# COMMUNITY RESOURCE CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/community-resource-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


COMMUNITY RESOURCE CREDIT UNION is a credit union, headquartered in Baytown, TX, with 191 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 7% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300QWA589VRBWSZ92
- **Headquarters:** Baytown, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 93/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.138%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $569
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 191
- **Dollar Volume:** $33 million
- **Applications Received:** 337
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $172,487
- **Average Borrower Income:** $121,545
- **Average Property Value:** $314,162

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 191 | +0.138% | $569 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 49 loans, Score: 25/100 (Acceptable)
- Refinance: 142 loans, Score: 64/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 25/100 | 49 | $11M | +0.440% | Acceptable 🙂 |
| Refinance | 63/100 | 142 | $22M | +0.072% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 191 | 0.05% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 184 | 77/100 |

## Where This Lender Ranks

COMMUNITY RESOURCE CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Houston for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Houston Credit Unions
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/credit-unions)
- 🏆 **#19** in Houston
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does COMMUNITY RESOURCE CREDIT UNION offer?

COMMUNITY RESOURCE CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does COMMUNITY RESOURCE CREDIT UNION offer mortgages?

COMMUNITY RESOURCE CREDIT UNION offers mortgages in 1 states: TX.

### How competitive are COMMUNITY RESOURCE CREDIT UNION's mortgage rates?

COMMUNITY RESOURCE CREDIT UNION has a pricing score of 93/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.138% above market average.

### What type of lender is COMMUNITY RESOURCE CREDIT UNION?

COMMUNITY RESOURCE CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Baytown, TX.

### What is COMMUNITY RESOURCE CREDIT UNION's loan approval success rate?

COMMUNITY RESOURCE CREDIT UNION has a pull-through score of 49/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/community-resource-credit-union

### How to Cite

> "COMMUNITY RESOURCE CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/community-resource-credit-union

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