Baxter Credit Union Mortgage Rates, Fees & Info
Vernon Hills, ILLEI: 549300S8SHBRCI7UU819
Tax ID: 23-7250155
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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: Minneapolis, Chicago, Los Angeles, Boston, and Columbus among others. We have data for 271 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 5.85% | 11/22/24 |
| 30 Year Conventional Purchase | 6.67% | 11/22/24 |
| 30 Year Conventional Refi | 6.58% | 11/22/24 |
| 30 Year Cash-out Refi | 6.63% | 11/22/24 |
| 15 Year Conventional Purchase | 6.04% | 11/22/24 |
| 15 Year Conventional Refi | 6.10% | 11/22/24 |
| 15 Year Cash-out Refi | 6.10% | 11/22/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Baxter Credit Union Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Baxter Credit Union. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,947Origination Dollar Volume (All Markets)
$764,045,000Awards
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Baxter Credit Union - 2018
Baxter Credit Union is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 860 | $177,300,000 | $206,163 | $3,084 | 4.91% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1,016 | $158,650,000 | $156,152 | $3,413 | 5.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 253 | $81,505,000 | $322,154 | $4,921 | 4.87% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 50 | $24,400,000 | $488,000 | $4,301 | 4.80% |
| COLUMBUS, OH (FHA|USDA|VA) | 152 | $24,250,000 | $159,539 | $2,893 | 5.23% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 89 | $19,765,000 | $222,079 | $4,416 | 5.10% |
| Outside of Metro Areas | 96 | $12,300,000 | $128,125 | $2,405 | 4.86% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 61 | $11,625,000 | $190,574 | $3,310 | 4.72% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 26 | $11,520,000 | $443,077 | $4,324 | 4.50% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 52 | $9,770,000 | $187,885 | $3,750 | 5.28% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 21 | $8,735,000 | $415,952 | $4,463 | 5.12% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 43 | $8,575,000 | $199,419 | $3,228 | 4.75% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 26 | $8,540,000 | $328,462 | $4,055 | 4.60% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 27 | $6,085,000 | $225,370 | $3,447 | 4.70% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 10 | $5,230,000 | $523,000 | $3,927 | 4.45% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 29 | $5,205,000 | $179,483 | $4,670 | 5.22% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 18 | $5,200,000 | $288,889 | $2,544 | 4.85% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 35 | $5,005,000 | $143,000 | $3,848 | 5.35% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 27 | $5,005,000 | $185,370 | $2,385 | 4.99% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 37 | $4,955,000 | $133,919 | $2,542 | 4.93% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 23 | $4,945,000 | $215,000 | $3,384 | 4.98% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 21 | $4,895,000 | $233,095 | $3,268 | 4.71% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 23 | $4,885,000 | $212,391 | $2,606 | 5.52% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 27 | $4,715,000 | $174,630 | $3,812 | 5.10% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 23 | $4,405,000 | $191,522 | $2,143 | 5.57% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 27 | $4,345,000 | $160,926 | $2,523 | 5.31% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 26 | $4,230,000 | $162,692 | $2,812 | 5.11% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 24 | $3,970,000 | $165,417 | $2,187 | 4.70% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 14 | $3,690,000 | $263,571 | $2,664 | 4.84% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 15 | $3,475,000 | $231,667 | $4,561 | 4.37% |
| ASHEVILLE, NC (FHA|USDA|VA) | 10 | $3,000,000 | $300,000 | $2,562 | 4.33% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 14 | $2,990,000 | $213,571 | $3,162 | 5.98% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 17 | $2,775,000 | $163,235 | $3,503 | 5.19% |
| Whitewater, WI (FHA|USDA|VA) | 13 | $2,695,000 | $207,308 | $2,395 | 4.88% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 18 | $2,670,000 | $148,333 | $3,055 | 5.31% |
| Mountain Home, AR (FHA|USDA|VA) | 29 | $2,665,000 | $91,897 | $2,482 | 5.09% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 11 | $2,605,000 | $236,818 | $3,542 | 4.59% |
| DULUTH, MN-WI (FHA|USDA|VA) | 20 | $2,530,000 | $126,500 | $2,292 | 5.06% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 11 | $2,425,000 | $220,455 | $4,003 | 4.77% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 11 | $2,425,000 | $220,455 | $4,018 | 4.84% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 9 | $2,265,000 | $251,667 | $3,090 | 4.75% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 15 | $2,165,000 | $144,333 | $2,794 | 5.10% |
| Cleveland, MS (FHA|USDA|VA) | 26 | $2,120,000 | $81,538 | $2,708 | 5.17% |
| Marion, NC (FHA|USDA|VA) | 25 | $2,025,000 | $81,000 | $2,606 | 5.23% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 12 | $2,020,000 | $168,333 | $3,685 | 4.58% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 14 | $1,990,000 | $142,143 | $2,818 | 4.63% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 9 | $1,775,000 | $197,222 | $2,480 | 5.63% |
| RACINE, WI (FHA|USDA|VA) | 12 | $1,610,000 | $134,167 | $2,086 | 5.09% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 8 | $1,600,000 | $200,000 | $4,292 | 4.95% |
| PITTSBURGH, PA (FHA|USDA|VA) | 13 | $1,555,000 | $119,615 | $4,009 | 5.59% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 6 | $1,510,000 | $251,667 | $2,112 | 4.54% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 10 | $1,480,000 | $148,000 | $2,427 | 5.15% |
| TUCSON, AZ (FHA|USDA|VA) | 9 | $1,475,000 | $163,889 | $3,189 | 5.60% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 5 | $1,435,000 | $287,000 | $2,781 | 4.53% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $2,723 | 4.65% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 6 | $1,310,000 | $218,333 | $3,302 | 4.90% |
| Brainerd, MN (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $2,841 | 4.09% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 7 | $1,265,000 | $180,714 | $4,184 | 5.02% |
| RENO, NV (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $2,969 | 4.31% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 10 | $1,160,000 | $116,000 | $3,809 | 5.36% |
| AGUADILLA-ISABELA, PR (FHA|USDA|VA) | 12 | $1,160,000 | $96,667 | $4,435 | 4.54% |
| JACKSON, MS (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $3,130 | 4.21% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $3,237 | 4.91% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 6 | $1,070,000 | $178,333 | $1,855 | 4.90% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 6 | $1,070,000 | $178,333 | $2,966 | 4.81% |
| SYRACUSE, NY (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $3,270 | 4.21% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $2,943 | 4.13% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 7 | $995,000 | $142,143 | $2,847 | 5.02% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $4,046 | 5.44% |
| GREEN BAY, WI (FHA|USDA|VA) | 9 | $915,000 | $101,667 | $2,258 | 6.09% |
| ROCHESTER, NY (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $4,378 | 5.05% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $4,038 | 4.85% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $4,121 | 4.44% |
| SAN JUAN-BAYAMÓN-CAGUAS, PR (FHA|USDA|VA) | 6 | $900,000 | $150,000 | $4,672 | 3.98% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $4,278 | 4.21% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $4,050 | 4.43% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $2,083 | 4.94% |
| LOUISVILLE, KY (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $2,153 | 4.43% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $2,040 | 4.70% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $2,732 | 4.79% |
| ROCKFORD, IL (FHA|USDA|VA) | 7 | $775,000 | $110,714 | $3,054 | 5.05% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $3,461 | 4.42% |
| MAYAGÜEZ, PR (FHA|USDA|VA) | 5 | $765,000 | $153,000 | $4,750 | 3.98% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $2,214 | 5.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $4,433 | 4.44% |
| FORT COLLINS, CO (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $2,288 | 5.08% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $3,183 | 4.28% |
| Heber, UT (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $2,912 | 5.38% |
| GREELEY, CO (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $0 | 5.44% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,723 | 4.44% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $3,070 | 4.83% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $2,818 | 4.66% |
| AKRON, OH (FHA|USDA|VA) | 5 | $635,000 | $127,000 | $3,060 | 4.95% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $2,320 | 4.25% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $2,273 | 3.88% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $605,000 | $121,000 | $2,315 | 4.83% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $4,875 | 5.00% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $0 | 5.25% |
| Willmar, MN (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,056 | 4.06% |
| MADISON, WI (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $1,225 | 3.88% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $2,014 | 3.88% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 8 | $510,000 | $63,750 | $2,688 | 4.94% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $2,788 | 4.21% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 5 | $505,000 | $101,000 | $1,651 | 5.68% |
| ST. CLOUD, MN (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $2,300 | 4.91% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 3.75% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,730 | 5.63% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 5 | $455,000 | $91,000 | $4,676 | 6.05% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 4.25% |
| SPARTANBURG, SC (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $2,700 | 6.53% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,737 | 4.38% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,169 | 4.50% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 4.38% |
| Hilo, HI (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,847 | 4.25% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,616 | 6.15% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,411 | 4.25% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $2,424 | 4.04% |
| SAN GERMÁN, PR (FHA|USDA|VA) | 5 | $385,000 | $77,000 | $3,502 | 4.63% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,672 | 4.75% |
| Warsaw, IN (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $1,644 | 4.56% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $2,964 | 4.96% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $1,216 | 4.88% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $5,253 | 4.88% |
| APPLETON, WI (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $2,242 | 4.33% |
| Bennington, VT (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,398 | 4.63% |
| ERIE, PA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 3.88% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,428 | 4.38% |
| Stillwater, OK (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 4.50% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,368 | 4.50% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,689 | 4.63% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,417 | 4.63% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,387 | 5.00% |
| Key West, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,150 | 4.19% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,865 | 4.25% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 3.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,353 | 5.63% |
| LINCOLN, NE (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $1,865 | 3.94% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,386 | 4.25% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,710 | 3.88% |
| TULSA, OK (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 4.56% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,448 | 4.75% |
| Greenville, MS (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,682 | 4.69% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 4.50% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,503 | 4.63% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,746 | 3.88% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,851 | 4.88% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,802 | 4.50% |
| Findlay, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 6.06% |
| Grand Rapids, MN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,303 | 5.13% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,023 | 4.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,618 | 5.56% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,933 | 4.50% |
| Rochelle, IL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $1,968 | 5.38% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,695 | 4.63% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 4.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 3.88% |
| Orangeburg, SC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,385 | 4.13% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 4 | $250,000 | $62,500 | $0 | 6.21% |
| Bellefontaine, OH (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,306 | 4.56% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 5.38% |
| BEND, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 3.88% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,260 | 4.38% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,323 | 4.50% |
| Shelby, NC (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,962 | 4.94% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,834 | 5.31% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 4.63% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,785 | 4.13% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,038 | 5.13% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,788 | 4.63% |
| MERCED, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,514 | 4.63% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,269 | 4.50% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $2,227 | 5.63% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,630 | 3.88% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,551 | 4.63% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,545 | 4.75% |
| Hailey, ID (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.25% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,310 | 4.00% |
| West Plains, MO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.63% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.38% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,803 | 3.88% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $2,390 | 5.00% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 5.44% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,208 | 3.88% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,278 | 4.75% |
| PONCE, PR (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $3,744 | 4.50% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 5.38% |
| Mount Vernon, OH (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 6.10% |
| Georgetown, SC (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 5.13% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $3,501 | 6.19% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $3,078 | 5.50% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,378 | 3.49% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,748 | 4.75% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 4.50% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.50% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,876 | 4.88% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,728 | 4.38% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,238 | 4.25% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $2,828 | 4.94% |
| Forest City, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,900 | 4.25% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,878 | 4.38% |
| Gallup, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,678 | 4.50% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 7.75% |
| Durango, CO (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 5.13% |
| Hutchinson, MN (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 5.63% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $2,153 | 5.82% |
| Indianola, MS (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $2,823 | 4.75% |
| Coamo, PR (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $4,078 | 4.06% |
| Mason City, IA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,383 | 4.75% |
| Marquette, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,478 | 4.25% |
| OCALA, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,121 | 5.00% |
| Alexandria, MN (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 5.50% |
| Sterling, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.25% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,894 | 4.00% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.88% |
| Bedford, IN (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $3,473 | 4.38% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $2,224 | 5.63% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,213 | 4.50% |
| Houghton, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.75% |
| Huntingdon, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 3.75% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,930 | 4.63% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.00% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $3,068 | 5.13% |
| Washington, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.25% |
| Batesville, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.00% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.50% |
| Adrian, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,637 | 4.63% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,835 | 4.00% |
| Sonora, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,325 | 5.13% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $2,337 | 5.19% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 6.38% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,962 | 5.00% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,369 | 5.50% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,489 | 4.88% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 4.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,533 | 5.00% |
| GUAYAMA, PR (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $3,558 | 4.63% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 6.44% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $3,185 | 6.31% |
| Hudson, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,791 | 4.63% |
| Wooster, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,550 | 5.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.13% |
| Jayuya, PR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,686 | 4.63% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.25% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.75% |
| READING, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.25% |
| CASPER, WY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.55% |
| Greensburg, IN (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 6.31% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.75% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,188 | 4.75% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.80% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.75% |
| Torrington, CT (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.75% |
| Las Vegas, NM (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.00% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.50% |
| Rock Springs, WY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.75% |
| Marshalltown, IA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.88% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.25% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,077 | 4.50% |
| DOVER, DE (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.63% |
| Storm Lake, IA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 4.13% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.38% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $100 | 5.75% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $1,202 | 3.63% |
| Columbus, MS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $2,865 | 5.13% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.25% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 4.25% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.75% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.75% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.25% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.00% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.25% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 2,973 | $668,885,000 | $224,987 | $3,323 | 4.85% |
| HELOC | 974 | $95,160,000 | $97,700 | n/a | 5.32% |
For 2018, Baxter Credit Union's most frequently originated type of loan was Conventional, with 2,973 originations. Their 2nd most popular type was HELOC, with 974 originations.
Loan Reason
For 2018, Baxter Credit Union's most frequently cited loan purpose was Home Purchase, with 1,674 originations. The 2nd most popular reason was Home Improvement, with 858 originations.
Loan Duration/Length
For 2018, Baxter Credit Union's most frequently cited loan duration was 30 Year, with 1,801 originations. The 2nd most popular length was 10 Year, with 997 originations.
Origination Fees/Closing Costs
Baxter Credit Union's average total fees were $3,537, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,303 originations.
Interest Rates
During 2018, Baxter Credit Union's average interest rate for loans was 4.49%, while their most frequently originated rate bucket for loans was 4-5%, with 2,219 originations.
Loan Sizing
2018 saw Baxter Credit Union place emphasis on $100,000 or less loans with 1,562 originations, totaling $81,650,000 in origination value.
Applicant Income
Baxter Credit Union lent most frequently to those with incomes in the $100k-150k range, with 1,198 originations. The second most popular income band? $150k-250k, with 933 originations.
Applicant Debt to Income Ratio
Baxter Credit Union lent most frequently to those with DTI ratios of 20-30%, with 1,000 originations. The next most common DTI ratio? 30-36%, with 828 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.79%
Baxter Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination75.63%
Baxter Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,947 | $764,045,000 | $193,576 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 23 | $1,635,000 | $71,087 |
| Single Family (1-4 Units):Site-Built | 3,924 | $762,410,000 | $194,294 |