Baxter Credit Union in Florida vs the state
26.3%Denial rate+5.19 pts vs state
27.2%Decision denial rate-0.06 pts vs state
46.9%Origination rate-5.81 pts vs state
7.25%Median rate+0.63 pts vs state
0.15Rate spread (pts)-0.12 pts vs state
$144kMedian applicant income
150Loans originated
84Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 388 | 196 | 28.1% | 8.13% | #272 |
| 2024 | 323 | 159 | 26.0% | 8.13% | #304 |
| 2025 | 320 | 150 | 26.3% | 7.25% | #295 |
What Baxter Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 46 | 16 | 13 | 28.3% |
| Broward County | 35 | 14 | 5 | 14.3% |
| Palm Beach County | 27 | 15 | 4 | 14.8% |
| Polk County | 19 | 9 | 7 | 36.8% |
| Orange County | 17 | 12 | 1 | 5.9% |
| Hillsborough County | 16 | 9 | 5 | 31.3% |
| Pinellas County | 15 | 10 | 1 | 6.7% |
| Volusia County | 13 | 6 | 5 | 38.5% |
| Osceola County | 12 | 3 | 5 | 41.7% |
| Marion County | 10 | 5 | 3 | 30.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 320 applications in 2025, of which 150 were originated and 84 denied.
26.3% of all applications, or 27.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Baxter Credit Union originated in Florida in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology