Randolph-Brooks Federal Credit Union mortgage approval rate & lending review
Randolph-Brooks Federal Credit Union decided 26,415 mortgage applications and funded 18,323 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Randolph-Brooks Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Randolph-Brooks Federal Credit Union at a glance
Approval is 11.7 points above the 72.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 3,666 / 4,128 | 64% | $305K | 2,340 |
| Home improvement loans | 91% | 436 / 478 | 67% | $55K | 293 |
| Cash-out refinance | 83% | 16,359 / 19,741 | 88% | $75K | 14,357 |
| Refinance | 73% | 372 / 513 | 79% | $165K | 293 |
| Investment property purchase | 87% | 600 / 688 | 76% | $165K | 454 |
| Investment cash-out refinance | 77% | 587 / 765 | 88% | $105K | 519 |
| Investment refinance | 75% | 72 / 96 | 89% | $115K | 64 |
Randolph-Brooks Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 84% | $75K | 26,415 | 18,323 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Randolph-Brooks Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bexar County, TX | Cash-out refinance | 81% | 7,716 | 5,427 |
| Travis County, TX | Cash-out refinance | 84% | 1,937 | 1,424 |
| Comal County, TX | Cash-out refinance | 88% | 1,596 | 1,277 |
| Guadalupe County, TX | Cash-out refinance | 85% | 1,654 | 1,275 |
| Williamson County, TX | Cash-out refinance | 85% | 1,327 | 989 |
| Hays County, TX | Cash-out refinance | 83% | 1,175 | 850 |
| Collin County, TX | Cash-out refinance | 84% | 1,097 | 812 |
| Bexar County, TX | Mortgage lenders | 89% | 1,306 | 736 |
| Denton County, TX | Cash-out refinance | 84% | 620 | 456 |
| Tarrant County, TX | Cash-out refinance | 84% | 424 | 324 |
| Bexar County, TX | Investment cash-out refinance | 76% | 406 | 285 |
| Nueces County, TX | Cash-out refinance | 78% | 375 | 255 |
The county markets where Randolph-Brooks Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Randolph-Brooks Federal Credit Union
What is Randolph-Brooks Federal Credit Union's mortgage approval rate?
Randolph-Brooks Federal Credit Union approved 83.7% of the 26,415 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.7 points above the 72.0% national rate for the same mix of loan types.
How often do borrowers take the loan Randolph-Brooks Federal Credit Union offers?
Borrowers accepted 83% of the loans Randolph-Brooks Federal Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Randolph-Brooks Federal Credit Union make?
The typical cash-out refinance loan Randolph-Brooks Federal Credit Union made was $75K; across all loan types its typical loan ran from $55K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Randolph-Brooks Federal Credit Union lend?
Randolph-Brooks Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to Randolph-Brooks Federal Credit Union directly?
Yes. Randolph-Brooks Federal Credit Union is a bank or credit union with 65 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Randolph-Brooks Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Randolph-Brooks Federal Credit Union treats applications, then get a rate quote from the lender.