Applications / Mortgage Analytics / Lenders / Texas / Randolph-Brooks Federal Credit Union
Live Oak, TX · Credit union · NCUA · $19.2 billion assets · 7,141 loans in 2025
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7,141
loans originated, 2025
13,859
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Randolph-Brooks Federal Credit Union is a Texas-only, mostly refinance lender that ranks 5 of 669 lenders in San Antonio, where its share rose in 2025.
Refinancing made up 82.4% of its loans and home purchase 16.0%. Its typical loan was $105,000, against $115,000 at similar lenders (credit unions making between half and twice as many loans). It turned down 16.5% of decided first-lien refinance applications on owner-occupied homes, against 20.5% at similar lenders.
Of its loans, 55.6% were in majority-minority areas, against 9.4% at similar lenders, a higher share than nearly all of them, and up from 36.7% five years before. Its 17.1% in LMI (low- and moderate-income) areas was higher than about three-quarters of peers, while its 27.1% to LMI borrowers was near the middle. All its lending is in Texas, centered on San Antonio, which may explain much of this.
Its San Antonio share rose to 3.2% from 2.9%; it has lent there since before 1990. Originations grew 3%, against 9% for similar lenders and 10% for the whole market, slower than about seven in ten peers. Its weight in refinancing, or its concentration in Texas markets, are possible reasons.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Randolph-Brooks Federal Credit Union took 13,859 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 82.4% · Purchase 16.0% · Home improvement 1.6%
Conventional 99.6% · VA 0.2% · FHA 0.2% · of 7,141 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 7,141 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Antonio-New Braunfels | 3,807 |
| Austin-Round Rock-San Marcos | 1,473 |
| Dallas-Plano-Irving | 705 |
| Houston-Pasadena-The Woodlands | 214 |
| Corpus Christi | 199 |
| Fort Worth-Arlington-Grapevine | 177 |
| Killeen-Temple | 48 |
| Brownsville-Harlingen | 28 |
| McAllen-Edinburg-Mission | 28 |
| Sherman-Denison | 20 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LU6Y2TXG48QY48 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 491381 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58111 | 1990–2017 |
Established 1 January 1952. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Randolph-Brooks Federal Credit Union's data.
Randolph-Brooks Federal Credit Union's data
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