We analyzed every closed loan from Baxter Credit Union — 912 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
National · 13 mkts
Awards
Conventional
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Baxter Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+0.6 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
National · 14 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 859 | 94.2% | +0.023%Above | $1,088Fees | ||||
Jumbo Loans | 53 | 5.8% | -0.290%Below | $1,066Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume859
Mix94.2%
Spread
+0.023%Above
Fees
$1,088Fees
Jumbo Loans
OverallSound
ProductSound
PricingExceptional
Pull ThroughSound
Volume53
Mix5.8%
Spread
-0.290%Below
Fees
$1,066Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 794 | 87.1% | +0.021%Above | $1,127Fees | ||||
Refinance | 118 | 12.9% | -0.094%Below | $813Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume794
Mix87.1%
Spread
+0.021%Above
Fees
$1,127Fees
Refinance
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume118
Mix12.9%
Spread
-0.094%Below
Fees
$813Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
912
Applications
1,356
Volume
$374 million
Pricing & Closing
Avg Rate Spread
+0.006%
vs. market APOR
Avg Net Fees
$1,087
Origination − Credits
Pullthrough Rate
67.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$410,877
Avg Borrower Income
$199,133
Avg Property Value
$554,463
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
45
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
45Northeast8
CTMEMANHNJNYPARI
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South16
ALARDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West9
AZCACOHIMTNVORUTWA
Top Metro Areas by Place Specialization Score
Volume 67Mix 7.35% of portfolio
76/100
Strong
Volume 154Mix 16.89% of portfolio
70/100
Strong
Volume 105Mix 11.51% of portfolio
65/100
Strong
Volume 17Mix 1.86% of portfolio
47/100
Sound
Volume 13Mix 1.43% of portfolio
47/100
Sound
Volume 14Mix 1.54% of portfolio
43/100
Sound
Volume 13Mix 1.43% of portfolio
43/100
Sound
Volume 12Mix 1.32% of portfolio
42/100
Sound
Volume 14Mix 1.54% of portfolio
42/100
Sound
Volume 14Mix 1.54% of portfolio
41/100
SoundShowing 10 of 13 metro areas
Top States by Place Specialization Score
1
MinnesotaState
Volume 173Mix 18.97% of portfolio
70/100
Strong2
IllinoisState
Volume 185Mix 20.29% of portfolio
70/100
Strong3
WisconsinState
Volume 56Mix 6.14% of portfolio
57/100
Sound4
CaliforniaState
Volume 55Mix 6.03% of portfolio
51/100
Sound5
FloridaState
Volume 49Mix 5.37% of portfolio
49/100
Sound6
TexasState
Volume 42Mix 4.61% of portfolio
47/100
Sound7
IndianaState
Volume 25Mix 2.74% of portfolio
46/100
Sound8
North CarolinaState
Volume 28Mix 3.07% of portfolio
46/100
Sound9
GeorgiaState
Volume 24Mix 2.63% of portfolio
46/100
Sound10
TennesseeState
Volume 22Mix 2.41% of portfolio
45/100
SoundShowing 10 of 18 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.