Randolph-Brooks Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Randolph-Brooks Federal Credit Union 2018 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Randolph-Brooks Federal Credit Union Po Box 2097 Live Oak, TX 78148 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 13,267 |
| Total Mortgage Loan Application Amount | $1,741,405,000 |
| Average Mortgage Loan Application Amount | $144,600 |
| Highest Mortgage Loan Application Amount | $3,075,000 |
| Average Applicant Income | $87,800 |
| Highest Applicant Income | $3,221,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Randolph-Brooks Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Randolph-Brooks Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Randolph-Brooks Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Randolph-Brooks Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Randolph-Brooks Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Randolph-Brooks Federal Credit Union's mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bexar County Texas | 4,402 | $ 455,200,000 | $ 103,000 | $ 100,000 |
| Travis County Texas | 1,336 | $ 202,230,000 | $ 151,000 | $ 127,000 |
| Comal County Texas | 971 | $ 145,895,000 | $ 150,000 | $ 120,000 |
| Guadalupe County Texas | 968 | $ 96,840,000 | $ 100,000 | $ 95,000 |
| Williamson County Texas | 756 | $ 95,200,000 | $ 125,000 | $ 121,000 |
| Hays County Texas | 607 | $ 72,755,000 | $ 119,000 | $ 110,000 |
| Collin County Texas | 422 | $ 63,970,000 | $ 151,000 | $ 140,000 |
| Wilson County Texas | 292 | $ 36,130,000 | $ 123,000 | $ 100,000 |
| Denton County Texas | 213 | $ 26,825,000 | $ 125,000 | $ 144,000 |
| Dallas County Texas | 184 | $ 27,930,000 | $ 151,000 | $ 140,000 |
| Caldwell County Texas | 145 | $ 12,375,000 | $ 85,000 | $ 80,000 |
| Harris County Texas | 138 | $ 23,400,000 | $ 169,000 | $ 146,000 |
| Kendall County Texas | 133 | $ 28,585,000 | $ 214,000 | $ 147,000 |
| Tarrant County Texas | 120 | $ 21,380,000 | $ 178,000 | $ 151,000 |
| Kerr County Texas | 89 | $ 9,715,000 | $ 109,000 | $ 85,000 |
| Bastrop County Texas | 80 | $ 11,140,000 | $ 139,000 | $ 93,000 |
| Medina County Texas | 69 | $ 9,545,000 | $ 138,000 | $ 100,000 |
| Nueces County Texas | 69 | $ 9,425,000 | $ 136,000 | $ 140,000 |
| Gonzales County Texas | 55 | $ 3,785,000 | $ 68,000 | $ 76,000 |
| Bandera County Texas | 49 | $ 7,735,000 | $ 157,000 | $ 91,000 |
| Atascosa County Texas | 46 | $ 5,580,000 | $ 121,000 | $ 90,000 |
| Burnet County Texas | 40 | $ 7,350,000 | $ 183,000 | $ 121,000 |
| Bell County Texas | 37 | $ 4,345,000 | $ 117,000 | $ 108,000 |
| Montgomery County Texas | 37 | $ 6,065,000 | $ 163,000 | $ 126,000 |
| Fort Bend County Texas | 35 | $ 5,765,000 | $ 164,000 | $ 166,000 |
| Cameron County Texas | 33 | $ 2,815,000 | $ 85,000 | $ 98,000 |
| Blanco County Texas | 32 | $ 3,940,000 | $ 123,000 | $ 101,000 |
| Hidalgo County Texas | 31 | $ 4,965,000 | $ 160,000 | $ 105,000 |
| Gillespie County Texas | 27 | $ 5,865,000 | $ 217,000 | $ 137,000 |
| Webb County Texas | 27 | $ 2,405,000 | $ 89,000 | $ 109,000 |
| Llano County Texas | 22 | $ 5,110,000 | $ 232,000 | $ 140,000 |
| Aransas County Texas | 19 | $ 3,345,000 | $ 176,000 | $ 155,000 |
| Brazos County Texas | 19 | $ 3,565,000 | $ 187,000 | $ 186,000 |
| Rockwall County Texas | 18 | $ 3,070,000 | $ 170,000 | $ 151,000 |
| McLennan County Texas | 17 | $ 1,885,000 | $ 110,000 | $ 122,000 |
| Galveston County Texas | 16 | $ 1,470,000 | $ 91,000 | $ 98,000 |
| Karnes County Texas | 16 | $ 1,980,000 | $ 123,000 | $ 113,000 |
| Grayson County Texas | 14 | $ 2,020,000 | $ 144,000 | $ 108,000 |
| Lubbock County Texas | 14 | $ 1,520,000 | $ 108,000 | $ 111,000 |
| Maverick County Texas | 14 | $ 1,300,000 | $ 92,000 | $ 107,000 |
| Ellis County Texas | 13 | $ 3,245,000 | $ 249,000 | $ 128,000 |
| Kaufman County Texas | 13 | $ 1,685,000 | $ 129,000 | $ 204,000 |
| Lavaca County Texas | 13 | $ 1,605,000 | $ 123,000 | $ 80,000 |
| Victoria County Texas | 13 | $ 1,845,000 | $ 141,000 | $ 108,000 |
| Brazoria County Texas | 12 | $ 1,900,000 | $ 158,000 | $ 144,000 |
| El Paso County Texas | 12 | $ 1,870,000 | $ 155,000 | $ 157,000 |
| Parker County Texas | 11 | $ 1,835,000 | $ 166,000 | $ 137,000 |
| Coryell County Texas | 10 | $ 640,000 | $ 64,000 | $ 130,000 |
| Henderson County Texas | 10 | $ 720,000 | $ 72,000 | $ 103,000 |
| Midland County Texas | 10 | $ 1,980,000 | $ 198,000 | $ 157,000 |
| Calhoun County Texas | 9 | $ 785,000 | $ 87,000 | $ 122,000 |
| Hood County Texas | 9 | $ 1,375,000 | $ 152,000 | $ 97,000 |
| Uvalde County Texas | 9 | $ 1,045,000 | $ 116,000 | $ 94,000 |
| San Patricio County Texas | 8 | $ 620,000 | $ 77,000 | $ 77,000 |
| Hunt County Texas | 7 | $ 625,000 | $ 89,000 | $ 98,000 |
| Milam County Texas | 7 | $ 1,145,000 | $ 163,000 | $ 88,000 |
| Taylor County Texas | 7 | $ 605,000 | $ 86,000 | $ 81,000 |
| Austin County Texas | 6 | $ 940,000 | $ 156,000 | $ 105,000 |
| Fayette County Texas | 6 | $ 1,130,000 | $ 188,000 | $ 139,000 |
| Johnson County Texas | 6 | $ 2,270,000 | $ 378,000 | $ 145,000 |
| Smith County Texas | 6 | $ 970,000 | $ 161,000 | $ 162,000 |
| Tom Green County Texas | 6 | $ 540,000 | $ 90,000 | $ 81,000 |
| Val Verde County Texas | 6 | $ 750,000 | $ 125,000 | $ 92,000 |
| Wise County Texas | 6 | $ 730,000 | $ 121,000 | $ 145,000 |
| Jefferson County Texas | 5 | $ 585,000 | $ 117,000 | $ 91,000 |
| Jim Wells County Texas | 5 | $ 825,000 | $ 165,000 | $ 93,000 |
| Live Oak County Texas | 5 | $ 675,000 | $ 135,000 | $ 113,000 |
| Matagorda County Texas | 5 | $ 465,000 | $ 93,000 | $ 101,000 |
| Navarro County Texas | 5 | $ 365,000 | $ 73,000 | $ 36,000 |
| Erath County Texas | 4 | $ 500,000 | $ 125,000 | $ 116,000 |
| Harrison County Texas | 4 | $ 440,000 | $ 110,000 | $ 132,000 |
| Washington County Texas | 4 | $ 830,000 | $ 207,000 | $ 98,000 |
| Brewster County Texas | 3 | $ 305,000 | $ 101,000 | $ 70,000 |
| Dimmit County Texas | 3 | $ 245,000 | $ 81,000 | $ 312,000 |
| Eastland County Texas | 3 | $ 395,000 | $ 131,000 | $ 81,000 |
| Frio County Texas | 3 | $ 465,000 | $ 155,000 | $ 140,000 |
| Hill County Texas | 3 | $ 285,000 | $ 95,000 | $ 68,000 |
| Kimble County Texas | 3 | $ 155,000 | $ 51,000 | $ 43,000 |
| Lampasas County Texas | 3 | $ 165,000 | $ 55,000 | $ 41,000 |
| Polk County Texas | 3 | $ 165,000 | $ 55,000 | $ 68,000 |
| Walker County Texas | 3 | $ 815,000 | $ 271,000 | $ 117,000 |
| Wichita County Texas | 3 | $ 75,000 | $ 25,000 | $ 101,000 |
| Wood County Texas | 3 | $ 945,000 | $ 315,000 | $ 93,000 |
| Bee County Texas | 2 | $ 70,000 | $ 35,000 | $ 85,000 |
| Brown County Texas | 2 | $ 140,000 | $ 70,000 | $ 27,000 |
| DeWitt County Texas | 2 | $ 510,000 | $ 255,000 | $ 86,000 |
| Ector County Texas | 2 | $ 240,000 | $ 120,000 | $ 194,000 |
| Fannin County Texas | 2 | $ 240,000 | $ 120,000 | $ 193,000 |
| Goliad County Texas | 2 | $ 170,000 | $ 85,000 | $ 134,000 |
| Grimes County Texas | 2 | $ 440,000 | $ 220,000 | $ 98,000 |
| Hamilton County Texas | 2 | $ 350,000 | $ 175,000 | $ 83,000 |
| Montague County Texas | 2 | $ 460,000 | $ 230,000 | $ 111,000 |
| Orange County Texas | 2 | $ 50,000 | $ 25,000 | $ 36,000 |
| San Saba County Texas | 2 | $ 100,000 | $ 50,000 | $ 80,000 |
| Upshur County Texas | 2 | $ 140,000 | $ 70,000 | $ 45,000 |
| Santa Clara County California | 1 | $ 95,000 | $ 95,000 | $ 220,000 |
| Putnam County Indiana | 1 | $ 15,000 | $ 15,000 | $ 96,000 |
| Lincoln County New Mexico | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| Archer County Texas | 1 | $ 75,000 | $ 75,000 | $ 87,000 |
| Bosque County Texas | 1 | $ 15,000 | $ 15,000 | $ 98,000 |
| Colorado County Texas | 1 | $ 45,000 | $ 45,000 | $ 132,000 |
| Concho County Texas | 1 | $ 45,000 | $ 45,000 | $ 52,000 |
| Delta County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Duval County Texas | 1 | $ 25,000 | $ 25,000 | $ 83,000 |
| Freestone County Texas | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| Gregg County Texas | 1 | $ 55,000 | $ 55,000 | $ 75,000 |
| Hale County Texas | 1 | $ 115,000 | $ 115,000 | $ 70,000 |
| Hardin County Texas | 1 | $ 85,000 | $ 85,000 | $ 143,000 |
| Hopkins County Texas | 1 | $ 225,000 | $ 225,000 | $ 122,000 |
| Jackson County Texas | 1 | $ 35,000 | $ 35,000 | $ 132,000 |
| Jeff Davis County Texas | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Kinney County Texas | 1 | $ 5,000 | $ 5,000 | $ 51,000 |
| Lamar County Texas | 1 | $ 345,000 | $ 345,000 | $ 199,000 |
| Lamb County Texas | 1 | $ 55,000 | $ 55,000 | $ 101,000 |
| Lee County Texas | 1 | $ 335,000 | $ 335,000 | $ 51,000 |
| Liberty County Texas | 1 | $ 65,000 | $ 65,000 | $ 159,000 |
| Limestone County Texas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Madison County Texas | 1 | $ 85,000 | $ 85,000 | $ 90,000 |
| Marion County Texas | 1 | $ 45,000 | $ 45,000 | $ 13,000 |
| Mason County Texas | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| McCulloch County Texas | 1 | $ 25,000 | $ 25,000 | $ 148,000 |
| Mills County Texas | 1 | $ 75,000 | $ 75,000 | $ 2,124,000 |
| Nacogdoches County Texas | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
| Newton County Texas | 1 | $ 85,000 | $ 85,000 | $ 125,000 |
| Presidio County Texas | 1 | $ 245,000 | $ 245,000 | $ 1,298,000 |
| Reagan County Texas | 1 | $ 15,000 | $ 15,000 | $ 65,000 |
| Real County Texas | 1 | $ 135,000 | $ 135,000 | $ 145,000 |
| Refugio County Texas | 1 | $ 45,000 | $ 45,000 | $ 116,000 |
| Runnels County Texas | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| Rusk County Texas | 1 | $ 195,000 | $ 195,000 | $ 152,000 |
| San Jacinto County Texas | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Schleicher County Texas | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Scurry County Texas | 1 | $ 155,000 | $ 155,000 | $ 86,000 |
| Somervell County Texas | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Starr County Texas | 1 | $ 105,000 | $ 105,000 | $ 138,000 |
| Stephens County Texas | 1 | $ 25,000 | $ 25,000 | $ 24,000 |
| Terrell County Texas | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Titus County Texas | 1 | $ 185,000 | $ 185,000 | $ 184,000 |
| Van Zandt County Texas | 1 | $ 175,000 | $ 175,000 | $ 119,000 |
| Waller County Texas | 1 | $ 275,000 | $ 275,000 | $ 144,000 |
| Wharton County Texas | 1 | $ 25,000 | $ 25,000 | $ 69,000 |
| Willacy County Texas | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Young County Texas | 1 | $ 395,000 | $ 395,000 | $ 214,000 |
| Zavala County Texas | 1 | $ 155,000 | $ 155,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for Randolph-Brooks Federal Credit Union in 2018
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 6,343 | $513,565,000 | $80,000 | $1,815,000 | $101,000 | $3,221,000 |
| Home Purchase | 4,033 | $931,515,000 | $230,000 | $3,075,000 | $119,000 | $1,619,000 |
| Home Improvement | 1,527 | $95,165,000 | $62,000 | $765,000 | $122,000 | $2,124,000 |
| Refinancing | 1,331 | $194,395,000 | $146,000 | $935,000 | $97,000 | $775,000 |
| Not Applicable | 33 | $6,765,000 | $205,000 | $565,000 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 5,944 | $830,910,000 | $139,000 | $2,135,000 | $119,000 | $2,124,000 |
| Hispanic | 3,858 | $396,460,000 | $102,000 | $955,000 | $86,000 | $3,221,000 |
| Not Provided | 2,032 | $286,400,000 | $140,000 | $1,815,000 | $117,000 | $1,582,000 |
| Black or African American | 553 | $65,305,000 | $118,000 | $755,000 | $96,000 | $387,000 |
| Asian | 479 | $87,965,000 | $183,000 | $1,305,000 | $129,000 | $1,092,000 |
| Not applicable | 123 | $31,575,000 | $256,000 | $3,075,000 | $0 | $0 |
| American Indian or Alaskan Native | 85 | $9,945,000 | $117,000 | $565,000 | $95,000 | $765,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $1,900,000 | $105,000 | $355,000 | $88,000 | $172,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 13,267 | $1,741,405,000 | $131,000 | $3,075,000 | $109,000 | $3,221,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 5,878 | $688,080,000 | $117,000 | $1,955,000 | $120,000 | $1,852,000 |
| Application Denied By Financial Institution | 2,585 | $263,035,000 | $101,000 | $3,075,000 | $77,000 | $1,596,000 |
| Application Withdrawn By Applicant | 1,479 | $214,655,000 | $145,000 | $1,565,000 | $124,000 | $3,221,000 |
| File Closed For Incompleteness | 1,261 | $173,075,000 | $137,000 | $1,005,000 | $123,000 | $1,500,000 |
| Preapproval Denied by Financial Institution | 806 | $148,200,000 | $183,000 | $965,000 | $64,000 | $912,000 |
| Application Approved But Not Accepted | 744 | $138,350,000 | $185,000 | $1,445,000 | $127,000 | $1,430,000 |
| Preapproval Approved but not Accepted | 481 | $109,245,000 | $227,000 | $765,000 | $111,000 | $495,000 |
| Loan Purchased By The Institution | 33 | $6,765,000 | $205,000 | $565,000 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 9,876 | $1,330,170,000 | $134,000 | $1,955,000 | $121,000 | $3,221,000 |
| Debt-To-Income Ratio | 1,666 | $234,380,000 | $140,000 | $1,505,000 | $54,000 | $764,000 |
| Credit History | 1,177 | $108,415,000 | $92,000 | $705,000 | $85,000 | $1,596,000 |
| Collateral | 370 | $40,490,000 | $109,000 | $2,135,000 | $127,000 | $1,582,000 |
| Unverifiable Information | 81 | $10,865,000 | $134,000 | $635,000 | $65,000 | $216,000 |
| Employment History | 57 | $6,425,000 | $112,000 | $475,000 | $65,000 | $208,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 27 | $7,315,000 | $270,000 | $3,075,000 | $75,000 | $165,000 |
| Other | 13 | $3,345,000 | $257,000 | $565,000 | $126,000 | $219,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Randolph-Brooks Federal Credit Union's 2018 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Randolph-Brooks Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.