Randolph-Brooks Federal Credit Union Mortgage Lending & HMDA Data, 2024

In 2024, Randolph-Brooks Federal Credit Union of Universal City, TX reported 14,853 mortgage applications totaling $2.6 billion, up 1% from 2023. The average application was for $176,254, and applicants reported an average income of $143,945. 47% of its applications resulted in an originated loan and 11% were denied. Its largest markets were San Antonio-New Braunfels, TX (7,141), Austin-Round Rock, TX (2,833) and Dallas-Plano-Irving, TX (1,441) (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 14,853
Total Mortgage Loan Application Amount $2,617,915,000
Average Mortgage Loan Application Amount $176,254
Highest Mortgage Loan Application Amount $5,155,000
Average Applicant Income $143,945
Highest Applicant Income $8,198,000

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Randolph-Brooks Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Bexar, Texas 4,624 $ 579,070,000 $ 125,231 $ 121,000
Travis, Texas 1,176 $ 266,680,000 $ 226,768 $ 197,000
Comal, Texas 951 $ 153,055,000 $ 160,941 $ 149,000
Guadalupe, Texas 947 $ 112,245,000 $ 118,526 $ 118,000
Williamson, Texas 745 $ 126,885,000 $ 170,315 $ 157,000
Collin, Texas 643 $ 143,055,000 $ 222,480 $ 179,000
Hays, Texas 637 $ 103,195,000 $ 162,001 $ 135,000
Denton, Texas 426 $ 100,850,000 $ 236,737 $ 191,000
Wilson, Texas 270 $ 42,980,000 $ 159,185 $ 121,000
Nueces, Texas 262 $ 33,490,000 $ 127,824 $ 141,000
Tarrant, Texas 261 $ 43,525,000 $ 166,762 $ 168,000
Dallas, Texas 252 $ 67,730,000 $ 268,769 $ 209,000
Harris, Texas 227 $ 40,925,000 $ 180,286 $ 161,000
Caldwell, Texas 165 $ 22,125,000 $ 134,090 $ 100,000
Kendall, Texas 130 $ 34,640,000 $ 266,461 $ 206,000
Bastrop, Texas 110 $ 16,510,000 $ 150,090 $ 114,000
Bell, Texas 110 $ 17,240,000 $ 156,727 $ 140,000
Kerr, Texas 109 $ 20,975,000 $ 192,431 $ 132,000
Medina, Texas 107 $ 20,745,000 $ 193,878 $ 175,000
Atascosa, Texas 74 $ 10,540,000 $ 142,432 $ 103,000
Montgomery, Texas 66 $ 15,500,000 $ 234,848 $ 178,000
Burnet, Texas 63 $ 18,775,000 $ 298,015 $ 223,000
Fort Bend, Texas 61 $ 11,015,000 $ 180,573 $ 182,000
San Patricio, Texas 59 $ 6,925,000 $ 117,372 $ 130,000
Grayson, Texas 53 $ 12,225,000 $ 230,660 $ 171,000
Hidalgo, Texas 53 $ 8,215,000 $ 155,000 $ 137,000
Gonzales, Texas 47 $ 4,905,000 $ 104,361 $ 104,000
Ellis, Texas 42 $ 10,000,000 $ 238,095 $ 172,000
Cameron, Texas 41 $ 7,155,000 $ 174,512 $ 201,000
Aransas, Texas 39 $ 10,735,000 $ 275,256 $ 189,000
Bandera, Texas 38 $ 7,410,000 $ 195,000 $ 123,000
Rockwall, Texas 38 $ 9,800,000 $ 257,894 $ 170,000
Blanco, Texas 37 $ 9,135,000 $ 246,891 $ 171,000
Webb, Texas 36 $ 5,460,000 $ 151,666 $ 243,000
Galveston, Texas 27 $ 4,585,000 $ 169,814 $ 164,000
Gillespie, Texas 26 $ 6,250,000 $ 240,384 $ 191,000
McLennan, Texas 23 $ 3,975,000 $ 172,826 $ 122,000
Brazoria, Texas 22 $ 4,460,000 $ 202,727 $ 163,000
Parker, Texas 22 $ 5,880,000 $ 267,272 $ 165,000
Lavaca, Texas 21 $ 2,615,000 $ 124,523 $ 109,000
Hunt, Texas 20 $ 4,140,000 $ 207,000 $ 130,000
Kaufman, Texas 20 $ 3,290,000 $ 164,500 $ 142,000
El Paso, Texas 18 $ 2,220,000 $ 123,333 $ 134,000
Llano, Texas 17 $ 6,025,000 $ 354,411 $ 204,000
Wise, Texas 17 $ 6,135,000 $ 360,882 $ 165,000
Johnson, Texas 16 $ 1,390,000 $ 86,875 $ 133,000
Lubbock, Texas 16 $ 3,490,000 $ 218,125 $ 144,000
Smith, Texas 16 $ 1,700,000 $ 106,250 $ 123,000
Brazos, Texas 15 $ 2,395,000 $ 159,666 $ 191,000
Fannin, Texas 13 $ 3,335,000 $ 256,538 $ 168,000
Frio, Texas 13 $ 1,415,000 $ 108,846 $ 80,000
Henderson, Texas 13 $ 2,385,000 $ 183,461 $ 151,000
Lampasas, Texas 12 $ 3,820,000 $ 318,333 $ 160,000
Milam, Texas 12 $ 1,650,000 $ 137,500 $ 91,000
Val Verde, Texas 11 $ 1,245,000 $ 113,181 $ 124,000
Victoria, Texas 11 $ 915,000 $ 83,181 $ 93,000
Calhoun, Texas 10 $ 1,320,000 $ 132,000 $ 109,000
Erath, Texas 10 $ 1,800,000 $ 180,000 $ 119,000
Jim Wells, Texas 10 $ 1,220,000 $ 122,000 $ 102,000
Lee, Texas 10 $ 1,630,000 $ 163,000 $ 128,000
Maverick, Texas 10 $ 1,350,000 $ 135,000 $ 128,000
Uvalde, Texas 10 $ 1,870,000 $ 187,000 $ 166,000
Hood, Texas 9 $ 1,575,000 $ 175,000 $ 166,000
Karnes, Texas 9 $ 1,375,000 $ 152,777 $ 74,000
Tom Green, Texas 9 $ 2,025,000 $ 225,000 $ 181,000
Waller, Texas 9 $ 645,000 $ 71,666 $ 133,000
Fayette, Texas 8 $ 1,000,000 $ 125,000 $ 137,000
Midland, Texas 8 $ 1,270,000 $ 158,750 $ 192,000
Coryell, Texas 7 $ 1,555,000 $ 222,142 $ 106,000
Live Oak, Texas 7 $ 755,000 $ 107,857 $ 144,000
Kleberg, Texas 6 $ 550,000 $ 91,666 $ 75,000
Nacogdoches, Texas 6 $ 700,000 $ 116,666 $ 90,000
Navarro, Texas 6 $ 1,750,000 $ 291,666 $ 143,000
Taylor, Texas 6 $ 570,000 $ 95,000 $ 116,000
Washington, Texas 6 $ 2,180,000 $ 363,333 $ 163,000
Wichita, Texas 6 $ 810,000 $ 135,000 $ 880,000
Anderson, Texas 5 $ 505,000 $ 101,000 $ 83,000
Burleson, Texas 5 $ 855,000 $ 171,000 $ 96,000
Zavala, Texas 5 $ 855,000 $ 171,000 $ 110,000
Bosque, Texas 4 $ 770,000 $ 192,500 $ 99,000
Brown, Texas 4 $ 290,000 $ 72,500 $ 99,000
Cherokee, Texas 4 $ 800,000 $ 200,000 $ 65,000
Colorado, Texas 4 $ 570,000 $ 142,500 $ 145,000
Gregg, Texas 4 $ 690,000 $ 172,500 $ 135,000
Limestone, Texas 4 $ 680,000 $ 170,000 $ 117,000
Mills, Texas 4 $ 830,000 $ 207,500 $ 116,000
Potter, Texas 4 $ 470,000 $ 117,500 $ 87,000
Wharton, Texas 4 $ 370,000 $ 92,500 $ 97,000
Wood, Texas 4 $ 370,000 $ 92,500 $ 140,000
Angelina, Texas 3 $ 705,000 $ 235,000 $ 222,000
Bee, Texas 3 $ 205,000 $ 68,333 $ 93,000
Bowie, Texas 3 $ 225,000 $ 75,000 $ 175,000
Grimes, Texas 3 $ 345,000 $ 115,000 $ 124,000
Howard, Texas 3 $ 425,000 $ 141,666 $ 96,000
Madison, Texas 3 $ 455,000 $ 151,666 $ 340,000
McCulloch, Texas 3 $ 395,000 $ 131,666 $ 92,000
Randall, Texas 3 $ 655,000 $ 218,333 $ 318,000
Rusk, Texas 3 $ 405,000 $ 135,000 $ 149,000
Starr, Texas 3 $ 125,000 $ 41,666 $ 54,000
Van Zandt, Texas 3 $ 315,000 $ 105,000 $ 118,000
Walker, Texas 3 $ 475,000 $ 158,333 $ 172,000
Austin, Texas 2 $ 390,000 $ 195,000 $ 159,000
Cass, Texas 2 $ 300,000 $ 150,000 $ 184,000
Chambers, Texas 2 $ 360,000 $ 180,000 $ 123,000
Cooke, Texas 2 $ 310,000 $ 155,000 $ 269,000
DeWitt, Texas 2 $ 110,000 $ 55,000 $ 70,000
Dimmit, Texas 2 $ 320,000 $ 160,000 $ 77,000
Falls, Texas 2 $ 420,000 $ 210,000 $ 100,000
Hill, Texas 2 $ 710,000 $ 355,000 $ 157,000
Hockley, Texas 2 $ 650,000 $ 325,000 $ 133,000
La Salle, Texas 2 $ 800,000 $ 400,000 $ 179,000
Lamar, Texas 2 $ 540,000 $ 270,000 $ 170,000
Liberty, Texas 2 $ 80,000 $ 40,000 $ 63,000
Palo Pinto, Texas 2 $ 220,000 $ 110,000 $ 381,000
Pecos, Texas 2 $ 230,000 $ 115,000 $ 53,000
Polk, Texas 2 $ 300,000 $ 150,000 $ 104,000
Presidio, Texas 2 $ 430,000 $ 215,000 $ 365,000
Real, Texas 2 $ 500,000 $ 250,000 $ 196,000
San Jacinto, Texas 2 $ 240,000 $ 120,000 $ 118,000
San Saba, Texas 2 $ 180,000 $ 90,000 $ 147,000
Scurry, Texas 2 $ 290,000 $ 145,000 $ 74,000
Trinity, Texas 2 $ 210,000 $ 105,000 $ 194,000
Upshur, Texas 2 $ 690,000 $ 345,000 $ 104,000
Willacy, Texas 2 $ 710,000 $ 355,000 $ 169,000
Santa Clara, California 1 $ 5,000 $ 5,000 $ 60,000
DeKalb, Illinois 1 $ 115,000 $ 115,000 $ 180,000
Bergen, New Jersey 1 $ 155,000 $ 155,000 $ 149,000
Archer, Texas 1 $ 285,000 $ 285,000 $ 45,000
Camp, Texas 1 $ 35,000 $ 35,000 $ 75,000
Carson, Texas 1 $ 555,000 $ 555,000 $ 173,000
Castro, Texas 1 $ 65,000 $ 65,000 $ 81,000
Childress, Texas 1 $ 85,000 $ 85,000 $ 22,000
Concho, Texas 1 $ 65,000 $ 65,000 $ 0
Cottle, Texas 1 $ 35,000 $ 35,000 $ 83,000
Crockett, Texas 1 $ 95,000 $ 95,000 $ 38,000
Dawson, Texas 1 $ 65,000 $ 65,000 $ 120,000
Eastland, Texas 1 $ 45,000 $ 45,000 $ 62,000
Ector, Texas 1 $ 175,000 $ 175,000 $ 76,000
Freestone, Texas 1 $ 35,000 $ 35,000 $ 274,000
Goliad, Texas 1 $ 285,000 $ 285,000 $ 87,000
Hale, Texas 1 $ 55,000 $ 55,000 $ 62,000
Hamilton, Texas 1 $ 185,000 $ 185,000 $ 160,000
Hardeman, Texas 1 $ 75,000 $ 75,000 $ 24,000
Hardin, Texas 1 $ 155,000 $ 155,000 $ 92,000
Hopkins, Texas 1 $ 235,000 $ 235,000 $ 238,000
Jackson, Texas 1 $ 235,000 $ 235,000 $ 87,000
Jasper, Texas 1 $ 405,000 $ 405,000 $ 83,000
Jeff Davis, Texas 1 $ 95,000 $ 95,000 $ 132,000
Jefferson, Texas 1 $ 5,000 $ 5,000 $ 63,000
Kimble, Texas 1 $ 205,000 $ 205,000 $ 96,000
Lamb, Texas 1 $ 95,000 $ 95,000 $ 72,000
Leon, Texas 1 $ 365,000 $ 365,000 $ 137,000
Martin, Texas 1 $ 305,000 $ 305,000 $ 106,000
Matagorda, Texas 1 $ 105,000 $ 105,000 $ 143,000
Montague, Texas 1 $ 175,000 $ 175,000 $ 218,000
Nolan, Texas 1 $ 35,000 $ 35,000 $ 89,000
Rains, Texas 1 $ 155,000 $ 155,000 $ 71,000
Reeves, Texas 1 $ 35,000 $ 35,000 $ 50,000
San Augustine, Texas 1 $ 25,000 $ 25,000 $ 57,000
Stephens, Texas 1 $ 15,000 $ 15,000 $ 71,000
Sutton, Texas 1 $ 45,000 $ 45,000 $ 33,000
Tyler, Texas 1 $ 75,000 $ 75,000 $ 316,000
Ward, Texas 1 $ 155,000 $ 155,000 $ 72,000
Young, Texas 1 $ 165,000 $ 165,000 $ 74,000

Mortgage Loan Application Detail Totals for Randolph-Brooks Federal Credit Union in 2024

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 10,431 $1,133,715,000 $108,000 $1,505,000 $132,000 $8,198,000
Home Purchase 3,823 $1,369,505,000 $358,000 $4,785,000 $172,000 $4,404,000
Refinancing 330 $90,010,000 $272,000 $5,155,000 $150,000 $3,317,000
Home Improvement 269 $24,685,000 $91,000 $635,000 $201,000 $3,120,000
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
Hispanic 5,772 $787,560,000 $136,000 $5,155,000 $114,000 $4,363,000
White 5,396 $973,000,000 $180,000 $4,785,000 $161,000 $8,198,000
Not Provided 1,568 $340,460,000 $217,000 $4,205,000 $173,000 $6,872,000
Asian 970 $291,030,000 $300,000 $2,405,000 $190,000 $2,100,000
Black or African American 821 $130,285,000 $158,000 $2,365,000 $135,000 $1,296,000
Not applicable 205 $80,365,000 $392,000 $2,085,000 $0 $0
American Indian or Alaskan Native 98 $12,970,000 $132,000 $555,000 $130,000 $662,000
Native Hawaiian or Other Pacific Islander 23 $2,245,000 $97,000 $505,000 $124,000 $260,000

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) 14,853 $2,617,915,000 $176,000 $5,155,000 $144,000 $8,198,000
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 6,955 $1,055,315,000 $151,000 $4,785,000 $153,000 $6,872,000
Application Withdrawn By Applicant 2,392 $371,090,000 $155,000 $4,205,000 $149,000 $3,120,000
Application Denied By Financial Institution 1,637 $235,555,000 $143,000 $5,155,000 $93,000 $5,613,000
Application Approved But Not Accepted 1,419 $331,925,000 $233,000 $3,375,000 $162,000 $3,178,000
File Closed For Incompleteness 1,040 $156,000,000 $150,000 $1,795,000 $146,000 $8,198,000
Preapproval Approved but not Accepted 761 $254,675,000 $334,000 $2,805,000 $157,000 $1,163,000
Preapproval Denied by Financial Institution 472 $142,360,000 $301,000 $1,205,000 $79,000 $673,000
Loan Purchased By The Institution 177 $70,995,000 $401,000 $1,695,000 $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 12,744 $2,240,000,000 $175,000 $4,785,000 $153,000 $8,198,000
Debt-To-Income Ratio 1,197 $261,175,000 $218,000 $5,155,000 $66,000 $546,000
Credit History 487 $56,985,000 $117,000 $1,005,000 $93,000 $1,000,000
Collateral 364 $46,500,000 $127,000 $1,445,000 $157,000 $5,613,000
Employment History 28 $4,650,000 $166,000 $555,000 $115,000 $2,100,000
Other 14 $3,790,000 $270,000 $725,000 $131,000 $369,000
Unverifiable Information 10 $2,020,000 $202,000 $805,000 $97,000 $225,000
Insufficient Cash (Downpayment, Closing Cost) 7 $2,445,000 $349,000 $765,000 $112,000 $194,000
Credit Application Incomplete 2 $350,000 $175,000 $185,000 $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 2024 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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