Baxter Credit Union in Georgia vs the state
24.0%Denial rate+4.76 pts vs state
24.3%Decision denial rate-0.81 pts vs state
51.5%Origination rate-2.63 pts vs state
7.19%Median rate+0.56 pts vs state
0.26Rate spread (pts)-0.01 pts vs state
$112kMedian applicant income
88Loans originated
41Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 169 | 94 | 23.7% | 8.00% | #247 |
| 2024 | 151 | 84 | 29.1% | 8.25% | #267 |
| 2025 | 171 | 88 | 24.0% | 7.19% | #260 |
What Baxter Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 24 | 13 | 4 | 16.7% |
| Cobb County | 21 | 13 | 4 | 19.0% |
| Fulton County | 12 | 6 | 2 | 16.7% |
| DeKalb County | 12 | 8 | 1 | 8.3% |
| Newton County | 11 | 5 | 2 | 18.2% |
| Rockdale County | 7 | 2 | 5 | 71.4% |
| Chatham County | 5 | 3 | 2 | 40.0% |
| Forsyth County | 5 | 3 | 0 | 0.0% |
| Clayton County | 5 | 2 | 3 | 60.0% |
| Henry County | 5 | 3 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 171 applications in 2025, of which 88 were originated and 41 denied.
24.0% of all applications, or 24.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Baxter Credit Union originated in Georgia in 2025 was 7.19%, against a statewide median of 6.63%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology