Baxter Credit Union Mortgage Rates, Fees & Info

Vernon Hills, IL

LEI: 549300S8SHBRCI7UU819

Tax ID: 23-7250155

5 stars - out of 5 stars, based on 83 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Baxter Credit Union is a small credit union specializing in Refi, Home Purchase, and Cash Out Refi loans. Baxter Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Chicago, Minneapolis, Los Angeles, Columbus, and Boston among others. We have data for 390 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Baxter Credit Union has an above 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 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) 6.27% 1/29/23
    30 Year Conventional Purchase 6.33% 1/29/23
    30 Year Conventional Refi 6.37% 1/29/23
    30 Year Cash-out Refi 6.41% 1/29/23
    15 Year Conventional Purchase 5.82% 1/29/23
    15 Year Conventional Refi 5.76% 1/29/23
    15 Year Cash-out Refi 5.76% 1/29/23
    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.


    Originations

    6,935

    Origination Dollar Volume (All Markets)

    $1,854,295,000
    Show all (49) awards

    Relative Rate

    Baxter Credit Union's average 30 year fixed mortgage rate was 2.95%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    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 $3,581.

    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 $4,750.

    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) 1,766 $407,800,000 $230,917 $2,511 3.06%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1,422 $368,120,000 $258,875 $2,684 3.01%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 341 $155,875,000 $457,111 $4,133 3.02%
    COLUMBUS, OH (FHA|USDA|VA) 220 $49,180,000 $223,545 $2,458 3.09%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 87 $45,285,000 $520,517 $3,397 2.93%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 126 $36,740,000 $291,587 $4,062 3.09%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 105 $30,435,000 $289,857 $2,839 3.10%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 108 $29,620,000 $274,259 $2,836 3.34%
    Outside of Metro Areas 156 $26,600,000 $170,513 $2,537 3.02%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 71 $25,095,000 $353,451 $3,976 3.00%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 68 $24,780,000 $364,412 $3,919 3.29%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 113 $23,265,000 $205,885 $2,577 3.18%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 44 $22,990,000 $522,500 $3,053 3.18%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 63 $22,895,000 $363,413 $4,270 2.90%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 53 $19,345,000 $365,000 $3,937 3.12%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 66 $17,260,000 $261,515 $3,607 3.26%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 41 $17,105,000 $417,195 $2,398 3.07%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 45 $16,255,000 $361,222 $2,715 3.11%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 49 $13,975,000 $285,204 $3,316 3.19%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 18 $13,600,000 $755,556 $6,044 3.54%
    WORCESTER, MA-CT (FHA|USDA|VA) 48 $13,480,000 $280,833 $2,799 2.93%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 25 $13,095,000 $523,800 $3,032 2.80%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 41 $11,815,000 $288,171 $4,012 2.81%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 45 $10,885,000 $241,889 $3,116 2.99%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 31 $10,575,000 $341,129 $3,028 3.17%
    BLOOMINGTON, IN (FHA|USDA|VA) 53 $10,065,000 $189,906 $2,326 3.24%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 48 $10,010,000 $208,542 $2,413 3.21%
    Whitewater, WI (FHA|USDA|VA) 26 $10,000,000 $384,615 $2,499 2.90%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 49 $9,705,000 $198,061 $2,450 3.18%
    RALEIGH-CARY, NC (FHA|USDA|VA) 28 $9,280,000 $331,429 $2,648 2.99%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 14 $9,280,000 $662,857 $3,138 2.93%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 32 $8,980,000 $280,625 $4,136 3.08%
    SALT LAKE CITY, UT (FHA|USDA|VA) 29 $8,755,000 $301,897 $3,269 2.98%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 4 $7,340,000 $1,835,000 $2,584 3.43%
    DULUTH, MN-WI (FHA|USDA|VA) 29 $7,015,000 $241,897 $3,311 3.12%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 26 $6,350,000 $244,231 $2,290 3.14%
    JACKSONVILLE, FL (FHA|USDA|VA) 25 $6,235,000 $249,400 $3,566 3.21%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 16 $6,070,000 $379,375 $4,767 2.99%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 18 $6,050,000 $336,111 $2,067 3.37%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 30 $6,000,000 $200,000 $1,984 3.33%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 28 $5,770,000 $206,071 $2,486 3.40%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 20 $5,750,000 $287,500 $2,610 3.14%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 27 $5,615,000 $207,963 $3,281 2.92%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 26 $5,570,000 $214,231 $3,207 3.12%
    MADISON, WI (FHA|USDA|VA) 13 $5,025,000 $386,538 $2,587 3.04%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 32 $4,890,000 $152,813 $3,097 3.60%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 17 $4,725,000 $277,941 $2,838 3.03%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 7 $4,625,000 $660,714 $4,005 2.68%
    Heber, UT (FHA|USDA|VA) 6 $4,520,000 $753,333 $3,602 2.73%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $4,520,000 $2,260,000 $2,399 3.21%
    RICHMOND, VA (FHA|USDA|VA) 20 $4,440,000 $222,000 $2,217 3.32%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 9 $4,435,000 $492,778 $4,250 2.83%
    TUCSON, AZ (FHA|USDA|VA) 16 $4,230,000 $264,375 $2,714 3.01%
    Mountain Home, AR (FHA|USDA|VA) 30 $4,220,000 $140,667 $2,524 2.90%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 12 $4,200,000 $350,000 $3,102 3.02%
    Cleveland, MS (FHA|USDA|VA) 36 $4,200,000 $116,667 $2,341 3.18%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 18 $3,990,000 $221,667 $2,654 3.08%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 17 $3,965,000 $233,235 $2,253 3.11%
    Marion, NC (FHA|USDA|VA) 27 $3,905,000 $144,630 $2,492 2.94%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 17 $3,735,000 $219,706 $3,439 3.36%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 10 $3,720,000 $372,000 $3,327 3.40%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 12 $3,610,000 $300,833 $2,595 2.88%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 21 $3,495,000 $166,429 $2,905 3.24%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 19 $3,395,000 $178,684 $2,055 3.28%
    PITTSBURGH, PA (FHA|USDA|VA) 19 $3,285,000 $172,895 $3,108 3.41%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 7 $3,265,000 $466,429 $2,966 2.61%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 11 $3,195,000 $290,455 $2,469 3.03%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 14 $2,980,000 $212,857 $3,014 3.17%
    Brainerd, MN (FHA|USDA|VA) 12 $2,900,000 $241,667 $2,519 2.99%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 16 $2,850,000 $178,125 $2,751 3.28%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 12 $2,770,000 $230,833 $2,756 2.75%
    ASHEVILLE, NC (FHA|USDA|VA) 13 $2,725,000 $209,615 $2,582 2.96%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 13 $2,725,000 $209,615 $3,229 3.44%
    STOCKTON, CA (FHA|USDA|VA) 5 $2,645,000 $529,000 $2,882 2.68%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 9 $2,565,000 $285,000 $3,525 2.79%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 9 $2,455,000 $272,778 $3,459 2.75%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 7 $2,425,000 $346,429 $3,029 3.07%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 9 $2,415,000 $268,333 $3,667 2.82%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 13 $2,365,000 $181,923 $2,343 3.20%
    SAN JUAN-BAYAMÓN-CAGUAS, PR (FHA|USDA|VA) 15 $2,145,000 $143,000 $5,361 2.48%
    ALBUQUERQUE, NM (FHA|USDA|VA) 8 $2,080,000 $260,000 $3,464 2.80%
    OCEAN CITY, NJ (FHA|USDA|VA) 5 $2,075,000 $415,000 $4,505 3.30%
    AGUADILLA-ISABELA, PR (FHA|USDA|VA) 14 $2,020,000 $144,286 $5,197 2.63%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 6 $1,980,000 $330,000 $2,836 2.83%
    RACINE, WI (FHA|USDA|VA) 11 $1,915,000 $174,091 $3,635 3.03%
    AKRON, OH (FHA|USDA|VA) 11 $1,905,000 $173,182 $2,320 3.48%
    GREEN BAY, WI (FHA|USDA|VA) 13 $1,895,000 $145,769 $2,232 3.30%
    COLUMBIA, SC (FHA|USDA|VA) 10 $1,890,000 $189,000 $3,306 2.97%
    ROCKFORD, IL (FHA|USDA|VA) 12 $1,880,000 $156,667 $3,004 3.43%
    RENO, NV (FHA|USDA|VA) 3 $1,735,000 $578,333 $2,549 2.75%
    TULSA, OK (FHA|USDA|VA) 7 $1,715,000 $245,000 $3,161 3.14%
    Hilo, HI (FHA|USDA|VA) 4 $1,670,000 $417,500 $3,722 3.25%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $1,595,000 $1,595,000 $9,503 2.63%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $1,570,000 $392,500 $4,437 2.94%
    ROCHESTER, MN (FHA|USDA|VA) 4 $1,550,000 $387,500 $3,024 3.03%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 7 $1,525,000 $217,857 $1,712 3.09%
    THE VILLAGES, FL (FHA|USDA|VA) 3 $1,515,000 $505,000 $4,248 2.63%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $1,515,000 $303,000 $2,567 2.73%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 6 $1,400,000 $233,333 $3,386 3.40%
    FARGO, ND-MN (FHA|USDA|VA) 5 $1,375,000 $275,000 $6,168 2.75%
    SPRINGFIELD, MO (FHA|USDA|VA) 9 $1,375,000 $152,778 $1,789 3.08%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 5 $1,365,000 $273,000 $3,517 3.25%
    GREELEY, CO (FHA|USDA|VA) 5 $1,355,000 $271,000 $2,437 3.23%
    SANTA FE, NM (FHA|USDA|VA) 3 $1,335,000 $445,000 $3,055 3.25%
    Willmar, MN (FHA|USDA|VA) 3 $1,325,000 $441,667 $3,108 3.04%
    Jackson, WY-ID (FHA|USDA|VA) 1 $1,285,000 $1,285,000 $5,325 3.38%
    SAVANNAH, GA (FHA|USDA|VA) 4 $1,280,000 $320,000 $3,500 2.81%
    BAKERSFIELD, CA (FHA|USDA|VA) 6 $1,270,000 $211,667 $3,035 3.06%
    SPRINGFIELD, MA (FHA|USDA|VA) 4 $1,240,000 $310,000 $3,164 2.84%
    EL PASO, TX (FHA|USDA|VA) 5 $1,225,000 $245,000 $3,653 2.45%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $1,170,000 $585,000 $4,763 2.31%
    Faribault-Northfield, MN (FHA|USDA|VA) 5 $1,155,000 $231,000 $2,700 2.88%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 5 $1,145,000 $229,000 $3,194 2.73%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $1,145,000 $381,667 $3,345 3.17%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $1,125,000 $1,125,000 $15,663 2.00%
    OCALA, FL (FHA|USDA|VA) 5 $1,125,000 $225,000 $3,724 2.83%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 5 $1,105,000 $221,000 $3,628 3.44%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 5 $1,105,000 $221,000 $2,785 2.90%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $1,080,000 $270,000 $3,111 2.78%
    Grand Rapids, MN (FHA|USDA|VA) 4 $1,080,000 $270,000 $3,169 3.09%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 4 $1,070,000 $267,500 $2,691 2.88%
    PROVO-OREM, UT (FHA|USDA|VA) 4 $1,060,000 $265,000 $2,751 2.63%
    MODESTO, CA (FHA|USDA|VA) 3 $1,035,000 $345,000 $1,975 3.25%
    ST. CLOUD, MN (FHA|USDA|VA) 6 $1,030,000 $171,667 $2,573 3.27%
    FRESNO, CA (FHA|USDA|VA) 2 $1,020,000 $510,000 $2,736 2.50%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $1,010,000 $505,000 $13,914 3.44%
    Bennington, VT (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $2,950 2.63%
    WINSTON-SALEM, NC (FHA|USDA|VA) 5 $1,005,000 $201,000 $2,610 2.93%
    WILMINGTON, NC (FHA|USDA|VA) 5 $985,000 $197,000 $3,659 2.87%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 5 $985,000 $197,000 $2,123 3.02%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $985,000 $328,333 $2,468 2.83%
    KNOXVILLE, TN (FHA|USDA|VA) 6 $960,000 $160,000 $2,275 3.15%
    Traverse City, MI (FHA|USDA|VA) 2 $930,000 $465,000 $2,777 2.69%
    HUNTSVILLE, AL (FHA|USDA|VA) 5 $925,000 $185,000 $2,406 2.98%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $920,000 $460,000 $2,355 2.94%
    SALISBURY, MD-DE (FHA|USDA|VA) 4 $900,000 $225,000 $2,416 2.84%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $900,000 $450,000 $3,155 2.69%
    Georgetown, SC (FHA|USDA|VA) 3 $895,000 $298,333 $3,153 3.17%
    JACKSON, MS (FHA|USDA|VA) 4 $880,000 $220,000 $1,970 2.97%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 6 $880,000 $146,667 $2,926 3.06%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 6 $870,000 $145,000 $3,583 3.81%
    Sevierville, TN (FHA|USDA|VA) 2 $860,000 $430,000 $3,970 2.88%
    Alexandria, MN (FHA|USDA|VA) 2 $840,000 $420,000 $3,593 2.69%
    IOWA CITY, IA (FHA|USDA|VA) 4 $830,000 $207,500 $2,080 2.69%
    VISALIA, CA (FHA|USDA|VA) 4 $830,000 $207,500 $2,781 2.81%
    ROCHESTER, NY (FHA|USDA|VA) 6 $820,000 $136,667 $2,958 2.92%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 5 $795,000 $159,000 $2,265 3.18%
    Key West, FL (FHA|USDA|VA) 3 $775,000 $258,333 $1,993 3.00%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $770,000 $385,000 $3,113 2.94%
    Bozeman, MT (FHA|USDA|VA) 1 $765,000 $765,000 $4,618 3.13%
    Rexburg, ID (FHA|USDA|VA) 1 $765,000 $765,000 $6,435 2.50%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $755,000 $251,667 $3,617 3.25%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $755,000 $755,000 $6,575 3.25%
    GAINESVILLE, FL (FHA|USDA|VA) 2 $750,000 $375,000 $4,864 2.50%
    FLORENCE, SC (FHA|USDA|VA) 3 $745,000 $248,333 $2,647 3.00%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 5 $745,000 $149,000 $2,630 3.33%
    APPLETON, WI (FHA|USDA|VA) 4 $730,000 $182,500 $2,056 3.47%
    Beaver Dam, WI (FHA|USDA|VA) 2 $730,000 $365,000 $3,348 2.44%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 3 $725,000 $241,667 $2,442 3.29%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 3 $715,000 $238,333 $2,272 2.79%
    TERRE HAUTE, IN (FHA|USDA|VA) 7 $705,000 $100,714 $2,235 2.59%
    JOHNSON CITY, TN (FHA|USDA|VA) 3 $695,000 $231,667 $3,192 2.92%
    BOULDER, CO (FHA|USDA|VA) 3 $675,000 $225,000 $3,389 2.96%
    SAN GERMÁN, PR (FHA|USDA|VA) 6 $670,000 $111,667 $4,204 2.73%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 4 $670,000 $167,500 $2,081 4.22%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 5 $655,000 $131,000 $3,659 3.85%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $640,000 $320,000 $2,517 2.88%
    ABILENE, TX (FHA|USDA|VA) 3 $635,000 $211,667 $3,650 2.88%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 3 $615,000 $205,000 $2,810 4.00%
    Edwards, CO (FHA|USDA|VA) 2 $600,000 $300,000 $2,890 2.81%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $600,000 $300,000 $3,809 3.38%
    HOT SPRINGS, AR (FHA|USDA|VA) 3 $595,000 $198,333 $2,732 2.67%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $590,000 $295,000 $3,270 3.00%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 3 $585,000 $195,000 $3,511 3.04%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $585,000 $585,000 $1,625 2.13%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $575,000 $191,667 $2,365 2.92%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 4 $570,000 $142,500 $2,585 2.88%
    Mount Vernon, OH (FHA|USDA|VA) 4 $570,000 $142,500 $2,140 3.12%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 3 $565,000 $188,333 $2,842 3.08%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 5 $565,000 $113,000 $2,180 3.38%
    ANN ARBOR, MI (FHA|USDA|VA) 2 $550,000 $275,000 $2,497 2.94%
    SALINAS, CA (FHA|USDA|VA) 1 $545,000 $545,000 $2,675 3.13%
    Indianola, MS (FHA|USDA|VA) 5 $525,000 $105,000 $2,649 3.63%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $525,000 $175,000 $2,717 2.75%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 2 $520,000 $260,000 $2,128 2.63%
    Oak Harbor, WA (FHA|USDA|VA) 2 $510,000 $255,000 $3,110 2.87%
    ROANOKE, VA (FHA|USDA|VA) 3 $495,000 $165,000 $2,304 3.38%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $490,000 $245,000 $3,259 2.75%
    Marinette, WI-MI (FHA|USDA|VA) 4 $490,000 $122,500 $2,552 2.78%
    VALDOSTA, GA (FHA|USDA|VA) 2 $490,000 $245,000 $3,014 2.69%
    PONCE, PR (FHA|USDA|VA) 4 $480,000 $120,000 $6,674 2.25%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 3 $465,000 $155,000 $1,702 3.63%
    BEND, OR (FHA|USDA|VA) 2 $460,000 $230,000 $1,822 4.57%
    BOISE CITY, ID (FHA|USDA|VA) 3 $455,000 $151,667 $6,087 3.58%
    Holland, MI (FHA|USDA|VA) 1 $455,000 $455,000 $3,185 3.13%
    EAU CLAIRE, WI (FHA|USDA|VA) 2 $450,000 $225,000 $3,656 3.00%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $450,000 $225,000 $2,554 3.63%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $450,000 $225,000 $3,362 2.44%
    KOKOMO, IN (FHA|USDA|VA) 3 $445,000 $148,333 $2,752 2.88%
    STAUNTON, VA (FHA|USDA|VA) 2 $440,000 $220,000 $2,428 2.75%
    WICHITA, KS (FHA|USDA|VA) 2 $440,000 $220,000 $2,550 2.88%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $435,000 $145,000 $1,780 4.25%
    DALTON, GA (FHA|USDA|VA) 2 $430,000 $215,000 $2,315 2.56%
    MIDLAND, TX (FHA|USDA|VA) 2 $430,000 $215,000 $2,404 3.31%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $425,000 $141,667 $2,453 3.33%
    NAPA, CA (FHA|USDA|VA) 1 $415,000 $415,000 $6,717 1.88%
    Astoria, OR (FHA|USDA|VA) 1 $415,000 $415,000 $4,796 2.88%
    Moscow, ID (FHA|USDA|VA) 1 $415,000 $415,000 $1,851 2.25%
    FAYETTEVILLE, NC (FHA|USDA|VA) 2 $410,000 $205,000 $2,041 3.19%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 4 $410,000 $102,500 $824 4.13%
    BOWLING GREEN, KY (FHA|USDA|VA) 2 $410,000 $205,000 $2,366 2.94%
    Plattsburgh, NY (FHA|USDA|VA) 1 $385,000 $385,000 $3,721 3.50%
    LANCASTER, PA (FHA|USDA|VA) 1 $385,000 $385,000 $4,753 2.75%
    Branson, MO (FHA|USDA|VA) 1 $385,000 $385,000 $3,096 3.25%
    NEW BERN, NC (FHA|USDA|VA) 2 $380,000 $190,000 $4,429 2.81%
    PEORIA, IL (FHA|USDA|VA) 4 $370,000 $92,500 $2,227 2.97%
    Oxford, MS (FHA|USDA|VA) 2 $370,000 $185,000 $2,452 2.63%
    Cedar City, UT (FHA|USDA|VA) 1 $365,000 $365,000 $2,130 3.25%
    Klamath Falls, OR (FHA|USDA|VA) 1 $365,000 $365,000 $3,706 2.88%
    WARNER ROBINS, GA (FHA|USDA|VA) 3 $365,000 $121,667 $3,101 3.42%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $360,000 $180,000 $1,495 4.49%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $360,000 $180,000 $3,277 2.88%
    YORK-HANOVER, PA (FHA|USDA|VA) 2 $360,000 $180,000 $3,986 3.25%
    Sturgis, MI (FHA|USDA|VA) 1 $355,000 $355,000 $2,996 3.13%
    Brevard, NC (FHA|USDA|VA) 2 $350,000 $175,000 $2,291 2.50%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $345,000 $345,000 $3,460 2.25%
    Forest City, NC (FHA|USDA|VA) 3 $345,000 $115,000 $2,224 2.71%
    Kearney, NE (FHA|USDA|VA) 1 $345,000 $345,000 $2,415 3.00%
    Clarksdale, MS (FHA|USDA|VA) 1 $345,000 $345,000 $3,455 3.00%
    Clearlake, CA (FHA|USDA|VA) 1 $345,000 $345,000 $3,314 3.25%
    COLUMBIA, MO (FHA|USDA|VA) 1 $335,000 $335,000 $2,217 3.00%
    Torrington, CT (FHA|USDA|VA) 3 $335,000 $111,667 $1,893 3.58%
    Nacogdoches, TX (FHA|USDA|VA) 1 $335,000 $335,000 $5,091 3.13%
    SPRINGFIELD, IL (FHA|USDA|VA) 1 $335,000 $335,000 $1,850 2.75%
    Hailey, ID (FHA|USDA|VA) 1 $335,000 $335,000 $4,160 2.88%
    MANSFIELD, OH (FHA|USDA|VA) 2 $330,000 $165,000 $3,650 2.75%
    READING, PA (FHA|USDA|VA) 2 $330,000 $165,000 $1,904 3.63%
    FOND DU LAC, WI (FHA|USDA|VA) 2 $330,000 $165,000 $2,798 3.18%
    LAWRENCE, KS (FHA|USDA|VA) 1 $325,000 $325,000 $1,339 2.38%
    SYRACUSE, NY (FHA|USDA|VA) 3 $325,000 $108,333 $4,091 2.63%
    GREENVILLE, NC (FHA|USDA|VA) 1 $325,000 $325,000 $3,004 3.00%
    MUSKEGON, MI (FHA|USDA|VA) 1 $325,000 $325,000 $2,490 2.75%
    MOBILE, AL (FHA|USDA|VA) 2 $320,000 $160,000 $1,791 2.44%
    Sanford, NC (FHA|USDA|VA) 2 $320,000 $160,000 $2,993 4.50%
    FORT WAYNE, IN (FHA|USDA|VA) 2 $320,000 $160,000 $1,571 2.06%
    RAPID CITY, SD (FHA|USDA|VA) 1 $315,000 $315,000 $3,589 3.00%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $310,000 $155,000 $2,597 2.75%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $310,000 $155,000 $2,950 3.00%
    St. Marys, GA (FHA|USDA|VA) 1 $305,000 $305,000 $2,785 2.38%
    Jayuya, PR (FHA|USDA|VA) 4 $300,000 $75,000 $4,879 2.63%
    Warrensburg, MO (FHA|USDA|VA) 2 $300,000 $150,000 $2,670 3.38%
    Paris, TN (FHA|USDA|VA) 1 $295,000 $295,000 $2,035 2.88%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $295,000 $295,000 $2,775 2.75%
    Bedford, IN (FHA|USDA|VA) 3 $295,000 $98,333 $1,498 3.71%
    FORT COLLINS, CO (FHA|USDA|VA) 2 $290,000 $145,000 $920 4.25%
    LYNCHBURG, VA (FHA|USDA|VA) 2 $290,000 $145,000 $3,499 3.25%
    NILES, MI (FHA|USDA|VA) 1 $285,000 $285,000 $2,986 3.00%
    Morehead City, NC (FHA|USDA|VA) 2 $280,000 $140,000 $2,943 2.94%
    HAMMOND, LA (FHA|USDA|VA) 2 $280,000 $140,000 $2,990 2.56%
    Centralia, WA (FHA|USDA|VA) 1 $275,000 $275,000 $0 2.99%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $275,000 $275,000 $7,714 3.00%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $270,000 $135,000 $2,693 2.63%
    LIMA, OH (FHA|USDA|VA) 1 $265,000 $265,000 $3,620 3.50%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $265,000 $265,000 $3,202 2.38%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $265,000 $265,000 $3,949 2.88%
    HARRISONBURG, VA (FHA|USDA|VA) 1 $265,000 $265,000 $2,545 3.75%
    Red Wing, MN (FHA|USDA|VA) 1 $265,000 $265,000 $3,111 3.00%
    Columbus, NE (FHA|USDA|VA) 1 $265,000 $265,000 $2,579 2.88%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $255,000 $255,000 $3,450 2.75%
    Chillicothe, OH (FHA|USDA|VA) 1 $255,000 $255,000 $3,703 3.25%
    Laconia, NH (FHA|USDA|VA) 1 $255,000 $255,000 $0 2.99%
    Riverton, WY (FHA|USDA|VA) 1 $255,000 $255,000 $2,192 3.38%
    BURLINGTON, NC (FHA|USDA|VA) 2 $250,000 $125,000 $3,062 2.81%
    MONROE, LA (FHA|USDA|VA) 1 $245,000 $245,000 $3,808 2.88%
    MANKATO, MN (FHA|USDA|VA) 1 $245,000 $245,000 $3,454 2.88%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $245,000 $245,000 $1,914 2.88%
    Shelby, NC (FHA|USDA|VA) 2 $240,000 $120,000 $2,108 3.63%
    Wahpeton, ND-MN (FHA|USDA|VA) 1 $235,000 $235,000 $2,558 3.00%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $235,000 $235,000 $2,495 3.50%
    Athens, TX (FHA|USDA|VA) 1 $235,000 $235,000 $3,516 3.13%
    ITHACA, NY (FHA|USDA|VA) 1 $235,000 $235,000 $3,142 2.25%
    YUMA, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $2,125 3.13%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $225,000 $225,000 $3,635 2.63%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $225,000 $75,000 $0 5.76%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $225,000 $225,000 $2,028 2.50%
    COLUMBUS, IN (FHA|USDA|VA) 1 $225,000 $225,000 $2,850 2.50%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $225,000 $225,000 $2,855 3.38%
    Lebanon, NH-VT (FHA|USDA|VA) 1 $225,000 $225,000 $1,793 2.25%
    MAYAGÜEZ, PR (FHA|USDA|VA) 2 $220,000 $110,000 $4,258 2.19%
    Clarksburg, WV (FHA|USDA|VA) 2 $220,000 $110,000 $2,686 3.13%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $215,000 $215,000 $2,425 2.63%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $215,000 $215,000 $2,341 2.63%
    WHEELING, WV-OH (FHA|USDA|VA) 1 $215,000 $215,000 $2,798 2.75%
    TYLER, TX (FHA|USDA|VA) 1 $215,000 $215,000 $4,078 4.00%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $215,000 $215,000 $3,030 2.38%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $205,000 $205,000 $2,757 3.13%
    Warsaw, IN (FHA|USDA|VA) 1 $205,000 $205,000 $2,199 3.25%
    PITTSFIELD, MA (FHA|USDA|VA) 1 $205,000 $205,000 $3,612 2.38%
    Seneca, SC (FHA|USDA|VA) 1 $205,000 $205,000 $2,911 3.00%
    Freeport, IL (FHA|USDA|VA) 1 $205,000 $205,000 $3,306 2.75%
    BLOOMINGTON, IL (FHA|USDA|VA) 1 $205,000 $205,000 $2,258 3.00%
    Seymour, IN (FHA|USDA|VA) 2 $200,000 $100,000 $1,995 2.62%
    Burlington, IA-IL (FHA|USDA|VA) 1 $195,000 $195,000 $2,460 3.25%
    ODESSA, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,635 2.25%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,356 2.38%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $195,000 $195,000 $4,533 3.88%
    SIOUX FALLS, SD (FHA|USDA|VA) 1 $195,000 $195,000 $2,677 3.13%
    Pahrump, NV (FHA|USDA|VA) 1 $195,000 $195,000 $2,425 3.00%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $185,000 $185,000 $2,450 3.00%
    URBAN HONOLULU, HI (FHA|USDA|VA) 1 $185,000 $185,000 $3,217 2.38%
    Kirksville, MO (FHA|USDA|VA) 1 $185,000 $185,000 $2,201 3.00%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $180,000 $90,000 $2,912 2.81%
    Marion, OH (FHA|USDA|VA) 2 $180,000 $90,000 $1,625 3.50%
    Marshall, MN (FHA|USDA|VA) 1 $175,000 $175,000 $2,385 2.38%
    JOPLIN, MO (FHA|USDA|VA) 1 $175,000 $175,000 $3,073 2.88%
    Durango, CO (FHA|USDA|VA) 1 $175,000 $175,000 $2,290 2.38%
    Jacksonville, TX (FHA|USDA|VA) 2 $170,000 $85,000 $3,306 3.00%
    SAN ANGELO, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,648 2.25%
    Hutchinson, MN (FHA|USDA|VA) 1 $165,000 $165,000 $3,322 3.50%
    LOGAN, UT-ID (FHA|USDA|VA) 1 $165,000 $165,000 $1,950 2.88%
    Gloversville, NY (FHA|USDA|VA) 1 $165,000 $165,000 $2,885 2.50%
    Zanesville, OH (FHA|USDA|VA) 2 $160,000 $80,000 $2,531 2.56%
    GUAYAMA, PR (FHA|USDA|VA) 2 $160,000 $80,000 $3,995 2.75%
    LUBBOCK, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,118 2.25%
    ROME, GA (FHA|USDA|VA) 1 $155,000 $155,000 $3,233 2.88%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $155,000 $155,000 $3,362 2.13%
    Sidney, OH (FHA|USDA|VA) 1 $155,000 $155,000 $1,840 2.38%
    Ottawa, IL (FHA|USDA|VA) 1 $145,000 $145,000 $3,513 3.50%
    PINE BLUFF, AR (FHA|USDA|VA) 1 $145,000 $145,000 $0 2.99%
    Madison, IN (FHA|USDA|VA) 1 $145,000 $145,000 $2,445 2.63%
    Montrose, CO (FHA|USDA|VA) 1 $145,000 $145,000 $3,410 2.88%
    Bluefield, WV-VA (FHA|USDA|VA) 1 $145,000 $145,000 $2,774 2.88%
    Lewistown, PA (FHA|USDA|VA) 1 $135,000 $135,000 $3,217 3.00%
    Sulphur Springs, TX (FHA|USDA|VA) 1 $135,000 $135,000 $3,461 2.38%
    Fernley, NV (FHA|USDA|VA) 1 $125,000 $125,000 $2,506 3.13%
    Somerset, PA (FHA|USDA|VA) 1 $125,000 $125,000 $3,470 2.38%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.50%
    Big Stone Gap, VA (FHA|USDA|VA) 1 $125,000 $125,000 $2,310 2.38%
    Houghton, MI (FHA|USDA|VA) 1 $125,000 $125,000 $2,415 2.25%
    Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $125,000 $125,000 $3,786 2.88%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $125,000 $125,000 $3,146 2.38%
    Rolla, MO (FHA|USDA|VA) 2 $120,000 $60,000 $1,818 3.00%
    Stevens Point, WI (FHA|USDA|VA) 2 $120,000 $60,000 $0 5.13%
    Cullowhee, NC (FHA|USDA|VA) 1 $115,000 $115,000 $3,242 3.88%
    FLINT, MI (FHA|USDA|VA) 1 $105,000 $105,000 $2,920 2.75%
    Winona, MN (FHA|USDA|VA) 1 $105,000 $105,000 $2,190 2.50%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.00%
    KINGSTON, NY (FHA|USDA|VA) 1 $105,000 $105,000 $2,057 2.25%
    Crawfordsville, IN (FHA|USDA|VA) 1 $105,000 $105,000 $2,505 3.38%
    Starkville, MS (FHA|USDA|VA) 1 $105,000 $105,000 $2,467 3.00%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $105,000 $105,000 $2,891 3.13%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.00%
    YAUCO, PR (FHA|USDA|VA) 1 $105,000 $105,000 $5,442 2.50%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 2 $100,000 $50,000 $1,182 3.25%
    ERIE, PA (FHA|USDA|VA) 1 $95,000 $95,000 $2,946 2.88%
    DECATUR, AL (FHA|USDA|VA) 1 $95,000 $95,000 $2,163 2.88%
    Cookeville, TN (FHA|USDA|VA) 1 $95,000 $95,000 $2,895 2.88%
    KANKAKEE, IL (FHA|USDA|VA) 1 $95,000 $95,000 $1,682 2.00%
    Martinsville, VA (FHA|USDA|VA) 1 $95,000 $95,000 $2,260 2.75%
    Waycross, GA (FHA|USDA|VA) 1 $95,000 $95,000 $3,644 2.25%
    West Plains, MO (FHA|USDA|VA) 1 $85,000 $85,000 $2,209 2.50%
    Richmond, IN (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.75%
    New Castle, IN (FHA|USDA|VA) 1 $85,000 $85,000 $1,728 2.88%
    Barre, VT (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.50%
    Baraboo, WI (FHA|USDA|VA) 1 $75,000 $75,000 $2,716 3.63%
    CHEYENNE, WY (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.38%
    Salina, KS (FHA|USDA|VA) 1 $75,000 $75,000 $2,043 2.88%
    Coco, PR (FHA|USDA|VA) 1 $75,000 $75,000 $1,697 2.88%
    Rochelle, IL (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.13%
    OWENSBORO, KY (FHA|USDA|VA) 1 $75,000 $75,000 $2,828 3.25%
    Silver City, NM (FHA|USDA|VA) 1 $65,000 $65,000 $2,307 2.50%
    Gillette, WY (FHA|USDA|VA) 1 $65,000 $65,000 $1,523 2.88%
    Lebanon, MO (FHA|USDA|VA) 1 $65,000 $65,000 $2,441 2.13%
    Peru, IN (FHA|USDA|VA) 1 $65,000 $65,000 $2,001 3.25%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.13%
    Amsterdam, NY (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.00%
    Bellefontaine, OH (FHA|USDA|VA) 1 $65,000 $65,000 $2,816 2.25%
    Iron Mountain, MI-WI (FHA|USDA|VA) 1 $65,000 $65,000 $2,315 3.25%
    Athens, TN (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.50%
    Cambridge, MD (FHA|USDA|VA) 1 $55,000 $55,000 $2,190 2.38%
    Cullman, AL (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.50%
    LAREDO, TX (FHA|USDA|VA) 1 $45,000 $45,000 $2,748 3.63%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $45,000 $45,000 $2,475 3.25%
    Fairmont, WV (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.73%
    VALLEJO, CA (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.25%
    Jefferson, GA (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.00%
    Marquette, MI (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.50%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $35,000 $35,000 $0 3.50%
    Tupelo, MS (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.00%
    CHARLESTON, WV (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.89%
    Baxter Credit Union's top markets include Chicago, Minneapolis, Los Angeles, Columbus, and Boston among others.

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,800 $1,712,160,000 $295,200 $2,885 2.94%
    HELOC 1,135 $142,135,000 $125,229 n/a 3.72%

    For 2021, Baxter Credit Union's most frequently originated type of loan was Conventional, with 5,800 originations. Their 2nd most popular type was HELOC, with 1,135 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 2,209 $559,915,000 $253,470 $2,446 2.66%
    Home Purchase 1,762 $669,530,000 $379,983 $4,288 2.95%
    Cash Out Refi 1,609 $461,665,000 $286,927 $2,588 3.08%
    Home Improvement 852 $82,370,000 $96,678 $331 3.92%
    Other 503 $80,815,000 $160,666 $1,404 3.79%

    For 2021, Baxter Credit Union's most frequently cited loan purpose was Refi, with 2,209 originations. The 2nd most popular reason was Home Purchase, with 1,762 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,136 $1,147,800,000 $366,008 $3,581 2.95%
    15 Year 1,364 $284,180,000 $208,343 $2,333 2.59%
    10 Year 1,097 $125,085,000 $114,025 $1,641 3.56%
    20 Year 936 $186,060,000 $198,782 $1,815 3.38%
    5 Year 395 $108,325,000 $274,241 $0 3.44%
    Other 7 $2,845,000 $406,429 $0 6.23%

    For 2021, Baxter Credit Union's most frequently cited loan duration was 30 Year, with 3,136 originations. The 2nd most popular length was 15 Year, with 1,364 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 4,498 $1,304,780,000 $290,080
    $1k-2k 866 $198,770,000 $229,527
    $2k-3k 226 $70,840,000 $313,451
    $3k-4k 83 $25,515,000 $307,410
    $5k+ 73 $55,155,000 $755,548
    $4k-5k 26 $9,910,000 $381,154

    Baxter Credit Union's average total fees were $3,581, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,498 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 2,785 $792,705,000 $284,634
    3-4% 1,793 $494,445,000 $275,764
    <2.5% 1,720 $513,570,000 $298,587
    4-5% 335 $30,315,000 $90,493
    5-6% 256 $20,110,000 $78,555
    7-8% 21 $1,315,000 $62,619
    6-7% 20 $1,500,000 $75,000
    Over 8% 5 $335,000 $67,000

    During 2021, Baxter Credit Union's average interest rate for loans was 2.95%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,785 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,498 $704,750,000 $282,126 $2,988 2.86%
    $100k-200k 1,936 $286,190,000 $147,825 $2,463 2.97%
    $100,000 or less 1,349 $79,465,000 $58,907 $1,077 3.80%
    $400k-600k 725 $346,075,000 $477,345 $3,787 2.85%
    $600k-1MM 290 $215,240,000 $742,207 $4,633 2.81%
    $1MM+ 137 $222,575,000 $1,624,635 $8,167 2.75%

    2021 saw Baxter Credit Union place emphasis on $200k-400k loans with 2,498 originations, totaling $704,750,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,926 $433,390,000 $225,021 $2,678 3.07%
    $150k-250k 1,824 $536,510,000 $294,139 $2,896 3.05%
    $75k-100k 1,024 $197,300,000 $192,676 $2,676 3.09%
    $250k+ 855 $447,005,000 $522,813 $4,011 3.03%
    $50k-75k 811 $127,625,000 $157,367 $2,733 3.11%
    $50k or less 340 $37,840,000 $111,294 $2,801 3.12%

    Baxter Credit Union lent most frequently to those with incomes in the $100k-150k range, with 1,926 originations. The second most popular income band? $150k-250k, with 1,824 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,042 $537,210,000 $263,080 $2,850 2.97%
    30-36% 1,373 $376,425,000 $274,162 $3,032 3.10%
    <20% 896 $209,050,000 $233,315 $2,632 2.79%
    42% 274 $63,510,000 $231,788 $2,662 3.41%
    37% 261 $74,345,000 $284,847 $2,832 3.15%
    40% 253 $65,405,000 $258,518 $2,828 3.23%
    41% 234 $63,130,000 $269,786 $2,920 3.31%
    36% 225 $59,815,000 $265,844 $2,823 3.19%
    39% 219 $62,535,000 $285,548 $2,998 3.22%
    38% 197 $56,395,000 $286,269 $3,092 3.16%
    43% 183 $46,955,000 $256,585 $3,031 3.11%
    44% 162 $42,340,000 $261,358 $3,051 3.16%
    49% 142 $32,980,000 $232,254 $3,115 3.35%
    47% 121 $32,865,000 $271,612 $2,843 3.21%
    45% 108 $30,500,000 $282,407 $3,113 3.16%
    48% 106 $23,510,000 $221,792 $3,173 3.15%
    46% 98 $26,430,000 $269,694 $3,086 3.00%
    50-60% 10 $2,830,000 $283,000 $1,881 3.20%
    >60% 4 $1,050,000 $262,500 $1,919 3.94%

    Baxter Credit Union lent most frequently to those with DTI ratios of 20-30%, with 2,042 originations. The next most common DTI ratio? 30-36%, with 1,373 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,425 $1,114,375,000 $251,836 $2,788 3.07%
    Not provided 1,674 $439,170,000 $262,348 $2,968 3.07%
    Asian 431 $144,095,000 $334,327 $3,335 2.98%
    Black 317 $93,425,000 $294,716 $3,106 3.15%
    Not applicable 27 $47,015,000 $1,741,296 $0 3.59%
    American Indian 36 $10,610,000 $294,722 $3,401 2.93%
    Asian Indian 8 $2,650,000 $331,250 $4,770 3.03%
    Native Hawaiian or Islander 6 $1,020,000 $170,000 $3,153 3.02%
    Filipino 3 $625,000 $208,333 $4,508 4.46%
    Vietnamese 4 $600,000 $150,000 $1,736 3.25%
    Chinese 1 $425,000 $425,000 $2,470 2.50%
    Other Asian 2 $250,000 $125,000 $1,568 4.00%
    1 $35,000 $35,000 $0 3.50%

    Approval Rates

    Total approvals of all applications
    93.84%

    Baxter Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    58.92%

    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 6,935 $1,854,295,000 $267,382

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    6,935 $1,854,295,000 $267,382

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 888 $151,530,000 $170,642 $1,702 3.44%
    40-60% 1,177 $299,435,000 $254,405 $2,550 2.69%
    60-80% 2,365 $796,875,000 $336,945 $3,094 2.82%
    80-100% 1,464 $528,910,000 $361,277 $3,935 2.94%
    Under 20% 1,040 $77,370,000 $74,394 $215 3.91%