Lender in Texas · HMDA 2025
Randolph-Brooks Federal Credit Union mortgages in Texas
Randolph-Brooks Federal Credit Union's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Randolph-Brooks Federal Credit Union originated 2,642 owner-occupied single-family loans in Texas from 3,977 completed applications.
Its median conventional purchase loan costs were $5,070 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 7.00% (Texas: 6.50%).
Loans in TX
2,642
of 3,977 applications
Denial rate
8.8%
Purchase · TX 10.2%
Rate spread
+0.15 pts
Conv. · TX +0.09 pts
Loan amount
$305,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,450 | 868 | 8.8% | 7.000% | +0.15 pts | $5,070 | $305,000 |
| Refinance | 279 | 167 | 21.9% | 6.875% | −0.30 pts | $2,750 | $195,000 |
| Cash-out refinance | 2,248 | 1,607 | 15.2% | 7.375% | +0.38 pts | $30 | $105,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Randolph-Brooks Federal Credit Union ranks in the top 25
Showing the 30 counties where it ranks highest, of 43.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Gonzales County | 1 | 20 | 17.5% |
| Wilson County | 2 | 68 | 8.7% |
| Dimmit County | 2 | 3 | 12.0% |
| Blanco County | 3 | 12 | 5.7% |
| Karnes County | 3 | 5 | 7.7% |
| Guadalupe County | 4 | 213 | 4.9% |
| Comal County | 4 | 185 | 4.8% |
| Kerr County | 4 | 29 | 5.8% |
| Bandera County | 4 | 10 | 4.1% |
| Bexar County | 5 | 1,005 | 3.8% |
| Caldwell County | 5 | 32 | 5.7% |
| Medina County | 6 | 32 | 3.1% |
| Atascosa County | 6 | 18 | 3.8% |
| Llano County | 6 | 8 | 3.3% |
| Lavaca County | 7 | 5 | 3.4% |
| Presidio County | 7 | 1 | 7.1% |
| Kendall County | 8 | 28 | 2.8% |
| Hays County | 9 | 119 | 2.2% |
| Aransas County | 9 | 9 | 2.5% |
| Gillespie County | 10 | 9 | 2.7% |
| Maverick County | 12 | 3 | 0.9% |
| Sabine County | 13 | 2 | 2.6% |
| Travis County | 14 | 177 | 1.2% |
| Fayette County | 14 | 3 | 1.7% |
| Baylor County | 14 | 1 | 3.6% |
| Crosby County | 14 | 1 | 3.2% |
| Mason County | 14 | 1 | 4.3% |
| Zapata County | 14 | 1 | 2.4% |
| Nueces County | 15 | 66 | 1.7% |
| Bastrop County | 15 | 20 | 1.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology