Purchase Originations
869
Ranked #422 nationally
Median Total Costs
$5,099
−23.7% vs national ($6,680)
↓ $516 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$750
Median Lender Credits
$276
Cost Rank (500+ vol.)
#202
among lenders with 500+ originations
Denial Rate
7.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 843 | 6.625% | $5,064 | $750 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 869 | 6.500% | $5,099 | #73 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,717 | 6.625% | — | 8 | −$1,382 | |
| 2 | $3,825 | 6.625% | — | 14 | −$1,274 | |
| 3 | $4,282 | 6.875% | — | 21 | −$817 | |
| 4 | $4,367 | 6.625% | — | 61 | −$732 | |
| 5 | $4,395 | 6.750% | — | 40 | −$704 | |
| 6 | $4,478 | 6.875% | — | 9 | −$621 | |
| 7 | $4,619 | 6.625% | — | 234 | −$480 | |
| 8 | $4,721 | 6.438% | — | 8 | −$378 | |
| 9 | $4,885 | 6.375% | — | 68 | −$214 | |
| 10 | $5,053 | 6.125% | — | 25 | −$46 | |
| 11 | $5,057 | 6.500% | — | 45 | −$42 | |
| 12 | $5,534 | 6.500% | — | 14 | +$435 | |
| 13 | $5,672 | 6.625% | — | 21 | +$573 | |
| 14 | $5,762 | 6.000% | — | 11 | +$663 | |
| 15 | $6,168 | 6.500% | — | 14 | +$1,069 | |
| 16 | $6,371 | 6.750% | — | 28 | +$1,272 | |
| 17 | $6,794 | 6.000% | — | 64 | +$1,695 | |
| 18 | $6,840 | 6.000% | — | 15 | +$1,741 | |
| 19 | $7,101 | 6.688% | — | 8 | +$2,002 | |
| 20 | $7,128 | 5.875% | — | 25 | +$2,029 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Randolph-Brooks Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $5,099 | $7,127 | −$2,028 (−28.5%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.