Baxter Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Baxter Credit Union 2005 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 | 1,373 |
| Total Mortgage Loan Application Amount | $218,962,000 |
| Average Mortgage Loan Application Amount | $152,882 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $103,450 |
| Highest Applicant Income | $1,992,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 335 | $ 56,675,000 | $ 169,000 | $ 85,000 |
| Cook County Illinois | 106 | $ 20,815,000 | $ 196,000 | $ 128,000 |
| McHenry County Illinois | 85 | $ 13,678,000 | $ 160,000 | $ 78,000 |
| Kenosha County Wisconsin | 50 | $ 6,121,000 | $ 122,000 | $ 63,000 |
| Orange County California | 33 | $ 6,122,000 | $ 185,000 | $ 71,000 |
| Los Angeles County California | 31 | $ 5,909,000 | $ 190,000 | $ 77,000 |
| Bolivar County Mississippi | 28 | $ 1,880,000 | $ 67,000 | $ 39,000 |
| McDowell County North Carolina | 25 | $ 1,964,000 | $ 78,000 | $ 41,000 |
| Miami-Dade County Florida | 20 | $ 2,319,000 | $ 115,000 | $ 59,000 |
| Hennepin County Minnesota | 20 | $ 3,809,000 | $ 190,000 | $ 94,000 |
| Baxter County Arkansas | 19 | $ 1,781,000 | $ 93,000 | $ 56,000 |
| San Bernardino County California | 17 | $ 2,141,000 | $ 125,000 | $ 51,000 |
| Broward County Florida | 16 | $ 1,874,000 | $ 117,000 | $ 73,000 |
| Pinellas County Florida | 14 | $ 1,934,000 | $ 138,000 | $ 68,000 |
| Riverside County California | 13 | $ 2,420,000 | $ 186,000 | $ 82,000 |
| Ventura County California | 10 | $ 2,886,000 | $ 288,000 | $ 122,000 |
| Maricopa County Arizona | 9 | $ 2,652,000 | $ 294,000 | $ 150,000 |
| Gwinnett County Georgia | 9 | $ 1,140,000 | $ 126,000 | $ 76,000 |
| Wright County Minnesota | 9 | $ 991,000 | $ 110,000 | $ 48,000 |
| Buncombe County North Carolina | 9 | $ 809,000 | $ 89,000 | $ 94,000 |
| Walworth County Wisconsin | 9 | $ 999,000 | $ 111,000 | $ 88,000 |
| Hillsborough County Florida | 7 | $ 1,313,000 | $ 187,000 | $ 81,000 |
| Fulton County Georgia | 7 | $ 1,216,000 | $ 173,000 | $ 95,000 |
| DuPage County Illinois | 7 | $ 1,373,000 | $ 196,000 | $ 117,000 |
| Palm Beach County Florida | 6 | $ 3,851,000 | $ 641,000 | $ 168,000 |
| Kane County Illinois | 6 | $ 1,002,000 | $ 167,000 | $ 72,000 |
| Monroe County Indiana | 6 | $ 498,000 | $ 83,000 | $ 57,000 |
| Pasco County Florida | 5 | $ 789,000 | $ 157,000 | $ 81,000 |
| Baltimore County Maryland | 5 | $ 582,000 | $ 116,000 | $ 72,000 |
| Avery County North Carolina | 5 | $ 198,000 | $ 39,000 | $ 26,000 |
| Franklin County Ohio | 5 | $ 660,000 | $ 132,000 | $ 84,000 |
| Fulton County Arkansas | 4 | $ 209,000 | $ 52,000 | $ 26,000 |
| San Diego County California | 4 | $ 1,170,000 | $ 292,000 | $ 100,000 |
| Lee County Florida | 4 | $ 468,000 | $ 117,000 | $ 96,000 |
| Seminole County Florida | 4 | $ 348,000 | $ 87,000 | $ 87,000 |
| Will County Illinois | 4 | $ 598,000 | $ 149,000 | $ 70,000 |
| Anoka County Minnesota | 4 | $ 376,000 | $ 94,000 | $ 82,000 |
| Aguada County Puerto Rico | 4 | $ 500,000 | $ 125,000 | $ 28,000 |
| Harris County Texas | 4 | $ 265,000 | $ 66,000 | $ 95,000 |
| Pima County Arizona | 3 | $ 393,000 | $ 131,000 | $ 84,000 |
| Orange County Florida | 3 | $ 501,000 | $ 167,000 | $ 50,000 |
| Cobb County Georgia | 3 | $ 736,000 | $ 245,000 | $ 119,000 |
| DeKalb County Georgia | 3 | $ 434,000 | $ 144,000 | $ 85,000 |
| Anne Arundel County Maryland | 3 | $ 600,000 | $ 200,000 | $ 71,000 |
| Baltimore City County Maryland | 3 | $ 167,000 | $ 55,000 | $ 40,000 |
| Sunflower County Mississippi | 3 | $ 83,000 | $ 27,000 | $ 20,000 |
| Howell County Missouri | 3 | $ 71,000 | $ 23,000 | $ 34,000 |
| Burlington County New Jersey | 3 | $ 737,000 | $ 245,000 | $ 98,000 |
| Bernalillo County New Mexico | 3 | $ 230,000 | $ 76,000 | $ 44,000 |
| Multnomah County Oregon | 3 | $ 380,000 | $ 126,000 | $ 159,000 |
| Travis County Texas | 3 | $ 292,000 | $ 97,000 | $ 109,000 |
| Racine County Wisconsin | 3 | $ 681,000 | $ 227,000 | $ 111,000 |
| Izard County Arkansas | 2 | $ 184,000 | $ 92,000 | $ 62,000 |
| Mono County California | 2 | $ 306,000 | $ 153,000 | $ 181,000 |
| Placer County California | 2 | $ 134,000 | $ 67,000 | $ 52,000 |
| Sacramento County California | 2 | $ 305,000 | $ 152,000 | $ 80,000 |
| Tulare County California | 2 | $ 81,000 | $ 40,000 | $ 96,000 |
| Fairfield County Connecticut | 2 | $ 2,340,000 | $ 1,170,000 | $ 645,000 |
| Collier County Florida | 2 | $ 370,000 | $ 185,000 | $ 140,000 |
| Duval County Florida | 2 | $ 244,000 | $ 122,000 | $ 39,000 |
| Hernando County Florida | 2 | $ 674,000 | $ 337,000 | $ 50,000 |
| Monroe County Florida | 2 | $ 525,000 | $ 262,000 | $ 75,000 |
| Nassau County Florida | 2 | $ 247,000 | $ 123,000 | $ 56,000 |
| Volusia County Florida | 2 | $ 255,000 | $ 127,000 | $ 69,000 |
| Kendall County Illinois | 2 | $ 366,000 | $ 183,000 | $ 111,000 |
| Winnebago County Illinois | 2 | $ 101,000 | $ 50,000 | $ 99,000 |
| Scott County Iowa | 2 | $ 75,000 | $ 37,000 | $ 25,000 |
| Montgomery County Maryland | 2 | $ 370,000 | $ 185,000 | $ 92,000 |
| Berrien County Michigan | 2 | $ 49,000 | $ 24,000 | $ 30,000 |
| Sherburne County Minnesota | 2 | $ 252,000 | $ 126,000 | $ 93,000 |
| Jackson County Missouri | 2 | $ 127,000 | $ 63,000 | $ 37,000 |
| Macon County Missouri | 2 | $ 112,000 | $ 56,000 | $ 34,000 |
| Ozark County Missouri | 2 | $ 156,000 | $ 78,000 | $ 47,000 |
| Orange County New York | 2 | $ 495,000 | $ 247,000 | $ 58,000 |
| Burke County North Carolina | 2 | $ 246,000 | $ 123,000 | $ 55,000 |
| Cabarrus County North Carolina | 2 | $ 201,000 | $ 100,000 | $ 55,000 |
| Guilford County North Carolina | 2 | $ 208,000 | $ 104,000 | $ 62,000 |
| Mitchell County North Carolina | 2 | $ 172,000 | $ 86,000 | $ 26,000 |
| Rutherford County North Carolina | 2 | $ 111,000 | $ 55,000 | $ 35,000 |
| Yancey County North Carolina | 2 | $ 320,000 | $ 160,000 | $ 44,000 |
| Mahoning County Ohio | 2 | $ 134,000 | $ 67,000 | $ 42,000 |
| Aguadilla County Puerto Rico | 2 | $ 334,000 | $ 167,000 | $ 76,000 |
| Davidson County Tennessee | 2 | $ 199,000 | $ 99,000 | $ 60,000 |
| Shelby County Tennessee | 2 | $ 225,000 | $ 112,000 | $ 128,000 |
| Calhoun County Texas | 2 | $ 112,000 | $ 56,000 | $ 153,000 |
| Dallas County Texas | 2 | $ 287,000 | $ 143,000 | $ 107,000 |
| El Paso County Texas | 2 | $ 85,000 | $ 42,000 | $ 78,000 |
| Milwaukee County Wisconsin | 2 | $ 154,000 | $ 77,000 | $ 116,000 |
| Lee County Alabama | 1 | $ 112,000 | $ 112,000 | $ 147,000 |
| Montgomery County Alabama | 1 | $ 138,000 | $ 138,000 | $ 120,000 |
| Mohave County Arizona | 1 | $ 230,000 | $ 230,000 | $ 81,000 |
| Garland County Arkansas | 1 | $ 92,000 | $ 92,000 | $ 101,000 |
| Independence County Arkansas | 1 | $ 117,000 | $ 117,000 | $ 77,000 |
| Marion County Arkansas | 1 | $ 59,000 | $ 59,000 | $ 20,000 |
| Butte County California | 1 | $ 51,000 | $ 51,000 | $ 60,000 |
| Contra Costa County California | 1 | $ 104,000 | $ 104,000 | $ 250,000 |
| Fresno County California | 1 | $ 100,000 | $ 100,000 | $ 55,000 |
| Kern County California | 1 | $ 285,000 | $ 285,000 | $ 72,000 |
| Santa Clara County California | 1 | $ 40,000 | $ 40,000 | $ 72,000 |
| Tuolumne County California | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Yolo County California | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| Chaffee County Colorado | 1 | $ 236,000 | $ 236,000 | $ 74,000 |
| Denver County Colorado | 1 | $ 35,000 | $ 35,000 | $ 58,000 |
| Douglas County Colorado | 1 | $ 174,000 | $ 174,000 | $ 150,000 |
| New Haven County Connecticut | 1 | $ 145,000 | $ 145,000 | $ 124,000 |
| New Castle County Delaware | 1 | $ 53,000 | $ 53,000 | $ 91,000 |
| Alachua County Florida | 1 | $ 99,000 | $ 99,000 | $ 122,000 |
| Charlotte County Florida | 1 | $ 359,000 | $ 359,000 | $ 21,000 |
| Escambia County Florida | 1 | $ 63,000 | $ 63,000 | $ 88,000 |
| Flagler County Florida | 1 | $ 198,000 | $ 198,000 | $ 82,000 |
| Marion County Florida | 1 | $ 151,000 | $ 151,000 | $ 83,000 |
| St. Johns County Florida | 1 | $ 150,000 | $ 150,000 | $ 67,000 |
| Douglas County Georgia | 1 | $ 10,000 | $ 10,000 | $ 8,000 |
| Glynn County Georgia | 1 | $ 144,000 | $ 144,000 | $ 42,000 |
| Houston County Georgia | 1 | $ 126,000 | $ 126,000 | $ 60,000 |
| Oglethorpe County Georgia | 1 | $ 35,000 | $ 35,000 | $ 27,000 |
| Rockdale County Georgia | 1 | $ 130,000 | $ 130,000 | $ 98,000 |
| Walton County Georgia | 1 | $ 22,000 | $ 22,000 | $ 14,000 |
| Canyon County Idaho | 1 | $ 191,000 | $ 191,000 | $ 62,000 |
| Gem County Idaho | 1 | $ 40,000 | $ 40,000 | $ 27,000 |
| Kootenai County Idaho | 1 | $ 250,000 | $ 250,000 | $ 49,000 |
| Champaign County Illinois | 1 | $ 138,000 | $ 138,000 | $ 60,000 |
| Effingham County Illinois | 1 | $ 90,000 | $ 90,000 | $ 90,000 |
| Marion County Indiana | 1 | $ 10,000 | $ 10,000 | $ 60,000 |
| Johnson County Kansas | 1 | $ 15,000 | $ 15,000 | $ 135,000 |
| St. Charles County Louisiana | 1 | $ 104,000 | $ 104,000 | $ 90,000 |
| St. Tammany County Louisiana | 1 | $ 178,000 | $ 178,000 | $ 68,000 |
| Oxford County Maine | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Howard County Maryland | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
| Queen Anne's County Maryland | 1 | $ 53,000 | $ 53,000 | $ 80,000 |
| Bristol County Massachusetts | 1 | $ 78,000 | $ 78,000 | $ 199,000 |
| Norfolk County Massachusetts | 1 | $ 270,000 | $ 270,000 | $ 223,000 |
| Allegan County Michigan | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Gogebic County Michigan | 1 | $ 71,000 | $ 71,000 | $ 117,000 |
| Iosco County Michigan | 1 | $ 102,000 | $ 102,000 | $ 38,000 |
| Mackinac County Michigan | 1 | $ 192,000 | $ 192,000 | $ 167,000 |
| Oakland County Michigan | 1 | $ 298,000 | $ 298,000 | $ 127,000 |
| Van Buren County Michigan | 1 | $ 150,000 | $ 150,000 | $ 75,000 |
| Washtenaw County Michigan | 1 | $ 216,000 | $ 216,000 | $ 68,000 |
| Wayne County Michigan | 1 | $ 194,000 | $ 194,000 | $ 68,000 |
| Isanti County Minnesota | 1 | $ 26,000 | $ 26,000 | $ 51,000 |
| Mille Lacs County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| Mower County Minnesota | 1 | $ 221,000 | $ 221,000 | $ 102,000 |
| Hinds County Mississippi | 1 | $ 89,000 | $ 89,000 | $ 39,000 |
| Montgomery County Mississippi | 1 | $ 60,000 | $ 60,000 | $ 64,000 |
| Rankin County Mississippi | 1 | $ 111,000 | $ 111,000 | $ 140,000 |
| Camden County Missouri | 1 | $ 28,000 | $ 28,000 | $ 49,000 |
| Greene County Missouri | 1 | $ 45,000 | $ 45,000 | $ 21,000 |
| St. Louis County Missouri | 1 | $ 600,000 | $ 600,000 | $ 257,000 |
| Taney County Missouri | 1 | $ 178,000 | $ 178,000 | $ 55,000 |
| Gallatin County Montana | 1 | $ 522,000 | $ 522,000 | $ 70,000 |
| Douglas County Nebraska | 1 | $ 60,000 | $ 60,000 | $ 22,000 |
| Clark County Nevada | 1 | $ 20,000 | $ 20,000 | $ 60,000 |
| Washoe County Nevada | 1 | $ 214,000 | $ 214,000 | $ 85,000 |
| Bergen County New Jersey | 1 | $ 20,000 | $ 20,000 | $ 50,000 |
| Hunterdon County New Jersey | 1 | $ 10,000 | $ 10,000 | $ 79,000 |
| Mercer County New Jersey | 1 | $ 418,000 | $ 418,000 | $ 275,000 |
| Middlesex County New Jersey | 1 | $ 220,000 | $ 220,000 | $ 112,000 |
| Morris County New Jersey | 1 | $ 291,000 | $ 291,000 | $ 45,000 |
| Ocean County New Jersey | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Passaic County New Jersey | 1 | $ 104,000 | $ 104,000 | $ 159,000 |
| Somerset County New Jersey | 1 | $ 50,000 | $ 50,000 | $ 108,000 |
| Union County New Jersey | 1 | $ 340,000 | $ 340,000 | $ 95,000 |
| Kings County New York | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Nassau County New York | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Queens County New York | 1 | $ 399,000 | $ 399,000 | $ 134,000 |
| Suffolk County New York | 1 | $ 73,000 | $ 73,000 | $ 120,000 |
| Carteret County North Carolina | 1 | $ 96,000 | $ 96,000 | $ 48,000 |
| Catawba County North Carolina | 1 | $ 104,000 | $ 104,000 | $ 42,000 |
| Cumberland County North Carolina | 1 | $ 72,000 | $ 72,000 | $ 67,000 |
| Lincoln County North Carolina | 1 | $ 1,100,000 | $ 1,100,000 | $ 200,000 |
| Union County North Carolina | 1 | $ 240,000 | $ 240,000 | $ 132,000 |
| Wake County North Carolina | 1 | $ 127,000 | $ 127,000 | $ 35,000 |
| Brown County Ohio | 1 | $ 108,000 | $ 108,000 | $ 61,000 |
| Clermont County Ohio | 1 | $ 279,000 | $ 279,000 | $ 68,000 |
| Cuyahoga County Ohio | 1 | $ 357,000 | $ 357,000 | $ 96,000 |
| Delaware County Ohio | 1 | $ 23,000 | $ 23,000 | $ 66,000 |
| Hamilton County Ohio | 1 | $ 201,000 | $ 201,000 | $ 213,000 |
| Madison County Ohio | 1 | $ 17,000 | $ 17,000 | $ 41,000 |
| Stark County Ohio | 1 | $ 108,000 | $ 108,000 | $ 76,000 |
| Union County Ohio | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Warren County Ohio | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Clackamas County Oregon | 1 | $ 14,000 | $ 14,000 | $ 44,000 |
| Washington County Oregon | 1 | $ 60,000 | $ 60,000 | $ 52,000 |
| Yamhill County Oregon | 1 | $ 75,000 | $ 75,000 | $ 71,000 |
| Chester County Pennsylvania | 1 | $ 266,000 | $ 266,000 | $ 112,000 |
| Delaware County Pennsylvania | 1 | $ 360,000 | $ 360,000 | $ 140,000 |
| Montgomery County Pennsylvania | 1 | $ 81,000 | $ 81,000 | $ 110,000 |
| Pike County Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 39,000 |
| Anasco County Puerto Rico | 1 | $ 76,000 | $ 76,000 | $ 45,000 |
| Carolina County Puerto Rico | 1 | $ 20,000 | $ 20,000 | $ 11,000 |
| Cayey County Puerto Rico | 1 | $ 40,000 | $ 40,000 | $ 17,000 |
| Dorado County Puerto Rico | 1 | $ 306,000 | $ 306,000 | $ 89,000 |
| Humacao County Puerto Rico | 1 | $ 170,000 | $ 170,000 | $ 191,000 |
| Las Marias County Puerto Rico | 1 | $ 29,000 | $ 29,000 | $ 21,000 |
| Mayaguez County Puerto Rico | 1 | $ 75,000 | $ 75,000 | $ 21,000 |
| San Sebastian County Puerto Rico | 1 | $ 78,000 | $ 78,000 | $ 22,000 |
| Trujillo Alto County Puerto Rico | 1 | $ 25,000 | $ 25,000 | $ 19,000 |
| Vega Alta County Puerto Rico | 1 | $ 215,000 | $ 215,000 | $ 65,000 |
| Newport County Rhode Island | 1 | $ 290,000 | $ 290,000 | $ 67,000 |
| Anderson County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 109,000 |
| Greenville County South Carolina | 1 | $ 357,000 | $ 357,000 | $ 150,000 |
| Horry County South Carolina | 1 | $ 788,000 | $ 788,000 | $ 138,000 |
| Williamsburg County South Carolina | 1 | $ 104,000 | $ 104,000 | $ 39,000 |
| Carter County Tennessee | 1 | $ 21,000 | $ 21,000 | $ 38,000 |
| Brazoria County Texas | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Collin County Texas | 1 | $ 49,000 | $ 49,000 | $ 101,000 |
| Johnson County Texas | 1 | $ 30,000 | $ 30,000 | $ 24,000 |
| Tarrant County Texas | 1 | $ 14,000 | $ 14,000 | $ 31,000 |
| Victoria County Texas | 1 | $ 84,000 | $ 84,000 | $ 164,000 |
| Juab County Utah | 1 | $ 104,000 | $ 104,000 | $ 80,000 |
| Salt Lake County Utah | 1 | $ 50,000 | $ 50,000 | $ 219,000 |
| Chittenden County Vermont | 1 | $ 300,000 | $ 300,000 | $ 320,000 |
| Lamoille County Vermont | 1 | $ 194,000 | $ 194,000 | $ 128,000 |
| Albemarle County Virginia | 1 | $ 30,000 | $ 30,000 | $ 112,000 |
| Frederick County Virginia | 1 | $ 420,000 | $ 420,000 | $ 82,000 |
| Lynchburg County Virginia | 1 | $ 96,000 | $ 96,000 | $ 127,000 |
| Clark County Washington | 1 | $ 359,000 | $ 359,000 | $ 129,000 |
| King County Washington | 1 | $ 250,000 | $ 250,000 | $ 88,000 |
| Pierce County Washington | 1 | $ 200,000 | $ 200,000 | $ 89,000 |
| Snohomish County Washington | 1 | $ 282,000 | $ 282,000 | $ 175,000 |
| Dodge County Wisconsin | 1 | $ 132,000 | $ 132,000 | $ 70,000 |
| Marinette County Wisconsin | 1 | $ 86,000 | $ 86,000 | $ 68,000 |
| Monroe County Wisconsin | 1 | $ 84,000 | $ 84,000 | $ 50,000 |
| Outagamie County Wisconsin | 1 | $ 36,000 | $ 36,000 | $ 24,000 |
| Polk County Wisconsin | 1 | $ 108,000 | $ 108,000 | $ 84,000 |
| Rusk County Wisconsin | 1 | $ 124,000 | $ 124,000 | $ 53,000 |
| Vilas County Wisconsin | 1 | $ 160,000 | $ 160,000 | $ 32,000 |
| Teton County Wyoming | 1 | $ 783,000 | $ 783,000 | $ 1,992,000 |
Mortgage Loan Application Detail Totals for Baxter Credit Union in 2005
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 608 | $113,015,000 | $217,729 | $2,500,000 | $98,513 | $970,000 |
| Refinancing | 521 | $94,013,000 | $182,028 | $2,500,000 | $140,228 | $1,992,000 |
| Home Improvement | 244 | $11,934,000 | $38,900 | $400,000 | $66,633 | $219,000 |
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 | 792 | $137,948,000 | $194,307 | $2,500,000 | $139,794 | $1,992,000 |
| Not Provided | 269 | $39,289,000 | $121,133 | $1,000,000 | $78,233 | $907,000 |
| Hispanic | 197 | $28,304,000 | $168,882 | $488,000 | $64,352 | $970,000 |
| Black or African American | 75 | $7,388,000 | $120,235 | $301,000 | $67,588 | $167,000 |
| Asian | 29 | $4,623,000 | $123,875 | $410,000 | $76,500 | $245,000 |
| American Indian or Alaskan Native | 8 | $679,000 | $66,000 | $270,000 | $59,750 | $160,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $731,000 | $243,666 | $347,000 | $52,666 | $67,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,373 | $218,962,000 | $181,581 | $2,500,000 | $132,790 | $1,992,000 |
| 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 | 1,065 | $171,636,000 | $185,738 | $2,500,000 | $141,071 | $1,992,000 |
| Application Denied By Financial Institution | 169 | $25,323,000 | $141,592 | $1,750,000 | $50,185 | $396,000 |
| Application Withdrawn By Applicant | 138 | $21,823,000 | $129,695 | $1,000,000 | $68,086 | $500,000 |
| Preapproval Denied by Financial Institution | 1 | $180,000 | $180,000 | $180,000 | $65,000 | $65,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 63 | $10,447,000 | $163,875 | $993,000 | $62,937 | $298,000 |
| Debt-To-Income Ratio | 57 | $11,914,000 | $192,315 | $1,750,000 | $46,526 | $396,000 |
| Other | 31 | $1,467,000 | $45,636 | $180,000 | $36,545 | $87,000 |
| Mortgage Insurance Denied | 11 | $537,000 | $45,857 | $200,000 | $31,571 | $47,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $440,000 | $146,666 | $225,000 | $37,666 | $43,000 |
| Unverifiable Information | 2 | $141,000 | $70,500 | $81,000 | $21,500 | $22,000 |
| Employment History | 2 | $281,000 | $140,000 | $185,000 | $93,000 | $138,000 |
| Collateral | 1 | $276,000 | $276,000 | $276,000 | $111,000 | $111,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Baxter Credit Union's 2005 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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