Community Resource Credit Union in Texas vs the state
31.0%Denial rate+11.56 pts vs state
44.2%Decision denial rate+19.27 pts vs state
38.8%Origination rate-16.10 pts vs state
6.50%Median rate0.00 pts vs state
0.11Rate spread (pts)-0.08 pts vs state
$113kMedian applicant income
204Loans originated
163Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 414 | 234 | 24.6% | 6.63% | #281 |
| 2024 | 534 | 282 | 30.2% | 6.56% | #245 |
| 2025 | 526 | 204 | 31.0% | 6.50% | #250 |
What Community Resource Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Community Resource Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 350 | 134 | 113 | 32.3% |
| Chambers County | 77 | 36 | 19 | 24.7% |
| Liberty County | 39 | 12 | 11 | 28.2% |
| Montgomery County | 17 | 5 | 3 | 17.6% |
| Galveston County | 7 | 2 | 2 | 28.6% |
| Jefferson County | 7 | 1 | 6 | 85.7% |
| Brazoria County | 7 | 3 | 1 | 14.3% |
| Fort Bend County | 5 | 3 | 2 | 40.0% |
| San Jacinto County | 3 | 0 | 3 | 100.0% |
| Smith County | 1 | 0 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 526 applications in 2025, of which 204 were originated and 163 denied.
31.0% of all applications, or 44.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Community Resource Credit Union originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Community Resource Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology