Baxter Credit Union in North Carolina vs the state
21.2%Denial rate+3.15 pts vs state
22.1%Decision denial rate-0.71 pts vs state
58.1%Origination rate+0.27 pts vs state
7.00%Median rate+0.50 pts vs state
0.34Rate spread (pts)+0.25 pts vs state
$106kMedian applicant income
115Loans originated
42Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 152 | 92 | 12.5% | 7.88% | #231 |
| 2024 | 186 | 104 | 18.8% | 8.25% | #222 |
| 2025 | 198 | 115 | 21.2% | 7.00% | #233 |
What Baxter Credit Union lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McDowell County | 26 | 13 | 8 | 30.8% |
| Mecklenburg County | 23 | 13 | 3 | 13.0% |
| Wake County | 21 | 15 | 2 | 9.5% |
| Guilford County | 14 | 8 | 5 | 35.7% |
| Burke County | 13 | 8 | 2 | 15.4% |
| Buncombe County | 11 | 8 | 1 | 9.1% |
| Rockingham County | 8 | 4 | 3 | 37.5% |
| Mitchell County | 7 | 2 | 4 | 57.1% |
| Orange County | 6 | 6 | 0 | 0.0% |
| Union County | 5 | 2 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 198 applications in 2025, of which 115 were originated and 42 denied.
21.2% of all applications, or 22.1% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Baxter Credit Union originated in North Carolina in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology