Baxter Credit Union in Indiana vs the state
14.5%Denial rate-2.04 pts vs state
14.8%Decision denial rate-5.36 pts vs state
65.0%Origination rate+2.71 pts vs state
6.94%Median rate+0.19 pts vs state
0.14Rate spread (pts)-0.23 pts vs state
$130kMedian applicant income
76Loans originated
17Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 104 | 72 | 14.4% | 7.63% | #246 |
| 2024 | 92 | 54 | 26.1% | 7.19% | #262 |
| 2025 | 117 | 76 | 14.5% | 6.94% | #252 |
What Baxter Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 16 | 12 | 1 | 6.3% |
| Marion County | 14 | 8 | 2 | 14.3% |
| Hamilton County | 13 | 11 | 0 | 0.0% |
| Owen County | 11 | 9 | 1 | 9.1% |
| Greene County | 9 | 6 | 2 | 22.2% |
| Lake County | 8 | 6 | 2 | 25.0% |
| Hendricks County | 5 | 2 | 1 | 20.0% |
| Boone County | 3 | 2 | 0 | 0.0% |
| LaPorte County | 3 | 3 | 0 | 0.0% |
| Vanderburgh County | 3 | 2 | 1 | 33.3% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 117 applications in 2025, of which 76 were originated and 17 denied.
14.5% of all applications, or 14.8% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Baxter Credit Union originated in Indiana in 2025 was 6.94%, against a statewide median of 6.75%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology