Applications / Mortgage Analytics / Lenders / Texas / Community Resource Credit Union
Baytown, TX · Credit union · NCUA · $947 million assets · 204 loans in 2025
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204
loans originated, 2025
526
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Resource Credit Union, in Texas, is mostly a refinance lender, and half its loans are in majority-minority neighborhoods; it made 28% fewer loans in 2025 as similar credit unions grew 7%.
It made 204 loans, against 282 in 2024 and 352 in 2022. Similar lenders (credit unions making between half and twice as many loans) grew 7% and the whole market 10%; its change was lower than at nearly all of them. Its dollar volume fell to $33.9 million from $42.3 million. Refinances, 76.5% of its loans, can swing sharply from year to year, which may explain the fall.
Purchases made up 21.1% of its loans. Its typical loan was $120,000, against $105,000 at peers, and 99.5% of its loans were conventional.
Majority-minority neighborhoods took 50.0% of its loans, against 10.8% at similar lenders, more than at about eight in ten of them. Low- and moderate-income (LMI) neighborhoods took 20.1%, against 16.8%. Its largest market is Houston-Pasadena-The Woodlands, TX, where it ranked 217 of 929 lenders.
Only 0.5% of its loans were higher-priced (a rate well above the average for similar loans), against 2.0% at peers, down from 3.4% in 2024. Its typical rate, 6.50%, was lower than the peers' 6.75%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Resource Credit Union took 526 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 76.5% · Purchase 21.1% · Other 2.0% · Home improvement 0.5%
Conventional 99.5% · FHA 0.5% · of 204 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 204 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 195 |
| Austin-Round Rock-San Marcos | 1 |
| Beaumont-Port Arthur | 1 |
| College Station-Bryan | 1 |
| Longview | 1 |
| McAllen-Edinburg-Mission | 1 |
| San Antonio-New Braunfels | 1 |
| Waco | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QWA589VRBWSZ92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 505493 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568021 | 1994–2017 |
Established 1 January 1935. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Community Resource Credit Union's data.
Community Resource Credit Union's data
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Community Resource Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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