Baxter Credit Union in Ohio vs the state
18.1%Denial rate+0.37 pts vs state
18.7%Decision denial rate-3.18 pts vs state
61.8%Origination rate+1.91 pts vs state
7.00%Median rate+0.13 pts vs state
0.08Rate spread (pts)-0.31 pts vs state
$146kMedian applicant income
89Loans originated
26Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 134 | 80 | 15.7% | 7.94% | #266 |
| 2024 | 128 | 78 | 17.2% | 8.00% | #275 |
| 2025 | 144 | 89 | 18.1% | 7.00% | #278 |
What Baxter Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 43 | 22 | 7 | 16.3% |
| Delaware County | 16 | 12 | 2 | 12.5% |
| Fairfield County | 10 | 5 | 3 | 30.0% |
| Hamilton County | 7 | 4 | 2 | 28.6% |
| Union County | 7 | 7 | 0 | 0.0% |
| Cuyahoga County | 7 | 5 | 2 | 28.6% |
| Summit County | 6 | 4 | 2 | 33.3% |
| Montgomery County | 5 | 3 | 1 | 20.0% |
| Licking County | 5 | 4 | 0 | 0.0% |
| Madison County | 5 | 3 | 1 | 20.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 144 applications in 2025, of which 89 were originated and 26 denied.
18.1% of all applications, or 18.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Baxter Credit Union originated in Ohio in 2025 was 7.00%, against a statewide median of 6.88%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology