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

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

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

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

191 loans · 0.14% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

49 loans · 0.44% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

142 loans · 0.07% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Strong

Top 40% of lenders

4/5

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

1Full-year 2024 · HMDA

Loans originated

All statesNone

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 the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.