Baxter Credit Union Mortgage Rates, Fees & Info

Vernon Hills, IL

LEI: 549300S8SHBRCI7UU819

Tax ID: 23-7250155

5 stars - out of 5 stars, based on 80 reviews

2020 Data | 2019 Data | 2018 Data


Overview

Baxter Credit Union is a small credit union specializing in Refi and Home Purchase loans. Baxter Credit Union has a high proportion of conventional loans. Their top markets include Minneapolis, Chicago, Anaheim, Lake County, and Columbus among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Baxter Credit Union is typically an average fee lendor.


Originations

6,322

Origination Dollar Volume (All Markets)

$1,705,630,000
Show all (19) awards

Relative Rate

Baxter Credit Union's average 30 year fixed rate mortgage of loans were 3.2%.

The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.

This yields a difference of -0.16%.

Relative Fees

Baxter Credit Union's average total fees for a 30 year fixed rate mortgage are $3,491.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1,548 $416,520,000 $269,070 $2,769 3.29%
CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) 807 $191,985,000 $237,900 $2,631 3.34%
ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) 294 $153,870,000 $523,367 $4,649 3.27%
LAKE COUNTY-KENOSHA COUNTY, IL-WI (FHA|USDA|VA) 671 $153,455,000 $228,696 $2,458 3.31%
Outside of Metro Areas 339 $64,215,000 $189,425 $2,593 3.45%
COLUMBUS, OH (FHA|USDA|VA) 209 $48,965,000 $234,282 $2,491 3.46%
LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) 113 $48,405,000 $428,363 $3,122 3.43%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 99 $27,585,000 $278,636 $2,960 3.51%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 106 $22,340,000 $210,755 $2,546 3.53%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 75 $22,265,000 $296,867 $2,920 3.28%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA (FHA|USDA|VA) 60 $22,080,000 $368,000 $3,116 3.22%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 40 $16,120,000 $403,000 $3,450 3.23%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 51 $15,555,000 $305,000 $2,384 3.32%
OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) 26 $15,370,000 $591,154 $3,260 3.03%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 47 $15,345,000 $326,489 $3,307 3.47%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 18 $13,710,000 $761,667 $3,744 2.95%
BOSTON, MA (FHA|USDA|VA) 25 $13,625,000 $545,000 $3,296 3.06%
WORCESTER, MA-CT (FHA|USDA|VA) 45 $13,135,000 $291,889 $2,995 3.11%
MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) 52 $13,130,000 $252,500 $3,793 3.40%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 54 $12,880,000 $238,519 $2,630 3.38%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 46 $12,560,000 $273,043 $2,702 3.31%
BLOOMINGTON, IN (FHA|USDA|VA) 65 $11,605,000 $178,538 $2,212 3.54%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) 35 $10,045,000 $287,000 $4,454 3.20%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 39 $9,965,000 $255,513 $2,491 3.18%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 51 $9,635,000 $188,922 $2,673 3.79%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ (FHA|USDA|VA) 26 $9,430,000 $362,692 $5,498 3.48%
ELGIN, IL (FHA|USDA|VA) 49 $9,395,000 $191,735 $2,575 3.28%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) 32 $9,360,000 $292,500 $2,552 3.38%
DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) 27 $8,435,000 $312,407 $3,909 3.40%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 35 $7,905,000 $225,857 $3,134 3.43%
SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) 15 $7,825,000 $521,667 $2,960 3.04%
RALEIGH-CARY, NC (FHA|USDA|VA) 28 $7,430,000 $265,357 $2,770 3.21%
NEW BRUNSWICK-LAKEWOOD, NJ (FHA|USDA|VA) 26 $7,110,000 $273,462 $4,005 3.30%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 27 $7,025,000 $260,185 $3,931 3.00%
SALT LAKE CITY, UT (FHA|USDA|VA) 25 $6,815,000 $272,600 $3,008 3.62%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 30 $6,520,000 $217,333 $2,061 3.22%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 15 $5,285,000 $352,333 $2,506 3.13%
KANSAS CITY, MO-KS (FHA|USDA|VA) 24 $5,160,000 $215,000 $2,078 3.77%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 24 $5,030,000 $209,583 $3,643 3.38%
NEWARK, NJ-PA (FHA|USDA|VA) 18 $4,970,000 $276,111 $3,790 3.70%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 26 $4,920,000 $189,231 $3,227 3.25%
SAN RAFAEL, CA (FHA|USDA|VA) 6 $4,820,000 $803,333 $3,511 3.52%
DULUTH, MN-WI (FHA|USDA|VA) 34 $4,740,000 $139,412 $2,074 3.24%
PHILADELPHIA, PA (FHA|USDA|VA) 10 $4,680,000 $468,000 $4,918 3.14%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 13 $4,505,000 $346,538 $3,876 3.47%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD (FHA|USDA|VA) 16 $4,410,000 $275,625 $2,870 3.18%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) 16 $4,360,000 $272,500 $3,963 3.41%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 18 $4,180,000 $232,222 $2,938 3.88%
ST. LOUIS, MO-IL (FHA|USDA|VA) 21 $4,085,000 $194,524 $2,525 3.54%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 10 $4,000,000 $400,000 $3,143 3.54%
WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) 10 $3,920,000 $392,000 $4,529 3.16%
JACKSONVILLE, FL (FHA|USDA|VA) 15 $3,785,000 $252,333 $2,896 3.23%
MADISON, WI (FHA|USDA|VA) 11 $3,745,000 $340,455 $2,447 3.27%
TUCSON, AZ (FHA|USDA|VA) 15 $3,565,000 $237,667 $2,543 3.43%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 10 $3,470,000 $347,000 $3,258 3.27%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 9 $3,455,000 $383,889 $2,462 3.29%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 13 $3,365,000 $258,846 $3,884 3.54%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 10 $3,230,000 $323,000 $3,746 3.23%
FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) 11 $3,155,000 $286,818 $3,850 3.41%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 14 $3,150,000 $225,000 $2,901 3.03%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) 12 $3,150,000 $262,500 $3,818 3.25%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 8 $3,040,000 $380,000 $3,227 3.33%
RICHMOND, VA (FHA|USDA|VA) 6 $3,030,000 $505,000 $3,969 2.90%
TACOMA-LAKEWOOD, WA (FHA|USDA|VA) 7 $2,935,000 $419,286 $3,320 3.39%
PITTSBURGH, PA (FHA|USDA|VA) 14 $2,920,000 $208,571 $3,895 3.29%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $2,825,000 $565,000 $5,124 3.25%
PROVO-OREM, UT (FHA|USDA|VA) 9 $2,745,000 $305,000 $3,537 3.11%
NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) 11 $2,735,000 $248,636 $3,614 3.51%
BOULDER, CO (FHA|USDA|VA) 6 $2,710,000 $451,667 $2,501 2.87%
CAMDEN, NJ (FHA|USDA|VA) 14 $2,700,000 $192,857 $2,949 3.22%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $2,650,000 $662,500 $4,504 3.06%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 19 $2,625,000 $138,158 $2,083 3.72%
BEND, OR (FHA|USDA|VA) 8 $2,550,000 $318,750 $5,335 3.38%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 13 $2,535,000 $195,000 $2,981 3.41%
KNOXVILLE, TN (FHA|USDA|VA) 11 $2,535,000 $230,455 $3,193 3.66%
GREEN BAY, WI (FHA|USDA|VA) 14 $2,450,000 $175,000 $2,302 3.63%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 6 $2,410,000 $401,667 $3,537 3.15%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) 4 $2,380,000 $595,000 $2,665 3.03%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 5 $2,355,000 $471,000 $3,977 2.93%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH (FHA|USDA|VA) 7 $2,195,000 $313,571 $3,077 3.38%
ASHEVILLE, NC (FHA|USDA|VA) 7 $2,115,000 $302,143 $3,242 3.32%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 13 $2,115,000 $162,692 $2,274 3.58%
PORT ST. LUCIE, FL (FHA|USDA|VA) 10 $2,030,000 $203,000 $3,755 3.36%
RACINE, WI (FHA|USDA|VA) 7 $1,825,000 $260,714 $2,295 2.95%
RENO, NV (FHA|USDA|VA) 6 $1,810,000 $301,667 $3,004 4.31%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $1,740,000 $435,000 $3,069 3.28%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 8 $1,710,000 $213,750 $3,096 2.67%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 9 $1,655,000 $183,889 $3,715 3.32%
ALBUQUERQUE, NM (FHA|USDA|VA) 8 $1,620,000 $202,500 $3,650 3.56%
ROCHESTER, NY (FHA|USDA|VA) 9 $1,605,000 $178,333 $2,797 2.69%
BOISE CITY, ID (FHA|USDA|VA) 5 $1,605,000 $321,000 $3,871 3.13%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 5 $1,605,000 $321,000 $2,763 3.08%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 7 $1,595,000 $227,857 $2,379 3.29%
NASSAU COUNTY-SUFFOLK COUNTY, NY (FHA|USDA|VA) 5 $1,505,000 $301,000 $5,120 4.08%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 11 $1,505,000 $136,818 $2,694 3.86%
OKLAHOMA CITY, OK (FHA|USDA|VA) 7 $1,495,000 $213,571 $4,432 3.68%
COLORADO SPRINGS, CO (FHA|USDA|VA) 6 $1,490,000 $248,333 $2,965 3.31%
THE VILLAGES, FL (FHA|USDA|VA) 5 $1,485,000 $297,000 $3,000 2.93%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 7 $1,485,000 $212,143 $2,315 3.55%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 5 $1,485,000 $297,000 $3,265 2.93%
OCEAN CITY, NJ (FHA|USDA|VA) 3 $1,395,000 $465,000 $4,811 2.87%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 6 $1,390,000 $231,667 $2,505 2.79%
WILMINGTON, NC (FHA|USDA|VA) 7 $1,355,000 $193,571 $4,762 3.52%
WILMINGTON, DE-MD-NJ (FHA|USDA|VA) 6 $1,300,000 $216,667 $2,560 3.58%
READING, PA (FHA|USDA|VA) 4 $1,300,000 $325,000 $4,228 2.97%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 7 $1,295,000 $185,000 $2,924 3.32%
NILES, MI (FHA|USDA|VA) 2 $1,210,000 $605,000 $2,946 2.56%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $1,190,000 $297,500 $2,303 3.19%
COLUMBIA, SC (FHA|USDA|VA) 2 $1,180,000 $590,000 $2,868 3.13%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 4 $1,170,000 $292,500 $5,202 3.41%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 5 $1,145,000 $229,000 $2,412 2.90%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 7 $1,145,000 $163,571 $2,286 3.57%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $1,125,000 $225,000 $4,260 2.70%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 10 $1,110,000 $111,000 $1,861 4.11%
BAKERSFIELD, CA (FHA|USDA|VA) 5 $1,105,000 $221,000 $3,137 3.15%
ST. CLOUD, MN (FHA|USDA|VA) 6 $990,000 $165,000 $2,183 3.17%
FRESNO, CA (FHA|USDA|VA) 3 $975,000 $325,000 $3,318 3.13%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $975,000 $325,000 $3,026 4.42%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 5 $935,000 $187,000 $3,409 4.20%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $920,000 $230,000 $3,949 3.16%
APPLETON, WI (FHA|USDA|VA) 5 $915,000 $183,000 $3,805 2.90%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 6 $890,000 $148,333 $2,756 3.38%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $885,000 $295,000 $3,606 3.13%
GREELEY, CO (FHA|USDA|VA) 3 $855,000 $285,000 $2,603 2.75%
GAINESVILLE, FL (FHA|USDA|VA) 3 $845,000 $281,667 $4,005 3.17%
SEBASTIAN-VERO BEACH, FL (FHA|USDA|VA) 4 $820,000 $205,000 $3,084 3.91%
HUNTSVILLE, AL (FHA|USDA|VA) 4 $820,000 $205,000 $2,101 3.09%
SPRINGFIELD, MO (FHA|USDA|VA) 4 $810,000 $202,500 $2,584 3.47%
STOCKTON, CA (FHA|USDA|VA) 3 $795,000 $265,000 $1,493 2.96%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $785,000 $261,667 $3,423 3.54%
DETROIT-DEARBORN-LIVONIA, MI (FHA|USDA|VA) 6 $760,000 $126,667 $2,448 3.17%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $755,000 $251,667 $1,338 3.83%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $740,000 $185,000 $2,505 4.63%
JACKSON, MS (FHA|USDA|VA) 4 $740,000 $185,000 $2,943 3.84%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $730,000 $365,000 $3,095 2.88%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $725,000 $145,000 $3,138 3.45%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $725,000 $241,667 $2,742 3.83%
FORT WAYNE, IN (FHA|USDA|VA) 3 $725,000 $241,667 $4,155 3.63%
FLORENCE, SC (FHA|USDA|VA) 3 $715,000 $238,333 $3,128 3.46%
YUBA CITY, CA (FHA|USDA|VA) 4 $710,000 $177,500 $2,530 4.16%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 2 $690,000 $345,000 $3,117 3.44%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $685,000 $685,000 $2,800 2.63%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $680,000 $340,000 $2,203 2.88%
TULSA, OK (FHA|USDA|VA) 2 $680,000 $340,000 $4,192 3.00%
WICHITA, KS (FHA|USDA|VA) 3 $675,000 $225,000 $2,419 3.08%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $665,000 $221,667 $3,634 2.96%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 3 $665,000 $221,667 $2,429 2.83%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $625,000 $125,000 $3,786 3.03%
BURLINGTON, NC (FHA|USDA|VA) 3 $615,000 $205,000 $3,005 3.63%
SALISBURY, MD-DE (FHA|USDA|VA) 3 $605,000 $201,667 $2,896 3.33%
EL PASO, TX (FHA|USDA|VA) 4 $590,000 $147,500 $3,415 2.97%
SAVANNAH, GA (FHA|USDA|VA) 4 $580,000 $145,000 $2,916 3.38%
ANN ARBOR, MI (FHA|USDA|VA) 3 $575,000 $191,667 $1,369 3.63%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $570,000 $285,000 $3,901 3.19%
VISALIA, CA (FHA|USDA|VA) 2 $560,000 $280,000 $3,169 3.50%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $550,000 $275,000 $3,436 3.19%
VALDOSTA, GA (FHA|USDA|VA) 3 $545,000 $181,667 $2,645 4.21%
CORVALLIS, OR (FHA|USDA|VA) 1 $525,000 $525,000 $3,954 3.25%
COLUMBIA, MO (FHA|USDA|VA) 2 $520,000 $260,000 $1,987 3.13%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $480,000 $240,000 $3,363 3.19%
MIDLAND, TX (FHA|USDA|VA) 1 $475,000 $475,000 $4,441 2.50%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $470,000 $235,000 $3,892 3.19%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $465,000 $155,000 $2,226 3.21%
ROANOKE, VA (FHA|USDA|VA) 4 $450,000 $112,500 $2,580 3.13%
AKRON, OH (FHA|USDA|VA) 5 $445,000 $89,000 $1,811 3.63%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $430,000 $215,000 $1,900 3.06%
CARSON CITY, NV (FHA|USDA|VA) 1 $425,000 $425,000 $4,130 3.13%
SALEM, OR (FHA|USDA|VA) 1 $415,000 $415,000 $4,027 3.38%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $400,000 $200,000 $3,620 2.81%
PUEBLO, CO (FHA|USDA|VA) 2 $400,000 $200,000 $2,203 3.13%
WAUSAU-WESTON, WI (FHA|USDA|VA) 3 $395,000 $131,667 $2,674 3.29%
TERRE HAUTE, IN (FHA|USDA|VA) 3 $395,000 $131,667 $2,134 3.54%
EAU CLAIRE, WI (FHA|USDA|VA) 3 $385,000 $128,333 $1,833 4.54%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $385,000 $385,000 $3,330 2.00%
ELMIRA, NY (FHA|USDA|VA) 3 $385,000 $128,333 $2,961 3.00%
DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $385,000 $128,333 $1,938 3.54%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $375,000 $375,000 $2,934 3.38%
OCALA, FL (FHA|USDA|VA) 3 $375,000 $125,000 $3,195 3.13%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $365,000 $365,000 $4,078 3.00%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $360,000 $180,000 $3,262 3.94%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $360,000 $180,000 $3,160 2.75%
HATTIESBURG, MS (FHA|USDA|VA) 2 $360,000 $180,000 $3,099 3.06%
ROCKFORD, IL (FHA|USDA|VA) 4 $360,000 $90,000 $2,046 3.41%
SPARTANBURG, SC (FHA|USDA|VA) 3 $355,000 $118,333 $2,951 3.25%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $350,000 $175,000 $2,327 2.69%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $340,000 $170,000 $2,216 2.75%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $335,000 $335,000 $1,691 3.13%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $330,000 $165,000 $3,066 2.94%
TOPEKA, KS (FHA|USDA|VA) 1 $325,000 $325,000 $1,260 2.63%
TYLER, TX (FHA|USDA|VA) 2 $320,000 $160,000 $2,866 3.13%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $315,000 $315,000 $3,538 3.13%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $310,000 $155,000 $2,553 3.38%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $295,000 $295,000 $2,095 3.00%
CHICO, CA (FHA|USDA|VA) 1 $295,000 $295,000 $2,796 3.38%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $290,000 $145,000 $12,783 2.63%
KANKAKEE, IL (FHA|USDA|VA) 2 $290,000 $145,000 $5,043 3.19%
COEUR D'ALENE, ID (FHA|USDA|VA) 2 $290,000 $145,000 $3,234 2.75%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $285,000 $285,000 $2,455 2.75%
HARRISONBURG, VA (FHA|USDA|VA) 1 $285,000 $285,000 $2,095 2.50%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $285,000 $285,000 $2,740 3.50%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $280,000 $140,000 $1,183 4.56%
SAN JUAN-BAYAMÓN-CAGUAS, PR (FHA|USDA|VA) 1 $275,000 $275,000 $4,614 3.00%
BAY CITY, MI (FHA|USDA|VA) 1 $275,000 $275,000 $2,834 3.50%
LINCOLN, NE (FHA|USDA|VA) 2 $270,000 $135,000 $1,972 2.94%
PEORIA, IL (FHA|USDA|VA) 2 $270,000 $135,000 $1,728 2.50%
BLOOMINGTON, IL (FHA|USDA|VA) 2 $270,000 $135,000 $1,107 3.81%
GAINESVILLE, GA (FHA|USDA|VA) 1 $265,000 $265,000 $2,755 2.88%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $260,000 $130,000 $2,040 2.44%
BATON ROUGE, LA (FHA|USDA|VA) 2 $260,000 $130,000 $3,382 3.88%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $255,000 $255,000 $3,373 3.50%
VALLEJO, CA (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.75%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $250,000 $125,000 $2,582 2.81%
LOGAN, UT-ID (FHA|USDA|VA) 1 $245,000 $245,000 $2,112 2.88%
ST. GEORGE, UT (FHA|USDA|VA) 1 $235,000 $235,000 $2,384 2.88%
TOLEDO, OH (FHA|USDA|VA) 1 $235,000 $235,000 $1,840 3.13%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $2,913 3.63%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $230,000 $115,000 $3,089 3.38%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $230,000 $115,000 $2,616 3.75%
MORRISTOWN, TN (FHA|USDA|VA) 1 $225,000 $225,000 $1,895 3.63%
DUBUQUE, IA (FHA|USDA|VA) 1 $225,000 $225,000 $1,560 2.25%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $225,000 $225,000 $3,785 3.50%
SAN GERMÁN, PR (FHA|USDA|VA) 2 $220,000 $110,000 $4,741 3.13%
MONROE, MI (FHA|USDA|VA) 2 $220,000 $110,000 $1,868 3.50%
CASPER, WY (FHA|USDA|VA) 1 $215,000 $215,000 $2,104 3.13%
ROCHESTER, MN (FHA|USDA|VA) 1 $205,000 $205,000 $2,826 3.50%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $205,000 $205,000 $2,251 3.13%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,653 3.63%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $195,000 $195,000 $2,597 3.50%
MANKATO, MN (FHA|USDA|VA) 1 $185,000 $185,000 $2,355 3.13%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $185,000 $185,000 $3,649 2.75%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $185,000 $185,000 $3,569 3.50%
MAYAGÜEZ, PR (FHA|USDA|VA) 1 $185,000 $185,000 $2,265 2.75%
MUNCIE, IN (FHA|USDA|VA) 2 $180,000 $90,000 $2,678 3.25%
LAREDO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $2,594 2.88%
REDDING, CA (FHA|USDA|VA) 1 $175,000 $175,000 $1,925 2.50%
LANCASTER, PA (FHA|USDA|VA) 2 $170,000 $85,000 $3,385 3.12%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $165,000 $165,000 $1,925 2.50%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,583 3.25%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,664 3.38%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $165,000 $165,000 $1,970 3.13%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,321 3.75%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $160,000 $80,000 $2,570 2.81%
DOTHAN, AL (FHA|USDA|VA) 1 $155,000 $155,000 $2,678 3.50%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $135,000 $135,000 $3,017 3.25%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $135,000 $135,000 $2,396 3.25%
LONGVIEW, TX (FHA|USDA|VA) 1 $135,000 $135,000 $2,856 2.88%
AGUADILLA-ISABELA, PR (FHA|USDA|VA) 1 $135,000 $135,000 $2,651 2.25%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $135,000 $135,000 $3,039 2.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 3 $125,000 $41,667 $1,512 4.46%
STAUNTON, VA (FHA|USDA|VA) 1 $125,000 $125,000 $2,508 3.63%
GARY, IN (FHA|USDA|VA) 1 $115,000 $115,000 $2,980 2.50%
GREENVILLE, NC (FHA|USDA|VA) 1 $105,000 $105,000 $2,745 2.63%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $105,000 $105,000 $2,430 2.88%
FORT COLLINS, CO (FHA|USDA|VA) 1 $105,000 $105,000 $1,915 3.00%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $95,000 $95,000 $3,038 2.75%
SYRACUSE, NY (FHA|USDA|VA) 1 $85,000 $85,000 $2,161 2.88%
MONROE, LA (FHA|USDA|VA) 1 $85,000 $85,000 $3,035 3.25%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $85,000 $85,000 $2,708 3.13%
UTICA-ROME, NY (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.25%
LUBBOCK, TX (FHA|USDA|VA) 1 $75,000 $75,000 $2,514 2.50%
GLENS FALLS, NY (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.50%
PANAMA CITY, FL (FHA|USDA|VA) 1 $65,000 $65,000 $3,490 3.13%
LAWRENCE, KS (FHA|USDA|VA) 1 $65,000 $65,000 $1,830 3.00%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.50%
DALTON, GA (FHA|USDA|VA) 1 $55,000 $55,000 $3,970 3.00%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $55,000 $55,000 $0 2.99%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.00%
BILLINGS, MT (FHA|USDA|VA) 1 $25,000 $25,000 $0 3.00%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.50%
CHARLESTON, WV (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.00%

Baxter Credit Union's top markets include Minneapolis, Chicago, Anaheim, Lake County, and Columbus among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 6,322 $1,705,630,000 $269,793 $2,889 3.34%

For the 2020 period, Baxter Credit Union's most frequently originated loan type of loans were Conventional, with 6,322 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 2,161 $608,515,000 $281,590 $2,507 2.92%
Home Purchase 1,760 $623,630,000 $354,335 $4,020 3.23%
Cash Out Refi 1,155 $332,325,000 $287,727 $2,771 3.33%
Home Improvement 700 $61,940,000 $88,486 $450 4.30%
Other 546 $79,220,000 $145,092 $1,337 4.10%

For the 2020, Baxter Credit Union's most frequently cited loan purpose of loans were Refi, with 2,161 originations. The 2nd most popular reason of loans were Home Purchase, with 1,760 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 3,136 $1,137,490,000 $362,720 $3,491 3.20%
15 Year 1,278 $285,550,000 $223,435 $2,379 2.88%
10 Year 909 $88,065,000 $96,881 $1,242 4.11%
20 Year 773 $147,955,000 $191,404 $1,723 3.60%
5 Year 219 $44,855,000 $204,817 $697 3.77%
Other 4 $1,150,000 $287,500 $2,351 4.28%
1 Year 3 $565,000 $188,333 $1,365 5.58%

For the 2020, Baxter Credit Union's most frequently cited loan length of loans were 30 Year, with 3,136 originations. The 2nd most popular length of loans were 15 Year, with 1,278 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 4,096 $1,223,390,000 $298,679
$1k-2k 834 $200,210,000 $240,060
$2k-3k 245 $71,965,000 $293,735
$3k-4k 131 $41,965,000 $320,344
$5k+ 87 $56,095,000 $644,770

$3,491 of loans were Baxter Credit Union's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 4,096 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 2,616 $752,240,000 $287,554
2.5-3% 2,172 $663,270,000 $305,373
<2.5% 780 $221,200,000 $283,590
4-5% 361 $42,545,000 $117,853
5-6% 232 $16,540,000 $71,293
6-7% 115 $6,865,000 $59,696
7-8% 31 $2,035,000 $65,645
Over 8% 15 $935,000 $62,333

During 2020, Baxter Credit Union's average interest rate of loans were 3.20%, while their most frequently originated rate bucket of loans were 3-4%, with 2,616 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 2,490 $706,610,000 $283,779 $3,048 3.11%
$100k-200k 1,540 $231,940,000 $150,610 $2,492 3.21%
$100,000 or less 1,204 $68,690,000 $57,051 $987 4.23%
$400k-600k 689 $330,265,000 $479,340 $3,601 3.07%
$600k-1MM 299 $220,395,000 $737,107 $4,478 3.05%
$1MM+ 100 $147,730,000 $1,477,300 $7,346 2.95%

2020 saw Baxter Credit Union place emphasis on $200k-400k loans with 2,490 originations, totaling $706,610,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 1,820 $431,700,000 $237,198 $2,803 3.35%
$150k-250k 1,713 $515,255,000 $300,791 $2,882 3.33%
$75k-100k 905 $177,035,000 $195,619 $2,711 3.39%
$250k+ 782 $412,030,000 $526,893 $3,925 3.21%
$50k-75k 720 $114,430,000 $158,931 $2,652 3.44%
$50k or less 248 $26,150,000 $105,444 $2,502 3.47%

Baxter Credit Union lent most frequently to those with incomes in the $100k-150k range, with 1,820 originations. The second most popular income band? $150k-250k, with 1,713 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,968 $542,130,000 $275,473 $2,872 3.20%
30-36% 1,252 $351,870,000 $281,046 $2,975 3.38%
<20% 862 $213,190,000 $247,320 $2,747 3.05%
42% 242 $62,240,000 $257,190 $2,427 3.74%
41% 226 $54,610,000 $241,637 $2,717 3.68%
36% 224 $63,260,000 $282,411 $2,770 3.47%
37% 223 $57,185,000 $256,435 $2,714 3.46%
38% 220 $57,070,000 $259,409 $2,813 3.58%
40% 214 $58,300,000 $272,430 $2,912 3.60%
39% 196 $55,180,000 $281,531 $2,809 3.52%
43% 146 $42,730,000 $292,671 $3,102 3.44%
44% 114 $32,520,000 $285,263 $3,468 3.50%
45% 89 $21,525,000 $241,854 $3,036 3.42%
46% 85 $20,885,000 $245,706 $3,759 3.36%
48% 82 $22,700,000 $276,829 $3,855 3.59%
49% 77 $23,095,000 $299,935 $4,330 3.31%
47% 75 $17,525,000 $233,667 $3,035 3.46%
50-60% 11 $5,335,000 $485,000 $2,388 3.00%
>60% 10 $3,220,000 $322,000 $1,932 4.08%

Baxter Credit Union lent most frequently to those with DTI ratios of 20-30%, with 1,968 originations. The next most common DTI ratio? 30-36%, with 1,252 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 4,323 $1,130,975,000 $261,618 $2,847 3.33%
Not provided 1,237 $349,435,000 $282,486 $2,989 3.36%
Asian 472 $153,020,000 $324,195 $2,937 3.21%
Black 236 $59,380,000 $251,610 $3,046 3.53%
American Indian 33 $6,545,000 $198,333 $2,813 3.31%
Asian Indian 6 $1,970,000 $328,333 $3,075 3.25%
Korean 3 $1,095,000 $365,000 $8,753 4.21%
Native Hawaiian 3 $1,055,000 $351,667 $2,345 3.29%
Vietnamese 2 $740,000 $370,000 $1,338 4.25%
Chinese 2 $730,000 $365,000 $4,864 3.00%
2 $320,000 $160,000 $3,541 3.18%
Filipino 2 $280,000 $140,000 $2,375 3.25%
Other Asian 1 $85,000 $85,000 $0 4.13%

Approval Rates

Total approvals of all applications
92.24%

Baxter Credit Union has an average approval rate.

Pick Rate

Approvals leading to origination
71.34%

Baxter Credit Union has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
345.0 1 $105,000 $105,000
NA 6,321 $1,705,525,000 $269,819

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 25 $2,175,000 $87,000
Single Family (1-4 Units):Site-Built 6,297 $1,703,455,000 $270,519

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 705 $104,225,000 $147,837 $1,604 3.76%
40-60% 916 $249,760,000 $272,664 $2,617 2.95%
60-80% 2,259 $724,445,000 $320,693 $3,017 3.06%
80-100% 1,588 $567,160,000 $357,154 $3,757 3.22%
Over 100% 2 $1,440,000 $720,000 $1,061 3.38%
Under 20% 846 $57,640,000 $68,132 $155 4.34%