Randolph-Brooks Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Randolph-Brooks Federal Credit Union 2022 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 | 18,932 |
| Total Mortgage Loan Application Amount | $4,119,140,000 |
| Average Mortgage Loan Application Amount | $205,750 |
| Highest Mortgage Loan Application Amount | $12,505,000 |
| Average Applicant Income | $137,750 |
| Highest Applicant Income | $5,410,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 5,015 | $ 784,565,000 | $ 156,000 | $ 124,000 |
| Travis County Texas | 1,905 | $ 512,515,000 | $ 269,000 | $ 181,000 |
| Williamson County Texas | 1,301 | $ 282,845,000 | $ 217,000 | $ 155,000 |
| Comal County Texas | 1,249 | $ 275,855,000 | $ 220,000 | $ 139,000 |
| Guadalupe County Texas | 1,063 | $ 149,295,000 | $ 140,000 | $ 110,000 |
| Hays County Texas | 887 | $ 170,505,000 | $ 192,000 | $ 144,000 |
| Collin County Texas | 842 | $ 175,810,000 | $ 208,000 | $ 186,000 |
| Denton County Texas | 478 | $ 107,600,000 | $ 225,000 | $ 180,000 |
| Tarrant County Texas | 347 | $ 87,375,000 | $ 251,000 | $ 193,000 |
| Dallas County Texas | 296 | $ 79,950,000 | $ 270,000 | $ 172,000 |
| Wilson County Texas | 284 | $ 55,570,000 | $ 195,000 | $ 130,000 |
| Harris County Texas | 273 | $ 59,185,000 | $ 216,000 | $ 175,000 |
| Nueces County Texas | 248 | $ 45,930,000 | $ 185,000 | $ 148,000 |
| Kendall County Texas | 158 | $ 61,260,000 | $ 387,000 | $ 183,000 |
| Caldwell County Texas | 151 | $ 22,855,000 | $ 151,000 | $ 93,000 |
| Bell County Texas | 128 | $ 21,780,000 | $ 170,000 | $ 119,000 |
| Bastrop County Texas | 116 | $ 23,030,000 | $ 198,000 | $ 120,000 |
| Medina County Texas | 111 | $ 27,575,000 | $ 248,000 | $ 131,000 |
| Kerr County Texas | 100 | $ 23,840,000 | $ 238,000 | $ 107,000 |
| Fort Bend County Texas | 83 | $ 24,615,000 | $ 296,000 | $ 199,000 |
| Montgomery County Texas | 82 | $ 36,420,000 | $ 444,000 | $ 176,000 |
| Atascosa County Texas | 75 | $ 13,765,000 | $ 183,000 | $ 99,000 |
| Burnet County Texas | 73 | $ 26,295,000 | $ 360,000 | $ 170,000 |
| Grayson County Texas | 67 | $ 17,625,000 | $ 263,000 | $ 137,000 |
| Bandera County Texas | 62 | $ 16,160,000 | $ 260,000 | $ 121,000 |
| Hidalgo County Texas | 54 | $ 9,970,000 | $ 184,000 | $ 181,000 |
| Gonzales County Texas | 51 | $ 7,005,000 | $ 137,000 | $ 91,000 |
| San Patricio County Texas | 48 | $ 7,240,000 | $ 150,000 | $ 126,000 |
| Aransas County Texas | 47 | $ 13,465,000 | $ 286,000 | $ 189,000 |
| Blanco County Texas | 47 | $ 15,065,000 | $ 320,000 | $ 140,000 |
| Ellis County Texas | 47 | $ 11,435,000 | $ 243,000 | $ 144,000 |
| Webb County Texas | 47 | $ 5,665,000 | $ 120,000 | $ 106,000 |
| Galveston County Texas | 35 | $ 8,145,000 | $ 232,000 | $ 193,000 |
| Brazos County Texas | 34 | $ 6,190,000 | $ 182,000 | $ 204,000 |
| Cameron County Texas | 33 | $ 5,165,000 | $ 156,000 | $ 116,000 |
| Gillespie County Texas | 32 | $ 10,730,000 | $ 335,000 | $ 152,000 |
| El Paso County Texas | 29 | $ 3,025,000 | $ 104,000 | $ 93,000 |
| Rockwall County Texas | 29 | $ 9,505,000 | $ 327,000 | $ 173,000 |
| McLennan County Texas | 28 | $ 7,990,000 | $ 285,000 | $ 193,000 |
| Parker County Texas | 25 | $ 5,975,000 | $ 239,000 | $ 161,000 |
| Kaufman County Texas | 21 | $ 4,385,000 | $ 208,000 | $ 120,000 |
| Lubbock County Texas | 21 | $ 5,645,000 | $ 268,000 | $ 227,000 |
| Llano County Texas | 20 | $ 11,280,000 | $ 564,000 | $ 385,000 |
| Coryell County Texas | 19 | $ 4,545,000 | $ 239,000 | $ 108,000 |
| Brazoria County Texas | 17 | $ 4,775,000 | $ 280,000 | $ 139,000 |
| Johnson County Texas | 17 | $ 4,045,000 | $ 237,000 | $ 200,000 |
| Smith County Texas | 17 | $ 3,285,000 | $ 193,000 | $ 171,000 |
| Wise County Texas | 17 | $ 6,025,000 | $ 354,000 | $ 114,000 |
| Karnes County Texas | 15 | $ 2,145,000 | $ 143,000 | $ 96,000 |
| Hood County Texas | 14 | $ 2,980,000 | $ 212,000 | $ 177,000 |
| Lampasas County Texas | 14 | $ 2,830,000 | $ 202,000 | $ 111,000 |
| Milam County Texas | 14 | $ 3,720,000 | $ 265,000 | $ 112,000 |
| Val Verde County Texas | 14 | $ 1,510,000 | $ 107,000 | $ 117,000 |
| Henderson County Texas | 12 | $ 4,520,000 | $ 376,000 | $ 219,000 |
| Hunt County Texas | 11 | $ 2,485,000 | $ 225,000 | $ 95,000 |
| Kleberg County Texas | 10 | $ 1,320,000 | $ 132,000 | $ 83,000 |
| Maverick County Texas | 10 | $ 1,230,000 | $ 123,000 | $ 106,000 |
| Victoria County Texas | 10 | $ 1,140,000 | $ 114,000 | $ 93,000 |
| DeWitt County Texas | 9 | $ 2,135,000 | $ 237,000 | $ 216,000 |
| Fannin County Texas | 9 | $ 1,495,000 | $ 166,000 | $ 101,000 |
| Hill County Texas | 9 | $ 4,155,000 | $ 461,000 | $ 166,000 |
| Lavaca County Texas | 9 | $ 2,435,000 | $ 270,000 | $ 123,000 |
| Navarro County Texas | 9 | $ 1,445,000 | $ 160,000 | $ 68,000 |
| Frio County Texas | 8 | $ 1,150,000 | $ 143,000 | $ 74,000 |
| Taylor County Texas | 8 | $ 2,420,000 | $ 302,000 | $ 120,000 |
| Erath County Texas | 7 | $ 1,455,000 | $ 207,000 | $ 128,000 |
| Fayette County Texas | 7 | $ 1,165,000 | $ 166,000 | $ 128,000 |
| Lee County Texas | 7 | $ 805,000 | $ 115,000 | $ 124,000 |
| Midland County Texas | 7 | $ 1,385,000 | $ 197,000 | $ 136,000 |
| Palo Pinto County Texas | 7 | $ 2,415,000 | $ 345,000 | $ 159,000 |
| Polk County Texas | 7 | $ 1,335,000 | $ 190,000 | $ 172,000 |
| Tom Green County Texas | 7 | $ 1,285,000 | $ 183,000 | $ 116,000 |
| Calhoun County Texas | 6 | $ 1,210,000 | $ 201,000 | $ 125,000 |
| Grimes County Texas | 6 | $ 1,980,000 | $ 330,000 | $ 129,000 |
| Jefferson County Texas | 6 | $ 1,260,000 | $ 210,000 | $ 165,000 |
| Randall County Texas | 6 | $ 770,000 | $ 128,000 | $ 130,000 |
| Walker County Texas | 6 | $ 1,780,000 | $ 296,000 | $ 190,000 |
| Bee County Texas | 5 | $ 995,000 | $ 199,000 | $ 103,000 |
| Cherokee County Texas | 5 | $ 1,445,000 | $ 289,000 | $ 110,000 |
| Hopkins County Texas | 5 | $ 1,765,000 | $ 353,000 | $ 134,000 |
| Uvalde County Texas | 5 | $ 445,000 | $ 89,000 | $ 160,000 |
| Van Zandt County Texas | 5 | $ 765,000 | $ 153,000 | $ 184,000 |
| Waller County Texas | 5 | $ 1,295,000 | $ 259,000 | $ 156,000 |
| Wood County Texas | 5 | $ 945,000 | $ 189,000 | $ 69,000 |
| Angelina County Texas | 4 | $ 790,000 | $ 197,000 | $ 93,000 |
| Brown County Texas | 4 | $ 1,270,000 | $ 317,000 | $ 235,000 |
| Burleson County Texas | 4 | $ 1,210,000 | $ 302,000 | $ 159,000 |
| Ector County Texas | 4 | $ 600,000 | $ 150,000 | $ 450,000 |
| Freestone County Texas | 4 | $ 640,000 | $ 160,000 | $ 98,000 |
| Jim Wells County Texas | 4 | $ 1,180,000 | $ 295,000 | $ 112,000 |
| Leon County Texas | 4 | $ 1,290,000 | $ 322,000 | $ 114,000 |
| Lynn County Texas | 4 | $ 1,690,000 | $ 422,000 | $ 311,000 |
| San Saba County Texas | 4 | $ 540,000 | $ 135,000 | $ 127,000 |
| Washington County Texas | 4 | $ 1,030,000 | $ 257,000 | $ 309,000 |
| Wichita County Texas | 4 | $ 320,000 | $ 80,000 | $ 126,000 |
| Anderson County Texas | 3 | $ 345,000 | $ 115,000 | $ 48,000 |
| Andrews County Texas | 3 | $ 365,000 | $ 121,000 | $ 134,000 |
| Bosque County Texas | 3 | $ 155,000 | $ 51,000 | $ 90,000 |
| Chambers County Texas | 3 | $ 615,000 | $ 205,000 | $ 156,000 |
| Colorado County Texas | 3 | $ 1,065,000 | $ 355,000 | $ 146,000 |
| Cooke County Texas | 3 | $ 1,065,000 | $ 355,000 | $ 260,000 |
| Falls County Texas | 3 | $ 1,095,000 | $ 365,000 | $ 122,000 |
| Gregg County Texas | 3 | $ 115,000 | $ 38,000 | $ 100,000 |
| Howard County Texas | 3 | $ 145,000 | $ 48,000 | $ 74,000 |
| Jackson County Texas | 3 | $ 705,000 | $ 235,000 | $ 331,000 |
| Matagorda County Texas | 3 | $ 465,000 | $ 155,000 | $ 119,000 |
| Montague County Texas | 3 | $ 575,000 | $ 191,000 | $ 143,000 |
| Nacogdoches County Texas | 3 | $ 415,000 | $ 138,000 | $ 117,000 |
| Starr County Texas | 3 | $ 275,000 | $ 91,000 | $ 88,000 |
| Wharton County Texas | 3 | $ 865,000 | $ 288,000 | $ 121,000 |
| Zavala County Texas | 3 | $ 845,000 | $ 281,000 | $ 81,000 |
| Los Angeles County California | 2 | $ 120,000 | $ 60,000 | $ 105,000 |
| Gwinnett County Georgia | 2 | $ 730,000 | $ 365,000 | $ 35,000 |
| Cass County Texas | 2 | $ 110,000 | $ 55,000 | $ 80,000 |
| Castro County Texas | 2 | $ 610,000 | $ 305,000 | $ 91,000 |
| Delta County Texas | 2 | $ 260,000 | $ 130,000 | $ 76,000 |
| Duval County Texas | 2 | $ 150,000 | $ 75,000 | $ 103,000 |
| Goliad County Texas | 2 | $ 320,000 | $ 160,000 | $ 116,000 |
| Hale County Texas | 2 | $ 140,000 | $ 70,000 | $ 85,000 |
| Hardin County Texas | 2 | $ 380,000 | $ 190,000 | $ 86,000 |
| Houston County Texas | 2 | $ 730,000 | $ 365,000 | $ 116,000 |
| Kinney County Texas | 2 | $ 130,000 | $ 65,000 | $ 64,000 |
| Lamar County Texas | 2 | $ 440,000 | $ 220,000 | $ 237,000 |
| Liberty County Texas | 2 | $ 570,000 | $ 285,000 | $ 172,000 |
| Live Oak County Texas | 2 | $ 180,000 | $ 90,000 | $ 152,000 |
| Marion County Texas | 2 | $ 410,000 | $ 205,000 | $ 133,000 |
| Rains County Texas | 2 | $ 280,000 | $ 140,000 | $ 96,000 |
| Zapata County Texas | 2 | $ 260,000 | $ 130,000 | $ 63,000 |
| Clark County Nevada | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Camp County Texas | 1 | $ 895,000 | $ 895,000 | $ 280,000 |
| Dimmit County Texas | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Foard County Texas | 1 | $ 65,000 | $ 65,000 | $ 110,000 |
| Gaines County Texas | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Jasper County Texas | 1 | $ 125,000 | $ 125,000 | $ 166,000 |
| Jim Hogg County Texas | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Kimble County Texas | 1 | $ 275,000 | $ 275,000 | $ 73,000 |
| La Salle County Texas | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Limestone County Texas | 1 | $ 95,000 | $ 95,000 | $ 90,000 |
| Loving County Texas | 1 | $ 275,000 | $ 275,000 | $ 193,000 |
| Madison County Texas | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Martin County Texas | 1 | $ 405,000 | $ 405,000 | $ 76,000 |
| McCulloch County Texas | 1 | $ 135,000 | $ 135,000 | $ 69,000 |
| Potter County Texas | 1 | $ 645,000 | $ 645,000 | $ 160,000 |
| Real County Texas | 1 | $ 5,000 | $ 5,000 | $ 102,000 |
| Red River County Texas | 1 | $ 225,000 | $ 225,000 | $ 54,000 |
| Reeves County Texas | 1 | $ 155,000 | $ 155,000 | $ 30,000 |
| Runnels County Texas | 1 | $ 85,000 | $ 85,000 | $ 131,000 |
| San Augustine County Texas | 1 | $ 55,000 | $ 55,000 | $ 114,000 |
| Scurry County Texas | 1 | $ 25,000 | $ 25,000 | $ 59,000 |
| Somervell County Texas | 1 | $ 555,000 | $ 555,000 | $ 517,000 |
| Throckmorton County Texas | 1 | $ 55,000 | $ 55,000 | $ 31,000 |
| Titus County Texas | 1 | $ 105,000 | $ 105,000 | $ 150,000 |
| Trinity County Texas | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Tyler County Texas | 1 | $ 335,000 | $ 335,000 | $ 267,000 |
| Upshur County Texas | 1 | $ 475,000 | $ 475,000 | $ 89,000 |
| Ward County Texas | 1 | $ 175,000 | $ 175,000 | $ 139,000 |
| Yoakum County Texas | 1 | $ 95,000 | $ 95,000 | $ 140,000 |
| Young County Texas | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for Randolph-Brooks Federal Credit Union in 2022
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 6,653 | $2,459,705,000 | $369,000 | $4,005,000 | $152,000 | $3,953,000 |
| Cash-out Refinancing | 6,483 | $907,835,000 | $140,000 | $4,845,000 | $139,000 | $5,410,000 |
| Home Improvement | 4,397 | $456,205,000 | $103,000 | $12,505,000 | $135,000 | $2,400,000 |
| Refinancing | 1,399 | $295,395,000 | $211,000 | $2,305,000 | $125,000 | $2,880,000 |
| 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 | 7,492 | $1,629,270,000 | $217,000 | $12,505,000 | $152,000 | $4,139,000 |
| Hispanic | 5,467 | $918,275,000 | $167,000 | $2,525,000 | $106,000 | $1,632,000 |
| Not Provided | 3,489 | $900,715,000 | $258,000 | $4,845,000 | $169,000 | $5,410,000 |
| Asian | 958 | $264,130,000 | $275,000 | $4,445,000 | $169,000 | $2,880,000 |
| Black or African American | 935 | $188,465,000 | $201,000 | $2,505,000 | $134,000 | $920,000 |
| Not applicable | 433 | $184,765,000 | $426,000 | $2,975,000 | $0 | $0 |
| American Indian or Alaskan Native | 124 | $25,940,000 | $209,000 | $1,505,000 | $133,000 | $599,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $3,300,000 | $183,000 | $475,000 | $118,000 | $325,000 |
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) | 18,932 | $4,119,140,000 | $217,000 | $12,505,000 | $142,000 | $5,410,000 |
| 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 | 8,173 | $1,511,095,000 | $184,000 | $2,525,000 | $148,000 | $2,567,000 |
| Application Denied By Financial Institution | 2,469 | $424,925,000 | $172,000 | $4,685,000 | $98,000 | $1,123,000 |
| Application Withdrawn By Applicant | 2,328 | $462,380,000 | $198,000 | $12,505,000 | $168,000 | $5,410,000 |
| Application Approved But Not Accepted | 1,909 | $534,725,000 | $280,000 | $3,055,000 | $155,000 | $1,471,000 |
| Preapproval Approved but not Accepted | 1,415 | $473,325,000 | $334,000 | $1,955,000 | $135,000 | $1,741,000 |
| File Closed For Incompleteness | 1,379 | $289,625,000 | $210,000 | $4,845,000 | $162,000 | $3,953,000 |
| Preapproval Denied by Financial Institution | 936 | $278,780,000 | $297,000 | $4,005,000 | $86,000 | $2,592,000 |
| Loan Purchased By The Institution | 323 | $144,285,000 | $446,000 | $2,975,000 | $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 | 15,527 | $3,415,435,000 | $219,000 | $12,505,000 | $152,000 | $5,410,000 |
| Debt-To-Income Ratio | 1,859 | $458,705,000 | $246,000 | $4,685,000 | $71,000 | $596,000 |
| Credit History | 798 | $118,300,000 | $148,000 | $4,005,000 | $111,000 | $2,592,000 |
| Collateral | 527 | $68,155,000 | $129,000 | $1,675,000 | $142,000 | $738,000 |
| Unverifiable Information | 115 | $30,355,000 | $263,000 | $1,505,000 | $121,000 | $1,050,000 |
| Employment History | 42 | $8,190,000 | $195,000 | $475,000 | $104,000 | $750,000 |
| Other | 40 | $13,440,000 | $336,000 | $675,000 | $146,000 | $360,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $6,560,000 | $273,000 | $1,555,000 | $126,000 | $960,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Randolph-Brooks Federal Credit Union's 2022 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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