Baxter Credit Union in New York vs the state
24.1%Denial rate+4.30 pts vs state
25.0%Decision denial rate+0.96 pts vs state
46.8%Origination rate-12.75 pts vs state
7.25%Median rate+0.63 pts vs state
0.31Rate spread (pts)+0.10 pts vs state
$133kMedian applicant income
37Loans originated
19Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 34 | 29.2% | 8.19% | #298 |
| 2024 | 67 | 28 | 41.8% | 8.75% | #301 |
| 2025 | 79 | 37 | 24.1% | 7.25% | #297 |
What Baxter Credit Union lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 15 | 8 | 3 | 20.0% |
| Nassau County | 11 | 6 | 3 | 27.3% |
| Westchester County | 7 | 5 | 0 | 0.0% |
| Suffolk County | 6 | 2 | 3 | 50.0% |
| Kings County | 4 | 1 | 0 | 0.0% |
| Orange County | 4 | 2 | 0 | 0.0% |
| Dutchess County | 3 | 1 | 0 | 0.0% |
| Niagara County | 3 | 1 | 2 | 66.7% |
| Herkimer County | 2 | 1 | 1 | 50.0% |
| Rensselaer County | 2 | 0 | 1 | 50.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 79 applications in 2025, of which 37 were originated and 19 denied.
24.1% of all applications, or 25.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Baxter Credit Union originated in New York 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 New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology