Baxter Credit Union in Utah vs the state
17.2%Denial rate+1.28 pts vs state
18.5%Decision denial rate-0.66 pts vs state
55.2%Origination rate-8.07 pts vs state
6.88%Median rate+0.25 pts vs state
-0.10Rate spread (pts)-0.34 pts vs state
$143kMedian applicant income
16Loans originated
5Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 19 | 10.3% | 8.50% | #182 |
| 2024 | 37 | 18 | 18.9% | 8.06% | #178 |
| 2025 | 29 | 16 | 17.2% | 6.88% | #213 |
What Baxter Credit Union lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 16 | 7 | 4 | 25.0% |
| Utah County | 4 | 2 | 1 | 25.0% |
| Iron County | 2 | 1 | 0 | 0.0% |
| Wasatch County | 2 | 2 | 0 | 0.0% |
| Tooele County | 1 | 1 | 0 | 0.0% |
| Weber County | 1 | 1 | 0 | 0.0% |
| Summit County | 1 | 0 | 0 | 0.0% |
| Davis County | 1 | 1 | 0 | 0.0% |
| Cache County | 1 | 1 | 0 | 0.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 29 applications in 2025, of which 16 were originated and 5 denied.
17.2% of all applications, or 18.5% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Baxter Credit Union originated in Utah in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology