What loan types does Baxter Credit Union offer?

Baxter Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Baxter Credit Union offer mortgages?

Baxter Credit Union is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Baxter Credit Union's mortgage rates?

Baxter Credit Union has an overall pricing score of 83/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Baxter Credit Union?

Baxter Credit Union is a Credit Union headquartered in Vernon Hills, IL.

Unclaimed

Baxter Credit Union

Credit Union•Vernon Hills, IL•Direct to Consumer

We analyzed every closed loan from Baxter Credit Union — 912 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Exceptional

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

Conventional · Jumbo

Place

Sound

National · 13 mkts

Safe Rate Awards⭐Conventional Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar

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Safe Rate's Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Nationwide availability with consistent service

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Report Card

Baxter Credit Union performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Exceptional	Market Leader +0.6 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
Jumbo	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders National14 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Exceptional	Sound	859	94.2%	+0.023%Above	$1,088Fees
Jumbo Loans	Strong	Sound	Exceptional	Sound	53	5.8%	-0.290%Below	$1,066Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Exceptional	Sound	794	87.1%	+0.021%Above	$1,127Fees
Refinance	Strong	Sound	Exceptional	Sound	118	12.9%	-0.094%Below	$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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

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Top Metro Areas by Place Specialization Score

Lake County, IL, ILMSA

Volume: 67Mix: 7.35%of portfolio

Place

Strong

Minneapolis, MN-WIMSA

Volume: 154Mix: 16.89%of portfolio

Place

Strong

Chicago, ILMSA

Volume: 105Mix: 11.51%of portfolio

Place

Strong

Anaheim, CAMSA

Volume: 17Mix: 1.86%of portfolio

Place

Sound

Kenosha, WI, WIMSA

Volume: 13Mix: 1.43%of portfolio

Place

Sound

Nashville, TNMSA

Volume: 14Mix: 1.54%of portfolio

Place

Sound

Columbus, OH, OHMSA

Volume: 13Mix: 1.43%of portfolio

Place

Sound

Milwaukee, WIMSA

Volume: 12Mix: 1.32%of portfolio

Place

Sound

Atlanta, GAMSA

Volume: 14Mix: 1.54%of portfolio

Place

Sound

Houston, TXMSA

Volume: 14Mix: 1.54%of portfolio

Place

Sound

Showing 10 of 13 metro areas

Top States by Place Specialization Score

MNState

Volume: 173Mix: 18.97%of portfolio

Place

Strong

ILState

Volume: 185Mix: 20.29%of portfolio

Place

Strong

WIState

Volume: 56Mix: 6.14%of portfolio

Place

Sound

CAState

Volume: 55Mix: 6.03%of portfolio

Place

Sound

FLState

Volume: 49Mix: 5.37%of portfolio

Place

Sound

TXState

Volume: 42Mix: 4.61%of portfolio

Place

Sound

INState

Volume: 25Mix: 2.74%of portfolio

Place

Sound

NCState

Volume: 28Mix: 3.07%of portfolio

Place

Sound

GAState

Volume: 24Mix: 2.63%of portfolio

Place

Sound

TNState

Volume: 22Mix: 2.41%of portfolio

Place

Sound

Showing 10 of 18 states

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.