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 small 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, Columbus, and Boston among others. We have data for 276 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 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% | 11/17/24 |
| 30 Year Conventional Purchase | 6.67% | 11/17/24 |
| 30 Year Conventional Refi | 6.58% | 11/17/24 |
| 30 Year Cash-out Refi | 6.63% | 11/17/24 |
| 15 Year Conventional Purchase | 6.04% | 11/17/24 |
| 15 Year Conventional Refi | 6.10% | 11/17/24 |
| 15 Year Cash-out Refi | 6.10% | 11/17/24 |
| 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
4,631Origination Dollar Volume (All Markets)
$1,043,665,000Awards
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Baxter Credit Union - 2019
Baxter Credit Union is a 2019 , due to their low .
For 2019, 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) | 1,052 | $251,450,000 | $239,021 | $3,481 | 4.37% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1,129 | $201,095,000 | $178,118 | $3,498 | 4.63% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 286 | $117,320,000 | $410,210 | $5,218 | 4.38% |
| COLUMBUS, OH (FHA|USDA|VA) | 179 | $32,705,000 | $182,709 | $3,160 | 4.50% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 66 | $30,300,000 | $459,091 | $4,072 | 4.17% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 80 | $24,540,000 | $306,750 | $3,471 | 4.13% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 87 | $18,845,000 | $216,609 | $3,657 | 4.54% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 82 | $16,270,000 | $198,415 | $3,352 | 4.51% |
| Outside of Metro Areas | 106 | $15,780,000 | $148,868 | $3,008 | 4.43% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 82 | $15,110,000 | $184,268 | $4,106 | 4.66% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 57 | $13,255,000 | $232,544 | $5,006 | 4.55% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 38 | $13,120,000 | $345,263 | $2,927 | 4.65% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 46 | $12,060,000 | $262,174 | $4,257 | 4.10% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 40 | $10,860,000 | $271,500 | $4,242 | 4.22% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 26 | $10,400,000 | $400,000 | $2,948 | 4.25% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 59 | $8,545,000 | $144,831 | $2,515 | 4.64% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 31 | $8,435,000 | $272,097 | $2,817 | 4.25% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 23 | $8,375,000 | $364,130 | $3,619 | 4.57% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 37 | $7,575,000 | $204,730 | $3,909 | 4.27% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 25 | $7,175,000 | $287,000 | $3,012 | 4.90% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 26 | $6,060,000 | $233,077 | $3,629 | 4.63% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 22 | $6,060,000 | $275,455 | $4,038 | 4.43% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 31 | $5,745,000 | $185,323 | $2,787 | 4.50% |
| DULUTH, MN-WI (FHA|USDA|VA) | 35 | $5,455,000 | $155,857 | $2,759 | 4.60% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 26 | $5,360,000 | $206,154 | $2,274 | 4.63% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 24 | $5,350,000 | $222,917 | $3,400 | 4.31% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 21 | $5,335,000 | $254,048 | $3,904 | 5.01% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 24 | $5,310,000 | $221,250 | $4,260 | 4.52% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 14 | $5,270,000 | $376,429 | $3,529 | 4.03% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 20 | $4,440,000 | $222,000 | $4,340 | 4.29% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 12 | $4,320,000 | $360,000 | $5,636 | 4.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 17 | $4,225,000 | $248,529 | $2,440 | 4.21% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 15 | $3,945,000 | $263,000 | $5,270 | 4.51% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 14 | $3,870,000 | $276,429 | $3,640 | 4.28% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 13 | $3,835,000 | $295,000 | $3,164 | 4.23% |
| PITTSBURGH, PA (FHA|USDA|VA) | 17 | $3,635,000 | $213,824 | $4,331 | 4.40% |
| Marion, NC (FHA|USDA|VA) | 26 | $3,160,000 | $121,538 | $2,820 | 4.81% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 14 | $3,070,000 | $219,286 | $5,082 | 4.77% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 6 | $2,940,000 | $490,000 | $3,040 | 3.73% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 14 | $2,540,000 | $181,429 | $3,541 | 4.22% |
| Mountain Home, AR (FHA|USDA|VA) | 24 | $2,540,000 | $105,833 | $2,589 | 4.95% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 12 | $2,530,000 | $210,833 | $4,245 | 4.17% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 6 | $2,310,000 | $385,000 | $2,411 | 4.71% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 8 | $2,300,000 | $287,500 | $3,283 | 3.75% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 14 | $2,280,000 | $162,857 | $2,872 | 4.35% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 13 | $2,255,000 | $173,462 | $4,067 | 4.37% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 8 | $2,250,000 | $281,250 | $4,684 | 4.16% |
| Cleveland, MS (FHA|USDA|VA) | 28 | $2,220,000 | $79,286 | $3,202 | 5.69% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 11 | $2,185,000 | $198,636 | $3,466 | 4.03% |
| GREEN BAY, WI (FHA|USDA|VA) | 18 | $2,160,000 | $120,000 | $2,189 | 4.79% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 9 | $2,115,000 | $235,000 | $2,794 | 3.99% |
| Whitewater, WI (FHA|USDA|VA) | 11 | $2,085,000 | $189,545 | $2,799 | 4.15% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 13 | $2,075,000 | $159,615 | $3,645 | 4.45% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 7 | $1,995,000 | $285,000 | $2,869 | 4.59% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 13 | $1,885,000 | $145,000 | $2,581 | 4.76% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 9 | $1,825,000 | $202,778 | $2,782 | 3.90% |
| Brainerd, MN (FHA|USDA|VA) | 8 | $1,750,000 | $218,750 | $3,292 | 3.92% |
| ASHEVILLE, NC (FHA|USDA|VA) | 7 | $1,705,000 | $243,571 | $3,546 | 3.98% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 9 | $1,625,000 | $180,556 | $3,575 | 4.95% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 8 | $1,590,000 | $198,750 | $3,697 | 4.75% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 4 | $1,580,000 | $395,000 | $2,729 | 4.41% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 7 | $1,545,000 | $220,714 | $2,653 | 4.95% |
| TUCSON, AZ (FHA|USDA|VA) | 8 | $1,540,000 | $192,500 | $2,973 | 4.16% |
| RACINE, WI (FHA|USDA|VA) | 8 | $1,450,000 | $181,250 | $2,584 | 4.55% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $3,015 | 4.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 9 | $1,385,000 | $153,889 | $2,809 | 4.26% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 5 | $1,355,000 | $271,000 | $5,515 | 4.18% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $3,463 | 5.00% |
| AKRON, OH (FHA|USDA|VA) | 8 | $1,230,000 | $153,750 | $2,603 | 4.64% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 10 | $1,220,000 | $122,000 | $3,749 | 5.43% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 7 | $1,165,000 | $166,429 | $2,545 | 3.55% |
| Heber, UT (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $3,752 | 5.03% |
| RENO, NV (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $3,087 | 3.69% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $3,456 | 4.66% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 11 | $1,025,000 | $93,182 | $3,375 | 5.35% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $2,806 | 3.88% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $3,774 | 4.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $2,842 | 4.10% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $2,910 | 3.96% |
| COLUMBIA, SC (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $2,598 | 3.65% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $3,049 | 3.88% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 7 | $925,000 | $132,143 | $3,144 | 5.65% |
| LOUISVILLE, KY (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $3,461 | 4.59% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $7,325 | 3.50% |
| SYRACUSE, NY (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $4,011 | 4.25% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $2,432 | 4.71% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $3,998 | 4.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $3,980 | 4.84% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $865,000 | $865,000 | $14,072 | 3.50% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $4,503 | 3.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $11,463 | 4.42% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $4,162 | 3.75% |
| WICHITA, KS (FHA|USDA|VA) | 7 | $815,000 | $116,429 | $2,234 | 3.93% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $3,705 | 4.35% |
| FORT COLLINS, CO (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $2,409 | 4.46% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $2,864 | 3.63% |
| ROCHESTER, MN (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $2,930 | 4.06% |
| MADISON, WI (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $2,806 | 4.00% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $4,860 | 3.17% |
| PROVO-OREM, UT (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $2,924 | 4.69% |
| JACKSON, MS (FHA|USDA|VA) | 7 | $785,000 | $112,143 | $2,783 | 5.47% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $3,468 | 5.08% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $2,433 | 4.06% |
| Lebanon, NH-VT (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $2,901 | 3.88% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $2,477 | 5.75% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $4,549 | 3.69% |
| FARGO, ND-MN (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $2,544 | 4.46% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 5 | $675,000 | $135,000 | $2,426 | 4.82% |
| ANN ARBOR, MI (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $2,648 | 3.21% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $0 | 5.25% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $2,397 | 3.38% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $3,719 | 3.63% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $2,882 | 3.84% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $2,936 | 3.94% |
| Bedford, IN (FHA|USDA|VA) | 5 | $615,000 | $123,000 | $2,271 | 4.83% |
| ROCKFORD, IL (FHA|USDA|VA) | 5 | $615,000 | $123,000 | $3,186 | 4.68% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $2,007 | 3.69% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 6 | $580,000 | $96,667 | $3,814 | 4.71% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,841 | 4.06% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,936 | 3.50% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $3,067 | 4.00% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $2,890 | 4.00% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $3,414 | 3.50% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,260 | 4.50% |
| REDDING, CA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,860 | 4.31% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $2,570 | 4.16% |
| Danville, VA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,027 | 3.88% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $7,233 | 3.56% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $2,301 | 3.69% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $2,102 | 4.71% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,885 | 3.13% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,623 | 4.25% |
| Alexandria, MN (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $2,820 | 4.31% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $3,380 | 5.23% |
| ST. CLOUD, MN (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $2,631 | 3.71% |
| Spirit Lake, IA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $5,493 | 3.50% |
| SAN GERMÁN, PR (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $3,965 | 4.38% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,047 | 4.06% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $6,376 | 3.75% |
| Indianola, MS (FHA|USDA|VA) | 5 | $415,000 | $83,000 | $3,165 | 4.25% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,954 | 3.81% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,914 | 5.13% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,045 | 3.88% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $1,088 | 4.25% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,587 | 3.75% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,948 | 3.88% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $4,246 | 5.21% |
| FORT WAYNE, IN (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $2,245 | 4.92% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,125 | 4.06% |
| Arecibo, PR (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $4,336 | 4.46% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,188 | 4.75% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $3,019 | 4.65% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,839 | 3.13% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,991 | 4.25% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,022 | 4.00% |
| LINCOLN, NE (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,265 | 3.56% |
| AGUADILLA-ISABELA, PR (FHA|USDA|VA) | 4 | $330,000 | $82,500 | $5,437 | 4.38% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,157 | 3.13% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,937 | 4.00% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,025 | 4.25% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,170 | 4.94% |
| Edwards, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,201 | 5.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $3,788 | 3.83% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,407 | 4.63% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,246 | 3.81% |
| SAN JUAN-BAYAMÓN-CAGUAS, PR (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,025 | 4.31% |
| Keene, NH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,850 | 4.50% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,767 | 4.00% |
| READING, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,654 | 4.38% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,876 | 4.50% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,160 | 5.69% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,734 | 4.13% |
| Seneca, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,171 | 4.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $2,676 | 3.75% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,685 | 3.63% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $1,194 | 4.56% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,986 | 3.88% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 4.88% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,174 | 3.88% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,767 | 3.50% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,646 | 3.88% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,235 | 3.63% |
| MERCED, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,180 | 3.63% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $3,612 | 4.92% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,053 | 4.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,873 | 3.94% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,592 | 4.13% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,088 | 3.88% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,628 | 3.63% |
| CHARLESTON, WV (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,711 | 3.56% |
| Urbana, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,238 | 4.75% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,163 | 4.31% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,970 | 4.00% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,490 | 3.88% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,193 | 3.88% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,914 | 3.88% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $2,537 | 4.88% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,371 | 3.13% |
| Searcy, AR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,098 | 3.50% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,215 | 4.00% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,766 | 4.25% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,329 | 3.88% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,162 | 4.63% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,817 | 4.13% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,873 | 3.50% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,839 | 4.25% |
| Zanesville, OH (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $3,362 | 5.50% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,585 | 4.00% |
| Mount Pleasant, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,526 | 3.13% |
| Lake City, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,196 | 4.38% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,250 | 3.25% |
| Sidney, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,690 | 3.00% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $2,880 | 3.69% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $2,522 | 4.94% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,800 | 3.75% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,299 | 5.00% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,716 | 3.88% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,375 | 4.25% |
| WACO, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,983 | 3.75% |
| TULSA, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,078 | 3.13% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,134 | 3.63% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.00% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,082 | 3.75% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,208 | 3.38% |
| Forest City, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,006 | 4.25% |
| TYLER, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,655 | 4.25% |
| Coamo, PR (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $4,055 | 4.44% |
| Columbus, NE (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 8.25% |
| Fernley, NV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,425 | 3.88% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,029 | 3.13% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.75% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,827 | 3.63% |
| Fairmont, MN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,962 | 4.25% |
| Shelby, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,437 | 3.75% |
| Somerset, KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,533 | 4.00% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,826 | 3.13% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 4.13% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.75% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.25% |
| Boone, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,368 | 3.00% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,596 | 4.63% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,897 | 3.00% |
| Marshall, MN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,477 | 4.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,365 | 4.50% |
| GUAYAMA, PR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,651 | 4.38% |
| Greensburg, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.00% |
| Shawano, WI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,216 | 4.25% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,899 | 3.88% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,798 | 4.00% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.88% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,685 | 3.25% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,913 | 4.25% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.63% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,731 | 4.88% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.88% |
| PONCE, PR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,144 | 5.25% |
| Hilo, HI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.00% |
| Crossville, TN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.38% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.50% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.39% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.00% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.13% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.63% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.13% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.16% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.63% |
| ELMIRA, NY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.38% |
| FLINT, MI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $75 | 6.55% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.69% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.88% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 7.00% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 7.50% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.50% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 3.25% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.00% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.00% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 3,801 | $963,305,000 | $253,435 | $3,551 | 4.21% |
| HELOC | 830 | $80,360,000 | $96,819 | n/a | 5.70% |
For 2019, Baxter Credit Union's most frequently originated type of loan was Conventional, with 3,801 originations. Their 2nd most popular type was HELOC, with 830 originations.
Loan Reason
For 2019, Baxter Credit Union's most frequently cited loan purpose was Home Purchase, with 1,878 originations. The 2nd most popular reason was Other, with 972 originations.
Loan Duration/Length
For 2019, Baxter Credit Union's most frequently cited loan duration was 30 Year, with 2,319 originations. The 2nd most popular length was 10 Year, with 859 originations.
Origination Fees/Closing Costs
Baxter Credit Union's average total fees were $3,840, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,528 originations.
Interest Rates
During 2019, Baxter Credit Union's average interest rate for loans was 3.96%, while their most frequently originated rate bucket for loans was 3-4%, with 2,031 originations.
Loan Sizing
2019 saw Baxter Credit Union place emphasis on $200k-400k loans with 1,470 originations, totaling $414,680,000 in origination value.
Applicant Income
Baxter Credit Union lent most frequently to those with incomes in the $100k-150k range, with 1,378 originations. The second most popular income band? $150k-250k, with 1,124 originations.
Applicant Debt to Income Ratio
Baxter Credit Union lent most frequently to those with DTI ratios of 20-30%, with 1,284 originations. The next most common DTI ratio? 30-36%, with 979 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.35%
Baxter Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination74.09%
Baxter Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,631 | $1,043,665,000 | $225,365 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 30 | $2,580,000 | $86,000 |
| Single Family (1-4 Units):Site-Built | 4,601 | $1,041,085,000 | $226,274 |