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Claim this ProfileRandolph-Brooks Federal Credit Union
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.
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
Doesn't respond
1/5
Hasn't answered a quote request
Awards
Refinance
Champion
Conventional
Superstar
Jumbo
Superstar
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
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,265 loans · 0.31% above market
Exceptional
Top 20% of lenders
5/5
Jumbo
125 loans · 0.70% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
774 loans · 0.06% below market
Strong
Top 40% of lenders
4/5
Refinance
1,616 loans · 0.42% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Single State · 10 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,265 | 94.8% | +0.314%Above | $441Fees | ||||
Jumbo Loans | 125 | 5.2% | -0.704%Below | $562Fees |
Conventional
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume2,265
Mix94.8%
Spread
+0.314%Above
Fees
$441Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughSound
Volume125
Mix5.2%
Spread
-0.704%Below
Fees
$562Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 774 | 32.4% | -0.061%Below | $1,317Fees | ||||
Refinance | 1,616 | 67.6% | +0.423%Above | $83Fees |
Purchase
OverallSound
ProductStrong
PricingStrong
Pull ThroughAcceptable
Volume774
Mix32.4%
Spread
-0.061%Below
Fees
$1,317Fees
Refinance
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughStrong
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
1Full-year 2024 · HMDALoans originated
< 2,0002,000+None
South1
TX
Top Metro Areas by Place Specialization Score
7© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 35Mix 1.46% of portfolio
53/100
Sound
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
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.