Baxter Credit Union in Virginia vs the state
18.2%Denial rate+2.24 pts vs state
18.7%Decision denial rate-1.58 pts vs state
64.9%Origination rate+5.42 pts vs state
7.63%Median rate+1.00 pts vs state
0.55Rate spread (pts)+0.33 pts vs state
$146kMedian applicant income
50Loans originated
14Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 66 | 36 | 25.8% | 8.25% | #320 |
| 2024 | 70 | 39 | 17.1% | 8.38% | #322 |
| 2025 | 77 | 50 | 18.2% | 7.63% | #315 |
What Baxter Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Baxter Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spotsylvania County | 11 | 8 | 2 | 18.2% |
| Fairfax County | 9 | 5 | 1 | 11.1% |
| Chesterfield County | 8 | 5 | 3 | 37.5% |
| Prince William County | 5 | 3 | 2 | 40.0% |
| Loudoun County | 5 | 4 | 0 | 0.0% |
| Virginia Beach city | 5 | 4 | 1 | 20.0% |
| Caroline County | 4 | 4 | 0 | 0.0% |
| Albemarle County | 3 | 0 | 1 | 33.3% |
| Hanover County | 2 | 2 | 0 | 0.0% |
| Campbell County | 2 | 2 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 77 applications in 2025, of which 50 were originated and 14 denied.
18.2% of all applications, or 18.7% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Baxter Credit Union originated in Virginia in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are Baxter Credit Union's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology