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HRC builds and operates white-labeled mortgage programs that help small to mid-sized credit unions offer competitive products, protect relationships, and create reliable revenue—without building a full department.
When a credit union can’t support a member through one of their biggest financial decisions, that relationship is at risk. Limited mortgage options don’t just reduce loan volume—they undermine trust and open the door for larger banks to pull members away.
HRC helps credit unions deliver full mortgage solutions under their own brand. By expanding your product offerings and handling the complexity behind the scenes, we help you stay central to your members’ financial lives—without building an internal mortgage department.
HRC isn’t a partial solution. We fully manage underwriting, closing, funding, servicing, secondary strategy, sales enablement, and marketing execution—while your credit union remains the face of the relationship.
Members work with your credit union. We handle the complexity. The result is a complete mortgage offering that strengthens trust, improves efficiency, and supports long-term growth without internal disruption.
We start by understanding your credit union’s goals, member base, and current mortgage capabilities to design a mortgage program that fits your strategy—not a one-size-fits-all solution.
HRC builds and launches a complete mortgage operation under your brand, including products, processes, technology, and workflows—without adding internal complexity.
We fully manage underwriting, closing, funding, servicing, sales enablement, and marketing execution while your members continue working directly with your credit union.
With consistent processes and expanded product offerings in place, your credit union gains reliable mortgage revenue and stronger long-term member relationships.
Credit unions are built on trust and community—but that trust erodes when members can’t get mortgage solutions where they already bank. Without a competitive mortgage offering, members are often forced to turn to larger banks for one of the most important financial decisions they will ever make, weakening long-term relationships and undermining your core value proposition.
Once a member leaves for a mortgage, they rarely come back for the next one. That single gap in service can quietly fracture loyalty, reduce lifetime value, and open the door for larger institutions to capture relationships you worked years to build.
HRC helps credit unions deliver full mortgage solutions under their own brand, keeping members engaged, supported, and loyal through every stage of homeownership—without requiring your team to build or manage a mortgage department internally.
In the heart of the community, nestled within the trusted walls of a local credit union, a remarkable foundation was born. Its mission was simple, yet profound: to support the dreams of those often overlooked by larger institutions who despite their hard work and service, faced significant hurdles when it came to buying a home. This foundation, driven by compassion and a desire for equity, is dedicated to helping low to moderate-income families striving to build a future, first responders who protect without hesitation, educators who help build our future and veterans who served with courage achieve the dream of homeownership.
To become a member 888-900-8409 Opt. 1
Already a member? 888-900-8409 Opt. 2
contactus@hrcuso.com
4210, 50th Street, Suite C
Lubbock, TX, 79413
NCUA CUSO Registry
#111-0007899
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