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Baxter Credit Union
Credit Union|Vernon Hills, IL|National
Loans Originated
912
Applications
1,356
Volume
$374 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.006%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,087
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
67.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Nationwide availability with consistent service
Report Card
Baxter Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | National · 14 metro areas · 45 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$410,877
Average Borrower Income
$199,133
Average Property Value
$554,463
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% | $1,088 |
Jumbo Loans | Strong | Sound | Exceptional | Sound | 53 | 5.8% | -0.290% | $1,066 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Sound | 794 | 87.1% | +0.021% | $1,127 |
Refinance | Strong | Sound | Exceptional | Sound | 118 | 12.9% | -0.094% | $813 |
Geographic Coverage
Metro Areas
13
States Served
45
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
1
Lake County, IL, ILMSA
Volume: 67Mix: 7.35%
Place Specialization
Strong
2
Minneapolis, MN-WIMSA
Volume: 154Mix: 16.89%
Place Specialization
Strong
3
Chicago, ILMSA
Volume: 105Mix: 11.51%
Place Specialization
Strong
4
Anaheim, CAMSA
Volume: 17Mix: 1.86%
Place Specialization
Sound
5
Kenosha, WI, WIMSA
Volume: 13Mix: 1.43%
Place Specialization
Sound
6
Nashville, TNMSA
Volume: 14Mix: 1.54%
Place Specialization
Sound
7
Columbus, OH, OHMSA
Volume: 13Mix: 1.43%
Place Specialization
Sound
8
Milwaukee, WIMSA
Volume: 12Mix: 1.32%
Place Specialization
Sound
9
Atlanta, GAMSA
Volume: 14Mix: 1.54%
Place Specialization
Sound
10
Houston, TXMSA
Volume: 14Mix: 1.54%
Place Specialization
Sound
Showing 10 of 13 metro areas
Top States by Place Specialization Score
1
MNState
Volume: 173Mix: 18.97%
Place Specialization
Strong
2
ILState
Volume: 185Mix: 20.29%
Place Specialization
Strong
3
WIState
Volume: 56Mix: 6.14%
Place Specialization
Sound
4
CAState
Volume: 55Mix: 6.03%
Place Specialization
Sound
5
FLState
Volume: 49Mix: 5.37%
Place Specialization
Sound
6
TXState
Volume: 42Mix: 4.61%
Place Specialization
Sound
7
INState
Volume: 25Mix: 2.74%
Place Specialization
Sound
8
NCState
Volume: 28Mix: 3.07%
Place Specialization
Sound
9
GAState
Volume: 24Mix: 2.63%
Place Specialization
Sound
10
TNState
Volume: 22Mix: 2.41%
Place Specialization
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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