Baxter Credit Union in Maryland vs the state
18.2%Denial rate-0.62 pts vs state
19.6%Decision denial rate-4.52 pts vs state
56.4%Origination rate+0.65 pts vs state
7.25%Median rate+0.63 pts vs state
0.16Rate spread (pts)-0.09 pts vs state
$149kMedian applicant income
31Loans originated
10Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 21 | 20.0% | 8.13% | #314 |
| 2024 | 57 | 29 | 26.3% | 8.63% | #284 |
| 2025 | 55 | 31 | 18.2% | 7.25% | #306 |
What Baxter Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore County | 14 | 6 | 1 | 7.1% |
| Montgomery County | 9 | 4 | 2 | 22.2% |
| Frederick County | 6 | 5 | 1 | 16.7% |
| Howard County | 6 | 3 | 0 | 0.0% |
| Washington County | 3 | 1 | 2 | 66.7% |
| Anne Arundel County | 3 | 3 | 0 | 0.0% |
| Prince George's County | 3 | 2 | 1 | 33.3% |
| Queen Anne's County | 2 | 1 | 1 | 50.0% |
| Cecil County | 2 | 2 | 0 | 0.0% |
| Baltimore city | 2 | 1 | 1 | 50.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 55 applications in 2025, of which 31 were originated and 10 denied.
18.2% of all applications, or 19.6% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Baxter Credit Union originated in Maryland in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology