Baxter Credit Union in New Jersey vs the state
20.6%Denial rate+2.93 pts vs state
21.3%Decision denial rate-1.77 pts vs state
54.6%Origination rate-1.04 pts vs state
7.00%Median rate+0.25 pts vs state
0.01Rate spread (pts)-0.28 pts vs state
$179kMedian applicant income
53Loans originated
20Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 59 | 30 | 18.6% | 8.25% | #309 |
| 2024 | 63 | 35 | 22.2% | 8.50% | #317 |
| 2025 | 97 | 53 | 20.6% | 7.00% | #271 |
What Baxter Credit Union lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 17 | 8 | 4 | 23.5% |
| Essex County | 12 | 7 | 1 | 8.3% |
| Bergen County | 12 | 7 | 1 | 8.3% |
| Burlington County | 9 | 6 | 2 | 22.2% |
| Monmouth County | 7 | 3 | 1 | 14.3% |
| Gloucester County | 6 | 2 | 2 | 33.3% |
| Morris County | 6 | 5 | 1 | 16.7% |
| Union County | 6 | 4 | 0 | 0.0% |
| Ocean County | 4 | 2 | 1 | 25.0% |
| Mercer County | 3 | 2 | 1 | 33.3% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 97 applications in 2025, of which 53 were originated and 20 denied.
20.6% of all applications, or 21.3% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Baxter Credit Union originated in New Jersey in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology