Resource One Credit Union

What their website says about applying

• Contact us at 800-375-3674, visit us in person, start an online application (for membership or a loan), or connect through our Video Banking service. source
• Questions? Call us anytime to speak with a specialist. source
• Use our easy online application process to get started right away. source
• Visit any of our locations to start the process of your new loan. source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.

• Membership required live or work in Dallas County, or have an immediate family member who’s already a member, you can join source
• ITIN accepted proud to accept the ITIN as a valid form of identification source
• Collateral required Use your account funds as collateral for a low-rate loan source
• Collateral flexible or not always required No appraisals or collateral needed source

Only rules the lender's own pages state. Other requirements may apply.

Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Most loan products on the fetched pages do not state loan amounts. Terms change — confirm with the lender before applying.

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

1. How do I become a member, and is there a fee or a minimum deposit?
   Credit unions lend only to their members.
2. What are the smallest and the largest loans you make?
   No loan amounts are stated on their website.
3. Is there a minimum credit score, and do you consider borrowers with little or no credit history?
   Their website does not say what credit history they accept.
4. Do you offer down-payment help, and is a homebuyer education course required?
   CDFI home loans often come with homebuyer education or down-payment help; their website does not say.
5. Do you offer free coaching or help preparing my application?
   CDFI certification requires development services, such as training or advice, alongside lending.
6. What documents will you need from me, and how long does a decision usually take?
   Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

On file with the NCUA as RESOURCE ONE (charter 68439). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.

An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).

Figures from the 5300 Call Report filed by Resource One Credit Union (NCUA charter 68439, filed as “RESOURCE ONE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.

Loan mix (balances on 30 Jun 2026)

Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).

The SBA's public loan data lists 8 SBA-backed approvals for Resource One Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):

• 7 7(a) loans as the lender: $961,500 in total (gross amount approved), median $135,000
• 1 504 projects as the third-party (first-lien) lender

By fiscal year: FY2020 2 · FY2021 0 · FY2022 3 · FY2023 3 · FY2024 0 · FY2025 0 · FY2026 0.

How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Resource One CU”); NCUA charter 68439, found through the RSSD ID in NCUA records (SBA lists “Resource One CU”).

Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Resource One Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

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