Complex Community Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
15th22.6% deniedProcesswithdrawn + incomplete share, weight 15%
84th3.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 264 | 178 | 18.9% | 20.1% | — | $39M |
| 2024 | 235 | 168 | 23.0% | 23.2% | — | $31M |
| 2025 | 330 | 221 | 21.8% | 22.6% | — | $41M |
What Complex Community Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 1 investment properties.
Who gets approved at Complex Community Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 54 | 25 | 50.0% |
| $50k – $100k | 86 | 54 | 27.7% |
| $100k – $150k | 89 | 66 | 16.3% |
| $150k – $250k | 68 | 49 | 12.1% |
| Over $250k | 32 | 27 | 3.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 44 | 26 | 22.0% |
| 35–44 | 78 | 53 | 22.1% |
| 45–54 | 92 | 62 | 24.7% |
| 55–64 | 62 | 41 | 25.4% |
| 65–74 | 39 | 30 | 15.8% |
Where Complex Community Federal Credit Union lends
1 states and 29 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 330 | 221 | 21.8% | — | #325 |
Frequently asked questions
Complex Community Federal Credit Union denied 22.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 15th percentile of small mortgage lenders.
In 2025, 16% of its applications were for home purchases, 22% for refinancing (including cash-out), and 62% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.