# RANDOLPH-BROOKS FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/randolph-brooks-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


RANDOLPH-BROOKS FEDERAL CREDIT UNION is a credit union, headquartered in Live Oak, TX, with 2,390 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 17% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300LU6Y2TXG48QY48
- **Headquarters:** Live Oak, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 10
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.281%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $445
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,390
- **Dollar Volume:** $580 million
- **Applications Received:** 5,022
- **Market Share:** 7.00%

## Typical Borrower Profile

- **Average Loan Amount:** $242,690
- **Average Borrower Income:** $144,330
- **Average Property Value:** $459,025

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (84%)
- 💎 **Refinance Diamond Champion** (84%)
- ⭐ **Jumbo Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 82/100 | 2,265 | +0.314% | $441 | Exceptional 🤩 |
| Jumbo | 82/100 | 125 | -0.704% | $562 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 666 loans, Score: 68/100 (Strong)
- Refinance: 1,599 loans, Score: 88/100 (Exceptional)

**Jumbo:**
- Purchase: 108 loans, Score: 82/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 774 | $341M | -0.061% | Strong 😀 |
| Refinance | 87/100 | 1,616 | $239M | +0.423% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 2,390 | 0.68% | 90/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Antonio | TX | 1,368 | 95/100 |
| Austin | TX | 418 | 87/100 |
| Dallas | TX | 175 | 70/100 |
| Non |  | 151 | 53/100 |
| Corpus Christi, TX | TX | 71 | 70/100 |
| Houston | TX | 69 | 57/100 |
| Fort Worth | TX | 35 | 53/100 |
| Killeen | TX | 26 | 53/100 |
| Brownsville | TX | 11 | 42/100 |
| McAllen | TX | 11 | 42/100 |

## Where This Lender Ranks

RANDOLPH-BROOKS FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Texas Credit Unions
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Texas for Conventional Loans
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Texas for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in San Antonio Credit Unions
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in San Antonio for Conventional Loans
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in San Antonio for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in San Antonio for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Austin Credit Unions
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Austin for Conventional Loans
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Austin for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Austin for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Dallas for Conventional Loans
  - [View Full Rankings](https://saferate.com/dallas/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Dallas for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/dallas/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Corpus Christi, TX
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders)
- 🥇 **#1** in Corpus Christi, TX Credit Unions
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Texas
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders)
- 🥈 **#2** in Texas for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in San Antonio
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders)
- 🥈 **#2** in Austin
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders)
- 🥈 **#2** in Dallas for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/dallas/best-mortgage-lenders/credit-unions/jumbo-loans)

## Frequently Asked Questions

### What loan types does RANDOLPH-BROOKS FEDERAL CREDIT UNION offer?

RANDOLPH-BROOKS FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does RANDOLPH-BROOKS FEDERAL CREDIT UNION offer mortgages?

RANDOLPH-BROOKS FEDERAL CREDIT UNION offers mortgages in 1 states: TX.

### How competitive are RANDOLPH-BROOKS FEDERAL CREDIT UNION's mortgage rates?

RANDOLPH-BROOKS FEDERAL CREDIT UNION has a pricing score of 83/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.281% above market average.

### What type of lender is RANDOLPH-BROOKS FEDERAL CREDIT UNION?

RANDOLPH-BROOKS FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Live Oak, TX.

### What is RANDOLPH-BROOKS FEDERAL CREDIT UNION's loan approval success rate?

RANDOLPH-BROOKS FEDERAL CREDIT UNION has a pull-through score of 62/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/randolph-brooks-federal-credit-union

### How to Cite

> "RANDOLPH-BROOKS FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/randolph-brooks-federal-credit-union

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