Baxter Credit Union mortgage approval rate & lending review
Baxter Credit Union decided 8,967 mortgage applications and funded 5,909 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Baxter Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Baxter Credit Union at a glance
Approval is 12.5 points above the 73.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 2,780 / 2,883 | 72% | $345K | 2,002 |
| Home improvement loans | 80% | 2,972 / 3,723 | 82% | $75K | 2,433 |
| Cash-out refinance | 80% | 1,184 / 1,474 | 83% | $135K | 988 |
| Refinance | 83% | 356 / 430 | 60% | $345K | 213 |
| Investment property purchase | 95% | 279 / 295 | 74% | $285K | 206 |
| Investment cash-out refinance | 57% | 24 / 42 | 58% | $155K | 14 |
| Investment refinance | 72% | 21 / 29 | 67% | $305K | 14 |
| Investment home improvement | 58% | 53 / 91 | 74% | $85K | 39 |
Baxter Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 86% | $135K | 2,381 | 1,599 |
| Minnesota | 94% | $145K | 1,374 | 1,032 |
| California | 84% | $225K | 797 | 514 |
| Florida | 78% | $105K | 683 | 377 |
| Texas | 73% | $195K | 376 | 176 |
| Georgia | 83% | $135K | 278 | 177 |
| Wisconsin | 90% | $225K | 271 | 202 |
| North Carolina | 88% | $175K | 238 | 162 |
| Ohio | 84% | $145K | 235 | 156 |
| Arizona | 81% | $175K | 206 | 130 |
| Tennessee | 85% | $205K | 186 | 122 |
| Massachusetts | 95% | $295K | 173 | 127 |
| Indiana | 89% | $285K | 150 | 117 |
| New Jersey | 87% | $245K | 150 | 93 |
| Nevada | 82% | $95K | 129 | 82 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Baxter Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lake County, IL | Home improvement loans | 82% | 343 | 247 |
| Hennepin County, MN | Home improvement loans | 92% | 293 | 235 |
| Hennepin County, MN | Mortgage lenders | 99% | 283 | 204 |
| McHenry County, IL | Home improvement loans | 87% | 264 | 196 |
| Lake County, IL | Mortgage lenders | 96% | 275 | 179 |
| Cook County, IL | Home improvement loans | 77% | 222 | 129 |
| Lake County, IL | Cash-out refinance | 85% | 177 | 124 |
| McHenry County, IL | Mortgage lenders | 94% | 155 | 113 |
| McHenry County, IL | Cash-out refinance | 82% | 133 | 97 |
| Orange County, CA | Home improvement loans | 85% | 143 | 93 |
| Hennepin County, MN | Cash-out refinance | 89% | 103 | 79 |
| Cook County, IL | Cash-out refinance | 72% | 108 | 71 |
The county markets where Baxter Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Baxter Credit Union
What is Baxter Credit Union's mortgage approval rate?
Baxter Credit Union approved 85.5% of the 8,967 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.5 points above the 73.1% national rate for the same mix of loan types.
How often do borrowers take the loan Baxter Credit Union offers?
Borrowers accepted 77% of the loans Baxter Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Baxter Credit Union make?
The typical home improvement loan loan Baxter Credit Union made was $75K; across all loan types its typical loan ran from $75K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Baxter Credit Union lend?
Baxter Credit Union decided applications in 52 of the states Fat Boy Data covers, most of them in Illinois, Minnesota and California.
Can I apply to Baxter Credit Union directly?
Yes. Baxter Credit Union is a bank or credit union with 43 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Baxter Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Baxter Credit Union treats applications, then get a rate quote from the lender.