Randolph-Brooks Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023

Randolph-Brooks Federal Credit Union 2023 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 14,685
Total Mortgage Loan Application Amount $2,643,725,000
Average Mortgage Loan Application Amount $203,500
Highest Mortgage Loan Application Amount $5,645,000
Average Applicant Income $148,750
Highest Applicant Income $6,120,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.

Mortgage Loan Application Totals for Randolph-Brooks Federal Credit Union by County in 2023

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 4,414 $ 532,670,000 $ 120,000 $ 116,000
Travis County Texas 1,204 $ 266,200,000 $ 221,000 $ 187,000
Guadalupe County Texas 944 $ 106,210,000 $ 112,000 $ 111,000
Comal County Texas 925 $ 164,305,000 $ 177,000 $ 148,000
Williamson County Texas 825 $ 150,245,000 $ 182,000 $ 156,000
Hays County Texas 672 $ 95,510,000 $ 142,000 $ 138,000
Collin County Texas 648 $ 150,450,000 $ 232,000 $ 177,000
Denton County Texas 317 $ 77,965,000 $ 245,000 $ 180,000
Wilson County Texas 265 $ 36,515,000 $ 137,000 $ 143,000
Dallas County Texas 244 $ 58,120,000 $ 238,000 $ 205,000
Tarrant County Texas 229 $ 45,965,000 $ 200,000 $ 161,000
Nueces County Texas 227 $ 35,905,000 $ 158,000 $ 131,000
Harris County Texas 196 $ 44,520,000 $ 227,000 $ 189,000
Kendall County Texas 136 $ 39,630,000 $ 291,000 $ 245,000
Caldwell County Texas 130 $ 16,990,000 $ 130,000 $ 106,000
Medina County Texas 109 $ 20,265,000 $ 185,000 $ 134,000
Bastrop County Texas 95 $ 13,965,000 $ 147,000 $ 105,000
Kerr County Texas 92 $ 14,030,000 $ 152,000 $ 114,000
Bell County Texas 71 $ 8,235,000 $ 115,000 $ 129,000
Atascosa County Texas 66 $ 7,630,000 $ 115,000 $ 128,000
Gonzales County Texas 63 $ 4,965,000 $ 78,000 $ 88,000
Montgomery County Texas 60 $ 12,540,000 $ 209,000 $ 169,000
Hidalgo County Texas 50 $ 5,960,000 $ 119,000 $ 143,000
Fort Bend County Texas 48 $ 13,960,000 $ 290,000 $ 190,000
San Patricio County Texas 46 $ 6,560,000 $ 142,000 $ 131,000
Grayson County Texas 42 $ 7,270,000 $ 173,000 $ 117,000
Aransas County Texas 41 $ 10,055,000 $ 245,000 $ 221,000
Bandera County Texas 40 $ 7,290,000 $ 182,000 $ 129,000
Burnet County Texas 37 $ 12,855,000 $ 347,000 $ 189,000
Blanco County Texas 34 $ 6,410,000 $ 188,000 $ 151,000
Cameron County Texas 34 $ 6,500,000 $ 191,000 $ 128,000
Ellis County Texas 31 $ 8,615,000 $ 277,000 $ 183,000
Galveston County Texas 31 $ 10,845,000 $ 349,000 $ 199,000
Gillespie County Texas 28 $ 9,940,000 $ 355,000 $ 190,000
Parker County Texas 27 $ 10,255,000 $ 379,000 $ 187,000
McLennan County Texas 26 $ 4,010,000 $ 154,000 $ 136,000
Webb County Texas 24 $ 4,300,000 $ 179,000 $ 282,000
Brazoria County Texas 23 $ 7,795,000 $ 338,000 $ 164,000
Brazos County Texas 23 $ 5,605,000 $ 243,000 $ 175,000
Rockwall County Texas 21 $ 3,135,000 $ 149,000 $ 160,000
Johnson County Texas 20 $ 4,290,000 $ 214,000 $ 155,000
Llano County Texas 18 $ 5,510,000 $ 306,000 $ 161,000
Val Verde County Texas 18 $ 1,900,000 $ 105,000 $ 116,000
El Paso County Texas 17 $ 1,955,000 $ 115,000 $ 227,000
Lubbock County Texas 17 $ 6,365,000 $ 374,000 $ 278,000
Hunt County Texas 15 $ 2,625,000 $ 175,000 $ 114,000
Karnes County Texas 15 $ 2,555,000 $ 170,000 $ 103,000
Kaufman County Texas 14 $ 1,620,000 $ 115,000 $ 105,000
Smith County Texas 13 $ 1,735,000 $ 133,000 $ 177,000
Fannin County Texas 12 $ 2,250,000 $ 187,000 $ 174,000
Fayette County Texas 12 $ 1,780,000 $ 148,000 $ 111,000
Lavaca County Texas 11 $ 2,905,000 $ 264,000 $ 108,000
Maverick County Texas 11 $ 1,355,000 $ 123,000 $ 108,000
Wise County Texas 11 $ 1,765,000 $ 160,000 $ 150,000
Tom Green County Texas 10 $ 980,000 $ 98,000 $ 100,000
Victoria County Texas 10 $ 1,750,000 $ 175,000 $ 114,000
Coryell County Texas 9 $ 1,105,000 $ 122,000 $ 101,000
Jim Wells County Texas 9 $ 1,485,000 $ 165,000 $ 346,000
Waller County Texas 9 $ 3,945,000 $ 438,000 $ 288,000
Bee County Texas 8 $ 890,000 $ 111,000 $ 60,000
DeWitt County Texas 8 $ 1,650,000 $ 206,000 $ 173,000
Frio County Texas 8 $ 1,510,000 $ 188,000 $ 96,000
Kleberg County Texas 8 $ 1,900,000 $ 237,000 $ 183,000
Live Oak County Texas 8 $ 1,050,000 $ 131,000 $ 105,000
Hood County Texas 7 $ 1,145,000 $ 163,000 $ 111,000
Liberty County Texas 7 $ 1,075,000 $ 153,000 $ 95,000
Midland County Texas 7 $ 735,000 $ 105,000 $ 170,000
Taylor County Texas 7 $ 625,000 $ 89,000 $ 119,000
Brown County Texas 6 $ 240,000 $ 40,000 $ 96,000
Colorado County Texas 6 $ 1,250,000 $ 208,000 $ 109,000
Milam County Texas 6 $ 1,010,000 $ 168,000 $ 132,000
Navarro County Texas 6 $ 2,210,000 $ 368,000 $ 203,000
Uvalde County Texas 6 $ 540,000 $ 90,000 $ 110,000
Wood County Texas 6 $ 770,000 $ 128,000 $ 91,000
Calhoun County Texas 5 $ 1,255,000 $ 251,000 $ 154,000
Goliad County Texas 5 $ 565,000 $ 113,000 $ 118,000
Henderson County Texas 5 $ 1,225,000 $ 245,000 $ 200,000
Houston County Texas 5 $ 435,000 $ 87,000 $ 91,000
Lampasas County Texas 5 $ 425,000 $ 85,000 $ 190,000
Runnels County Texas 5 $ 1,295,000 $ 259,000 $ 136,000
Van Zandt County Texas 5 $ 1,335,000 $ 267,000 $ 205,000
Wharton County Texas 5 $ 815,000 $ 163,000 $ 79,000
Angelina County Texas 4 $ 410,000 $ 102,000 $ 130,000
Cherokee County Texas 4 $ 410,000 $ 102,000 $ 138,000
Eastland County Texas 4 $ 450,000 $ 112,000 $ 87,000
Gregg County Texas 4 $ 1,250,000 $ 312,000 $ 274,000
Jefferson County Texas 4 $ 4,180,000 $ 1,045,000 $ 111,000
Limestone County Texas 4 $ 800,000 $ 200,000 $ 168,000
Potter County Texas 4 $ 590,000 $ 147,000 $ 254,000
Robertson County Texas 4 $ 1,060,000 $ 265,000 $ 145,000
Starr County Texas 4 $ 760,000 $ 190,000 $ 83,000
Walker County Texas 4 $ 1,440,000 $ 360,000 $ 174,000
Wichita County Texas 4 $ 310,000 $ 77,000 $ 121,000
Zavala County Texas 4 $ 150,000 $ 37,000 $ 88,000
Brewster County Texas 3 $ 305,000 $ 101,000 $ 148,000
Burleson County Texas 3 $ 195,000 $ 65,000 $ 78,000
Coleman County Texas 3 $ 365,000 $ 121,000 $ 135,000
Ector County Texas 3 $ 385,000 $ 128,000 $ 149,000
Erath County Texas 3 $ 1,005,000 $ 335,000 $ 112,000
Franklin County Texas 3 $ 795,000 $ 265,000 $ 156,000
Lee County Texas 3 $ 475,000 $ 158,000 $ 143,000
Matagorda County Texas 3 $ 405,000 $ 135,000 $ 182,000
Palo Pinto County Texas 3 $ 615,000 $ 205,000 $ 117,000
Randall County Texas 3 $ 805,000 $ 268,000 $ 196,000
Zapata County Texas 3 $ 465,000 $ 155,000 $ 94,000
Bosque County Texas 2 $ 380,000 $ 190,000 $ 73,000
Coke County Texas 2 $ 210,000 $ 105,000 $ 126,000
Cooke County Texas 2 $ 160,000 $ 80,000 $ 93,000
Duval County Texas 2 $ 160,000 $ 80,000 $ 171,000
Grimes County Texas 2 $ 830,000 $ 415,000 $ 119,000
Hamilton County Texas 2 $ 130,000 $ 65,000 $ 138,000
Hardin County Texas 2 $ 790,000 $ 395,000 $ 258,000
Hill County Texas 2 $ 290,000 $ 145,000 $ 139,000
Hopkins County Texas 2 $ 320,000 $ 160,000 $ 131,000
Kimble County Texas 2 $ 690,000 $ 345,000 $ 103,000
La Salle County Texas 2 $ 180,000 $ 90,000 $ 100,000
Pecos County Texas 2 $ 1,360,000 $ 680,000 $ 262,000
Polk County Texas 2 $ 330,000 $ 165,000 $ 135,000
Rusk County Texas 2 $ 190,000 $ 95,000 $ 345,000
San Saba County Texas 2 $ 270,000 $ 135,000 $ 131,000
Titus County Texas 2 $ 310,000 $ 155,000 $ 82,000
Washington County Texas 2 $ 430,000 $ 215,000 $ 119,000
Houston County Georgia 1 $ 25,000 $ 25,000 $ 409,000
Macoupin County Illinois 1 $ 25,000 $ 25,000 $ 168,000
Baltimore County Maryland 1 $ 85,000 $ 85,000 $ 332,000
Baltimore City County Maryland 1 $ 105,000 $ 105,000 $ 119,000
Lincoln County New Mexico 1 $ 105,000 $ 105,000 $ 500,000
Montgomery County Ohio 1 $ 95,000 $ 95,000 $ 134,000
Anderson County Texas 1 $ 135,000 $ 135,000 $ 117,000
Bowie County Texas 1 $ 155,000 $ 155,000 $ 93,000
Callahan County Texas 1 $ 55,000 $ 55,000 $ 131,000
Camp County Texas 1 $ 25,000 $ 25,000 $ 40,000
Cass County Texas 1 $ 75,000 $ 75,000 $ 96,000
Chambers County Texas 1 $ 505,000 $ 505,000 $ 225,000
Dimmit County Texas 1 $ 35,000 $ 35,000 $ 98,000
Falls County Texas 1 $ 165,000 $ 165,000 $ 236,000
Freestone County Texas 1 $ 145,000 $ 145,000 $ 133,000
Harrison County Texas 1 $ 265,000 $ 265,000 $ 63,000
Haskell County Texas 1 $ 55,000 $ 55,000 $ 46,000
Hemphill County Texas 1 $ 125,000 $ 125,000 $ 0
Howard County Texas 1 $ 55,000 $ 55,000 $ 88,000
Hutchinson County Texas 1 $ 75,000 $ 75,000 $ 120,000
Jasper County Texas 1 $ 125,000 $ 125,000 $ 82,000
Kinney County Texas 1 $ 95,000 $ 95,000 $ 121,000
Leon County Texas 1 $ 25,000 $ 25,000 $ 50,000
Lipscomb County Texas 1 $ 135,000 $ 135,000 $ 52,000
Marion County Texas 1 $ 55,000 $ 55,000 $ 219,000
Mason County Texas 1 $ 125,000 $ 125,000 $ 62,000
McCulloch County Texas 1 $ 35,000 $ 35,000 $ 60,000
McMullen County Texas 1 $ 405,000 $ 405,000 $ 103,000
Montague County Texas 1 $ 55,000 $ 55,000 $ 119,000
Nacogdoches County Texas 1 $ 5,000 $ 5,000 $ 64,000
Nolan County Texas 1 $ 215,000 $ 215,000 $ 56,000
Orange County Texas 1 $ 65,000 $ 65,000 $ 128,000
Presidio County Texas 1 $ 95,000 $ 95,000 $ 162,000
Refugio County Texas 1 $ 85,000 $ 85,000 $ 6,000
Somervell County Texas 1 $ 105,000 $ 105,000 $ 144,000
Terry County Texas 1 $ 205,000 $ 205,000 $ 113,000
Trinity County Texas 1 $ 105,000 $ 105,000 $ 190,000
Upton County Texas 1 $ 15,000 $ 15,000 $ 19,000
Wilbarger County Texas 1 $ 145,000 $ 145,000 $ 84,000
Yoakum County Texas 1 $ 85,000 $ 85,000 $ 169,000

Mortgage Loan Application Detail Totals for Randolph-Brooks Federal Credit Union in 2023

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 9,740 $980,490,000 $100,000 $3,305,000 $130,000 $6,020,000
Home Purchase 4,372 $1,556,980,000 $356,000 $5,645,000 $162,000 $6,120,000
Refinancing 307 $82,025,000 $267,000 $5,505,000 $125,000 $1,905,000
Home Improvement 266 $24,230,000 $91,000 $685,000 $178,000 $1,811,000
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 5,426 $978,950,000 $180,000 $4,005,000 $150,000 $3,435,000
Hispanic 5,127 $681,595,000 $132,000 $2,535,000 $111,000 $6,120,000
Not Provided 1,951 $427,355,000 $219,000 $5,645,000 $168,000 $6,020,000
Black or African American 812 $126,330,000 $155,000 $1,655,000 $135,000 $1,499,000
Asian 604 $157,400,000 $260,000 $1,805,000 $172,000 $1,698,000
Not applicable 227 $101,135,000 $445,000 $5,505,000 $0 $0
American Indian or Alaskan Native 177 $30,945,000 $174,000 $1,205,000 $139,000 $1,539,000
Native Hawaiian or Other Pacific Islander 29 $3,355,000 $115,000 $405,000 $214,000 $2,784,000

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) 14,685 $2,643,725,000 $180,000 $5,645,000 $140,000 $6,120,000
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 6,593 $943,135,000 $143,000 $1,855,000 $143,000 $1,597,000
Application Withdrawn By Applicant 2,181 $350,425,000 $160,000 $5,505,000 $162,000 $3,660,000
Application Denied By Financial Institution 1,822 $275,670,000 $151,000 $5,265,000 $92,000 $6,020,000
Application Approved But Not Accepted 1,370 $349,930,000 $255,000 $2,365,000 $160,000 $4,588,000
Preapproval Approved but not Accepted 987 $316,985,000 $321,000 $2,805,000 $147,000 $1,432,000
File Closed For Incompleteness 955 $157,775,000 $165,000 $5,645,000 $160,000 $6,120,000
Preapproval Denied by Financial Institution 607 $180,765,000 $297,000 $2,535,000 $79,000 $674,000
Loan Purchased By The Institution 170 $69,040,000 $406,000 $2,065,000 $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 12,256 $2,187,290,000 $178,000 $5,645,000 $150,000 $6,120,000
Debt-To-Income Ratio 1,457 $318,495,000 $218,000 $2,535,000 $69,000 $674,000
Credit History 495 $58,065,000 $117,000 $795,000 $92,000 $720,000
Collateral 375 $39,925,000 $106,000 $1,795,000 $139,000 $859,000
Unverifiable Information 49 $17,495,000 $357,000 $5,265,000 $225,000 $6,020,000
Other 23 $14,895,000 $647,000 $5,005,000 $124,000 $232,000
Employment History 20 $5,160,000 $258,000 $705,000 $70,000 $144,000
Insufficient Cash (Downpayment, Closing Cost) 10 $2,400,000 $240,000 $405,000 $114,000 $152,000
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 2023 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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