Rave Financial Credit Union in Texas vs the state
31.6%Denial rate+12.15 pts vs state
33.2%Decision denial rate+8.28 pts vs state
56.1%Origination rate+1.26 pts vs state
5.88%Median rate-0.63 pts vs state
-0.30Rate spread (pts)-0.49 pts vs state
$98kMedian applicant income
256Loans originated
144Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 477 | 231 | 37.1% | 6.00% | #259 |
| 2024 | 400 | 204 | 34.5% | 6.50% | #281 |
| 2025 | 456 | 256 | 31.6% | 5.88% | #279 |
What Rave Financial Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Rave Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 144 | 80 | 47 | 32.6% |
| Hardin County | 72 | 38 | 17 | 23.6% |
| Jasper County | 55 | 29 | 20 | 36.4% |
| Orange County | 44 | 30 | 10 | 22.7% |
| Liberty County | 30 | 19 | 9 | 30.0% |
| Harris County | 21 | 9 | 10 | 47.6% |
| Montgomery County | 19 | 10 | 6 | 31.6% |
| Tyler County | 16 | 13 | 3 | 18.8% |
| Chambers County | 16 | 9 | 7 | 43.8% |
| Newton County | 7 | 4 | 3 | 42.9% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 456 applications in 2025, of which 256 were originated and 144 denied.
31.6% of all applications, or 33.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Rave Financial Credit Union originated in Texas in 2025 was 5.88%, against a statewide median of 6.50%.
About this data. Figures are Rave Financial Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology