Licenses

State Name #
AlaskaMortgage Broker/Lender LicenseAK2042345
AK2042345-1
AlabamaMortgage Broker License23100
Arizona*Mortgage Banker LicenseBK-1031386
ArkansasCombination Mortgage Banker-Broker-Servicer License128312
California*Residential Mortgage Lending Act License
Real Estate Corporation License		41DFPI-206655
2128983
ColoradoMortgage Company Registration2042345
ConnecticutMortgage Lender LicenseML-2042345
DelawareBroker License37610
FloridaMortgage Lender Servicer LicenseMLD2173
GeorgiaGeorgia Residential Mortgage Licensee2042345
IdahoMortgage Broker/Lender LicenseMBL-2082042345
Illinois*Residential Mortgage LicenseMB.6761669
IowaMortgage Banker License2022-0021
KansasMortgage Company LicenseMC.0025820
KentuckyMortgage Company LicenseMC778783
LouisianaResidential Mortgage Lending License2042345
MaineSupervised Lender License
UCCC Notification		2042345
Maryland*Mortgage Lender License2042345
Michigan1st Mortgage Broker/Lender/Servicer License
2nd Mortgage Broker/Lender/Servicer Registration		FL0024301
SR0024302
MinnesotaResidential Mortgage Originator LicenseMN-MO-2042345
MN-MO-2042345-1
MississippiMortgage Lender License2042345
MontanaMontana Mortgage Broker License
Mortgage Servicer License		2042345
NebraskaMortgage Banker License2042345
North CarolinaMortgage Broker License

Mortgage Servicer License		B-212962

S-213831
North DakotaMoney Broker LicenseMB104010
New HampshireMortgage Banker License24743-MB
New Jersey*Residential Mortgage Broker License
Mortgage Servicer License		2042345
New MexicoMortgage Loan Company License
Small Loan Company License		2042345
2466 (View PDF)
OhioResidential Mortgage Lending Act Certificate of RegistrationRM.804904.000
OklahomaMortgage Lending License
Supervised Lending License		ML014577
SL008947
OregonMortgage Lender License
Mortgage Servicer License		2042345
PennsylvaniaMortgage Broker License
Mortgage Servicer License		100041
100042
Rhode IslandLoan Broker License
Third Party Loan Servicer License		20224490LB
20224408LS
South CarolinaDCA Mortgage Broker License2042345
South DakotaMortgage Lender License2042345.ML
TennesseeTennessee Mortgage License2042345
Texas*Mortgage Company License
Residential Mortgage Loan Servicer Registration
Regulated Loan Act License		2042345
VermontMortgage Broker License
Loan Servicer License		MB-2042345 and MB-2042345-1
LS-2042345 and LS-2042345-1
VirginiaMortgage Broker LicenseMC-7499
WashingtonConsumer Loan Company LicenseCL-2042345
Washington DCMortgage Dual Authority LicenseMLB2042345
West VirginiaMortgage Broker License
Mortgage Lender License
CSO Registration
Collection Agency License		MB-2042345
ML-2042345
WisconsinMortgage Broker License
Mortgage Banker License
Consumer Act Registration		2042345BR
2042345BA
WyomingMortgage Broker License
Consumer Lender License		4472
CL-4770

For licensing information, go to www.nmlsconsumeraccess.org.

Aven accounts are arranged by Aven Financial, Inc., dba "Aven" (or "AvenCard" in AR, ID, and PA). NMLS #2042345. See aven.com/licenses for licensing info.

Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289 (NMLS Consumer Access Page). For additional information or complaints to Coastal Community Bank, visit www.federalreserveconsumerhelp.gov. For more information, you can also visit Coastal Community Bank’s privacy policy.

Arizona – 16810 Avenue of the Fountains, Suite 221, Fountain Hills, AZ 85268

California – Aven Financial, Inc. is a real estate broker licensed by the California Department of Real Estate. License #02128983. Responsible broker Anthony Smernes, Jr., license #00477863.

Illinois – Department of Financial and Professional Regulation

Maryland – Licensed as a Mortgage Lender by the Commissioner of Financial Regulation No. 2042345

New Jersey – Aven Financial, dba Aven, NMLS ID #2042345 (www.nmlsconsumeraccess.org). 548 Market St. #99955, San Francisco CA 94104. 888-966-4655. Licensed by the N.J. Department of Banking and Insurance. Aven arranges first and second mortgage loans with third-party provider Coastal Community Bank.

Texas – TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.

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© 2026 Aven

  1. The annual percentage rate (“APR”) is the cost of credit as a yearly rate and does not include costs other than interest. The APR is a variable rate based on the Wall Street Journal prime rate (“Index”) published by the Wall Street Journal in its Money Rates section. The WSJ Prime Rate as of Sep 22nd, 2026 EST is 7.00%. Your initial APR is based on a margin, determined by your creditworthiness when you open your account, plus the Index at the time of application. Your APR is subject to change as allowed by applicable law. Best rates available only to the highest-qualified borrowers. The maximum APR will not exceed 18% during the life of your account. Cash Out (draw to bank account) fee and Balance Transfer fee is 2.5% of amount transferred. This fee is subject to change. The county where your property is located may charge recording fees. If your line is greater than $25,000, you are responsible for paying these costs. These costs will be placed in a 12-month interest free, fixed term loan and be part of your Minimum Payment Due.

    Your applicable APR assumes a 0.25 percentage point discount for enrolling in AutoPay within 25 days after account opening and then staying enrolled. You are not required to enroll in AutoPay. See AutoPay Terms & Conditions for more details and restrictions.

    You will earn 2 Points per $1 spent on Net Eligible Purchases (with AutoPay on). If AutoPay is off, you will earn 1.5 Points per $1 spent on Net Eligible Purchases

    For more details on your cash back, see Cash Back Terms & Conditions. Some restrictions apply.

    If you opened a HELOC or HELOAN on or after January 1, 2023, or received a fully underwritten HELOC or HELOAN offer within the last 30 days, we’ll beat your APR or give you $250. Offer subject to verification and approval. 700+ FICO required. Restrictions apply. See HELOC Rate Guarantee Terms and Conditions.

    If you have an existing second lien (“Second Lien”) on your subject property, you acknowledge and agree that we may transfer your application to our refinance product (subject in all cases to credit approval). The refinance product may have different terms and conditions than the initial product you applied for. Please review the Early HELOC Disclosure for more information.

  2. Our APR is 6.74-14.99% for primary residences. The average for other cards in the US for people with good credit is over 23% APR. Source: "Average Credit Card Interest Rates" wallethub.com on Jul 14, 2025 showing the average rate for credit cards in the US for people with good credit is 23.90% APR.

    These comparison charts use the midpoint of each card's APR range. Aven's midpoint as of Oct 11, 2026 is 10.87%. Sources: Capital One Platinum, Chase Freedom, Bank of America Cash Rewards Card.

  3. Source: "Home Equity Loan Rates". Source: "How Long Do I Need to Wait for a Home Equity Line?". Source: "Average Credit Card Limit". Source: "What's a Good Personal Loan Interest Rate?". Source: "Personal Loan Statistics". Source: "Credit Card Fee Study: What's Normal and What's Not?". Source: "What to know about personal loan origination fees".

  4. Our fixed monthly payment option (Aven Simple Loan) is available based on your Var APR plus fees not exceeding the High Cost Mortgage threshold set by law. Your rate will not increase while the Aven Simple Loan plan is open.

  5. Amount of 'Interest Saved' is calculated as follows:

    For revolving plans – (1) for each month, we determine interest savings by multiplying (a) our current revolving balances by (b) our balance-weighted average APR minus the average interest rate on credit card plans and (c) then dividing by 12; (2) we then sum up the interest savings over all months since the company's launch. The source of the average interest rate on credit card plans comes from FRED.

    For fixed rate plans – (1) for each month, we determine the interest savings by multiplying (a) our current fixed rate balances by (b) our balance-weighted average APR minus the average interest rate for 5 year fixed personal loans and (c) then dividing by 12; (2) we then sum up the interest savings over all months since the company's launch. The source of the average interest rate on personal loans comes from Credible

    We then sum up the cumulative savings for both revolving and fixed rate plans.

Subject to Credit Approval, including use of data reports from Experian, Equifax and Transunion. Limit of one Account per property. Certain terms and conditions may apply. Terms may vary by applicant and are subject to change. Availability limited to certain states. See aven.com/licenses for more details. Not available for multi-unit homes. Requires a lien on your property. Flood insurance may be required if your property is located in a flood zone. Not available for home purchase. If you have an existing second lien (“Second Lien”) on your subject property, you acknowledge and agree that we may transfer your application to our refinance product (subject in all cases to credit approval). The refinance product may have different terms and conditions than the initial product you applied for. Please review the Early HELOC Disclosure for more information.

Notice about use of English. Para Español, consulte este documento.

Aven accounts are arranged by Aven Financial, Inc., dba "Aven" (or "AvenCard" in AR, ID, and PA). NMLS #2042345. See aven.com/licenses for licensing info.

Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289 (NMLS Consumer Access Page). For additional information or complaints to Coastal Community Bank, visit www.federalreserveconsumerhelp.gov. For more information, you can also visit Coastal Community Bank’s privacy policy.

For licensing information, go to www.nmlsconsumeraccess.org

All product names, logos, and brands (Apple, Google Play, X, etc.) are property of their respective owners. All company, product, and service names used on this website are for identification purposes only. Use of these names, trademarks, and brands does not imply endorsement.

Aven
548 Market St #99555
San Francisco, California 94104-5401
USA

support@aven.com

Equal Housing OpportunityPCI Compliant