Community Resource 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%
2nd44.2% deniedPricingmedian rate spread over APOR, weight 30%
71st0.11 ptsProcesswithdrawn + incomplete share, weight 15%
5th29.9%Closing coststotal loan costs ÷ loan amount, weight 10%
89th0.79% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 414 | 234 | 24.6% | 30.3% | 6.63% | $38M |
| 2024 | 534 | 282 | 30.2% | 36.0% | 6.56% | $42M |
| 2025 | 526 | 204 | 31.0% | 44.2% | 6.50% | $34M |
What Community Resource 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, 1 manufactured homes, 19 investment properties.
Why Community Resource Credit Union denies applications
Primary reason reported for each of the 163 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Community Resource 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 | 41 | 11 | 71.8% |
| $50k – $100k | 170 | 58 | 47.8% |
| $100k – $150k | 153 | 59 | 42.7% |
| $150k – $250k | 122 | 57 | 35.2% |
| Over $250k | 37 | 19 | 13.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 21 | 6 | 53.9% |
| 25–34 | 100 | 24 | 57.9% |
| 35–44 | 139 | 50 | 49.5% |
| 45–54 | 129 | 59 | 35.9% |
| 55–64 | 77 | 32 | 41.1% |
| 65–74 | 44 | 24 | 33.3% |
Where Community Resource Credit Union lends
1 states and 23 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 526 | 204 | 31.0% | 6.50% | #250 |
Frequently asked questions
Community Resource Credit Union denied 44.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 2nd percentile of small mortgage lenders.
The most common reason Community Resource Credit Union gave in 2025 was "credit history", cited on 50.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Community Resource Credit Union originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.11 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 36% of its applications were for home purchases, 62% for refinancing (including cash-out), and 2% for home improvement or other purposes. By loan type: 97% conventional, 3% 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.