RAVE FINANCIAL CREDIT UNION
RAVE FINANCIAL CREDIT UNION received 456 applications in 2025 and made 256 mortgages, in 26 counties across 1 state. The median rate its borrowers got was 5.875% on a median loan of $90,000. Of 434 decisions, 144 were denials — 33.2%, most often for credit history.
| Legal Entity Identifier | 549300SWDNGYGQBG4K69 |
|---|---|
| Applications received | 456 |
| Mortgages made | 256 |
| Denied | 144 |
| Approved, not taken up | 34 |
| Withdrawn or incomplete | 22 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.297 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 42 | 6.625% | $175,000 | 7.4% |
| Refinancing | 10 | 5.875% | $170,000 | 40.0% |
| Cash-out refinancing | 52 | 6.000% | $125,000 | 30.1% |
| Other purposes | 152 | 5.625% | $65,000 | 38.6% |
Where RAVE FINANCIAL CREDIT UNION lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, TX | 80 | 5.875% | 34.3% |
| Hardin County, TX | 38 | 6.000% | 26.6% |
| Orange County, TX | 30 | 5.750% | 23.8% |
| Jasper County, TX | 29 | 6.000% | 37.0% |
| Liberty County, TX | 19 | 6.000% | 31.0% |
| Tyler County, TX | 13 | 5.750% | 18.8% |
| Montgomery County, TX | 10 | 5.750% | 33.3% |
| Chambers County, TX | 9 | Under 10 loans | 43.8% |
| Harris County, TX | 9 | Under 10 loans | 47.6% |
| Newton County, TX | 4 | Under 10 loans | 42.9% |
| Polk County, TX | 3 | Under 10 loans | 40.0% |
| San Jacinto County, TX | 2 | Under 10 loans | 0.0% |
| Angelina County, TX | 1 | Under 10 loans | 50.0% |
| Brazoria County, TX | 1 | Under 10 loans | 0.0% |
| Brazos County, TX | 1 | Under 10 loans | 0.0% |
| Franklin County, TX | 1 | Under 10 loans | 0.0% |
| Grayson County, TX | 1 | Under 10 loans | 0.0% |
| Nacogdoches County, TX | 1 | Under 10 loans | 0.0% |
| Sabine County, TX | 1 | Under 10 loans | 75.0% |
| San Augustine County, TX | 1 | Under 10 loans | 0.0% |
| Washington County, TX | 1 | Under 10 loans | 50.0% |
| Wharton County, TX | 1 | Under 10 loans | 0.0% |
| Galveston County, TX | 0 | Under 10 loans | 66.7% |
| Madison County, TX | 0 | Under 10 loans | 100.0% |
| Tarrant County, TX | 0 | Under 10 loans | 0.0% |
| Williamson County, TX | 0 | Under 10 loans | 100.0% |
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When RAVE FINANCIAL CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.