Randolph-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
Not enough data
—/5
No quote responses measured yet
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
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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, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
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 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.