Baxter Credit Union in Pennsylvania vs the state
22.2%Denial rate+3.93 pts vs state
23.5%Decision denial rate+1.32 pts vs state
52.8%Origination rate-8.18 pts vs state
6.81%Median rate+0.19 pts vs state
0.09Rate spread (pts)-0.15 pts vs state
$144kMedian applicant income
38Loans originated
16Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 26 | 21.2% | 7.81% | #471 |
| 2024 | 68 | 34 | 32.4% | 7.75% | #427 |
| 2025 | 72 | 38 | 22.2% | 6.81% | #429 |
What Baxter Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 15 | 6 | 6 | 40.0% |
| Northampton County | 11 | 5 | 1 | 9.1% |
| Allegheny County | 10 | 6 | 2 | 20.0% |
| Luzerne County | 4 | 2 | 1 | 25.0% |
| Chester County | 3 | 3 | 0 | 0.0% |
| Monroe County | 3 | 1 | 1 | 33.3% |
| Westmoreland County | 3 | 3 | 0 | 0.0% |
| Philadelphia County | 3 | 1 | 1 | 33.3% |
| Lehigh County | 2 | 0 | 0 | 0.0% |
| Delaware County | 2 | 1 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 72 applications in 2025, of which 38 were originated and 16 denied.
22.2% of all applications, or 23.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Baxter Credit Union originated in Pennsylvania in 2025 was 6.81%, against a statewide median of 6.63%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology