Baxter Credit Union Mortgage Rates, Fees & Info

Vernon Hills, IL

LEI: 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

2,812

Origination Dollar Volume (All Markets)

$639,990,000
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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%
Baxter Credit Union's top markets include Chicago, Minneapolis, Los Angeles, Miami, and Boston among others.

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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 893 $98,555,000 $110,364 $817 8.44%
    Home Purchase 869 $369,825,000 $425,575 $5,222 6.70%
    Other 703 $92,795,000 $131,999 $1,265 8.54%
    Cash Out Refi 291 $55,065,000 $189,227 $1,745 7.94%
    Refi 56 $23,750,000 $424,107 $2,933 6.35%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 870 $380,220,000 $437,034 $5,185 6.62%
    10 Year 798 $85,420,000 $107,043 $889 8.27%
    20 Year 529 $67,205,000 $127,042 $1,078 8.47%
    5 Year 367 $79,145,000 $215,654 $0 8.61%
    15 Year 246 $27,850,000 $113,211 $1,406 8.13%
    Other 2 $150,000 $75,000 $1,148 12.40%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 857 $339,095,000 $395,677
    $<1k 821 $90,075,000 $109,714
    $5k+ 57 $34,535,000 $605,877
    $2k-3k 28 $12,450,000 $444,643
    $3k-4k 16 $4,460,000 $278,750
    $4k-5k 15 $4,485,000 $299,000

    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

    Loan Rate Originations Total Value Average Loan
    Over 8% 1,305 $146,105,000 $111,958
    6-7% 781 $309,245,000 $395,960
    7-8% 589 $104,455,000 $177,343
    5-6% 132 $79,280,000 $600,606
    4-5% 4 $710,000 $177,500
    3-4% 1 $195,000 $195,000

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,083 $62,645,000 $57,844 $826 8.58%
    $100k-200k 685 $94,105,000 $137,380 $2,210 7.95%
    $200k-400k 624 $176,840,000 $283,397 $4,126 7.18%
    $400k-600k 237 $113,865,000 $480,443 $5,095 6.81%
    $600k-1MM 124 $90,570,000 $730,403 $6,632 6.64%
    $1MM+ 59 $101,965,000 $1,728,220 $11,726 6.45%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 834 $190,610,000 $228,549 $3,154 7.81%
    $100k-150k 731 $115,565,000 $158,092 $2,494 7.94%
    $250k+ 518 $239,220,000 $461,815 $5,191 7.55%
    $75k-100k 362 $40,140,000 $110,884 $2,208 8.02%
    $50k-75k 246 $23,050,000 $93,699 $2,181 8.02%
    $50k or less 70 $5,270,000 $75,286 $2,349 7.81%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 516 $115,330,000 $223,508 $3,233 7.61%
    30-36% 460 $102,090,000 $221,935 $3,313 7.65%
    49% 261 $46,015,000 $176,303 $2,009 8.28%
    48% 148 $28,130,000 $190,068 $2,535 8.25%
    <20% 140 $40,150,000 $286,786 $5,025 7.32%
    39% 124 $25,950,000 $209,274 $3,391 7.83%
    46% 121 $30,165,000 $249,298 $3,118 8.02%
    47% 118 $22,780,000 $193,051 $2,832 8.15%
    43% 115 $21,975,000 $191,087 $2,309 8.09%
    42% 110 $26,770,000 $243,364 $3,362 7.78%
    41% 108 $24,100,000 $223,148 $3,155 7.80%
    45% 107 $18,675,000 $174,533 $2,185 8.16%
    44% 102 $20,030,000 $196,373 $2,720 8.03%
    40% 96 $25,070,000 $261,146 $3,534 7.76%
    38% 94 $24,070,000 $256,064 $3,218 7.85%
    36% 93 $20,725,000 $222,849 $3,295 7.69%
    37% 72 $20,960,000 $291,111 $3,083 7.88%
    50-60% 10 $6,570,000 $657,000 $3,864 8.05%
    >60% 6 $2,760,000 $460,000 $1,886 7.10%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,858 $375,450,000 $202,072 $2,957 7.86%
    Not provided 596 $159,760,000 $268,054 $3,304 7.84%
    Asian 170 $49,960,000 $293,882 $3,760 7.67%
    Black 151 $32,665,000 $216,325 $3,302 7.82%
    Not applicable 11 $17,675,000 $1,606,818 $0 6.37%
    American Indian 21 $3,135,000 $149,286 $2,929 8.21%
    Filipino 1 $625,000 $625,000 $5,945 6.88%
    Asian Indian 1 $415,000 $415,000 $1,930 5.63%
    Native Hawaiian or Islander 2 $170,000 $85,000 $645 7.94%
    Japanese 1 $135,000 $135,000 $5,335 6.88%

    Approval Rates

    Total approvals of all applications
    79.13%

    Baxter Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    67.35%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,812 $639,990,000 $227,592

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 685 $108,415,000 $158,270 $1,276 8.36%
    40-60% 221 $63,165,000 $285,814 $3,377 7.31%
    60-80% 354 $166,560,000 $470,508 $5,135 6.71%
    80-100% 493 $216,585,000 $439,320 $5,404 6.66%
    Under 20% 1,059 $85,265,000 $80,515 $703 8.53%