Baxter Credit Union Mortgage Rates, Fees & Info

Vernon Hills, IL

LEI: 549300S8SHBRCI7UU819

Tax ID: 23-7250155

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • 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 and 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 346 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.

    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) 5.85% 11/21/24
    30 Year Conventional Purchase 6.67% 11/21/24
    30 Year Conventional Refi 6.58% 11/21/24
    30 Year Cash-out Refi 6.63% 11/21/24
    15 Year Conventional Purchase 6.04% 11/21/24
    15 Year Conventional Refi 6.10% 11/21/24
    15 Year Cash-out Refi 6.10% 11/21/24
    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

    6,322

    Origination Dollar Volume (All Markets)

    $1,705,630,000
    Show all (16) awards

    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) 1,548 $416,520,000 $269,070 $2,769 3.29%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1,528 $354,950,000 $232,297 $2,554 3.33%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 407 $202,275,000 $496,990 $4,249 3.31%
    COLUMBUS, OH (FHA|USDA|VA) 209 $48,965,000 $234,282 $2,491 3.46%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 92 $37,900,000 $411,957 $3,163 3.19%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 99 $27,585,000 $278,636 $2,960 3.51%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 103 $27,535,000 $267,330 $4,037 3.33%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 75 $23,015,000 $306,867 $4,551 3.51%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 36 $22,570,000 $626,944 $3,253 3.11%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 106 $22,340,000 $210,755 $2,546 3.53%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 75 $22,265,000 $296,867 $2,920 3.28%
    Outside of Metro Areas 104 $21,140,000 $203,269 $2,729 3.25%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 40 $16,120,000 $403,000 $3,450 3.23%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 51 $15,555,000 $305,000 $2,384 3.32%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 47 $15,345,000 $326,489 $3,307 3.47%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 48 $13,770,000 $286,875 $2,631 3.31%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 18 $13,710,000 $761,667 $3,744 2.95%
    WORCESTER, MA-CT (FHA|USDA|VA) 45 $13,135,000 $291,889 $2,995 3.11%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 54 $12,880,000 $238,519 $2,630 3.38%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 46 $12,560,000 $273,043 $2,702 3.31%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 42 $11,830,000 $281,667 $3,628 3.26%
    BLOOMINGTON, IN (FHA|USDA|VA) 65 $11,605,000 $178,538 $2,212 3.54%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 38 $11,590,000 $305,000 $3,892 3.40%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 22 $10,760,000 $489,091 $3,080 3.15%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 39 $9,965,000 $255,513 $2,491 3.18%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 51 $9,635,000 $188,922 $2,673 3.79%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 35 $7,905,000 $225,857 $3,134 3.43%
    RALEIGH-CARY, NC (FHA|USDA|VA) 28 $7,430,000 $265,357 $2,770 3.21%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 27 $7,025,000 $260,185 $3,931 3.00%
    SALT LAKE CITY, UT (FHA|USDA|VA) 25 $6,815,000 $272,600 $3,008 3.62%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 30 $6,520,000 $217,333 $2,061 3.22%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 15 $5,285,000 $352,333 $2,506 3.13%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 24 $5,160,000 $215,000 $2,078 3.77%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 24 $5,030,000 $209,583 $3,643 3.38%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 26 $4,920,000 $189,231 $3,227 3.25%
    DULUTH, MN-WI (FHA|USDA|VA) 34 $4,740,000 $139,412 $2,074 3.24%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 16 $4,680,000 $292,500 $3,729 3.16%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 13 $4,505,000 $346,538 $3,876 3.47%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 18 $4,180,000 $232,222 $2,938 3.88%
    Whitewater, WI (FHA|USDA|VA) 19 $4,105,000 $216,053 $2,186 3.45%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 21 $4,085,000 $194,524 $2,525 3.54%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 10 $4,000,000 $400,000 $3,143 3.54%
    Mountain Home, AR (FHA|USDA|VA) 32 $3,900,000 $121,875 $2,293 3.62%
    JACKSONVILLE, FL (FHA|USDA|VA) 15 $3,785,000 $252,333 $2,896 3.23%
    MADISON, WI (FHA|USDA|VA) 11 $3,745,000 $340,455 $2,447 3.27%
    TUCSON, AZ (FHA|USDA|VA) 15 $3,565,000 $237,667 $2,543 3.43%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 10 $3,470,000 $347,000 $3,258 3.27%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 9 $3,455,000 $383,889 $2,462 3.29%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 13 $3,365,000 $258,846 $3,884 3.54%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 10 $3,230,000 $323,000 $3,746 3.23%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 14 $3,150,000 $225,000 $2,901 3.03%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 8 $3,040,000 $380,000 $3,227 3.33%
    RICHMOND, VA (FHA|USDA|VA) 6 $3,030,000 $505,000 $3,969 2.90%
    PITTSBURGH, PA (FHA|USDA|VA) 14 $2,920,000 $208,571 $3,895 3.29%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $2,825,000 $565,000 $5,124 3.25%
    Heber, UT (FHA|USDA|VA) 6 $2,790,000 $465,000 $3,489 3.88%
    PROVO-OREM, UT (FHA|USDA|VA) 9 $2,745,000 $305,000 $3,537 3.11%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 11 $2,735,000 $248,636 $3,614 3.51%
    BOULDER, CO (FHA|USDA|VA) 6 $2,710,000 $451,667 $2,501 2.87%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $2,650,000 $662,500 $4,504 3.06%
    Cleveland, MS (FHA|USDA|VA) 26 $2,630,000 $101,154 $2,014 3.64%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 19 $2,625,000 $138,158 $2,083 3.72%
    BEND, OR (FHA|USDA|VA) 8 $2,550,000 $318,750 $5,335 3.38%
    KNOXVILLE, TN (FHA|USDA|VA) 11 $2,535,000 $230,455 $3,193 3.66%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 13 $2,535,000 $195,000 $2,981 3.41%
    GREEN BAY, WI (FHA|USDA|VA) 14 $2,450,000 $175,000 $2,302 3.63%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 6 $2,410,000 $401,667 $3,537 3.15%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 5 $2,355,000 $471,000 $3,977 2.93%
    Marion, NC (FHA|USDA|VA) 20 $2,270,000 $113,500 $2,273 3.84%
    ASHEVILLE, NC (FHA|USDA|VA) 7 $2,115,000 $302,143 $3,242 3.32%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 13 $2,115,000 $162,692 $2,274 3.58%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 10 $2,030,000 $203,000 $3,755 3.36%
    Edwards, CO (FHA|USDA|VA) 1 $1,845,000 $1,845,000 $3,545 3.00%
    RACINE, WI (FHA|USDA|VA) 7 $1,825,000 $260,714 $2,295 2.95%
    RENO, NV (FHA|USDA|VA) 6 $1,810,000 $301,667 $3,004 4.31%
    Brainerd, MN (FHA|USDA|VA) 5 $1,805,000 $361,000 $3,189 3.23%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $1,740,000 $435,000 $3,069 3.28%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 8 $1,710,000 $213,750 $3,096 2.67%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 9 $1,655,000 $183,889 $3,715 3.32%
    ALBUQUERQUE, NM (FHA|USDA|VA) 8 $1,620,000 $202,500 $3,650 3.56%
    BOISE CITY, ID (FHA|USDA|VA) 5 $1,605,000 $321,000 $3,871 3.13%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 5 $1,605,000 $321,000 $2,763 3.08%
    ROCHESTER, NY (FHA|USDA|VA) 9 $1,605,000 $178,333 $2,797 2.69%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 7 $1,595,000 $227,857 $2,379 3.29%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 11 $1,505,000 $136,818 $2,694 3.86%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 7 $1,495,000 $213,571 $4,432 3.68%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 6 $1,490,000 $248,333 $2,965 3.31%
    THE VILLAGES, FL (FHA|USDA|VA) 5 $1,485,000 $297,000 $3,000 2.93%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 5 $1,485,000 $297,000 $3,265 2.93%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 7 $1,485,000 $212,143 $2,315 3.55%
    OCEAN CITY, NJ (FHA|USDA|VA) 3 $1,395,000 $465,000 $4,811 2.87%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 6 $1,390,000 $231,667 $2,505 2.79%
    WILMINGTON, NC (FHA|USDA|VA) 7 $1,355,000 $193,571 $4,762 3.52%
    READING, PA (FHA|USDA|VA) 4 $1,300,000 $325,000 $4,228 2.97%
    LOUISVILLE, KY (FHA|USDA|VA) 7 $1,295,000 $185,000 $2,924 3.32%
    Key West, FL (FHA|USDA|VA) 3 $1,255,000 $418,333 $3,189 3.50%
    NILES, MI (FHA|USDA|VA) 2 $1,210,000 $605,000 $2,946 2.56%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $1,190,000 $297,500 $2,303 3.19%
    COLUMBIA, SC (FHA|USDA|VA) 2 $1,180,000 $590,000 $2,868 3.13%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 4 $1,170,000 $292,500 $5,202 3.41%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 5 $1,145,000 $229,000 $2,412 2.90%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 7 $1,145,000 $163,571 $2,286 3.57%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $1,125,000 $225,000 $4,260 2.70%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 10 $1,110,000 $111,000 $1,861 4.11%
    BAKERSFIELD, CA (FHA|USDA|VA) 5 $1,105,000 $221,000 $3,137 3.15%
    Alexandria, MN (FHA|USDA|VA) 3 $1,105,000 $368,333 $3,443 3.08%
    Faribault-Northfield, MN (FHA|USDA|VA) 3 $1,005,000 $335,000 $4,055 2.88%
    ST. CLOUD, MN (FHA|USDA|VA) 6 $990,000 $165,000 $2,183 3.17%
    Bozeman, MT (FHA|USDA|VA) 3 $985,000 $328,333 $2,362 3.13%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $975,000 $325,000 $3,026 4.42%
    FRESNO, CA (FHA|USDA|VA) 3 $975,000 $325,000 $3,318 3.13%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 5 $935,000 $187,000 $3,409 4.20%
    YORK-HANOVER, PA (FHA|USDA|VA) 4 $920,000 $230,000 $3,949 3.16%
    APPLETON, WI (FHA|USDA|VA) 5 $915,000 $183,000 $3,805 2.90%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 6 $890,000 $148,333 $2,756 3.38%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $885,000 $295,000 $3,606 3.13%
    Holland, MI (FHA|USDA|VA) 2 $870,000 $435,000 $1,890 3.63%
    GREELEY, CO (FHA|USDA|VA) 3 $855,000 $285,000 $2,603 2.75%
    GAINESVILLE, FL (FHA|USDA|VA) 3 $845,000 $281,667 $4,005 3.17%
    HUNTSVILLE, AL (FHA|USDA|VA) 4 $820,000 $205,000 $2,101 3.09%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $820,000 $205,000 $3,084 3.91%
    SPRINGFIELD, MO (FHA|USDA|VA) 4 $810,000 $202,500 $2,584 3.47%
    STOCKTON, CA (FHA|USDA|VA) 3 $795,000 $265,000 $1,493 2.96%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $785,000 $261,667 $3,423 3.54%
    Hutchinson, MN (FHA|USDA|VA) 4 $760,000 $190,000 $2,995 3.69%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $755,000 $251,667 $1,338 3.83%
    Lebanon, NH-VT (FHA|USDA|VA) 4 $740,000 $185,000 $3,462 3.75%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $740,000 $185,000 $2,505 4.63%
    JACKSON, MS (FHA|USDA|VA) 4 $740,000 $185,000 $2,943 3.84%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $730,000 $365,000 $3,095 2.88%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $725,000 $241,667 $2,742 3.83%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $725,000 $145,000 $3,138 3.45%
    FORT WAYNE, IN (FHA|USDA|VA) 3 $725,000 $241,667 $4,155 3.63%
    FLORENCE, SC (FHA|USDA|VA) 3 $715,000 $238,333 $3,128 3.46%
    YUBA CITY, CA (FHA|USDA|VA) 4 $710,000 $177,500 $2,530 4.16%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 2 $690,000 $345,000 $3,117 3.44%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $685,000 $685,000 $2,800 2.63%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $680,000 $340,000 $2,203 2.88%
    TULSA, OK (FHA|USDA|VA) 2 $680,000 $340,000 $4,192 3.00%
    WICHITA, KS (FHA|USDA|VA) 3 $675,000 $225,000 $2,419 3.08%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 3 $665,000 $221,667 $2,429 2.83%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $665,000 $221,667 $3,634 2.96%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $625,000 $125,000 $3,786 3.03%
    BURLINGTON, NC (FHA|USDA|VA) 3 $615,000 $205,000 $3,005 3.63%
    Bedford, IN (FHA|USDA|VA) 4 $610,000 $152,500 $1,840 3.38%
    SALISBURY, MD-DE (FHA|USDA|VA) 3 $605,000 $201,667 $2,896 3.33%
    Boone, NC (FHA|USDA|VA) 2 $600,000 $300,000 $2,527 3.00%
    EL PASO, TX (FHA|USDA|VA) 4 $590,000 $147,500 $3,415 2.97%
    SAVANNAH, GA (FHA|USDA|VA) 4 $580,000 $145,000 $2,916 3.38%
    ANN ARBOR, MI (FHA|USDA|VA) 3 $575,000 $191,667 $1,369 3.63%
    Indianola, MS (FHA|USDA|VA) 5 $575,000 $115,000 $2,400 4.48%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $570,000 $285,000 $3,901 3.19%
    VISALIA, CA (FHA|USDA|VA) 2 $560,000 $280,000 $3,169 3.50%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $550,000 $275,000 $3,436 3.19%
    VALDOSTA, GA (FHA|USDA|VA) 3 $545,000 $181,667 $2,645 4.21%
    CORVALLIS, OR (FHA|USDA|VA) 1 $525,000 $525,000 $3,954 3.25%
    Red Wing, MN (FHA|USDA|VA) 2 $520,000 $260,000 $2,776 3.00%
    COLUMBIA, MO (FHA|USDA|VA) 2 $520,000 $260,000 $1,987 3.13%
    Nogales, AZ (FHA|USDA|VA) 1 $515,000 $515,000 $4,975 3.00%
    Hudson, NY (FHA|USDA|VA) 1 $495,000 $495,000 $4,272 3.13%
    SPRINGFIELD, MA (FHA|USDA|VA) 2 $480,000 $240,000 $3,363 3.19%
    MIDLAND, TX (FHA|USDA|VA) 1 $475,000 $475,000 $4,441 2.50%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $475,000 $475,000 $2,640 3.50%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $470,000 $235,000 $3,892 3.19%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $465,000 $155,000 $2,226 3.21%
    Grand Rapids, MN (FHA|USDA|VA) 2 $460,000 $230,000 $3,390 3.13%
    ROANOKE, VA (FHA|USDA|VA) 4 $450,000 $112,500 $2,580 3.13%
    Spirit Lake, IA (FHA|USDA|VA) 1 $445,000 $445,000 $2,130 2.50%
    Fredericksburg, TX (FHA|USDA|VA) 1 $445,000 $445,000 $4,669 3.13%
    AKRON, OH (FHA|USDA|VA) 5 $445,000 $89,000 $1,811 3.63%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $430,000 $215,000 $1,900 3.06%
    CARSON CITY, NV (FHA|USDA|VA) 1 $425,000 $425,000 $4,130 3.13%
    SALEM, OR (FHA|USDA|VA) 1 $415,000 $415,000 $4,027 3.38%
    PUEBLO, CO (FHA|USDA|VA) 2 $400,000 $200,000 $2,203 3.13%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $400,000 $200,000 $3,620 2.81%
    Marquette, MI (FHA|USDA|VA) 3 $395,000 $131,667 $2,330 3.54%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 3 $395,000 $131,667 $2,674 3.29%
    TERRE HAUTE, IN (FHA|USDA|VA) 3 $395,000 $131,667 $2,134 3.54%
    Hilo, HI (FHA|USDA|VA) 1 $385,000 $385,000 $4,016 3.00%
    EAU CLAIRE, WI (FHA|USDA|VA) 3 $385,000 $128,333 $1,833 4.54%
    URBAN HONOLULU, HI (FHA|USDA|VA) 1 $385,000 $385,000 $3,330 2.00%
    ELMIRA, NY (FHA|USDA|VA) 3 $385,000 $128,333 $2,961 3.00%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $385,000 $128,333 $1,938 3.54%
    Coos Bay, OR (FHA|USDA|VA) 1 $385,000 $385,000 $5,041 3.38%
    OCALA, FL (FHA|USDA|VA) 3 $375,000 $125,000 $3,195 3.13%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $375,000 $375,000 $2,934 3.38%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $365,000 $365,000 $4,078 3.00%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $360,000 $180,000 $3,262 3.94%
    ROCKFORD, IL (FHA|USDA|VA) 4 $360,000 $90,000 $2,046 3.41%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $360,000 $180,000 $3,160 2.75%
    HATTIESBURG, MS (FHA|USDA|VA) 2 $360,000 $180,000 $3,099 3.06%
    SPARTANBURG, SC (FHA|USDA|VA) 3 $355,000 $118,333 $2,951 3.25%
    Grenada, MS (FHA|USDA|VA) 1 $355,000 $355,000 $3,086 2.50%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $350,000 $175,000 $2,327 2.69%
    Cookeville, TN (FHA|USDA|VA) 2 $350,000 $175,000 $2,358 3.31%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $340,000 $170,000 $2,216 2.75%
    Platteville, WI (FHA|USDA|VA) 1 $335,000 $335,000 $4,456 3.00%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $335,000 $335,000 $1,691 3.13%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $330,000 $165,000 $3,066 2.94%
    Georgetown, SC (FHA|USDA|VA) 1 $325,000 $325,000 $2,725 2.75%
    TOPEKA, KS (FHA|USDA|VA) 1 $325,000 $325,000 $1,260 2.63%
    Jefferson, GA (FHA|USDA|VA) 2 $320,000 $160,000 $3,767 3.31%
    TYLER, TX (FHA|USDA|VA) 2 $320,000 $160,000 $2,866 3.13%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $315,000 $315,000 $3,538 3.13%
    WINSTON-SALEM, NC (FHA|USDA|VA) 2 $310,000 $155,000 $2,553 3.38%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $295,000 $295,000 $2,095 3.00%
    CHICO, CA (FHA|USDA|VA) 1 $295,000 $295,000 $2,796 3.38%
    Urbana, OH (FHA|USDA|VA) 2 $290,000 $145,000 $1,560 5.19%
    Sonora, CA (FHA|USDA|VA) 2 $290,000 $145,000 $2,490 2.69%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $290,000 $145,000 $12,783 2.63%
    KANKAKEE, IL (FHA|USDA|VA) 2 $290,000 $145,000 $5,043 3.19%
    HARRISONBURG, VA (FHA|USDA|VA) 1 $285,000 $285,000 $2,095 2.50%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $285,000 $285,000 $2,455 2.75%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $285,000 $285,000 $2,740 3.50%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $280,000 $140,000 $1,183 4.56%
    BAY CITY, MI (FHA|USDA|VA) 1 $275,000 $275,000 $2,834 3.50%
    Keene, NH (FHA|USDA|VA) 1 $275,000 $275,000 $2,730 2.50%
    SAN JUAN-BAYAMÓN-CAGUAS, PR (FHA|USDA|VA) 1 $275,000 $275,000 $4,614 3.00%
    BLOOMINGTON, IL (FHA|USDA|VA) 2 $270,000 $135,000 $1,107 3.81%
    PEORIA, IL (FHA|USDA|VA) 2 $270,000 $135,000 $1,728 2.50%
    Greensburg, IN (FHA|USDA|VA) 2 $270,000 $135,000 $2,470 3.63%
    LINCOLN, NE (FHA|USDA|VA) 2 $270,000 $135,000 $1,972 2.94%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $265,000 $265,000 $2,755 2.88%
    BATON ROUGE, LA (FHA|USDA|VA) 2 $260,000 $130,000 $3,382 3.88%
    Sevierville, TN (FHA|USDA|VA) 2 $260,000 $130,000 $2,180 2.94%
    Warsaw, IN (FHA|USDA|VA) 2 $260,000 $130,000 $988 4.48%
    WARNER ROBINS, GA (FHA|USDA|VA) 2 $260,000 $130,000 $2,040 2.44%
    Bucyrus-Galion, OH (FHA|USDA|VA) 1 $255,000 $255,000 $3,508 3.50%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $255,000 $255,000 $3,373 3.50%
    VALLEJO, CA (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.75%
    FAYETTEVILLE, NC (FHA|USDA|VA) 2 $250,000 $125,000 $2,582 2.81%
    Traverse City, MI (FHA|USDA|VA) 1 $245,000 $245,000 $2,508 3.50%
    LOGAN, UT-ID (FHA|USDA|VA) 1 $245,000 $245,000 $2,112 2.88%
    Findlay, OH (FHA|USDA|VA) 1 $245,000 $245,000 $3,495 3.88%
    Orangeburg, SC (FHA|USDA|VA) 2 $240,000 $120,000 $3,185 4.13%
    Ashtabula, OH (FHA|USDA|VA) 1 $235,000 $235,000 $3,333 3.38%
    TOLEDO, OH (FHA|USDA|VA) 1 $235,000 $235,000 $1,840 3.13%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $2,913 3.63%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $235,000 $235,000 $2,384 2.88%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $230,000 $115,000 $3,089 3.38%
    BOWLING GREEN, KY (FHA|USDA|VA) 2 $230,000 $115,000 $2,616 3.75%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $225,000 $225,000 $3,785 3.50%
    DUBUQUE, IA (FHA|USDA|VA) 1 $225,000 $225,000 $1,560 2.25%
    Cullman, AL (FHA|USDA|VA) 1 $225,000 $225,000 $3,244 3.13%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $225,000 $225,000 $1,895 3.63%
    Durango, CO (FHA|USDA|VA) 1 $225,000 $225,000 $3,425 4.00%
    SAN GERMÁN, PR (FHA|USDA|VA) 2 $220,000 $110,000 $4,741 3.13%
    MONROE, MI (FHA|USDA|VA) 2 $220,000 $110,000 $1,868 3.50%
    Pottsville, PA (FHA|USDA|VA) 1 $215,000 $215,000 $3,475 3.75%
    CASPER, WY (FHA|USDA|VA) 1 $215,000 $215,000 $2,104 3.13%
    Torrington, CT (FHA|USDA|VA) 1 $215,000 $215,000 $3,416 2.75%
    Fergus Falls, MN (FHA|USDA|VA) 1 $215,000 $215,000 $2,508 3.13%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $215,000 $215,000 $1,950 2.88%
    Mount Airy, NC (FHA|USDA|VA) 2 $210,000 $105,000 $2,412 2.81%
    Albert Lea, MN (FHA|USDA|VA) 1 $205,000 $205,000 $3,140 3.00%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $205,000 $205,000 $2,251 3.13%
    Sandpoint, ID (FHA|USDA|VA) 1 $205,000 $205,000 $3,363 3.00%
    ROCHESTER, MN (FHA|USDA|VA) 1 $205,000 $205,000 $2,826 3.50%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $195,000 $195,000 $2,597 3.50%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,653 3.63%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $185,000 $185,000 $3,649 2.75%
    MAYAGÜEZ, PR (FHA|USDA|VA) 1 $185,000 $185,000 $2,265 2.75%
    MANKATO, MN (FHA|USDA|VA) 1 $185,000 $185,000 $2,355 3.13%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $185,000 $185,000 $3,569 3.50%
    MUNCIE, IN (FHA|USDA|VA) 2 $180,000 $90,000 $2,678 3.25%
    REDDING, CA (FHA|USDA|VA) 1 $175,000 $175,000 $1,925 2.50%
    Quincy, IL-MO (FHA|USDA|VA) 1 $175,000 $175,000 $1,941 2.63%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $175,000 $175,000 $2,874 2.75%
    Fort Dodge, IA (FHA|USDA|VA) 1 $175,000 $175,000 $1,555 2.63%
    Bennington, VT (FHA|USDA|VA) 1 $175,000 $175,000 $3,294 2.88%
    LAREDO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $2,594 2.88%
    Baraboo, WI (FHA|USDA|VA) 1 $175,000 $175,000 $1,775 2.50%
    LANCASTER, PA (FHA|USDA|VA) 2 $170,000 $85,000 $3,385 3.12%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,321 3.75%
    Tupelo, MS (FHA|USDA|VA) 1 $165,000 $165,000 $2,835 3.00%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,583 3.25%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $165,000 $165,000 $1,970 3.13%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $165,000 $165,000 $1,925 2.50%
    Portsmouth, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,513 3.38%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,664 3.38%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $160,000 $80,000 $2,570 2.81%
    Laramie, WY (FHA|USDA|VA) 1 $155,000 $155,000 $2,530 2.88%
    DOTHAN, AL (FHA|USDA|VA) 1 $155,000 $155,000 $2,678 3.50%
    Seymour, IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,475 3.13%
    Sturgis, MI (FHA|USDA|VA) 1 $145,000 $145,000 $2,610 3.63%
    Rochelle, IL (FHA|USDA|VA) 1 $145,000 $145,000 $2,726 2.50%
    Outside of Metro Areas 1 $145,000 $145,000 $3,234 2.75%
    Bellefontaine, OH (FHA|USDA|VA) 1 $135,000 $135,000 $1,840 2.88%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $135,000 $135,000 $3,039 2.75%
    Adrian, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,578 3.00%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $135,000 $135,000 $2,396 3.25%
    AGUADILLA-ISABELA, PR (FHA|USDA|VA) 1 $135,000 $135,000 $2,651 2.25%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $135,000 $135,000 $3,017 3.25%
    LONGVIEW, TX (FHA|USDA|VA) 1 $135,000 $135,000 $2,856 2.88%
    STAUNTON, VA (FHA|USDA|VA) 1 $125,000 $125,000 $2,508 3.63%
    Manitowoc, WI (FHA|USDA|VA) 1 $125,000 $125,000 $2,400 2.75%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 3 $125,000 $41,667 $1,512 4.46%
    Augusta-Waterville, ME (FHA|USDA|VA) 1 $115,000 $115,000 $2,923 3.13%
    Marinette, WI-MI (FHA|USDA|VA) 1 $115,000 $115,000 $3,553 2.88%
    Fairmont, MN (FHA|USDA|VA) 2 $110,000 $55,000 $3,916 4.19%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $105,000 $105,000 $2,430 2.88%
    Clinton, IA (FHA|USDA|VA) 1 $105,000 $105,000 $2,400 3.88%
    GREENVILLE, NC (FHA|USDA|VA) 1 $105,000 $105,000 $2,745 2.63%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $105,000 $105,000 $1,915 3.00%
    Martinsville, VA (FHA|USDA|VA) 1 $95,000 $95,000 $2,505 3.50%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $95,000 $95,000 $3,038 2.75%
    Mount Pleasant, MI (FHA|USDA|VA) 1 $95,000 $95,000 $2,746 2.13%
    Greenville, MS (FHA|USDA|VA) 1 $95,000 $95,000 $3,062 3.50%
    Marion, OH (FHA|USDA|VA) 1 $85,000 $85,000 $2,365 2.63%
    Jayuya, PR (FHA|USDA|VA) 1 $85,000 $85,000 $3,840 3.75%
    SYRACUSE, NY (FHA|USDA|VA) 1 $85,000 $85,000 $2,161 2.88%
    MONROE, LA (FHA|USDA|VA) 1 $85,000 $85,000 $3,035 3.25%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $85,000 $85,000 $2,708 3.13%
    LUBBOCK, TX (FHA|USDA|VA) 1 $75,000 $75,000 $2,514 2.50%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.50%
    UTICA-ROME, NY (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.25%
    GLENS FALLS, NY (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.50%
    Sault Ste. Marie, MI (FHA|USDA|VA) 1 $65,000 $65,000 $2,150 3.25%
    Watertown, SD (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.00%
    LAWRENCE, KS (FHA|USDA|VA) 1 $65,000 $65,000 $1,830 3.00%
    Marshall, MN (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.25%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $65,000 $65,000 $3,490 3.13%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $55,000 $55,000 $0 2.99%
    Cedar City, UT (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.50%
    Mount Vernon, IL (FHA|USDA|VA) 1 $55,000 $55,000 $1,682 2.50%
    DALTON, GA (FHA|USDA|VA) 1 $55,000 $55,000 $3,970 3.00%
    Beaver Dam, WI (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.63%
    Kirksville, MO (FHA|USDA|VA) 1 $55,000 $55,000 $1,939 4.38%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $55,000 $55,000 $2,500 2.88%
    Jacksonville, TX (FHA|USDA|VA) 1 $55,000 $55,000 $2,523 3.13%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.00%
    Shawano, WI (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.38%
    Zanesville, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.50%
    Connersville, IN (FHA|USDA|VA) 1 $55,000 $55,000 $1,895 3.00%
    Branson, MO (FHA|USDA|VA) 1 $55,000 $55,000 $2,335 3.00%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.50%
    Cañon City, CO (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.00%
    Ottawa, IL (FHA|USDA|VA) 1 $45,000 $45,000 $2,967 2.25%
    Cortland, NY (FHA|USDA|VA) 1 $45,000 $45,000 $3,590 6.13%
    Mount Vernon, OH (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.63%
    Warrensburg, MO (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.25%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.00%
    Forest City, NC (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.20%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.50%
    CHARLESTON, WV (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.00%
    BILLINGS, MT (FHA|USDA|VA) 1 $25,000 $25,000 $0 3.00%
    Baxter Credit Union's top markets include Minneapolis, Chicago, Los Angeles, Columbus, and Boston among others.

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

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Baxter Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    First Security Bank
    Similarity Rank: 66
    Bridgewater Savings Bank
    Similarity Rank: 102
    The First National Bank of Long Island
    Similarity Rank: 134
    Hometown Bank
    Similarity Rank: 144
    FirstTrust Home Loans, Inc.
    Similarity Rank: 174
    North Jersey Federal Credit Union
    Similarity Rank: 247
    DADE COUNTY FEDERAL CREDIT UNION
    Similarity Rank: 304
    Chaffey Federal Credit Union
    Similarity Rank: 345
    METROPLEX MORTGAGE SERVICES, INC.
    Similarity Rank: 372
    Hendricks County Bank and Trust Company
    Similarity Rank: 376

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,393 $1,593,625,000 $295,499 $2,889 3.21%
    HELOC 929 $112,005,000 $120,565 n/a 4.08%

    For 2020, Baxter Credit Union's most frequently originated type of loan was Conventional, with 5,393 originations. Their 2nd most popular type was HELOC, with 929 originations.

    Loan Reason

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

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

    Loan Duration/Length

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

    For 2020, 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 1,278 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 4,096 $1,223,390,000 $298,679
    $1k-2k 834 $200,210,000 $240,060
    $2k-3k 245 $71,965,000 $293,735
    $3k-4k 87 $27,515,000 $316,264
    $5k+ 87 $56,095,000 $644,770
    $4k-5k 44 $14,450,000 $328,409

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

    Interest Rates

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

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

    Loan Sizing

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

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

    Applicant Income

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

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

    Applicant Debt to Income Ratio

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

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

    Ethnicity Mix

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

    Approval Rates

    Total approvals of all applications
    93.80%

    Baxter Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    66.64%

    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
    345.0 1 $105,000 $105,000
    NA 6,321 $1,705,525,000 $269,819

    Occupancy Type Mix

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

    LTV Distribution

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