Baxter Credit Union in Texas vs the state
42.4%Denial rate+22.93 pts vs state
43.7%Decision denial rate+18.75 pts vs state
33.5%Origination rate-21.38 pts vs state
6.81%Median rate+0.31 pts vs state
0.47Rate spread (pts)+0.28 pts vs state
$138kMedian applicant income
68Loans originated
86Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 214 | 94 | 28.0% | 7.63% | #389 |
| 2024 | 208 | 80 | 34.6% | 6.88% | #392 |
| 2025 | 203 | 68 | 42.4% | 6.81% | #414 |
What Baxter Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 34 | 10 | 16 | 47.1% |
| Bexar County | 26 | 6 | 13 | 50.0% |
| Dallas County | 23 | 8 | 9 | 39.1% |
| Tarrant County | 17 | 7 | 4 | 23.5% |
| Denton County | 16 | 5 | 4 | 25.0% |
| Collin County | 14 | 5 | 5 | 35.7% |
| Travis County | 12 | 5 | 2 | 16.7% |
| Fort Bend County | 7 | 1 | 5 | 71.4% |
| Williamson County | 5 | 4 | 1 | 20.0% |
| Montgomery County | 5 | 0 | 4 | 80.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 203 applications in 2025, of which 68 were originated and 86 denied.
42.4% of all applications, or 43.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Baxter Credit Union originated in Texas in 2025 was 6.81%, against a statewide median of 6.50%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology