# RAVE FINANCIAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/rave-financial-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


RAVE FINANCIAL CREDIT UNION is a credit union, headquartered in Beaumont, TX, with 66 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 33% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 69% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300SWDNGYGQBG4K69
- **Headquarters:** Beaumont, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.100%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,916
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 66
- **Dollar Volume:** $15 million
- **Applications Received:** 113
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $219,848
- **Average Borrower Income:** $125,091
- **Average Property Value:** $310,909

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 45/100 | 66 | +0.100% | $1,916 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 44 loans, Score: 41/100 (Sound)
- Refinance: 22 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 37/100 | 44 | $11M | +0.173% | Acceptable 🙂 |
| Refinance | 49/100 | 22 | $4M | -0.040% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 66 | 0.02% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Beaumont | TX | 44 | 79/100 |
| Houston | TX | 14 | 48/100 |

## Where This Lender Ranks

RAVE FINANCIAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Beaumont for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/beaumont/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#17** in Beaumont for Conventional Loans
  - [View Full Rankings](https://saferate.com/beaumont/best-mortgage-lenders/conventional-loans)
- 🏆 **#18** in Beaumont
  - [View Full Rankings](https://saferate.com/beaumont/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does RAVE FINANCIAL CREDIT UNION offer?

RAVE FINANCIAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does RAVE FINANCIAL CREDIT UNION offer mortgages?

RAVE FINANCIAL CREDIT UNION offers mortgages in 1 states: TX.

### How competitive are RAVE FINANCIAL CREDIT UNION's mortgage rates?

RAVE FINANCIAL CREDIT UNION has a pricing score of 67/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.100% above market average.

### What type of lender is RAVE FINANCIAL CREDIT UNION?

RAVE FINANCIAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Beaumont, TX.

### What is RAVE FINANCIAL CREDIT UNION's loan approval success rate?

RAVE FINANCIAL CREDIT UNION has a pull-through score of 31/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/rave-financial-credit-union

### How to Cite

> "RAVE FINANCIAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/rave-financial-credit-union

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