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RANDOLPH-BROOKS FEDERAL CREDIT UNION
Credit Union|Live Oak, TX|Single State
Loans Originated
2,390
Applications
5,022
Volume
$580 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards💎Conventional Champion💎Refinance Champion⭐Jumbo Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.281%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$445
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
47.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Report Card
RANDOLPH-BROOKS FEDERAL CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | Single State · 10 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$242,690
Average Borrower Income
$144,330
Average Property Value
$459,025
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Exceptional | Exceptional | Exceptional | Strong | 2,265 | 94.8% | +0.314% | $441 |
Jumbo Loans | Strong | Exceptional | Exceptional | Sound | 125 | 5.2% | -0.704% | $562 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Strong | Acceptable | 774 | 32.4% | -0.061% | $1,317 |
Refinance | Exceptional | Exceptional | Exceptional | Strong | 1,616 | 67.6% | +0.423% | $83 |
Geographic Coverage
Metro Areas
9
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
TX
Top Metro Areas by Place Specialization Score
1
San Antonio, TXMSA
Volume: 1,368Mix: 57.24%
Place Specialization
Exceptional
2
Austin, TXMSA
Volume: 418Mix: 17.49%
Place Specialization
Exceptional
3
Corpus Christi, TX, TXMSA
Volume: 71Mix: 2.97%
Place Specialization
Strong
4
Dallas, TXMSA
Volume: 175Mix: 7.32%
Place Specialization
Strong
5
Houston, TXMSA
Volume: 69Mix: 2.89%
Place Specialization
Sound
6
Killeen, TXMSA
Volume: 26Mix: 1.09%
Place Specialization
Sound
7
Fort Worth, TXMSA
Volume: 35Mix: 1.46%
Place Specialization
Sound
8
Brownsville, TXMSA
Volume: 11Mix: 0.46%
Place Specialization
Sound
9
McAllen, TXMSA
Volume: 11Mix: 0.46%
Place Specialization
Sound
Top States by Place Specialization Score
1
TXState
Volume: 2,390Mix: 100.00%
Place Specialization
Exceptional
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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