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 score and performance metrics.

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 an overall pricing score of 92.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Community Resource Credit Union?

Community Resource Credit Union is a Credit Union headquartered in Baytown, TX.

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Community Resource Credit Union

Credit Union•Baytown, TXHQ•Direct•Reviews near you on Google

Community Resource Credit Union has 191 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Single State · 1 mkts

Awards

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

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Report Card

Community Resource Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+13.8 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Exceptional	Acceptable	191	100.0%	+0.138%Above	$569Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Acceptable

Volume191

Mix100.0%

Spread

+0.138%Above

Fees

$569Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	—	Acceptable	49	25.7%	+0.440%Above	$1,225Fees
Refinance	Strong	Strong	Exceptional	Sound	142	74.3%	+0.072%Above	$426Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume49

Mix25.7%

Spread

+0.440%Above

Fees

$1,225Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume142

Mix74.3%

Spread

+0.072%Above

Fees

$426Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

191

Applications

337

Volume

$32 million

Pricing & Closing

Avg Rate Spread

+0.138%

vs. market APOR

Avg Net Fees

$569

Origination − Credits

Pullthrough Rate

56.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$172,487

Avg Borrower Income

$121,545

Avg Property Value

$314,162

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

South1

Top Metro Areas by Place Specialization Score

Houston, TXMetro

Volume 184Mix 96.34% of portfolio

77/100

Strong

Top States by Place Specialization Score

TexasState

Volume 191Mix 100.00% of portfolio

70/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.