Randolph-Brooks Federal Credit Union in Texas vs the state
10.5%Denial rate-8.98 pts vs state
14.3%Decision denial rate-10.57 pts vs state
51.5%Origination rate-3.35 pts vs state
6.88%Median rate+0.38 pts vs state
0.43Rate spread (pts)+0.24 pts vs state
$117kMedian applicant income
7,141Loans originated
1,448Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12,912 | 6,593 | 14.1% | 7.25% | #13 |
| 2024 | 13,440 | 6,955 | 12.2% | 7.13% | #13 |
| 2025 | 13,859 | 7,141 | 10.5% | 6.88% | #15 |
What Randolph-Brooks Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Randolph-Brooks Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 4,720 | 2,416 | 573 | 12.1% |
| Travis County | 1,170 | 586 | 101 | 8.6% |
| Comal County | 951 | 531 | 75 | 7.9% |
| Guadalupe County | 927 | 496 | 72 | 7.8% |
| Williamson County | 775 | 415 | 73 | 9.4% |
| Hays County | 661 | 346 | 70 | 10.6% |
| Collin County | 651 | 347 | 50 | 7.7% |
| Denton County | 367 | 199 | 40 | 10.9% |
| Nueces County | 309 | 159 | 34 | 11.0% |
| Wilson County | 285 | 176 | 23 | 8.1% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 13,859 applications in 2025, of which 7,141 were originated and 1,448 denied.
10.5% of all applications, or 14.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Randolph-Brooks Federal Credit Union originated in Texas in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Randolph-Brooks Federal Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology