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Randolph-Brooks Federal Credit Union

Credit Union•Live Oak, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Randolph-Brooks Federal Credit Union — 2.4k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Strong
4/5
Single State · 9 mkts
Promptness
Mediocre
1/5
No reply within 4+ business days
Safe Rate Awards
Refinance Champion
Refinance
Champion
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar

Safe Rate 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

Explore another lender or local market

Report Card

Randolph-Brooks Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+28.1 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 10 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Exceptional
Pull Through
Strong
Volume2,265
Mix94.8%
Spread
+0.314%Above
Fees
$441Fees
Jumbo Loans
Overall
Strong
Product
Exceptional
Pricing
Exceptional
Pull Through
Sound
Volume125
Mix5.2%
Spread
-0.704%Below
Fees
$562Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Strong
Pull Through
Acceptable
Volume774
Mix32.4%
Spread
-0.061%Below
Fees
$1,317Fees
Refinance
Overall
Strong
Product
Exceptional
Pricing
Exceptional
Pull Through
Strong
Volume1,616
Mix67.6%
Spread
+0.423%Above
Fees
$83Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
2,390
Applications
5,022
Volume
$580 million
Pricing & Closing
Avg Rate Spread
+0.281%
vs. market APOR
Avg Net Fees
$445
Origination − Credits
Pullthrough Rate
47.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$242,690
Avg Borrower Income
$144,330
Avg Property Value
$459,025

Geographic Coverage

Geographic Performance

Metro Areas
9
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South1
TX

Top Metro Areas by Place Specialization Score

1© Medialecent · CC BY 4.0
San Antonio, TXMetro
Volume 1,368Mix 57.24% of portfolio
95/100
Exceptional
2© Quintin Soloviev · CC BY 4.0
Austin, TXMetro
Volume 418Mix 17.49% of portfolio
87/100
Exceptional
3© Larry D. Moore · CC BY 4.0
Corpus Christi, TXMetro
Volume 71Mix 2.97% of portfolio
70/100
Strong
4© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 175Mix 7.32% of portfolio
70/100
Strong
5© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 69Mix 2.89% of portfolio
57/100
Sound
6© Billy Hathorn · CC BY-SA 3.0
Killeen, TXMetro
Volume 26Mix 1.09% of portfolio
53/100
Sound
7© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0
Fort Worth, TXMetro
Volume 35Mix 1.46% of portfolio
53/100
Sound
8© Michael Martin from Cypress, Texas · CC BY-SA 2.0
Brownsville, TXMetro
Volume 11Mix 0.46% of portfolio
42/100
Sound
9© Mig Esc · CC BY 3.0
McAllen, TXMetro
Volume 11Mix 0.46% of portfolio
42/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 2,390Mix 100.00% of portfolio
90/100
Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.