Baxter Credit Union in Kentucky vs the state
40.0%Denial rate+21.19 pts vs state
40.0%Decision denial rate+16.51 pts vs state
48.0%Origination rate-10.04 pts vs state
7.13%Median rate+0.38 pts vs state
0.46Rate spread (pts)+0.15 pts vs state
$96kMedian applicant income
12Loans originated
10Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 5 | 43.8% | 7.63% | #343 |
| 2024 | 13 | 8 | 30.8% | 7.38% | #377 |
| 2025 | 25 | 12 | 40.0% | 7.13% | #326 |
What Baxter Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 7 | 3 | 2 | 28.6% |
| Hopkins County | 2 | 1 | 0 | 0.0% |
| Wayne County | 2 | 2 | 0 | 0.0% |
| Fayette County | 2 | 1 | 1 | 50.0% |
| Oldham County | 2 | 1 | 1 | 50.0% |
| Hardin County | 2 | 0 | 2 | 100.0% |
| Kenton County | 2 | 1 | 1 | 50.0% |
| Lawrence County | 2 | 0 | 2 | 100.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Owen County | 1 | 0 | 1 | 100.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 25 applications in 2025, of which 12 were originated and 10 denied.
40.0% of all applications, or 40.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Baxter Credit Union originated in Kentucky in 2025 was 7.13%, against a statewide median of 6.75%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology