Baxter Credit Union Mortgage Rates, Fees & Info

Vernon Hills, IL

LEI: 549300S8SHBRCI7UU819

Tax ID: 23-7250155

5 stars - Updated: 4/14/24 - out of 5 stars, based on 52 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Baxter Credit Union is a smaller credit union specializing in Home Purchase loans. Baxter Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Chicago, Minneapolis, Los Angeles, Miami, and Boston among others. We have data for 282 markets. (Some data included below & more in-depth data is available with an active subscription.)

Baxter Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Baxter Credit Union is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 5.85% 4/14/24
30 Year Conventional Purchase 6.67% 4/14/24
30 Year Conventional Refi 6.58% 4/14/24
30 Year Cash-out Refi 6.63% 4/14/24
15 Year Conventional Purchase 6.04% 4/14/24
15 Year Conventional Refi 6.10% 4/14/24
15 Year Cash-out Refi 6.10% 4/14/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Baxter Credit Union Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Baxter Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

2,752

Origination Dollar Volume (All Markets)

$526,080,000
Show all (10) awards

Relative Rate

Baxter Credit Union's average 30 year fixed mortgage rate was 6.68%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.2%.

Relative Fees (Closing Costs)

Baxter Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $5,423.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 718 $115,540,000 $160,919 $2,265 7.98%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 396 $70,680,000 $178,485 $2,268 7.68%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 113 $37,485,000 $331,726 $5,101 7.70%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 62 $17,780,000 $286,774 $3,652 7.78%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 21 $11,775,000 $560,714 $4,064 7.61%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 73 $11,345,000 $155,411 $1,936 7.94%
COLUMBUS, OH (FHA|USDA|VA) 64 $10,360,000 $161,875 $2,075 7.97%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 42 $10,070,000 $239,762 $3,545 8.04%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 41 $9,425,000 $229,878 $3,185 7.81%
Outside of Metro Areas 65 $8,725,000 $134,231 $1,626 7.93%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 35 $8,525,000 $243,571 $2,910 8.13%
Heber, UT (FHA|USDA|VA) 5 $8,295,000 $1,659,000 $11,907 7.95%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 33 $7,745,000 $234,697 $2,806 7.66%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 34 $7,680,000 $225,882 $2,967 7.74%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 31 $7,085,000 $228,548 $2,248 7.99%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 33 $6,505,000 $197,121 $2,606 7.88%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 27 $5,725,000 $212,037 $4,207 7.83%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 28 $5,530,000 $197,500 $2,817 7.77%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 23 $4,885,000 $212,391 $3,414 7.52%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 32 $4,870,000 $152,188 $1,671 8.09%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 16 $4,470,000 $279,375 $1,728 7.44%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 23 $3,825,000 $166,304 $1,864 7.48%
BLOOMINGTON, IN (FHA|USDA|VA) 28 $3,790,000 $135,357 $1,513 7.58%
ERIE, PA (FHA|USDA|VA) 1 $3,765,000 $3,765,000 $0 6.74%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 8 $3,410,000 $426,250 $1,722 8.20%
RALEIGH-CARY, NC (FHA|USDA|VA) 11 $3,355,000 $305,000 $3,645 7.44%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 26 $3,260,000 $125,385 $1,804 8.39%
KANSAS CITY, MO-KS (FHA|USDA|VA) 15 $3,235,000 $215,667 $2,594 7.53%
WORCESTER, MA-CT (FHA|USDA|VA) 13 $3,075,000 $236,538 $2,645 7.62%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 5 $3,035,000 $607,000 $3,129 7.75%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 10 $2,760,000 $276,000 $1,977 7.82%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 15 $2,715,000 $181,000 $2,608 8.05%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 14 $2,660,000 $190,000 $4,331 7.74%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 10 $2,620,000 $262,000 $4,122 7.34%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 7 $2,585,000 $369,286 $5,573 7.41%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 7 $2,185,000 $312,143 $2,139 8.57%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 7 $1,865,000 $266,429 $3,612 7.07%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 8 $1,850,000 $231,250 $2,694 7.61%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 8 $1,820,000 $227,500 $4,549 7.58%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 9 $1,795,000 $199,444 $2,592 8.38%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 4 $1,740,000 $435,000 $5,512 8.00%
JACKSONVILLE, FL (FHA|USDA|VA) 9 $1,695,000 $188,333 $4,584 7.81%
ST. LOUIS, MO-IL (FHA|USDA|VA) 11 $1,635,000 $148,636 $2,005 7.76%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 9 $1,595,000 $177,222 $1,471 7.86%
MADISON, WI (FHA|USDA|VA) 8 $1,500,000 $187,500 $2,241 7.88%
Brainerd, MN (FHA|USDA|VA) 5 $1,485,000 $297,000 $2,931 6.98%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 9 $1,475,000 $163,889 $2,121 8.26%
ASHEVILLE, NC (FHA|USDA|VA) 6 $1,440,000 $240,000 $1,536 7.72%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $1,400,000 $350,000 $6,252 7.28%
Edwards, CO (FHA|USDA|VA) 3 $1,385,000 $461,667 $1,793 8.58%
PORT ST. LUCIE, FL (FHA|USDA|VA) 7 $1,355,000 $193,571 $1,978 8.59%
SAN JUAN-BAYAMÓN-CAGUAS, PR (FHA|USDA|VA) 9 $1,335,000 $148,333 $5,637 6.67%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 13 $1,325,000 $101,923 $1,299 8.15%
Mountain Home, AR (FHA|USDA|VA) 15 $1,305,000 $87,000 $1,036 8.09%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 7 $1,295,000 $185,000 $2,580 8.18%
SALT LAKE CITY, UT (FHA|USDA|VA) 9 $1,285,000 $142,778 $1,100 8.41%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 5 $1,255,000 $251,000 $2,076 7.78%
SAVANNAH, GA (FHA|USDA|VA) 4 $1,220,000 $305,000 $2,841 7.38%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 6 $1,200,000 $200,000 $4,665 8.01%
OCALA, FL (FHA|USDA|VA) 5 $1,195,000 $239,000 $3,847 8.98%
Cleveland, MS (FHA|USDA|VA) 11 $1,165,000 $105,909 $2,873 7.50%
PROVO-OREM, UT (FHA|USDA|VA) 4 $1,150,000 $287,500 $0 7.94%
Whitewater, WI (FHA|USDA|VA) 6 $1,140,000 $190,000 $1,744 7.63%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 6 $1,120,000 $186,667 $3,020 7.33%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 6 $1,070,000 $178,333 $3,998 7.04%
RICHMOND, VA (FHA|USDA|VA) 8 $1,060,000 $132,500 $323 8.17%
TULSA, OK (FHA|USDA|VA) 4 $1,040,000 $260,000 $4,483 6.84%
Bennington, VT (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 11.00%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $985,000 $328,333 $5,760 6.71%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 6 $960,000 $160,000 $2,181 7.62%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 14 $950,000 $67,857 $311 8.72%
Columbus, NE (FHA|USDA|VA) 5 $925,000 $185,000 $1,231 7.95%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 5 $925,000 $185,000 $3,626 8.10%
DULUTH, MN-WI (FHA|USDA|VA) 12 $910,000 $75,833 $940 8.29%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $880,000 $440,000 $5,153 7.06%
RENO, NV (FHA|USDA|VA) 2 $880,000 $440,000 $4,233 6.81%
JACKSON, MS (FHA|USDA|VA) 4 $870,000 $217,500 $3,000 6.97%
GREEN BAY, WI (FHA|USDA|VA) 7 $845,000 $120,714 $1,030 8.07%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 11 $825,000 $75,000 $1,225 8.28%
APPLETON, WI (FHA|USDA|VA) 4 $810,000 $202,500 $2,461 7.72%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $810,000 $202,500 $2,919 6.81%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $785,000 $261,667 $5,315 7.04%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $780,000 $195,000 $355 7.91%
TUCSON, AZ (FHA|USDA|VA) 7 $775,000 $110,714 $1,187 8.09%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 10 $770,000 $77,000 $1,962 8.32%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $760,000 $380,000 $2,968 7.69%
COLUMBIA, SC (FHA|USDA|VA) 3 $755,000 $251,667 $3,771 7.21%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $735,000 $147,000 $1,873 8.75%
VALLEJO, CA (FHA|USDA|VA) 3 $725,000 $241,667 $2,405 7.42%
Breckenridge, CO (FHA|USDA|VA) 1 $725,000 $725,000 $3,129 7.13%
SYRACUSE, NY (FHA|USDA|VA) 2 $720,000 $360,000 $4,068 7.38%
ROCKFORD, IL (FHA|USDA|VA) 9 $715,000 $79,444 $1,463 7.79%
THE VILLAGES, FL (FHA|USDA|VA) 3 $705,000 $235,000 $3,091 7.42%
RACINE, WI (FHA|USDA|VA) 7 $685,000 $97,857 $847 7.96%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $675,000 $225,000 $2,646 7.42%
WINSTON-SALEM, NC (FHA|USDA|VA) 6 $660,000 $110,000 $1,975 7.60%
AGUADILLA-ISABELA, PR (FHA|USDA|VA) 5 $655,000 $131,000 $6,204 6.90%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $620,000 $310,000 $7,785 6.19%
EAU CLAIRE, WI (FHA|USDA|VA) 5 $615,000 $123,000 $2,634 7.45%
SAN GERMÁN, PR (FHA|USDA|VA) 4 $610,000 $152,500 $5,167 6.47%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $600,000 $300,000 $2,327 7.81%
GAINESVILLE, GA (FHA|USDA|VA) 3 $585,000 $195,000 $2,209 8.29%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $580,000 $145,000 $2,980 7.31%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $580,000 $290,000 $3,855 6.19%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 4 $570,000 $142,500 $7,576 7.19%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $565,000 $565,000 $4,531 7.25%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 3 $565,000 $188,333 $2,671 7.92%
Oak Harbor, WA (FHA|USDA|VA) 1 $555,000 $555,000 $4,321 7.13%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $550,000 $275,000 $3,975 6.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $510,000 $255,000 $4,838 7.00%
AKRON, OH (FHA|USDA|VA) 3 $505,000 $168,333 $2,266 7.63%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $495,000 $99,000 $452 8.13%
FRESNO, CA (FHA|USDA|VA) 1 $475,000 $475,000 $0 8.25%
FARGO, ND-MN (FHA|USDA|VA) 5 $475,000 $95,000 $1,537 7.60%
EL PASO, TX (FHA|USDA|VA) 1 $475,000 $475,000 $5,185 7.38%
Marion, NC (FHA|USDA|VA) 6 $460,000 $76,667 $745 8.03%
Bozeman, MT (FHA|USDA|VA) 2 $460,000 $230,000 $0 8.44%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $460,000 $230,000 $6,775 7.25%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $460,000 $230,000 $4,345 6.94%
HUNTSVILLE, AL (FHA|USDA|VA) 3 $455,000 $151,667 $6,490 8.58%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $455,000 $455,000 $0 7.00%
PITTSBURGH, PA (FHA|USDA|VA) 8 $450,000 $56,250 $1,754 8.23%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $430,000 $215,000 $2,247 7.69%
SIOUX FALLS, SD (FHA|USDA|VA) 2 $420,000 $210,000 $3,252 7.13%
PEORIA, IL (FHA|USDA|VA) 2 $420,000 $210,000 $3,589 6.25%
Key West, FL (FHA|USDA|VA) 1 $405,000 $405,000 $0 9.25%
Ruston, LA (FHA|USDA|VA) 1 $395,000 $395,000 $4,402 7.75%
MORRISTOWN, TN (FHA|USDA|VA) 2 $390,000 $195,000 $3,276 7.00%
WAUSAU-WESTON, WI (FHA|USDA|VA) 3 $385,000 $128,333 $1,639 7.63%
Farmington, MO (FHA|USDA|VA) 1 $375,000 $375,000 $2,646 6.50%
LOUISVILLE, KY (FHA|USDA|VA) 2 $360,000 $180,000 $1,863 7.63%
Jacksonville, TX (FHA|USDA|VA) 3 $355,000 $118,333 $2,399 7.33%
VISALIA, CA (FHA|USDA|VA) 3 $355,000 $118,333 $3,469 8.29%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $345,000 $345,000 $3,512 6.75%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $340,000 $85,000 $1,022 8.81%
GLENS FALLS, NY (FHA|USDA|VA) 1 $335,000 $335,000 $10,971 6.88%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $335,000 $335,000 $4,181 6.38%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $335,000 $335,000 $17,883 6.75%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $330,000 $165,000 $395 7.69%
OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $330,000 $165,000 $2,514 7.31%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $320,000 $160,000 $4,300 7.44%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $320,000 $160,000 $1,880 7.69%
JOHNSON CITY, TN (FHA|USDA|VA) 3 $315,000 $105,000 $3,384 7.50%
LANCASTER, PA (FHA|USDA|VA) 1 $305,000 $305,000 $4,936 6.63%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $305,000 $101,667 $2,075 7.75%
Scottsboro, AL (FHA|USDA|VA) 1 $305,000 $305,000 $2,897 6.63%
ROCHESTER, NY (FHA|USDA|VA) 1 $295,000 $295,000 $4,995 7.38%
BOISE CITY, ID (FHA|USDA|VA) 1 $285,000 $285,000 $4,765 7.00%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 4 $280,000 $70,000 $870 8.78%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $275,000 $275,000 $7,237 6.13%
LUBBOCK, TX (FHA|USDA|VA) 2 $270,000 $135,000 $2,340 7.69%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $270,000 $135,000 $2,929 6.50%
Ozark, AL (FHA|USDA|VA) 1 $265,000 $265,000 $5,348 5.63%
Sanford, NC (FHA|USDA|VA) 1 $255,000 $255,000 $3,339 6.88%
Stephenville, TX (FHA|USDA|VA) 1 $255,000 $255,000 $4,381 6.25%
MONROE, MI (FHA|USDA|VA) 1 $255,000 $255,000 $0 7.25%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $250,000 $125,000 $395 9.13%
AMARILLO, TX (FHA|USDA|VA) 1 $245,000 $245,000 $6,378 5.50%
KNOXVILLE, TN (FHA|USDA|VA) 3 $245,000 $81,667 $263 8.42%
Rochelle, IL (FHA|USDA|VA) 2 $240,000 $120,000 $3,292 7.13%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 3 $235,000 $78,333 $1,183 7.92%
Bedford, IN (FHA|USDA|VA) 3 $235,000 $78,333 $395 8.75%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $235,000 $235,000 $4,156 6.38%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $235,000 $78,333 $1,480 8.46%
Sonora, CA (FHA|USDA|VA) 1 $225,000 $225,000 $4,175 6.50%
Winona, MN (FHA|USDA|VA) 1 $225,000 $225,000 $3,130 6.63%
MAYAGÜEZ, PR (FHA|USDA|VA) 2 $220,000 $110,000 $6,559 6.75%
ALBUQUERQUE, NM (FHA|USDA|VA) 4 $220,000 $55,000 $348 8.03%
CHARLESTON, WV (FHA|USDA|VA) 1 $215,000 $215,000 $7,003 6.25%
DUBUQUE, IA (FHA|USDA|VA) 1 $215,000 $215,000 $3,374 7.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $215,000 $215,000 $2,388 6.13%
VALDOSTA, GA (FHA|USDA|VA) 1 $215,000 $215,000 $6,875 6.25%
BEND, OR (FHA|USDA|VA) 2 $210,000 $105,000 $0 8.25%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $205,000 $205,000 $0 9.50%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $205,000 $205,000 $0 8.25%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $205,000 $205,000 $0 7.50%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,668 7.13%
PONCE, PR (FHA|USDA|VA) 2 $190,000 $95,000 $4,829 5.69%
Mount Vernon, OH (FHA|USDA|VA) 2 $190,000 $95,000 $1,450 7.44%
Galesburg, IL (FHA|USDA|VA) 1 $185,000 $185,000 $2,417 6.63%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $185,000 $185,000 $2,511 6.63%
SANTA FE, NM (FHA|USDA|VA) 1 $175,000 $175,000 $645 6.88%
WACO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $7,808 6.88%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $175,000 $175,000 $0 7.75%
Fallon, NV (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.50%
Vidalia, GA (FHA|USDA|VA) 1 $155,000 $155,000 $4,402 6.25%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.00%
Dayton, TN (FHA|USDA|VA) 1 $155,000 $155,000 $5,537 5.50%
Athens, TN (FHA|USDA|VA) 1 $155,000 $155,000 $645 8.25%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $155,000 $155,000 $3,523 6.75%
NILES, MI (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.75%
BURLINGTON, NC (FHA|USDA|VA) 2 $150,000 $75,000 $1,929 7.81%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $145,000 $145,000 $395 10.11%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $145,000 $145,000 $2,019 5.88%
West Plains, MO (FHA|USDA|VA) 2 $140,000 $70,000 $0 8.81%
Red Wing, MN (FHA|USDA|VA) 2 $140,000 $70,000 $0 8.63%
JACKSON, TN (FHA|USDA|VA) 2 $140,000 $70,000 $395 8.63%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $135,000 $135,000 $580 8.75%
Findlay, OH (FHA|USDA|VA) 1 $135,000 $135,000 $3,309 6.00%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.25%
Union, SC (FHA|USDA|VA) 1 $135,000 $135,000 $3,467 6.63%
SPRINGFIELD, MA (FHA|USDA|VA) 3 $135,000 $45,000 $498 9.71%
Clarksdale, MS (FHA|USDA|VA) 1 $125,000 $125,000 $4,094 6.50%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $120,000 $60,000 $0 10.50%
Adrian, MI (FHA|USDA|VA) 1 $115,000 $115,000 $3,000 7.50%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $115,000 $115,000 $4,279 7.13%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $105,000 $105,000 $7,020 7.63%
Athens, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.25%
Wabash, IN (FHA|USDA|VA) 1 $105,000 $105,000 $5,740 6.88%
CLEVELAND, TN (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.00%
ANN ARBOR, MI (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.00%
FORT COLLINS, CO (FHA|USDA|VA) 1 $95,000 $95,000 $620 9.38%
MODESTO, CA (FHA|USDA|VA) 1 $95,000 $95,000 $0 12.00%
KOKOMO, IN (FHA|USDA|VA) 1 $95,000 $95,000 $2,832 7.50%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $90,000 $45,000 $355 9.00%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $90,000 $45,000 $185 9.48%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $85,000 $85,000 $395 10.16%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $85,000 $85,000 $645 8.25%
Sandpoint, ID (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.13%
GREELEY, CO (FHA|USDA|VA) 1 $85,000 $85,000 $995 8.25%
Sulphur Springs, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.63%
READING, PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.50%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $80,000 $40,000 $0 7.63%
Somerset, KY (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.50%
COLUMBIA, MO (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.25%
Willmar, MN (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.75%
ST. CLOUD, MN (FHA|USDA|VA) 1 $75,000 $75,000 $370 8.00%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.75%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.88%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $75,000 $75,000 $4,053 6.00%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $65,000 $65,000 $620 8.25%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $65,000 $65,000 $0 9.30%
HAMMOND, LA (FHA|USDA|VA) 1 $65,000 $65,000 $0 9.41%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $65,000 $65,000 $395 9.13%
MEDFORD, OR (FHA|USDA|VA) 1 $65,000 $65,000 $445 8.00%
Ardmore, OK (FHA|USDA|VA) 1 $65,000 $65,000 $3,239 7.00%
Amsterdam, NY (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.75%
Seneca, SC (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.38%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.25%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $65,000 $65,000 $0 9.61%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $60,000 $30,000 $355 9.13%
STAUNTON, VA (FHA|USDA|VA) 1 $55,000 $55,000 $395 8.38%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $55,000 $55,000 $395 9.00%
Marquette, MI (FHA|USDA|VA) 1 $55,000 $55,000 $2,571 7.75%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $55,000 $55,000 $0 10.75%
SPARTANBURG, SC (FHA|USDA|VA) 1 $55,000 $55,000 $725 8.13%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $55,000 $55,000 $795 7.38%
Fernley, NV (FHA|USDA|VA) 1 $55,000 $55,000 $695 10.25%
Moberly, MO (FHA|USDA|VA) 1 $55,000 $55,000 $395 8.25%
MIDLAND, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.50%
KANKAKEE, IL (FHA|USDA|VA) 1 $55,000 $55,000 $545 9.13%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.25%
BATON ROUGE, LA (FHA|USDA|VA) 1 $45,000 $45,000 $0 9.23%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $45,000 $45,000 $430 8.38%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.00%
TOPEKA, KS (FHA|USDA|VA) 1 $45,000 $45,000 $445 8.50%
LONGVIEW, TX (FHA|USDA|VA) 1 $45,000 $45,000 $430 8.25%
Jefferson, GA (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.25%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $45,000 $45,000 $370 8.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.13%
Richmond-Berea, KY (FHA|USDA|VA) 1 $45,000 $45,000 $0 9.00%
PUEBLO, CO (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.63%
FLINT, MI (FHA|USDA|VA) 1 $45,000 $45,000 $345 10.50%
Paris, TN (FHA|USDA|VA) 1 $45,000 $45,000 $395 7.88%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $35,000 $35,000 $445 8.50%
Cookeville, TN (FHA|USDA|VA) 1 $35,000 $35,000 $0 10.50%
KINGSTON, NY (FHA|USDA|VA) 1 $35,000 $35,000 $395 8.38%
Hutchinson, MN (FHA|USDA|VA) 1 $35,000 $35,000 $370 7.88%
UTICA-ROME, NY (FHA|USDA|VA) 1 $35,000 $35,000 $395 8.75%
Oxford, MS (FHA|USDA|VA) 1 $35,000 $35,000 $0 8.38%
Coffeyville, KS (FHA|USDA|VA) 1 $35,000 $35,000 $2,679 7.63%
Ottawa, IL (FHA|USDA|VA) 1 $35,000 $35,000 $395 8.38%
SALEM, OR (FHA|USDA|VA) 1 $25,000 $25,000 $0 8.25%
Madison, IN (FHA|USDA|VA) 1 $25,000 $25,000 $0 9.00%
Lewisburg, TN (FHA|USDA|VA) 1 $25,000 $25,000 $395 8.00%
Glenwood Springs, CO (FHA|USDA|VA) 1 $25,000 $25,000 $370 9.25%
COLUMBUS, IN (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.75%
Cullowhee, NC (FHA|USDA|VA) 1 $25,000 $25,000 $0 8.00%
Shelbyville, TN (FHA|USDA|VA) 1 $25,000 $25,000 $0 8.00%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $25,000 $25,000 $0 8.25%
Vincennes, IN (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.75%
LaGrange, GA-AL (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.75%
Baxter Credit Union's top markets include Chicago, Minneapolis, Los Angeles, Miami, and Boston among others.

Their top states include:
  • Illinois (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,869 $405,345,000 $216,878 $2,548 7.64%
    HELOC 883 $120,735,000 $136,733 n/a 8.30%

    For 2023, Baxter Credit Union's most frequently originated type of loan was Conventional, with 1,869 originations. Their 2nd most popular type was HELOC, with 883 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 1,026 $99,660,000 $97,135 $448 8.34%
    Home Purchase 794 $309,930,000 $390,340 $5,401 6.77%
    Other 575 $55,265,000 $96,113 $516 8.39%
    Cash Out Refi 318 $54,080,000 $170,063 $623 8.10%
    Refi 39 $7,145,000 $183,205 $2,356 6.89%

    For 2023, Baxter Credit Union's most frequently cited loan purpose was Home Improvement, with 1,026 originations. The 2nd most popular reason was Home Purchase, with 794 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 729 $291,485,000 $399,842 $5,423 6.68%
    10 Year 723 $65,995,000 $91,279 $422 8.25%
    20 Year 580 $57,500,000 $99,138 $580 8.39%
    15 Year 391 $36,495,000 $93,338 $818 8.12%
    5 Year 325 $70,295,000 $216,292 $0 8.26%
    Other 3 $4,125,000 $1,375,000 $1,048 11.68%
    30+ year 1 $185,000 $185,000 $0 6.00%

    For 2023, Baxter Credit Union's most frequently cited loan duration was 30 Year, with 729 originations. The 2nd most popular length was 10 Year, with 723 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,083 $105,055,000 $97,004
    $1k-2k 620 $216,640,000 $349,419
    $5k+ 81 $51,935,000 $641,173
    $2k-3k 31 $8,775,000 $283,065
    $3k-4k 27 $7,005,000 $259,444
    $4k-5k 17 $5,415,000 $318,529

    Baxter Credit Union's average total fees were $5,423, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,083 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 1,195 $119,665,000 $100,138
    7-8% 801 $134,265,000 $167,622
    6-7% 638 $209,030,000 $327,633
    5-6% 113 $60,645,000 $536,681
    4-5% 4 $2,350,000 $587,500
    3-4% 1 $125,000 $125,000

    During 2023, Baxter Credit Union's average interest rate for loans was 6.68%, while their most frequently originated rate bucket for loans was Over 8%, with 1,195 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,311 $73,105,000 $55,763 $506 8.37%
    $100k-200k 605 $80,945,000 $133,793 $1,864 7.86%
    $200k-400k 518 $144,450,000 $278,861 $4,119 7.20%
    $400k-600k 183 $87,535,000 $478,333 $5,819 6.79%
    $600k-1MM 93 $67,755,000 $728,548 $8,352 6.60%
    $1MM+ 42 $72,290,000 $1,721,190 $11,876 6.80%

    2023 saw Baxter Credit Union place emphasis on $100,000 or less loans with 1,311 originations, totaling $73,105,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 787 $161,905,000 $205,724 $2,762 7.78%
    $100k-150k 739 $103,385,000 $139,899 $2,008 7.93%
    $250k+ 393 $171,435,000 $436,221 $5,129 7.68%
    $75k-100k 379 $40,645,000 $107,243 $1,744 7.95%
    $50k-75k 302 $25,770,000 $85,331 $1,659 8.03%
    $50k or less 106 $7,460,000 $70,377 $2,333 7.75%

    Baxter Credit Union lent most frequently to those with incomes in the $150k-250k range, with 787 originations. The second most popular income band? $100k-150k, with 739 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 509 $93,565,000 $183,821 $2,818 7.52%
    30-36% 507 $110,085,000 $217,130 $3,049 7.68%
    49% 242 $37,480,000 $154,876 $1,456 8.47%
    48% 144 $19,760,000 $137,222 $1,454 8.28%
    <20% 132 $24,550,000 $185,985 $3,454 7.57%
    47% 132 $22,320,000 $169,091 $2,198 8.10%
    44% 111 $23,595,000 $212,568 $2,840 7.78%
    42% 109 $19,585,000 $179,679 $2,369 8.00%
    43% 105 $25,365,000 $241,571 $2,873 7.91%
    37% 103 $15,905,000 $154,417 $2,249 8.05%
    46% 101 $14,085,000 $139,455 $1,696 8.08%
    45% 99 $16,665,000 $168,333 $2,184 7.96%
    39% 93 $16,985,000 $182,634 $2,425 7.89%
    36% 89 $20,095,000 $225,787 $2,384 7.82%
    38% 89 $17,255,000 $193,876 $2,811 7.72%
    41% 87 $20,235,000 $232,586 $3,202 7.78%
    40% 83 $16,485,000 $198,614 $2,842 7.88%
    50-60% 6 $1,510,000 $251,667 $2,389 7.38%
    >60% 3 $225,000 $75,000 $0 9.60%

    Baxter Credit Union lent most frequently to those with DTI ratios of 20-30%, with 509 originations. The next most common DTI ratio? 30-36%, with 507 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,769 $309,455,000 $174,932 $2,478 7.84%
    Not provided 609 $132,315,000 $217,266 $2,530 7.81%
    Asian 182 $43,490,000 $238,956 $3,406 7.86%
    Black 156 $25,930,000 $166,218 $2,414 8.24%
    Not applicable 7 $10,255,000 $1,465,000 $0 6.10%
    American Indian 20 $2,830,000 $141,500 $2,451 7.68%
    Native Hawaiian or Islander 5 $1,155,000 $231,000 $2,295 7.08%
    Asian Indian 1 $435,000 $435,000 $12,539 6.13%
    Filipino 1 $105,000 $105,000 $0 9.24%
    Other Asian 1 $55,000 $55,000 $0 7.50%
    Other Pacific Islander 1 $55,000 $55,000 $355 8.13%

    Approval Rates

    Total approvals of all applications
    81.37%

    Baxter Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    65.01%

    Baxter Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,752 $526,080,000 $191,163

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,752 $526,080,000 $191,163

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 626 $80,940,000 $129,297 $721 8.26%
    40-60% 166 $49,490,000 $298,133 $3,471 7.44%
    60-80% 323 $139,605,000 $432,214 $5,406 6.86%
    80-100% 420 $168,340,000 $400,810 $5,487 6.69%
    Over 100% 1 $55,000 $55,000 $918 4.25%
    Under 20% 1,214 $87,290,000 $71,903 $353 8.36%