Baxter Credit Union in Oregon vs the state
22.7%Denial rate+7.42 pts vs state
22.7%Decision denial rate+3.57 pts vs state
63.6%Origination rate+3.02 pts vs state
7.05%Median rate+0.30 pts vs state
0.17Rate spread (pts)-0.11 pts vs state
$131kMedian applicant income
14Loans originated
5Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 6 | 10.0% | 8.13% | #349 |
| 2024 | 12 | 5 | 41.7% | 6.88% | #328 |
| 2025 | 22 | 14 | 22.7% | 7.05% | #291 |
What Baxter Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 4 | 3 | 1 | 25.0% |
| Clackamas County | 4 | 3 | 0 | 0.0% |
| Washington County | 4 | 1 | 2 | 50.0% |
| Marion County | 2 | 1 | 1 | 50.0% |
| Klamath County | 2 | 2 | 0 | 0.0% |
| Jackson County | 2 | 1 | 1 | 50.0% |
| Lincoln County | 2 | 1 | 0 | 0.0% |
| Deschutes County | 1 | 1 | 0 | 0.0% |
| Polk County | 1 | 1 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 22 applications in 2025, of which 14 were originated and 5 denied.
22.7% of all applications, or 22.7% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Baxter Credit Union originated in Oregon in 2025 was 7.05%, against a statewide median of 6.75%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology