Baxter Credit Union in Colorado vs the state
23.1%Denial rate+7.45 pts vs state
23.5%Decision denial rate+3.87 pts vs state
50.0%Origination rate-10.02 pts vs state
6.75%Median rate+0.13 pts vs state
-0.32Rate spread (pts)-0.47 pts vs state
$161kMedian applicant income
26Loans originated
12Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 61 | 42 | 9.8% | 8.19% | #261 |
| 2024 | 59 | 35 | 17.0% | 7.00% | #276 |
| 2025 | 52 | 26 | 23.1% | 6.75% | #299 |
What Baxter Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 8 | 5 | 0 | 0.0% |
| El Paso County | 7 | 4 | 1 | 14.3% |
| Adams County | 6 | 2 | 3 | 50.0% |
| Denver County | 5 | 2 | 0 | 0.0% |
| Jefferson County | 5 | 3 | 1 | 20.0% |
| Arapahoe County | 5 | 3 | 1 | 20.0% |
| Weld County | 4 | 3 | 1 | 25.0% |
| Broomfield County | 2 | 1 | 0 | 0.0% |
| Mesa County | 1 | 0 | 1 | 100.0% |
| Larimer County | 1 | 1 | 0 | 0.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 52 applications in 2025, of which 26 were originated and 12 denied.
23.1% of all applications, or 23.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Baxter Credit Union originated in Colorado in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology