Baxter Credit Union in Illinois vs the state
17.8%Denial rate+0.72 pts vs state
18.2%Decision denial rate-3.47 pts vs state
61.3%Origination rate+2.52 pts vs state
7.25%Median rate+0.50 pts vs state
0.18Rate spread (pts)-0.21 pts vs state
$136kMedian applicant income
917Loans originated
267Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,191 | 704 | 18.9% | 8.00% | #62 |
| 2024 | 1,272 | 783 | 19.0% | 8.25% | #62 |
| 2025 | 1,497 | 917 | 17.8% | 7.25% | #59 |
What Baxter Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lake County | 554 | 332 | 97 | 17.5% |
| McHenry County | 402 | 266 | 64 | 15.9% |
| Cook County | 342 | 197 | 73 | 21.3% |
| DuPage County | 63 | 37 | 11 | 17.5% |
| Kane County | 55 | 38 | 8 | 14.5% |
| Will County | 25 | 13 | 4 | 16.0% |
| Winnebago County | 14 | 8 | 2 | 14.3% |
| DeKalb County | 7 | 5 | 2 | 28.6% |
| Kendall County | 5 | 3 | 2 | 40.0% |
| Jackson County | 3 | 2 | 1 | 33.3% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 1,497 applications in 2025, of which 917 were originated and 267 denied.
17.8% of all applications, or 18.2% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Baxter Credit Union originated in Illinois in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology