Baxter Credit Union in California vs the state
21.6%Denial rate+4.13 pts vs state
22.3%Decision denial rate-0.07 pts vs state
53.6%Origination rate-2.57 pts vs state
7.13%Median rate+0.50 pts vs state
-0.01Rate spread (pts)-0.28 pts vs state
$181kMedian applicant income
229Loans originated
92Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 351 | 199 | 18.2% | 7.88% | #270 |
| 2024 | 366 | 209 | 23.5% | 8.00% | #282 |
| 2025 | 427 | 229 | 21.6% | 7.13% | #281 |
What Baxter Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 141 | 80 | 22 | 15.6% |
| Los Angeles County | 87 | 41 | 28 | 32.2% |
| Riverside County | 50 | 27 | 14 | 28.0% |
| San Diego County | 26 | 15 | 4 | 15.4% |
| Ventura County | 24 | 14 | 5 | 20.8% |
| San Bernardino County | 23 | 12 | 3 | 13.0% |
| Alameda County | 10 | 6 | 2 | 20.0% |
| San Joaquin County | 8 | 5 | 2 | 25.0% |
| Santa Clara County | 8 | 3 | 2 | 25.0% |
| Sacramento County | 7 | 4 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 427 applications in 2025, of which 229 were originated and 92 denied.
21.6% of all applications, or 22.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Baxter Credit Union originated in California in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology