Baxter Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Baxter Credit Union 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Baxter Credit Union 340 N Milwaukee Ave Vernon Hills, IL 60061 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,714 |
| Total Mortgage Loan Application Amount | $313,564,000 |
| Average Mortgage Loan Application Amount | $183,152 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $103,355 |
| Highest Applicant Income | $9,600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Baxter Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Baxter Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Baxter Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Baxter Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Baxter Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Baxter Credit Union's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lake County Illinois | 638 | $ 113,950,000 | $ 178,000 | $ 84,000 |
| Cook County Illinois | 256 | $ 50,199,000 | $ 196,000 | $ 95,000 |
| McHenry County Illinois | 134 | $ 22,283,000 | $ 166,000 | $ 74,000 |
| Orange County California | 102 | $ 23,077,000 | $ 226,000 | $ 89,000 |
| Los Angeles County California | 49 | $ 11,232,000 | $ 229,000 | $ 97,000 |
| Kenosha County Wisconsin | 39 | $ 5,263,000 | $ 134,000 | $ 90,000 |
| Baxter County Arkansas | 26 | $ 2,160,000 | $ 83,000 | $ 57,000 |
| DuPage County Illinois | 26 | $ 5,744,000 | $ 220,000 | $ 100,000 |
| Bolivar County Mississippi | 25 | $ 1,935,000 | $ 77,000 | $ 40,000 |
| Ventura County California | 22 | $ 7,353,000 | $ 334,000 | $ 109,000 |
| Pinellas County Florida | 22 | $ 2,119,000 | $ 96,000 | $ 62,000 |
| Kane County Illinois | 18 | $ 3,311,000 | $ 183,000 | $ 80,000 |
| McDowell County North Carolina | 17 | $ 1,425,000 | $ 83,000 | $ 53,000 |
| San Bernardino County California | 15 | $ 2,953,000 | $ 196,000 | $ 88,000 |
| Miami-Dade County Florida | 15 | $ 3,459,000 | $ 230,000 | $ 112,000 |
| Riverside County California | 13 | $ 2,423,000 | $ 186,000 | $ 89,000 |
| Broward County Florida | 13 | $ 1,567,000 | $ 120,000 | $ 78,000 |
| San Diego County California | 10 | $ 2,464,000 | $ 246,000 | $ 138,000 |
| Hillsborough County Florida | 10 | $ 1,411,000 | $ 141,000 | $ 80,000 |
| Will County Illinois | 8 | $ 1,394,000 | $ 174,000 | $ 88,000 |
| Walworth County Wisconsin | 8 | $ 1,593,000 | $ 199,000 | $ 98,000 |
| Mitchell County North Carolina | 7 | $ 564,000 | $ 80,000 | $ 43,000 |
| Avery County North Carolina | 6 | $ 527,000 | $ 87,000 | $ 47,000 |
| Fulton County Arkansas | 5 | $ 461,000 | $ 92,000 | $ 48,000 |
| Wake County North Carolina | 5 | $ 890,000 | $ 178,000 | $ 130,000 |
| Maricopa County Arizona | 4 | $ 477,000 | $ 119,000 | $ 98,000 |
| Alameda County California | 4 | $ 1,750,000 | $ 437,000 | $ 152,000 |
| Kern County California | 4 | $ 669,000 | $ 167,000 | $ 108,000 |
| Somerset County New Jersey | 4 | $ 1,328,000 | $ 332,000 | $ 223,000 |
| Racine County Wisconsin | 4 | $ 384,000 | $ 96,000 | $ 78,000 |
| Contra Costa County California | 3 | $ 1,115,000 | $ 371,000 | $ 180,000 |
| Fresno County California | 3 | $ 544,000 | $ 181,000 | $ 63,000 |
| Pasco County Florida | 3 | $ 349,000 | $ 116,000 | $ 50,000 |
| Fulton County Georgia | 3 | $ 706,000 | $ 235,000 | $ 115,000 |
| Winnebago County Illinois | 3 | $ 311,000 | $ 103,000 | $ 85,000 |
| Norfolk County Massachusetts | 3 | $ 743,000 | $ 247,000 | $ 135,000 |
| Mecklenburg County North Carolina | 3 | $ 352,000 | $ 117,000 | $ 83,000 |
| Tarrant County Texas | 3 | $ 721,000 | $ 240,000 | $ 119,000 |
| Milwaukee County Wisconsin | 3 | $ 410,000 | $ 136,000 | $ 111,000 |
| Marion County Arkansas | 2 | $ 102,000 | $ 51,000 | $ 26,000 |
| Sacramento County California | 2 | $ 342,000 | $ 171,000 | $ 71,000 |
| San Mateo County California | 2 | $ 841,000 | $ 420,000 | $ 146,000 |
| Denver County Colorado | 2 | $ 341,000 | $ 170,000 | $ 96,000 |
| Duval County Florida | 2 | $ 385,000 | $ 192,000 | $ 101,000 |
| Orange County Florida | 2 | $ 138,000 | $ 69,000 | $ 85,000 |
| Palm Beach County Florida | 2 | $ 524,000 | $ 262,000 | $ 196,000 |
| Cobb County Georgia | 2 | $ 240,000 | $ 120,000 | $ 87,000 |
| Kendall County Illinois | 2 | $ 286,000 | $ 143,000 | $ 109,000 |
| Anne Arundel County Maryland | 2 | $ 243,000 | $ 121,000 | $ 72,000 |
| Berrien County Michigan | 2 | $ 422,000 | $ 211,000 | $ 248,000 |
| Houghton County Michigan | 2 | $ 232,000 | $ 116,000 | $ 68,000 |
| Leelanau County Michigan | 2 | $ 399,000 | $ 199,000 | $ 195,000 |
| Hennepin County Minnesota | 2 | $ 772,000 | $ 386,000 | $ 129,000 |
| Jefferson County Missouri | 2 | $ 172,000 | $ 86,000 | $ 35,000 |
| Ozark County Missouri | 2 | $ 236,000 | $ 118,000 | $ 67,000 |
| St. Louis County Missouri | 2 | $ 176,000 | $ 88,000 | $ 36,000 |
| Morris County New Jersey | 2 | $ 470,000 | $ 235,000 | $ 149,000 |
| Gaston County North Carolina | 2 | $ 166,000 | $ 83,000 | $ 79,000 |
| Trumbull County Ohio | 2 | $ 182,000 | $ 91,000 | $ 37,000 |
| Allegheny County Pennsylvania | 2 | $ 287,000 | $ 143,000 | $ 120,000 |
| Montgomery County Pennsylvania | 2 | $ 398,000 | $ 199,000 | $ 205,000 |
| York County Pennsylvania | 2 | $ 270,000 | $ 135,000 | $ 73,000 |
| Anderson County South Carolina | 2 | $ 211,000 | $ 105,000 | $ 62,000 |
| Fort Bend County Texas | 2 | $ 365,000 | $ 182,000 | $ 138,000 |
| Baldwin County Alabama | 1 | $ 225,000 | $ 225,000 | $ 126,000 |
| Yavapai County Arizona | 1 | $ 179,000 | $ 179,000 | $ 88,000 |
| Conway County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 42,000 |
| Garland County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 72,000 |
| Marin County California | 1 | $ 640,000 | $ 640,000 | $ 120,000 |
| Napa County California | 1 | $ 296,000 | $ 296,000 | $ 251,000 |
| Nevada County California | 1 | $ 101,000 | $ 101,000 | $ 266,000 |
| Placer County California | 1 | $ 225,000 | $ 225,000 | $ 143,000 |
| San Luis Obispo County California | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| Santa Cruz County California | 1 | $ 570,000 | $ 570,000 | $ 190,000 |
| Shasta County California | 1 | $ 194,000 | $ 194,000 | $ 126,000 |
| Solano County California | 1 | $ 234,000 | $ 234,000 | $ 331,000 |
| Douglas County Colorado | 1 | $ 540,000 | $ 540,000 | $ 112,000 |
| Grand County Colorado | 1 | $ 150,000 | $ 150,000 | $ 197,000 |
| Jefferson County Colorado | 1 | $ 170,000 | $ 170,000 | $ 148,000 |
| Rio Grande County Colorado | 1 | $ 240,000 | $ 240,000 | $ 86,000 |
| New Castle County Delaware | 1 | $ 174,000 | $ 174,000 | $ 139,000 |
| Brevard County Florida | 1 | $ 70,000 | $ 70,000 | $ 49,000 |
| Citrus County Florida | 1 | $ 84,000 | $ 84,000 | $ 63,000 |
| Glades County Florida | 1 | $ 88,000 | $ 88,000 | $ 33,000 |
| Hernando County Florida | 1 | $ 108,000 | $ 108,000 | $ 64,000 |
| Lee County Florida | 1 | $ 122,000 | $ 122,000 | $ 149,000 |
| Polk County Florida | 1 | $ 89,000 | $ 89,000 | $ 74,000 |
| Sarasota County Florida | 1 | $ 190,000 | $ 190,000 | $ 30,000 |
| Fayette County Georgia | 1 | $ 173,000 | $ 173,000 | $ 91,000 |
| Forsyth County Georgia | 1 | $ 230,000 | $ 230,000 | $ 67,000 |
| Gwinnett County Georgia | 1 | $ 104,000 | $ 104,000 | $ 77,000 |
| Henry County Georgia | 1 | $ 117,000 | $ 117,000 | $ 100,000 |
| Walton County Georgia | 1 | $ 202,000 | $ 202,000 | $ 106,000 |
| Ada County Idaho | 1 | $ 104,000 | $ 104,000 | $ 27,000 |
| Cumberland County Illinois | 1 | $ 44,000 | $ 44,000 | $ 13,000 |
| DeKalb County Illinois | 1 | $ 93,000 | $ 93,000 | $ 40,000 |
| Allen County Indiana | 1 | $ 99,000 | $ 99,000 | $ 120,000 |
| Lake County Indiana | 1 | $ 192,000 | $ 192,000 | $ 70,000 |
| Lawrence County Indiana | 1 | $ 137,000 | $ 137,000 | $ 90,000 |
| Noble County Indiana | 1 | $ 206,000 | $ 206,000 | $ 120,000 |
| Vanderburgh County Indiana | 1 | $ 273,000 | $ 273,000 | $ 97,000 |
| East Baton Rouge County Louisiana | 1 | $ 54,000 | $ 54,000 | $ 94,000 |
| Jefferson County Louisiana | 1 | $ 157,000 | $ 157,000 | $ 55,000 |
| Knox County Maine | 1 | $ 212,000 | $ 212,000 | $ 298,000 |
| York County Maine | 1 | $ 735,000 | $ 735,000 | $ 285,000 |
| Baltimore County Maryland | 1 | $ 117,000 | $ 117,000 | $ 66,000 |
| Frederick County Maryland | 1 | $ 280,000 | $ 280,000 | $ 93,000 |
| Montgomery County Maryland | 1 | $ 200,000 | $ 200,000 | $ 104,000 |
| Middlesex County Massachusetts | 1 | $ 295,000 | $ 295,000 | $ 169,000 |
| Eaton County Michigan | 1 | $ 77,000 | $ 77,000 | $ 67,000 |
| Iron County Michigan | 1 | $ 436,000 | $ 436,000 | $ 107,000 |
| Kent County Michigan | 1 | $ 323,000 | $ 323,000 | $ 103,000 |
| Livingston County Michigan | 1 | $ 185,000 | $ 185,000 | $ 82,000 |
| Oakland County Michigan | 1 | $ 194,000 | $ 194,000 | $ 73,000 |
| Washtenaw County Michigan | 1 | $ 376,000 | $ 376,000 | $ 136,000 |
| Wayne County Michigan | 1 | $ 100,000 | $ 100,000 | $ 153,000 |
| Becker County Minnesota | 1 | $ 210,000 | $ 210,000 | $ 136,000 |
| Washington County Minnesota | 1 | $ 238,000 | $ 238,000 | $ 78,000 |
| Madison County Mississippi | 1 | $ 263,000 | $ 263,000 | $ 126,000 |
| Sunflower County Mississippi | 1 | $ 76,000 | $ 76,000 | $ 48,000 |
| Jasper County Missouri | 1 | $ 42,000 | $ 42,000 | $ 76,000 |
| St. Charles County Missouri | 1 | $ 202,000 | $ 202,000 | $ 134,000 |
| Clark County Nevada | 1 | $ 150,000 | $ 150,000 | $ 74,000 |
| Cheshire County New Hampshire | 1 | $ 200,000 | $ 200,000 | $ 141,000 |
| Hillsborough County New Hampshire | 1 | $ 195,000 | $ 195,000 | $ 78,000 |
| Rockingham County New Hampshire | 1 | $ 900,000 | $ 900,000 | $ 320,000 |
| Atlantic County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 81,000 |
| Bergen County New Jersey | 1 | $ 307,000 | $ 307,000 | $ 38,000 |
| Burlington County New Jersey | 1 | $ 450,000 | $ 450,000 | $ 232,000 |
| Essex County New Jersey | 1 | $ 218,000 | $ 218,000 | $ 195,000 |
| Hudson County New Jersey | 1 | $ 519,000 | $ 519,000 | $ 200,000 |
| Middlesex County New Jersey | 1 | $ 200,000 | $ 200,000 | $ 69,000 |
| Monmouth County New Jersey | 1 | $ 304,000 | $ 304,000 | $ 134,000 |
| Union County New Jersey | 1 | $ 114,000 | $ 114,000 | $ 93,000 |
| Chautauqua County New York | 1 | $ 67,000 | $ 67,000 | $ 201,000 |
| Monroe County New York | 1 | $ 88,000 | $ 88,000 | $ 77,000 |
| Saratoga County New York | 1 | $ 215,000 | $ 215,000 | $ 47,000 |
| Suffolk County New York | 1 | $ 210,000 | $ 210,000 | $ 135,000 |
| Westchester County New York | 1 | $ 307,000 | $ 307,000 | $ 115,000 |
| Wyoming County New York | 1 | $ 88,000 | $ 88,000 | $ 66,000 |
| Buncombe County North Carolina | 1 | $ 109,000 | $ 109,000 | $ 80,000 |
| Burke County North Carolina | 1 | $ 119,000 | $ 119,000 | $ 42,000 |
| Cumberland County North Carolina | 1 | $ 90,000 | $ 90,000 | $ 76,000 |
| Pitt County North Carolina | 1 | $ 124,000 | $ 124,000 | $ 24,000 |
| Rutherford County North Carolina | 1 | $ 56,000 | $ 56,000 | $ 23,000 |
| Cuyahoga County Ohio | 1 | $ 276,000 | $ 276,000 | $ 226,000 |
| Franklin County Ohio | 1 | $ 181,000 | $ 181,000 | $ 95,000 |
| Geauga County Ohio | 1 | $ 168,000 | $ 168,000 | $ 200,000 |
| Greene County Ohio | 1 | $ 120,000 | $ 120,000 | $ 127,000 |
| Warren County Ohio | 1 | $ 119,000 | $ 119,000 | $ 52,000 |
| Multnomah County Oregon | 1 | $ 175,000 | $ 175,000 | $ 213,000 |
| Chester County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 136,000 |
| Shelby County Tennessee | 1 | $ 84,000 | $ 84,000 | $ 131,000 |
| El Paso County Texas | 1 | $ 214,000 | $ 214,000 | $ 177,000 |
| Harris County Texas | 1 | $ 218,000 | $ 218,000 | $ 103,000 |
| Montgomery County Texas | 1 | $ 131,000 | $ 131,000 | $ 115,000 |
| Salt Lake County Utah | 1 | $ 131,000 | $ 131,000 | $ 104,000 |
| Lamoille County Vermont | 1 | $ 191,000 | $ 191,000 | $ 112,000 |
| Albemarle County Virginia | 1 | $ 224,000 | $ 224,000 | $ 75,000 |
| Door County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 89,000 |
| Jefferson County Wisconsin | 1 | $ 271,000 | $ 271,000 | $ 180,000 |
| Marquette County Wisconsin | 1 | $ 41,000 | $ 41,000 | $ 25,000 |
| Monroe County Wisconsin | 1 | $ 112,000 | $ 112,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Baxter Credit Union in 2003
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 1,408 | $251,856,000 | $183,787 | $2,500,000 | $109,363 | $9,600,000 |
| Home Purchase (one-to-four family) | 304 | $61,461,000 | $184,720 | $1,280,000 | $96,640 | $712,000 |
| Home Improvement (one-to-four family) | 2 | $247,000 | $123,000 | $153,000 | $73,000 | $75,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,282 | $236,799,000 | $192,333 | $2,500,000 | $110,212 | $9,600,000 |
| Information not provided by applicant in mail or telephone application | 208 | $38,796,000 | $160,882 | $1,429,000 | $96,764 | $624,000 |
| Hispanic | 100 | $16,136,000 | $149,000 | $500,000 | $82,428 | $189,000 |
| Asian or Pacific Islander | 73 | $13,171,000 | $176,000 | $473,000 | $95,500 | $268,000 |
| Black | 29 | $3,929,000 | $131,500 | $290,000 | $84,000 | $238,000 |
| Other | 19 | $3,966,000 | $210,500 | $606,000 | $66,000 | $241,000 |
| American Indian or Alaskan Native | 2 | $517,000 | $258,500 | $260,000 | $82,500 | $93,000 |
| Not applicable | 1 | $250,000 | $250,000 | $250,000 | $39,000 | $39,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,714 | $313,564,000 | $189,166 | $2,500,000 | $107,111 | $9,600,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,650 | $302,435,000 | $184,971 | $2,500,000 | $110,800 | $9,600,000 |
| Application Withdrawn By Applicant | 33 | $6,550,000 | $151,111 | $563,000 | $84,666 | $153,000 |
| Application Denied By Financial Institution | 16 | $1,935,000 | $147,500 | $337,000 | $48,750 | $103,000 |
| File Closed For Incompleteness | 15 | $2,644,000 | $201,250 | $500,000 | $52,750 | $142,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 9 | $1,254,000 | $142,750 | $337,000 | $50,000 | $83,000 |
| Debt-To-Income Ratio | 2 | $204,000 | $102,000 | $124,000 | $24,000 | $24,000 |
| Employment History | 2 | $56,000 | $28,000 | $45,000 | $17,000 | $18,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Baxter Credit Union's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Baxter Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.