Baxter Credit Union in Michigan vs the state
32.1%Denial rate+13.56 pts vs state
32.1%Decision denial rate+9.50 pts vs state
49.1%Origination rate-10.83 pts vs state
6.56%Median rate-0.19 pts vs state
0.01Rate spread (pts)-0.39 pts vs state
$130kMedian applicant income
26Loans originated
17Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 23 | 8.8% | 7.50% | #364 |
| 2024 | 59 | 31 | 20.3% | 7.00% | #331 |
| 2025 | 53 | 26 | 32.1% | 6.56% | #343 |
What Baxter Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 9 | 4 | 3 | 33.3% |
| Berrien County | 7 | 5 | 0 | 0.0% |
| Oakland County | 5 | 5 | 0 | 0.0% |
| Cass County | 3 | 1 | 2 | 66.7% |
| Macomb County | 3 | 1 | 1 | 33.3% |
| Kent County | 2 | 1 | 0 | 0.0% |
| St. Clair County | 2 | 0 | 1 | 50.0% |
| Saginaw County | 2 | 0 | 1 | 50.0% |
| Ingham County | 2 | 1 | 1 | 50.0% |
| Clare County | 2 | 1 | 1 | 50.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 53 applications in 2025, of which 26 were originated and 17 denied.
32.1% of all applications, or 32.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Baxter Credit Union originated in Michigan in 2025 was 6.56%, against a statewide median of 6.75%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology