Baxter Credit Union Mortgage Rates, Fees & Info
Vernon Hills, ILLEI: 549300S8SHBRCI7UU819
Tax ID: 23-7250155
5 stars - Updated: 4/5/25
-
out of 5 stars, based on 53 reviews
Latest/2024 | 2023 Data | 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 302 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 a low 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 about average 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) | 4.97% | 4/5/25 |
| 30 Year Conventional Purchase | 6.77% | 4/5/25 |
| 30 Year Conventional Refi | 6.71% | 4/5/25 |
| 30 Year Cash-out Refi | 6.62% | 4/5/25 |
| 15 Year Conventional Purchase | 6.11% | 4/5/25 |
| 15 Year Conventional Refi | 6.55% | 4/5/25 |
| 15 Year Cash-out Refi | 6.55% | 4/5/25 |
| 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
2,812Origination Dollar Volume (All Markets)
$639,990,000Awards
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Baxter Credit Union - 2024
Baxter Credit Union is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Baxter Credit Union's average 30 year fixed mortgage rate was
6.62%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.07%.
Relative Fees (Closing Costs)
Baxter Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,185.
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 $8,356.
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) | 802 | $148,970,000 | $185,748 | $2,666 | 7.99% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 381 | $93,905,000 | $246,470 | $3,277 | 7.60% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 117 | $39,875,000 | $340,812 | $4,498 | 8.02% |
| Outside of Metro Areas | 104 | $22,030,000 | $211,827 | $2,700 | 7.69% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 43 | $18,335,000 | $426,395 | $4,951 | 7.73% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 41 | $16,045,000 | $391,341 | $3,405 | 7.79% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 45 | $12,495,000 | $277,667 | $2,547 | 7.88% |
| SAN JUAN-BAYAMÓN-CAGUAS, PR (FHA|USDA|VA) | 7 | $11,895,000 | $1,699,286 | $20,557 | 6.52% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 37 | $11,405,000 | $308,243 | $3,222 | 7.70% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 53 | $9,285,000 | $175,189 | $2,974 | 7.98% |
| COLUMBUS, OH (FHA|USDA|VA) | 51 | $9,175,000 | $179,902 | $2,217 | 8.11% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 34 | $8,240,000 | $242,353 | $3,655 | 8.19% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 11 | $6,885,000 | $625,909 | $4,357 | 7.07% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 18 | $6,850,000 | $380,556 | $7,200 | 7.70% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 23 | $6,195,000 | $269,348 | $4,139 | 7.13% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 39 | $6,185,000 | $158,590 | $1,972 | 8.26% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 24 | $5,910,000 | $246,250 | $3,334 | 7.77% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 27 | $5,595,000 | $207,222 | $3,219 | 8.15% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 16 | $5,420,000 | $338,750 | $4,026 | 7.53% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 15 | $5,105,000 | $340,333 | $4,152 | 7.74% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 27 | $5,075,000 | $187,963 | $2,247 | 8.09% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 30 | $5,030,000 | $167,667 | $1,252 | 8.43% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 15 | $4,925,000 | $328,333 | $2,897 | 6.81% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 29 | $4,505,000 | $155,345 | $2,077 | 8.11% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 16 | $3,930,000 | $245,625 | $4,544 | 8.09% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 12 | $3,890,000 | $324,167 | $5,083 | 7.72% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 22 | $3,790,000 | $172,273 | $2,277 | 8.57% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 11 | $3,785,000 | $344,091 | $4,357 | 8.07% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 2 | $3,330,000 | $1,665,000 | $10,750 | 6.88% |
| Whitewater, WI (FHA|USDA|VA) | 7 | $3,305,000 | $472,143 | $3,058 | 7.11% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 15 | $3,165,000 | $211,000 | $2,414 | 7.45% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 9 | $3,095,000 | $343,889 | $4,419 | 7.31% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 16 | $2,970,000 | $185,625 | $2,701 | 7.47% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 19 | $2,925,000 | $153,947 | $2,630 | 8.15% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 13 | $2,785,000 | $214,231 | $2,625 | 8.61% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 10 | $2,770,000 | $277,000 | $3,357 | 7.71% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 18 | $2,550,000 | $141,667 | $1,979 | 7.56% |
| ROCHESTER, MN (FHA|USDA|VA) | 3 | $2,455,000 | $818,333 | $5,070 | 7.33% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $2,385,000 | $477,000 | $9,228 | 7.53% |
| Brainerd, MN (FHA|USDA|VA) | 6 | $2,320,000 | $386,667 | $4,630 | 7.13% |
| ASHEVILLE, NC (FHA|USDA|VA) | 5 | $2,205,000 | $441,000 | $3,946 | 7.18% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 13 | $2,175,000 | $167,308 | $2,403 | 8.53% |
| PITTSBURGH, PA (FHA|USDA|VA) | 14 | $2,160,000 | $154,286 | $3,616 | 7.77% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 9 | $2,115,000 | $235,000 | $3,548 | 7.85% |
| DULUTH, MN-WI (FHA|USDA|VA) | 14 | $2,080,000 | $148,571 | $2,137 | 7.72% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 13 | $2,045,000 | $157,308 | $2,491 | 7.69% |
| ST. CLOUD, MN (FHA|USDA|VA) | 4 | $1,850,000 | $462,500 | $3,998 | 6.53% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $1,795,000 | $598,333 | $8,595 | 7.04% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 7 | $1,765,000 | $252,143 | $2,949 | 7.29% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4 | $1,730,000 | $432,500 | $5,128 | 7.13% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 8 | $1,720,000 | $215,000 | $3,517 | 7.17% |
| RENO, NV (FHA|USDA|VA) | 3 | $1,685,000 | $561,667 | $5,329 | 7.13% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $1,615,000 | $323,000 | $3,617 | 6.98% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 7 | $1,605,000 | $229,286 | $3,749 | 8.09% |
| MADISON, WI (FHA|USDA|VA) | 5 | $1,515,000 | $303,000 | $2,666 | 7.80% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 6 | $1,490,000 | $248,333 | $8,057 | 7.21% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 6 | $1,490,000 | $248,333 | $3,216 | 7.08% |
| NILES, MI (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $3,963 | 6.80% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 4 | $1,450,000 | $362,500 | $3,545 | 6.84% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $1,445,000 | $1,445,000 | $4,449 | 5.88% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 5 | $1,435,000 | $287,000 | $2,549 | 7.30% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 6 | $1,300,000 | $216,667 | $2,459 | 8.04% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 7 | $1,275,000 | $182,143 | $1,581 | 7.71% |
| PROVO-OREM, UT (FHA|USDA|VA) | 7 | $1,275,000 | $182,143 | $5,076 | 8.04% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $4,571 | 7.28% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $1,225,000 | $1,225,000 | $5,333 | 5.50% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $8,798 | 6.97% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $2,665 | 7.33% |
| SAVANNAH, GA (FHA|USDA|VA) | 9 | $1,195,000 | $132,778 | $1,573 | 7.92% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $2,371 | 7.79% |
| AGUADILLA-ISABELA, PR (FHA|USDA|VA) | 7 | $1,135,000 | $162,143 | $5,224 | 7.48% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 9 | $1,075,000 | $119,444 | $1,484 | 8.53% |
| RICHMOND, VA (FHA|USDA|VA) | 7 | $1,065,000 | $152,143 | $2,353 | 7.63% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 6 | $980,000 | $163,333 | $3,600 | 7.86% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $4,292 | 5.88% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $4,706 | 7.28% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 8 | $920,000 | $115,000 | $2,487 | 8.17% |
| WILMINGTON, NC (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $2,227 | 7.81% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 10 | $900,000 | $90,000 | $1,163 | 8.43% |
| GREEN BAY, WI (FHA|USDA|VA) | 9 | $885,000 | $98,333 | $1,830 | 7.65% |
| Key West, FL (FHA|USDA|VA) | 1 | $875,000 | $875,000 | $7,363 | 6.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $7,675 | 8.04% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $1,549 | 7.75% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $2,729 | 7.71% |
| Mountain Home, AR (FHA|USDA|VA) | 11 | $815,000 | $74,091 | $1,481 | 8.08% |
| Cleveland, MS (FHA|USDA|VA) | 7 | $805,000 | $115,000 | $2,728 | 7.04% |
| RACINE, WI (FHA|USDA|VA) | 8 | $800,000 | $100,000 | $2,754 | 7.70% |
| AKRON, OH (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $1,435 | 8.24% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $715,000 | $143,000 | $1,622 | 8.70% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 7 | $695,000 | $99,286 | $1,587 | 8.00% |
| LYNCHBURG, VA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $3,701 | 7.38% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $4,884 | 6.56% |
| PEORIA, IL (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $2,154 | 7.42% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $3,379 | 7.31% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $2,576 | 7.71% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $3,053 | 6.81% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $2,260 | 6.71% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 5 | $625,000 | $125,000 | $2,816 | 8.36% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $1,881 | 7.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $2,243 | 8.44% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $4,909 | 7.38% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 8.25% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $3,232 | 6.00% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $7,167 | 6.25% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $3,007 | 7.41% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $1,653 | 8.16% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $9,503 | 5.88% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $5,289 | 6.75% |
| TULSA, OK (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $8,230 | 7.19% |
| MANKATO, MN (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $6,501 | 7.31% |
| Seneca, SC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,608 | 7.00% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $6,065 | 7.00% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,331 | 7.13% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $5,360 | 6.38% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $3,816 | 6.75% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,602 | 6.56% |
| JACKSON, MS (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $2,315 | 8.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $2,930 | 7.04% |
| Alexandria, MN (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,948 | 7.19% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $9,729 | 6.25% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,130 | 6.75% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,854 | 6.88% |
| APPLETON, WI (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $1,684 | 8.01% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $5,353 | 7.00% |
| Fremont, NE (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,250 | 6.38% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $0 | 8.13% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,988 | 7.25% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,080 | 6.56% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,876 | 8.69% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $5,517 | 7.00% |
| Brookings, SD (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,581 | 6.50% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,974 | 6.63% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,117 | 6.50% |
| Baraboo, WI (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,982 | 6.88% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,187 | 7.69% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,561 | 6.94% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $3,173 | 7.46% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,317 | 7.13% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,167 | 7.56% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,407 | 6.25% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $697 | 9.00% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,748 | 7.75% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 4 | $390,000 | $97,500 | $776 | 9.03% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $630 | 8.46% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,128 | 6.88% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,095 | 6.25% |
| Georgetown, SC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,111 | 7.06% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,757 | 7.44% |
| Durango, CO (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,136 | 6.25% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,217 | 6.63% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,294 | 6.63% |
| Marion, NC (FHA|USDA|VA) | 7 | $365,000 | $52,143 | $1,073 | 8.27% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,828 | 6.38% |
| Warsaw, IN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,816 | 7.38% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,185 | 9.13% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $360,000 | $90,000 | $2,167 | 7.88% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,344 | 7.00% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,712 | 6.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,152 | 7.13% |
| Sturgis, MI (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $1,927 | 8.88% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,918 | 9.38% |
| FORT WAYNE, IN (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $1,793 | 7.79% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $2,700 | 8.05% |
| STAUNTON, VA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,311 | 7.44% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,415 | 7.75% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,968 | 6.75% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,391 | 6.69% |
| SAN GERMÁN, PR (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,268 | 6.94% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 8.38% |
| TOLEDO, OH (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $1,890 | 8.33% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 5 | $315,000 | $63,000 | $1,957 | 8.33% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,414 | 6.50% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,604 | 6.38% |
| Helena, MT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 7.25% |
| West Plains, MO (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $1,641 | 8.13% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,104 | 6.75% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 8.00% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,077 | 6.81% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,102 | 6.88% |
| Richmond-Berea, KY (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $645 | 8.44% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,921 | 6.88% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,623 | 6.00% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,641 | 6.88% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,363 | 6.25% |
| PONCE, PR (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,552 | 6.63% |
| Blytheville, AR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,345 | 6.88% |
| FLINT, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,920 | 5.75% |
| DALTON, GA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,967 | 7.25% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,130 | 8.63% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,662 | 6.31% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,391 | 6.88% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,516 | 6.88% |
| Heber, UT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $720 | 9.25% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,342 | 6.50% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,767 | 6.63% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,633 | 5.88% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $1,606 | 8.62% |
| Fairmont, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,676 | 6.88% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 8.25% |
| Willmar, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,505 | 5.88% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 7.75% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,732 | 7.50% |
| JACKSON, TN (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $2,210 | 7.42% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,514 | 6.88% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,275 | 6.38% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 8.00% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $645 | 8.88% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,498 | 6.75% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,253 | 7.25% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,126 | 7.69% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,212 | 4.50% |
| Platteville, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,639 | 7.00% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $645 | 8.63% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $720 | 9.19% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,267 | 7.00% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 8.63% |
| MAYAGÜEZ, PR (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $4,946 | 7.25% |
| Huntingdon, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,917 | 7.13% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,301 | 6.63% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,949 | 6.63% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 9.75% |
| SYRACUSE, NY (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $670 | 7.92% |
| London, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,467 | 5.75% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $645 | 7.88% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 8.13% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.75% |
| Somerset, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,241 | 6.00% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $630 | 8.25% |
| Greeneville, TN (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 8.50% |
| Hudson, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $800 | 8.50% |
| Clarksdale, MS (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $4,010 | 7.63% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $830 | 8.56% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $745 | 8.25% |
| Forest City, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $870 | 9.13% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,189 | 6.25% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $630 | 8.63% |
| Arecibo, PR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,499 | 7.13% |
| Outside of Metro Areas | 2 | $120,000 | $60,000 | $645 | 8.25% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $670 | 8.50% |
| Columbus, NE (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $695 | 8.63% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 8.25% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.75% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.75% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $645 | 8.88% |
| Parsons, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,279 | 6.25% |
| Auburn, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.00% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $645 | 8.88% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.75% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $645 | 8.75% |
| Vidalia, GA (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $745 | 10.42% |
| Greenville, MS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,674 | 6.63% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 8.50% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 8.25% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.25% |
| Oneonta, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $645 | 10.02% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $830 | 9.88% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $645 | 9.25% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $745 | 9.00% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.75% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.50% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $670 | 9.92% |
| Cullman, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $670 | 7.75% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $645 | 9.63% |
| Jackson, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 11.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $705 | 8.13% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $645 | 9.95% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.50% |
| Brevard, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.75% |
| Sanford, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $895 | 9.97% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $645 | 7.88% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $645 | 9.25% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.25% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $60,000 | $30,000 | $618 | 9.25% |
| READING, PA (FHA|USDA|VA) | 2 | $60,000 | $30,000 | $670 | 7.88% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $630 | 9.50% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.25% |
| Dublin, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $830 | 8.88% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.75% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,241 | 7.00% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $645 | 8.25% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $645 | 8.75% |
| Minot, ND (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $645 | 7.75% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $645 | 10.38% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $645 | 8.00% |
| Dickinson, ND (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $745 | 9.13% |
| Centralia, IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $570 | 9.57% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.75% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.75% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $645 | 8.50% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.25% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.50% |
| Union City, TN (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,125 | 9.30% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.00% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $645 | 8.38% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $630 | 9.36% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 10.25% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.50% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.25% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 7.75% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $670 | 8.88% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $895 | 8.75% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.25% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,805 | $502,775,000 | $278,546 | $3,099 | 7.52% |
| HELOC | 1,007 | $137,215,000 | $136,261 | n/a | 8.40% |
For 2024, Baxter Credit Union's most frequently originated type of loan was Conventional, with 1,805 originations. Their 2nd most popular type was HELOC, with 1,007 originations.
Loan Reason
For 2024, Baxter Credit Union's most frequently cited loan purpose was Home Improvement, with 893 originations. The 2nd most popular reason was Home Purchase, with 869 originations.
Loan Duration/Length
For 2024, Baxter Credit Union's most frequently cited loan duration was 30 Year, with 870 originations. The 2nd most popular length was 10 Year, with 798 originations.
Origination Fees/Closing Costs
Baxter Credit Union's average total fees were $5,185, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 857 originations.
Interest Rates
During 2024, Baxter Credit Union's average interest rate for loans was 6.62%, while their most frequently originated rate bucket for loans was Over 8%, with 1,305 originations.
Loan Sizing
2024 saw Baxter Credit Union place emphasis on $100,000 or less loans with 1,083 originations, totaling $62,645,000 in origination value.
Applicant Income
Baxter Credit Union lent most frequently to those with incomes in the $150k-250k range, with 834 originations. The second most popular income band? $100k-150k, with 731 originations.
Applicant Debt to Income Ratio
Baxter Credit Union lent most frequently to those with DTI ratios of 20-30%, with 516 originations. The next most common DTI ratio? 30-36%, with 460 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.13%
Baxter Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination67.35%
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 | 2,812 | $639,990,000 | $227,592 |