Baxter Credit Union in Iowa vs the state
31.8%Denial rate+18.96 pts vs state
35.0%Decision denial rate+19.69 pts vs state
40.9%Origination rate-27.55 pts vs state
6.63%Median rate+0.13 pts vs state
0.26Rate spread (pts)+0.07 pts vs state
$111kMedian applicant income
9Loans originated
7Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 6 | 22.2% | 8.75% | #351 |
| 2024 | 11 | 8 | 18.2% | 6.63% | #321 |
| 2025 | 22 | 9 | 31.8% | 6.63% | #291 |
What Baxter Credit Union lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Black Hawk County | 3 | 2 | 0 | 0.0% |
| Story County | 3 | 2 | 0 | 0.0% |
| Jackson County | 2 | 2 | 0 | 0.0% |
| Scott County | 2 | 0 | 2 | 100.0% |
| Des Moines County | 2 | 0 | 2 | 100.0% |
| Polk County | 2 | 1 | 0 | 0.0% |
| Fayette County | 1 | 0 | 1 | 100.0% |
| Dubuque County | 1 | 1 | 0 | 0.0% |
| Buena Vista County | 1 | 1 | 0 | 0.0% |
| Clinton County | 1 | 0 | 1 | 100.0% |
Other large lenders in Iowa
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| GREENSTATE Credit Union | B | 13,829 | 5.9% | 6.50% |
| Veridian Credit Union | B | 8,725 | 8.9% | 6.49% |
| Rocket Mortgage | C | 3,761 | 22.7% | 6.63% |
| Hills Bank and Trust | A | 3,434 | 6.1% | 6.25% |
| U.S. Bank | D | 2,720 | 25.7% | 7.00% |
| Dupaco Community | A | 2,669 | 16.1% | 7.00% |
| Community Choice Credit Union | B | 2,653 | 11.8% | 6.13% |
| Iowa Bankers Mortgage | B | 2,423 | 15.4% | 6.50% |
| Broker Solutions | D | 2,386 | 6.4% | 6.75% |
| Northwest Bank | A | 2,181 | 5.7% | 6.38% |
Frequently asked questions
Iowa: 22 applications in 2025, of which 9 were originated and 7 denied.
31.8% of all applications, or 35.0% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Baxter Credit Union originated in Iowa in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in Iowa, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology