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Randolph-Brooks Federal Credit Union in Texas

HMDA record for properties in Texas, calendar year 2024. National record · Texas overview

LEI 549300LU6Y2TXG48QY48
Reporting agency National Credit Union Administration
State Texas

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

In Texas, Randolph-Brooks Federal Credit Union reported 13,440 applications and 6,955 originations for 2024, $1.1bn in all.

Its denial rate in the state was 16.4%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 16.4%.

The median rate spread on its Texas originations was 0.4 percentage points (state median 0.2).

Applications in the state were about level with 2023.

13,440applications in TX, 2024100.0% of the lender's total
6,955loans originated$1.1bn
16.4%denial rateTX all lenders 26.0%
0.4 ppmedian rate spreadTX 0.2 pp

Compared with the state and the lender's national record

MeasureIn TexasTexas, all lendersRandolph-Brooks Federal Credit Union, all statesUnited States
Denial rate16.4%26.0%16.4%24.3%
Median rate spread, pp0.40.20.40.3
Originations with spread of 1.5 pp or more14.3%11.8%14.3%15.6%
Average originated loan$152k$350k$152k$329k
Home purchase share15.8%72.8%15.8%57.0%
FHA-insured share0.0%19.8%0.0%13.4%
VA-guaranteed share0.0%10.4%0.0%7.9%

Trend by year

ApplicationsOriginations

08125.516,2512022: 16,251 Applications2023: 12,912 Applications2024: 13,440 Applications2022: 8,173 Originations2023: 6,593 Originations2024: 6,955 Originations202220232024
Randolph-Brooks Federal Credit Union in Texas: applications and originations, 2022–2024

This lender in stateTexas, all lenders

0%13.9%27.9%2022: 19.7% This lender in state2023: 18.6% This lender in state2024: 16.4% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Texas

By purpose

Home purchase 16% (1,099)Home improvement 2% (116)Refinancing 2% (109)Cash-out refinancing 81% (5,631)

By type

Conventional 100% (6,955)

Denial reasons as coded

Debt-to-income ratio50.9%
Credit history24.5%
Collateral22.1%
Employment history1.1%
Other0.6%
Unverifiable information0.5%
Insufficient cash (downpayment, closing costs)0.2%
Credit application incomplete0.1%
Mortgage insurance denied0%

Share of 1,637 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).

Counties in Texas

CountyApplicationsOriginationsAmountDenial rate
Bexar County4,5472,273$264m18.3%
Travis County1,155614$122m15.0%
Comal County940555$87m12.4%
Guadalupe County936526$60m16.0%
Williamson County736369$59m13.9%
Hays County630331$42m17.4%
Collin County643330$61m15.0%
Denton County425228$49m13.0%
Tarrant County259148$23m11.4%
Wilson County268139$22m15.8%
Nueces County261132$18m21.7%
Dallas County249127$37m11.7%
Harris County225111$19m13.5%
Kendall County12780$16m6.0%
Caldwell County16372$9.3m23.9%
Kerr County10859$13m15.7%
Bastrop County10954$7.4m20.7%
Medina County10754$8.6m19.0%
Bell County10654$8.4m17.3%
Grayson County5336$7.3m11.1%
San Patricio County5730$3.2m19.5%
Fort Bend County6029$4.7m24.4%
Atascosa County7428$3.6m26.0%
Montgomery County6627$8.2m16.0%
Hidalgo County5225$3.2m11.4%
Bandera County3823$4.6m14.3%
Aransas County3922$5.4m6.7%
Burnet County6020$7.1m17.1%
Ellis County4120$4.5m25.0%
Gonzales County4719$2.8m30.3%
Cameron County4119$3.3m9.7%
Blanco County3719$5.0m12.0%
Galveston County2718$3.0m—
Rockwall County3816$2.6m21.4%
Gillespie County2515$3.7m—
Webb County3613$3.1m43.3%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Randolph-Brooks Federal Credit Union originate in Texas in 2024?

6,955 loans totalling $1.1bn, from 13,440 applications reported for properties in Texas.

What is Randolph-Brooks Federal Credit Union's denial rate in Texas?

16.4% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 16.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Texas counties does Randolph-Brooks Federal Credit Union lend in most?

By originations: Bexar County (2,273), Travis County (614), Comal County (555), Guadalupe County (526), Williamson County (369).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.