Randolph-Brooks Federal Credit Union Mortgage Lending & HMDA Data, 2021

In 2021, Randolph-Brooks Federal Credit Union of Universal City, TX reported 20,658 mortgage applications totaling $4.3 billion, down 16% from 2020. The average application was for $206,660, and applicants reported an average income of $132,678. 42% of its applications resulted in an originated loan and 13% were denied. Its largest markets were San Antonio-New Braunfels, TX (9,473), Austin-Round Rock, TX (4,697) and Dallas-Plano-Irving, TX (1,524) (applications in parentheses).

Mortgage Company & Address Randolph-Brooks Federal Credit Union
Po Box 2097
Universal City, TX 78148
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  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 20,658
Total Mortgage Loan Application Amount $4,269,190,000
Average Mortgage Loan Application Amount $206,660
Highest Mortgage Loan Application Amount $4,005,000
Average Applicant Income $132,678
Highest Applicant Income $9,715,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Randolph-Brooks Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Randolph-Brooks Federal Credit Union by County in 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Bexar, Texas 6,020 $ 920,320,000 $ 152,877 $ 114,000
Travis, Texas 2,143 $ 567,265,000 $ 264,706 $ 170,000
Comal, Texas 1,378 $ 299,760,000 $ 217,532 $ 136,000
Williamson, Texas 1,323 $ 252,495,000 $ 190,850 $ 145,000
Guadalupe, Texas 1,252 $ 181,910,000 $ 145,295 $ 104,000
Hays, Texas 938 $ 184,260,000 $ 196,439 $ 125,000
Collin, Texas 758 $ 174,860,000 $ 230,686 $ 177,000
Denton, Texas 389 $ 96,975,000 $ 249,293 $ 176,000
Wilson, Texas 364 $ 57,710,000 $ 158,543 $ 116,000
Nueces, Texas 337 $ 59,485,000 $ 176,513 $ 150,000
Tarrant, Texas 312 $ 68,110,000 $ 218,301 $ 173,000
Dallas, Texas 286 $ 83,800,000 $ 293,006 $ 191,000
Harris, Texas 280 $ 81,860,000 $ 292,357 $ 201,000
Kendall, Texas 223 $ 72,075,000 $ 323,206 $ 181,000
Caldwell, Texas 173 $ 21,455,000 $ 124,017 $ 90,000
Kerr, Texas 146 $ 26,060,000 $ 178,493 $ 98,000
Medina, Texas 123 $ 27,185,000 $ 221,016 $ 139,000
Bastrop, Texas 120 $ 22,200,000 $ 185,000 $ 110,000
Burnet, Texas 101 $ 35,145,000 $ 347,970 $ 160,000
Bell, Texas 88 $ 18,000,000 $ 204,545 $ 134,000
Montgomery, Texas 80 $ 19,010,000 $ 237,625 $ 197,000
Fort Bend, Texas 78 $ 26,930,000 $ 345,256 $ 236,000
Grayson, Texas 64 $ 15,550,000 $ 242,968 $ 145,000
Gonzales, Texas 62 $ 11,410,000 $ 184,032 $ 103,000
Hidalgo, Texas 62 $ 8,330,000 $ 134,354 $ 163,000
Blanco, Texas 60 $ 15,580,000 $ 259,666 $ 137,000
Atascosa, Texas 57 $ 9,745,000 $ 170,964 $ 100,000
Bandera, Texas 56 $ 15,040,000 $ 268,571 $ 130,000
San Patricio, Texas 51 $ 8,625,000 $ 169,117 $ 120,000
Webb, Texas 43 $ 6,105,000 $ 141,976 $ 120,000
Aransas, Texas 38 $ 10,540,000 $ 277,368 $ 143,000
Galveston, Texas 37 $ 8,215,000 $ 222,027 $ 172,000
Llano, Texas 35 $ 15,115,000 $ 431,857 $ 228,000
Cameron, Texas 34 $ 6,010,000 $ 176,764 $ 121,000
Gillespie, Texas 32 $ 10,140,000 $ 316,875 $ 230,000
Parker, Texas 31 $ 10,985,000 $ 354,354 $ 186,000
El Paso, Texas 28 $ 3,580,000 $ 127,857 $ 102,000
Karnes, Texas 28 $ 5,130,000 $ 183,214 $ 99,000
Brazos, Texas 27 $ 8,515,000 $ 315,370 $ 179,000
Ellis, Texas 26 $ 4,940,000 $ 190,000 $ 150,000
Rockwall, Texas 25 $ 9,345,000 $ 373,800 $ 178,000
McLennan, Texas 24 $ 4,580,000 $ 190,833 $ 125,000
Johnson, Texas 22 $ 4,690,000 $ 213,181 $ 123,000
Kaufman, Texas 22 $ 4,580,000 $ 208,181 $ 110,000
Brazoria, Texas 21 $ 7,125,000 $ 339,285 $ 146,000
Maverick, Texas 19 $ 1,945,000 $ 102,368 $ 63,000
Hunt, Texas 18 $ 3,480,000 $ 193,333 $ 86,000
Val Verde, Texas 17 $ 1,655,000 $ 97,352 $ 87,000
Lampasas, Texas 15 $ 2,045,000 $ 136,333 $ 107,000
Smith, Texas 14 $ 3,190,000 $ 227,857 $ 143,000
Lubbock, Texas 13 $ 2,405,000 $ 185,000 $ 113,000
DeWitt, Texas 12 $ 2,190,000 $ 182,500 $ 158,000
Lee, Texas 12 $ 3,650,000 $ 304,166 $ 145,000
Tom Green, Texas 12 $ 1,390,000 $ 115,833 $ 89,000
Lavaca, Texas 11 $ 2,345,000 $ 213,181 $ 121,000
Anderson, Texas 10 $ 2,130,000 $ 213,000 $ 128,000
Jim Wells, Texas 10 $ 2,460,000 $ 246,000 $ 121,000
Walker, Texas 10 $ 2,370,000 $ 237,000 $ 124,000
Angelina, Texas 9 $ 1,635,000 $ 181,666 $ 144,000
Calhoun, Texas 9 $ 1,355,000 $ 150,555 $ 91,000
Colorado, Texas 9 $ 2,675,000 $ 297,222 $ 173,000
Fannin, Texas 9 $ 1,935,000 $ 215,000 $ 116,000
Henderson, Texas 9 $ 4,815,000 $ 535,000 $ 213,000
Uvalde, Texas 9 $ 1,145,000 $ 127,222 $ 85,000
Victoria, Texas 9 $ 1,215,000 $ 135,000 $ 87,000
Wise, Texas 9 $ 1,965,000 $ 218,333 $ 152,000
Kleberg, Texas 8 $ 1,280,000 $ 160,000 $ 161,000
Nacogdoches, Texas 8 $ 930,000 $ 116,250 $ 92,000
Chambers, Texas 7 $ 1,415,000 $ 202,142 $ 105,000
Cooke, Texas 7 $ 2,605,000 $ 372,142 $ 126,000
Fayette, Texas 7 $ 805,000 $ 115,000 $ 95,000
Hood, Texas 7 $ 1,955,000 $ 279,285 $ 152,000
Live Oak, Texas 7 $ 655,000 $ 93,571 $ 126,000
Milam, Texas 7 $ 1,395,000 $ 199,285 $ 109,000
Navarro, Texas 7 $ 2,625,000 $ 375,000 $ 140,000
Dimmit, Texas 6 $ 860,000 $ 143,333 $ 85,000
Ector, Texas 6 $ 780,000 $ 130,000 $ 97,000
Grimes, Texas 6 $ 1,700,000 $ 283,333 $ 86,000
Jefferson, Texas 6 $ 1,240,000 $ 206,666 $ 164,000
Liberty, Texas 6 $ 980,000 $ 163,333 $ 85,000
Midland, Texas 6 $ 1,830,000 $ 305,000 $ 211,000
Taylor, Texas 6 $ 910,000 $ 151,666 $ 109,000
Washington, Texas 6 $ 1,270,000 $ 211,666 $ 121,000
Burleson, Texas 5 $ 985,000 $ 197,000 $ 65,000
Coryell, Texas 5 $ 745,000 $ 149,000 $ 51,000
Frio, Texas 5 $ 735,000 $ 147,000 $ 91,000
Matagorda, Texas 5 $ 805,000 $ 161,000 $ 162,000
Waller, Texas 5 $ 1,155,000 $ 231,000 $ 235,000
Wichita, Texas 5 $ 605,000 $ 121,000 $ 118,000
Bee, Texas 4 $ 1,790,000 $ 447,500 $ 126,000
Bosque, Texas 4 $ 920,000 $ 230,000 $ 164,000
Comanche, Texas 4 $ 570,000 $ 142,500 $ 88,000
Erath, Texas 4 $ 3,090,000 $ 772,500 $ 80,000
Hill, Texas 4 $ 1,360,000 $ 340,000 $ 188,000
Jackson, Texas 4 $ 440,000 $ 110,000 $ 90,000
Kimble, Texas 4 $ 840,000 $ 210,000 $ 72,000
Lamar, Texas 4 $ 830,000 $ 207,500 $ 147,000
Palo Pinto, Texas 4 $ 1,430,000 $ 357,500 $ 190,000
Wood, Texas 4 $ 500,000 $ 125,000 $ 81,000
Austin, Texas 3 $ 975,000 $ 325,000 $ 126,000
Bowie, Texas 3 $ 55,000 $ 18,333 $ 71,000
Franklin, Texas 3 $ 625,000 $ 208,333 $ 112,000
Hardin, Texas 3 $ 665,000 $ 221,666 $ 76,000
Harrison, Texas 3 $ 975,000 $ 325,000 $ 131,000
Leon, Texas 3 $ 1,065,000 $ 355,000 $ 157,000
Madison, Texas 3 $ 1,095,000 $ 365,000 $ 149,000
Randall, Texas 3 $ 335,000 $ 111,666 $ 126,000
Red River, Texas 3 $ 755,000 $ 251,666 $ 190,000
Refugio, Texas 3 $ 285,000 $ 95,000 $ 101,000
San Saba, Texas 3 $ 545,000 $ 181,666 $ 140,000
Wharton, Texas 3 $ 775,000 $ 258,333 $ 132,000
Los Angeles, California 2 $ 410,000 $ 205,000 $ 4,912,000
Bailey, Texas 2 $ 650,000 $ 325,000 $ 241,000
Brewster, Texas 2 $ 310,000 $ 155,000 $ 138,000
Brooks, Texas 2 $ 210,000 $ 105,000 $ 143,000
Brown, Texas 2 $ 320,000 $ 160,000 $ 114,000
Callahan, Texas 2 $ 450,000 $ 225,000 $ 122,000
Crane, Texas 2 $ 450,000 $ 225,000 $ 116,000
Duval, Texas 2 $ 200,000 $ 100,000 $ 89,000
Eastland, Texas 2 $ 410,000 $ 205,000 $ 145,000
Edwards, Texas 2 $ 790,000 $ 395,000 $ 287,000
Garza, Texas 2 $ 400,000 $ 200,000 $ 84,000
Hockley, Texas 2 $ 180,000 $ 90,000 $ 59,000
Houston, Texas 2 $ 810,000 $ 405,000 $ 151,000
Jasper, Texas 2 $ 450,000 $ 225,000 $ 27,000
Montague, Texas 2 $ 560,000 $ 280,000 $ 98,000
Potter, Texas 2 $ 550,000 $ 275,000 $ 142,000
Presidio, Texas 2 $ 530,000 $ 265,000 $ 264,000
Real, Texas 2 $ 670,000 $ 335,000 $ 105,000
Robertson, Texas 2 $ 650,000 $ 325,000 $ 312,000
San Jacinto, Texas 2 $ 290,000 $ 145,000 $ 140,000
Shelby, Texas 2 $ 680,000 $ 340,000 $ 105,000
Starr, Texas 2 $ 100,000 $ 50,000 $ 81,000
Tyler, Texas 2 $ 240,000 $ 120,000 $ 52,000
Benton, Arkansas 1 $ 145,000 $ 145,000 $ 61,000
Marion, Florida 1 $ 185,000 $ 185,000 $ 60,000
Jefferson, Kentucky 1 $ 545,000 $ 545,000 $ 229,000
Cherokee, North Carolina 1 $ 205,000 $ 205,000 $ 120,000
Hoke, North Carolina 1 $ 115,000 $ 115,000 $ 48,000
Horry, South Carolina 1 $ 15,000 $ 15,000 $ 108,000
Andrews, Texas 1 $ 255,000 $ 255,000 $ 119,000
Baylor, Texas 1 $ 5,000 $ 5,000 $ 27,000
Cass, Texas 1 $ 45,000 $ 45,000 $ 53,000
Cherokee, Texas 1 $ 55,000 $ 55,000 $ 180,000
Clay, Texas 1 $ 85,000 $ 85,000 $ 31,000
Culberson, Texas 1 $ 45,000 $ 45,000 $ 26,000
Falls, Texas 1 $ 205,000 $ 205,000 $ 408,000
Goliad, Texas 1 $ 455,000 $ 455,000 $ 377,000
Gregg, Texas 1 $ 105,000 $ 105,000 $ 180,000
Hopkins, Texas 1 $ 105,000 $ 105,000 $ 120,000
Howard, Texas 1 $ 335,000 $ 335,000 $ 166,000
Jones, Texas 1 $ 255,000 $ 255,000 $ 110,000
Kinney, Texas 1 $ 185,000 $ 185,000 $ 73,000
La Salle, Texas 1 $ 25,000 $ 25,000 $ 112,000
Lamb, Texas 1 $ 425,000 $ 425,000 $ 164,000
McCulloch, Texas 1 $ 95,000 $ 95,000 $ 113,000
Mitchell, Texas 1 $ 65,000 $ 65,000 $ 50,000
Morris, Texas 1 $ 805,000 $ 805,000 $ 287,000
Orange, Texas 1 $ 75,000 $ 75,000 $ 125,000
Pecos, Texas 1 $ 95,000 $ 95,000 $ 47,000
Polk, Texas 1 $ 365,000 $ 365,000 $ 76,000
Rains, Texas 1 $ 275,000 $ 275,000 $ 133,000
Reeves, Texas 1 $ 75,000 $ 75,000 $ 85,000
San Augustine, Texas 1 $ 25,000 $ 25,000 $ 62,000
Shackelford, Texas 1 $ 85,000 $ 85,000 $ 101,000
Somervell, Texas 1 $ 405,000 $ 405,000 $ 240,000
Stephens, Texas 1 $ 65,000 $ 65,000 $ 53,000
Sutton, Texas 1 $ 125,000 $ 125,000 $ 80,000
Titus, Texas 1 $ 95,000 $ 95,000 $ 75,000
Trinity, Texas 1 $ 115,000 $ 115,000 $ 51,000
Van Zandt, Texas 1 $ 965,000 $ 965,000 $ 230,000
Ward, Texas 1 $ 45,000 $ 45,000 $ 58,000
Young, Texas 1 $ 75,000 $ 75,000 $ 97,000
Zapata, Texas 1 $ 245,000 $ 245,000 $ 108,000

Mortgage Loan Application Detail Totals for Randolph-Brooks Federal Credit Union in 2021

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 6,034 $857,460,000 $142,000 $3,005,000 $126,000 $9,715,000
Home Purchase 6,032 $2,074,210,000 $343,000 $4,005,000 $144,000 $4,506,000
Refinancing 4,981 $1,036,135,000 $208,000 $4,005,000 $129,000 $7,284,000
Home Improvement 3,611 $301,385,000 $83,000 $1,505,000 $130,000 $3,288,000
Not Applicable 0 $0 $0 $0 $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 8,327 $1,809,735,000 $217,000 $4,005,000 $143,000 $9,715,000
Hispanic 6,283 $995,555,000 $158,000 $2,325,000 $104,000 $3,288,000
Not Provided 3,682 $835,410,000 $226,000 $2,505,000 $148,000 $3,120,000
Asian 950 $257,460,000 $271,000 $2,275,000 $170,000 $7,284,000
Black or African American 837 $164,095,000 $196,000 $1,485,000 $129,000 $3,744,000
Not applicable 398 $168,970,000 $424,000 $4,005,000 $0 $0
American Indian or Alaskan Native 135 $27,605,000 $204,000 $1,235,000 $129,000 $1,236,000
Native Hawaiian or Other Pacific Islander 24 $6,670,000 $277,000 $985,000 $139,000 $574,000

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) 20,658 $4,269,190,000 $206,000 $4,005,000 $132,000 $9,715,000
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 8,584 $1,575,960,000 $183,000 $2,325,000 $136,000 $3,167,000
Application Withdrawn By Applicant 2,706 $548,110,000 $202,000 $2,795,000 $161,000 $9,715,000
Application Denied By Financial Institution 2,585 $388,755,000 $150,000 $2,505,000 $94,000 $4,506,000
File Closed For Incompleteness 2,098 $424,770,000 $202,000 $4,005,000 $148,000 $7,284,000
Application Approved But Not Accepted 2,070 $548,370,000 $264,000 $4,005,000 $143,000 $1,972,000
Preapproval Approved but not Accepted 1,300 $397,810,000 $306,000 $2,105,000 $125,000 $898,000
Preapproval Denied by Financial Institution 1,010 $255,520,000 $252,000 $2,445,000 $75,000 $1,550,000
Loan Purchased By The Institution 305 $129,895,000 $425,000 $2,825,000 $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 17,063 $3,624,915,000 $212,000 $4,005,000 $142,000 $9,715,000
Debt-To-Income Ratio 1,666 $348,950,000 $209,000 $1,955,000 $60,000 $467,000
Credit History 1,211 $164,745,000 $136,000 $855,000 $94,000 $1,241,000
Collateral 482 $72,410,000 $150,000 $2,005,000 $148,000 $2,696,000
Unverifiable Information 135 $34,055,000 $252,000 $2,445,000 $156,000 $4,506,000
Employment History 50 $8,820,000 $176,000 $755,000 $87,000 $249,000
Insufficient Cash (Downpayment, Closing Cost) 31 $10,125,000 $326,000 $2,505,000 $106,000 $440,000
Other 19 $5,045,000 $265,000 $725,000 $124,000 $250,000
Credit Application Incomplete 1 $125,000 $125,000 $125,000 $205,000 $205,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Randolph-Brooks Federal Credit Union's 2021 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.
For a list of all lenders in Texas, download the full spreadsheet with aggregated HMDA statistics today.

Download the Texas Lender List