Baxter Credit Union in Tennessee vs the state
19.2%Denial rate+2.09 pts vs state
19.7%Decision denial rate-1.99 pts vs state
57.7%Origination rate-0.39 pts vs state
7.00%Median rate+0.38 pts vs state
0.15Rate spread (pts)-0.08 pts vs state
$137kMedian applicant income
75Loans originated
25Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 121 | 72 | 19.8% | 8.00% | #264 |
| 2024 | 105 | 61 | 13.3% | 8.00% | #300 |
| 2025 | 130 | 75 | 19.2% | 7.00% | #281 |
What Baxter Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williamson County | 22 | 12 | 3 | 13.6% |
| Davidson County | 19 | 10 | 4 | 21.1% |
| Rutherford County | 15 | 8 | 7 | 46.7% |
| Wilson County | 7 | 6 | 0 | 0.0% |
| Sumner County | 7 | 2 | 3 | 42.9% |
| Maury County | 6 | 4 | 1 | 16.7% |
| Grainger County | 5 | 3 | 0 | 0.0% |
| Shelby County | 5 | 4 | 0 | 0.0% |
| Knox County | 5 | 3 | 0 | 0.0% |
| Hamilton County | 3 | 2 | 1 | 33.3% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 130 applications in 2025, of which 75 were originated and 25 denied.
19.2% of all applications, or 19.7% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Baxter Credit Union originated in Tennessee in 2025 was 7.00%, against a statewide median of 6.62%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology