Baxter Credit Union in Arizona vs the state
26.1%Denial rate+9.90 pts vs state
26.6%Decision denial rate+6.20 pts vs state
52.3%Origination rate-7.23 pts vs state
6.81%Median rate+0.31 pts vs state
-0.10Rate spread (pts)-0.32 pts vs state
$157kMedian applicant income
58Loans originated
29Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 97 | 55 | 23.7% | 8.00% | #233 |
| 2024 | 85 | 52 | 20.0% | 8.13% | #259 |
| 2025 | 111 | 58 | 26.1% | 6.81% | #232 |
What Baxter Credit Union lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 77 | 40 | 17 | 22.1% |
| Pima County | 13 | 8 | 4 | 30.8% |
| Yavapai County | 7 | 5 | 2 | 28.6% |
| Pinal County | 7 | 2 | 4 | 57.1% |
| Coconino County | 2 | 1 | 1 | 50.0% |
| Navajo County | 2 | 2 | 0 | 0.0% |
| Yuma County | 1 | 0 | 0 | 0.0% |
| Mohave County | 1 | 0 | 0 | 0.0% |
| La Paz County | 1 | 0 | 1 | 100.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 111 applications in 2025, of which 58 were originated and 29 denied.
26.1% of all applications, or 26.6% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Baxter Credit Union originated in Arizona in 2025 was 6.81%, against a statewide median of 6.50%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology