Baxter Credit Union Mortgage Lending & HMDA Data, 2012

In 2012, Baxter Credit Union of 340 N Milwaukee Ave, IL reported 6,174 mortgage applications totaling $1.3 billion, up 20% from 2011. The average application was for $205,229, and applicants reported an average income of $118,394. 56% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (938), Lake County-Kenosha County, IL-WI (932) and Chicago-Joliet-Naperville, IL (805) (applications in parentheses).

Mortgage Company & Address Baxter Credit Union
340 N Milwaukee Ave
340 N Milwaukee Ave, IL 60061
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 6,174
Total Mortgage Loan Application Amount $1,267,090,000
Average Mortgage Loan Application Amount $205,229
Highest Mortgage Loan Application Amount $2,200,000
Average Applicant Income $118,394
Highest Applicant Income $2,105,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Baxter Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Baxter Credit Union by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lake, Illinois 866 $ 171,715,000 $ 198,285 $ 123,000
Hennepin, Minnesota 449 $ 98,225,000 $ 218,763 $ 127,000
Cook, Illinois 410 $ 97,639,000 $ 238,143 $ 138,000
McHenry, Illinois 268 $ 44,685,000 $ 166,735 $ 101,000
Orange, California 218 $ 67,915,000 $ 311,536 $ 136,000
Los Angeles, California 155 $ 49,425,000 $ 318,870 $ 142,000
Anoka, Minnesota 125 $ 21,436,000 $ 171,488 $ 98,000
Ramsey, Minnesota 117 $ 22,910,000 $ 195,811 $ 123,000
Miami-Dade, Florida 70 $ 14,823,000 $ 211,757 $ 122,000
Washington, Minnesota 66 $ 16,003,000 $ 242,469 $ 135,000
Kenosha, Wisconsin 66 $ 9,873,000 $ 149,590 $ 89,000
Ventura, California 61 $ 23,523,000 $ 385,622 $ 168,000
Baxter, Arkansas 60 $ 4,909,000 $ 81,816 $ 56,000
DuPage, Illinois 60 $ 13,293,000 $ 221,550 $ 133,000
Riverside, California 55 $ 12,046,000 $ 219,018 $ 145,000
Franklin, Ohio 55 $ 8,266,000 $ 150,290 $ 113,000
Dakota, Minnesota 53 $ 11,976,000 $ 225,962 $ 125,000
Bolivar, Mississippi 53 $ 4,402,000 $ 83,056 $ 58,000
San Diego, California 51 $ 22,274,000 $ 436,745 $ 217,000
Maricopa, Arizona 50 $ 11,735,000 $ 234,700 $ 148,000
Kane, Illinois 44 $ 8,801,000 $ 200,022 $ 111,000
Monroe, Indiana 43 $ 6,968,000 $ 162,046 $ 99,000
Middlesex, Massachusetts 42 $ 13,955,000 $ 332,261 $ 170,000
McDowell, North Carolina 42 $ 3,542,000 $ 84,333 $ 50,000
Wright, Minnesota 40 $ 7,139,000 $ 178,475 $ 107,000
Bexar, Texas 37 $ 3,665,000 $ 99,054 $ 70,000
San Bernardino, California 36 $ 7,164,000 $ 199,000 $ 123,000
Broward, Florida 35 $ 6,438,000 $ 183,942 $ 121,000
Aguada, Puerto Rico 34 $ 3,687,000 $ 108,441 $ 54,000
Pinellas, Florida 27 $ 4,582,000 $ 169,703 $ 110,000
Carver, Minnesota 26 $ 5,440,000 $ 209,230 $ 155,000
Delaware, Ohio 26 $ 6,177,000 $ 237,576 $ 143,000
Santa Clara, California 25 $ 9,192,000 $ 367,680 $ 133,000
Worcester, Massachusetts 24 $ 6,245,000 $ 260,208 $ 125,000
Clark, Nevada 23 $ 3,080,000 $ 133,913 $ 191,000
Scott, Minnesota 22 $ 4,374,000 $ 198,818 $ 140,000
Alameda, California 20 $ 7,548,000 $ 377,400 $ 179,000
Will, Illinois 20 $ 3,257,000 $ 162,850 $ 95,000
Anasco, Puerto Rico 19 $ 1,859,000 $ 97,842 $ 46,000
Mayaguez, Puerto Rico 17 $ 3,471,000 $ 204,176 $ 72,000
San Juan, Puerto Rico 17 $ 2,679,000 $ 157,588 $ 79,000
Palm Beach, Florida 16 $ 3,643,000 $ 227,687 $ 138,000
Aguadilla, Puerto Rico 16 $ 1,898,000 $ 118,625 $ 70,000
Fulton, Georgia 15 $ 5,077,000 $ 338,466 $ 200,000
Sherburne, Minnesota 15 $ 2,218,000 $ 147,866 $ 105,000
Yancey, North Carolina 14 $ 1,260,000 $ 90,000 $ 45,000
Cabo Rojo, Puerto Rico 14 $ 2,224,000 $ 158,857 $ 102,000
Ponce, Puerto Rico 14 $ 1,555,000 $ 111,071 $ 91,000
King, Washington 14 $ 5,826,000 $ 416,142 $ 186,000
Douglas, Colorado 13 $ 4,472,000 $ 344,000 $ 179,000
Lee, Florida 13 $ 7,377,000 $ 567,461 $ 271,000
St. Louis, Missouri 13 $ 2,196,000 $ 168,923 $ 87,000
Tarrant, Texas 13 $ 1,441,000 $ 110,846 $ 84,000
Walworth, Wisconsin 12 $ 2,538,000 $ 211,500 $ 147,000
Contra Costa, California 11 $ 4,362,000 $ 396,545 $ 173,000
Arapahoe, Colorado 11 $ 2,193,000 $ 199,363 $ 130,000
Chisago, Minnesota 11 $ 2,161,000 $ 196,454 $ 122,000
Wake, North Carolina 11 $ 2,631,000 $ 239,181 $ 196,000
Harris, Texas 11 $ 2,482,000 $ 225,636 $ 126,000
Orange, Florida 10 $ 3,742,000 $ 374,200 $ 176,000
Norfolk, Massachusetts 10 $ 4,590,000 $ 459,000 $ 227,000
Burke, North Carolina 10 $ 1,237,000 $ 123,700 $ 52,000
Mitchell, North Carolina 10 $ 794,000 $ 79,400 $ 58,000
Travis, Texas 10 $ 2,430,000 $ 243,000 $ 372,000
Milwaukee, Wisconsin 10 $ 1,461,000 $ 146,100 $ 117,000
Fulton, Arkansas 9 $ 697,000 $ 77,444 $ 52,000
Gwinnett, Georgia 9 $ 2,321,000 $ 257,888 $ 250,000
Hamilton, Indiana 9 $ 1,787,000 $ 198,555 $ 126,000
Oakland, Michigan 9 $ 2,185,000 $ 242,777 $ 126,000
Sunflower, Mississippi 9 $ 459,000 $ 51,000 $ 51,000
Avery, North Carolina 9 $ 848,000 $ 94,222 $ 50,000
Shelby, Tennessee 9 $ 1,366,000 $ 151,777 $ 160,000
Sacramento, California 8 $ 1,579,000 $ 197,375 $ 73,000
Denver, Colorado 8 $ 2,716,000 $ 339,500 $ 175,000
Hillsborough, Florida 8 $ 1,286,000 $ 160,750 $ 112,000
Marion, Indiana 8 $ 1,006,000 $ 125,750 $ 93,000
Madison, Mississippi 8 $ 2,062,000 $ 257,750 $ 135,000
Ozark, Missouri 8 $ 683,000 $ 85,375 $ 43,000
Mecklenburg, North Carolina 8 $ 1,704,000 $ 213,000 $ 103,000
Allegheny, Pennsylvania 8 $ 1,057,000 $ 132,125 $ 54,000
Aibonito, Puerto Rico 8 $ 911,000 $ 113,875 $ 53,000
Carolina, Puerto Rico 8 $ 1,215,000 $ 151,875 $ 91,000
Denton, Texas 8 $ 1,844,000 $ 230,500 $ 114,000
Racine, Wisconsin 8 $ 2,438,000 $ 304,750 $ 191,000
St. Croix, Wisconsin 8 $ 1,987,000 $ 248,375 $ 129,000
Waukesha, Wisconsin 8 $ 1,714,000 $ 214,250 $ 143,000
Pulaski, Arkansas 7 $ 847,000 $ 121,000 $ 82,000
Jefferson, Colorado 7 $ 2,141,000 $ 305,857 $ 168,000
Pasco, Florida 7 $ 787,000 $ 112,428 $ 83,000
Volusia, Florida 7 $ 708,000 $ 101,142 $ 57,000
Johnson, Indiana 7 $ 891,000 $ 127,285 $ 53,000
Owen, Indiana 7 $ 471,000 $ 67,285 $ 66,000
Barnstable, Massachusetts 7 $ 1,669,000 $ 238,428 $ 132,000
Suffolk, Massachusetts 7 $ 3,030,000 $ 432,857 $ 293,000
Bergen, New Jersey 7 $ 2,167,000 $ 309,571 $ 171,000
Buncombe, North Carolina 7 $ 1,432,000 $ 204,571 $ 109,000
Dallas, Texas 7 $ 1,508,000 $ 215,428 $ 118,000
Pima, Arizona 6 $ 1,172,000 $ 195,333 $ 110,000
Marion, Arkansas 6 $ 569,000 $ 94,833 $ 74,000
Kern, California 6 $ 1,448,000 $ 241,333 $ 59,000
Hartford, Connecticut 6 $ 1,532,000 $ 255,333 $ 138,000
New Castle, Delaware 6 $ 1,134,000 $ 189,000 $ 164,000
Collier, Florida 6 $ 1,467,000 $ 244,500 $ 458,000
Cobb, Georgia 6 $ 2,546,000 $ 424,333 $ 167,000
DeKalb, Georgia 6 $ 1,048,000 $ 174,666 $ 109,000
Johnson, Kansas 6 $ 1,468,000 $ 244,666 $ 164,000
Crow Wing, Minnesota 6 $ 1,457,000 $ 242,833 $ 168,000
Isanti, Minnesota 6 $ 874,000 $ 145,666 $ 121,000
Camden, New Jersey 6 $ 823,000 $ 137,166 $ 64,000
Middlesex, New Jersey 6 $ 1,614,000 $ 269,000 $ 139,000
Oklahoma, Oklahoma 6 $ 1,413,000 $ 235,500 $ 119,000
Coamo, Puerto Rico 6 $ 661,000 $ 110,166 $ 52,000
Juana Diaz, Puerto Rico 6 $ 739,000 $ 123,166 $ 59,000
San German, Puerto Rico 6 $ 452,000 $ 75,333 $ 27,000
Collin, Texas 6 $ 934,000 $ 155,666 $ 127,000
El Paso, Texas 6 $ 870,000 $ 145,000 $ 117,000
Montgomery, Texas 6 $ 674,000 $ 112,333 $ 120,000
Larimer, Colorado 5 $ 1,122,000 $ 224,400 $ 94,000
Monroe, Florida 5 $ 1,469,000 $ 293,800 $ 236,000
Seminole, Florida 5 $ 988,000 $ 197,600 $ 102,000
Cumberland, Maine 5 $ 1,312,000 $ 262,400 $ 178,000
Wayne, Michigan 5 $ 433,000 $ 86,600 $ 67,000
Howell, Missouri 5 $ 322,000 $ 64,400 $ 44,000
Durham, North Carolina 5 $ 819,000 $ 163,800 $ 102,000
Union, Ohio 5 $ 1,369,000 $ 273,800 $ 153,000
Philadelphia, Pennsylvania 5 $ 911,000 $ 182,200 $ 135,000
Caguas, Puerto Rico 5 $ 908,000 $ 181,600 $ 114,000
Guayama, Puerto Rico 5 $ 468,000 $ 93,600 $ 44,000
York, South Carolina 5 $ 1,035,000 $ 207,000 $ 128,000
Davidson, Tennessee 5 $ 747,000 $ 149,400 $ 117,000
Williamson, Tennessee 5 $ 1,477,000 $ 295,400 $ 141,000
Madison, Alabama 4 $ 1,184,000 $ 296,000 $ 157,000
Saline, Arkansas 4 $ 266,000 $ 66,500 $ 79,000
San Mateo, California 4 $ 2,422,000 $ 605,500 $ 158,000
Adams, Colorado 4 $ 667,000 $ 166,750 $ 67,000
El Paso, Colorado 4 $ 678,000 $ 169,500 $ 137,000
Weld, Colorado 4 $ 1,015,000 $ 253,750 $ 102,000
Fairfield, Connecticut 4 $ 1,688,000 $ 422,000 $ 168,000
District of Columbia, District Of Columbia 4 $ 1,470,000 $ 367,500 $ 211,000
Sarasota, Florida 4 $ 760,000 $ 190,000 $ 140,000
Boone, Illinois 4 $ 428,000 $ 107,000 $ 57,000
McLean, Illinois 4 $ 733,000 $ 183,250 $ 123,000
Winnebago, Illinois 4 $ 444,000 $ 111,000 $ 69,000
Lake, Indiana 4 $ 462,000 $ 115,500 $ 66,000
Lawrence, Indiana 4 $ 233,000 $ 58,250 $ 39,000
Bristol, Massachusetts 4 $ 929,000 $ 232,250 $ 166,000
Plymouth, Massachusetts 4 $ 905,000 $ 226,250 $ 137,000
Kent, Michigan 4 $ 770,000 $ 192,500 $ 118,000
St. Charles, Missouri 4 $ 715,000 $ 178,750 $ 82,000
Atlantic, New Jersey 4 $ 514,000 $ 128,500 $ 119,000
Somerset, New Jersey 4 $ 1,498,000 $ 374,500 $ 120,000
Monroe, New York 4 $ 449,000 $ 112,250 $ 104,000
Niagara, New York 4 $ 379,000 $ 94,750 $ 84,000
Suffolk, New York 4 $ 562,000 $ 140,500 $ 130,000
New Hanover, North Carolina 4 $ 512,000 $ 128,000 $ 151,000
Tulsa, Oklahoma 4 $ 582,000 $ 145,500 $ 88,000
Chester, Pennsylvania 4 $ 1,424,000 $ 356,000 $ 171,000
Luzerne, Pennsylvania 4 $ 222,000 $ 55,500 $ 79,000
Guaynabo, Puerto Rico 4 $ 907,000 $ 226,750 $ 194,000
Moca, Puerto Rico 4 $ 448,000 $ 112,000 $ 53,000
Yauco, Puerto Rico 4 $ 377,000 $ 94,250 $ 38,000
Spartanburg, South Carolina 4 $ 537,000 $ 134,250 $ 59,000
Benton, Washington 4 $ 460,000 $ 115,000 $ 212,000
Door, Wisconsin 4 $ 1,124,000 $ 281,000 $ 156,000
Washington, Wisconsin 4 $ 744,000 $ 186,000 $ 106,000
Garland, Arkansas 3 $ 360,000 $ 120,000 $ 205,000
Izard, Arkansas 3 $ 199,000 $ 66,333 $ 71,000
Merced, California 3 $ 806,000 $ 268,666 $ 124,000
San Joaquin, California 3 $ 628,000 $ 209,333 $ 91,000
Santa Barbara, California 3 $ 925,000 $ 308,333 $ 134,000
Boulder, Colorado 3 $ 774,000 $ 258,000 $ 125,000
New Haven, Connecticut 3 $ 575,000 $ 191,666 $ 187,000
Brevard, Florida 3 $ 573,000 $ 191,000 $ 119,000
Marion, Florida 3 $ 488,000 $ 162,666 $ 86,000
Polk, Florida 3 $ 362,000 $ 120,666 $ 135,000
St. Johns, Florida 3 $ 1,192,000 $ 397,333 $ 195,000
Forsyth, Georgia 3 $ 564,000 $ 188,000 $ 428,000
Clay, Indiana 3 $ 686,000 $ 228,666 $ 59,000
Porter, Indiana 3 $ 763,000 $ 254,333 $ 111,000
Hancock, Maine 3 $ 903,000 $ 301,000 $ 313,000
Montgomery, Maryland 3 $ 902,000 $ 300,666 $ 119,000
Essex, Massachusetts 3 $ 1,051,000 $ 350,333 $ 164,000
Iron, Michigan 3 $ 86,000 $ 28,666 $ 90,000
Leelanau, Michigan 3 $ 929,000 $ 309,666 $ 270,000
Meeker, Minnesota 3 $ 342,000 $ 114,000 $ 163,000
Washington, Mississippi 3 $ 316,000 $ 105,333 $ 54,000
Cass, Missouri 3 $ 180,000 $ 60,000 $ 105,000
Christian, Missouri 3 $ 410,000 $ 136,666 $ 46,000
Greene, Missouri 3 $ 507,000 $ 169,000 $ 78,000
Hillsborough, New Hampshire 3 $ 707,000 $ 235,666 $ 149,000
Gloucester, New Jersey 3 $ 550,000 $ 183,333 $ 181,000
Monmouth, New Jersey 3 $ 924,000 $ 308,000 $ 418,000
Bernalillo, New Mexico 3 $ 382,000 $ 127,333 $ 77,000
Sandoval, New Mexico 3 $ 443,000 $ 147,666 $ 54,000
Erie, New York 3 $ 323,000 $ 107,666 $ 84,000
Orleans, New York 3 $ 220,000 $ 73,333 $ 44,000
Columbus, North Carolina 3 $ 230,000 $ 76,666 $ 47,000
Guilford, North Carolina 3 $ 677,000 $ 225,666 $ 151,000
Rutherford, North Carolina 3 $ 469,000 $ 156,333 $ 91,000
Cuyahoga, Ohio 3 $ 277,000 $ 92,333 $ 60,000
Fairfield, Ohio 3 $ 360,000 $ 120,000 $ 119,000
Washington, Oregon 3 $ 630,000 $ 210,000 $ 110,000
Bucks, Pennsylvania 3 $ 1,048,000 $ 349,333 $ 184,000
Delaware, Pennsylvania 3 $ 1,500,000 $ 500,000 $ 201,000
Canovanas, Puerto Rico 3 $ 355,000 $ 118,333 $ 59,000
Cayey, Puerto Rico 3 $ 559,000 $ 186,333 $ 98,000
Cidra, Puerto Rico 3 $ 405,000 $ 135,000 $ 112,000
Isabela, Puerto Rico 3 $ 318,000 $ 106,000 $ 66,000
Rincon, Puerto Rico 3 $ 418,000 $ 139,333 $ 61,000
Beaufort, South Carolina 3 $ 1,413,000 $ 471,000 $ 168,000
Fort Bend, Texas 3 $ 591,000 $ 197,000 $ 177,000
Smith, Texas 3 $ 281,000 $ 93,666 $ 93,000
Pierce, Washington 3 $ 1,017,000 $ 339,000 $ 204,000
Bayfield, Wisconsin 3 $ 575,000 $ 191,666 $ 160,000
Burnett, Wisconsin 3 $ 306,000 $ 102,000 $ 123,000
Outagamie, Wisconsin 3 $ 185,000 $ 61,666 $ 94,000
Jefferson, Alabama 2 $ 643,000 $ 321,500 $ 200,000
Coconino, Arizona 2 $ 299,000 $ 149,500 $ 91,000
Craighead, Arkansas 2 $ 303,000 $ 151,500 $ 130,000
Placer, California 2 $ 703,000 $ 351,500 $ 110,000
San Luis Obispo, California 2 $ 237,000 $ 118,500 $ 56,000
Duval, Florida 2 $ 528,000 $ 264,000 $ 107,000
Manatee, Florida 2 $ 652,000 $ 326,000 $ 266,000
Osceola, Florida 2 $ 268,000 $ 134,000 $ 77,000
Barrow, Georgia 2 $ 205,000 $ 102,500 $ 62,000
Chatham, Georgia 2 $ 391,000 $ 195,500 $ 120,000
Cherokee, Georgia 2 $ 382,000 $ 191,000 $ 121,000
Hall, Georgia 2 $ 395,000 $ 197,500 $ 118,000
Ada, Idaho 2 $ 445,000 $ 222,500 $ 127,000
Jo Daviess, Illinois 2 $ 283,000 $ 141,500 $ 200,000
Kendall, Illinois 2 $ 141,000 $ 70,500 $ 36,000
Boone, Indiana 2 $ 1,588,000 $ 794,000 $ 139,000
Brown, Indiana 2 $ 244,000 $ 122,000 $ 82,000
Greene, Indiana 2 $ 210,000 $ 105,000 $ 70,000
St. Joseph, Indiana 2 $ 256,000 $ 128,000 $ 153,000
Johnson, Iowa 2 $ 317,000 $ 158,500 $ 587,000
Scott, Iowa 2 $ 393,000 $ 196,500 $ 264,000
Oldham, Kentucky 2 $ 616,000 $ 308,000 $ 167,000
East Baton Rouge, Louisiana 2 $ 397,000 $ 198,500 $ 76,000
St. Tammany, Louisiana 2 $ 979,000 $ 489,500 $ 238,000
Baltimore, Maryland 2 $ 91,000 $ 45,500 $ 45,000
Howard, Maryland 2 $ 569,000 $ 284,500 $ 99,000
Washington, Maryland 2 $ 279,000 $ 139,500 $ 87,000
Genesee, Michigan 2 $ 424,000 $ 212,000 $ 155,000
Kalamazoo, Michigan 2 $ 504,000 $ 252,000 $ 89,000
Van Buren, Michigan 2 $ 165,000 $ 82,500 $ 138,000
Aitkin, Minnesota 2 $ 107,000 $ 53,500 $ 133,000
Cass, Minnesota 2 $ 308,000 $ 154,000 $ 166,000
Clay, Minnesota 2 $ 269,000 $ 134,500 $ 107,000
Hubbard, Minnesota 2 $ 39,000 $ 19,500 $ 31,000
Morrison, Minnesota 2 $ 402,000 $ 201,000 $ 81,000
DeSoto, Mississippi 2 $ 231,000 $ 115,500 $ 91,000
Hancock, Mississippi 2 $ 270,000 $ 135,000 $ 75,000
Rankin, Mississippi 2 $ 217,000 $ 108,500 $ 58,000
Tate, Mississippi 2 $ 214,000 $ 107,000 $ 72,000
Camden, Missouri 2 $ 93,000 $ 46,500 $ 76,000
Clay, Missouri 2 $ 189,000 $ 94,500 $ 85,000
Jefferson, Missouri 2 $ 477,000 $ 238,500 $ 92,000
Stone, Missouri 2 $ 315,000 $ 157,500 $ 174,000
Taney, Missouri 2 $ 65,000 $ 32,500 $ 34,000
Sarpy, Nebraska 2 $ 355,000 $ 177,500 $ 47,000
Washoe, Nevada 2 $ 336,000 $ 168,000 $ 65,000
Rockingham, New Hampshire 2 $ 365,000 $ 182,500 $ 154,000
Burlington, New Jersey 2 $ 254,000 $ 127,000 $ 88,000
Essex, New Jersey 2 $ 735,000 $ 367,500 $ 204,000
Ocean, New Jersey 2 $ 509,000 $ 254,500 $ 99,000
Union, New Jersey 2 $ 610,000 $ 305,000 $ 215,000
Kings, New York 2 $ 840,000 $ 420,000 $ 396,000
Nassau, New York 2 $ 431,000 $ 215,500 $ 159,000
Warren, New York 2 $ 49,000 $ 24,500 $ 59,000
Gaston, North Carolina 2 $ 237,000 $ 118,500 $ 76,000
Iredell, North Carolina 2 $ 431,000 $ 215,500 $ 188,000
Union, North Carolina 2 $ 694,000 $ 347,000 $ 148,000
Hamilton, Ohio 2 $ 275,000 $ 137,500 $ 101,000
Lake, Ohio 2 $ 393,000 $ 196,500 $ 101,000
Lorain, Ohio 2 $ 502,000 $ 251,000 $ 65,000
Stark, Ohio 2 $ 418,000 $ 209,000 $ 136,000
Tuscarawas, Ohio 2 $ 325,000 $ 162,500 $ 120,000
Warren, Ohio 2 $ 206,000 $ 103,000 $ 86,000
Osage, Oklahoma 2 $ 360,000 $ 180,000 $ 88,000
Clackamas, Oregon 2 $ 320,000 $ 160,000 $ 189,000
Lane, Oregon 2 $ 1,108,000 $ 554,000 $ 155,000
Berks, Pennsylvania 2 $ 482,000 $ 241,000 $ 103,000
Butler, Pennsylvania 2 $ 540,000 $ 270,000 $ 126,000
Westmoreland, Pennsylvania 2 $ 293,000 $ 146,500 $ 72,000
Fajardo, Puerto Rico 2 $ 284,000 $ 142,000 $ 78,000
Guayanilla, Puerto Rico 2 $ 236,000 $ 118,000 $ 117,000
Gurabo, Puerto Rico 2 $ 514,000 $ 257,000 $ 94,000
Hatillo, Puerto Rico 2 $ 263,000 $ 131,500 $ 90,000
Hormigueros, Puerto Rico 2 $ 101,000 $ 50,500 $ 20,000
Jayuya, Puerto Rico 2 $ 311,000 $ 155,500 $ 74,000
Luquillo, Puerto Rico 2 $ 272,000 $ 136,000 $ 86,000
Maricao, Puerto Rico 2 $ 178,000 $ 89,000 $ 36,000
Rio Grande, Puerto Rico 2 $ 336,000 $ 168,000 $ 116,000
Santa Isabel, Puerto Rico 2 $ 224,000 $ 112,000 $ 28,000
Trujillo Alto, Puerto Rico 2 $ 638,000 $ 319,000 $ 147,000
Vega Alta, Puerto Rico 2 $ 469,000 $ 234,500 $ 152,000
Bristol, Rhode Island 2 $ 240,000 $ 120,000 $ 213,000
Providence, Rhode Island 2 $ 290,000 $ 145,000 $ 185,000
Lexington, South Carolina 2 $ 766,000 $ 383,000 $ 121,000
Richland, South Carolina 2 $ 508,000 $ 254,000 $ 325,000
Blount, Tennessee 2 $ 300,000 $ 150,000 $ 117,000
Hamilton, Tennessee 2 $ 303,000 $ 151,500 $ 105,000
Knox, Tennessee 2 $ 656,000 $ 328,000 $ 260,000
Montgomery, Tennessee 2 $ 216,000 $ 108,000 $ 109,000
Brazoria, Texas 2 $ 329,000 $ 164,500 $ 100,000
Cherokee, Texas 2 $ 219,000 $ 109,500 $ 93,000
Lubbock, Texas 2 $ 156,000 $ 78,000 $ 60,000
Midland, Texas 2 $ 113,000 $ 56,500 $ 119,000
Van Zandt, Texas 2 $ 55,000 $ 27,500 $ 61,000
Summit, Utah 2 $ 1,231,000 $ 615,500 $ 350,000
Fairfax, Virginia 2 $ 435,000 $ 217,500 $ 105,000
Loudoun, Virginia 2 $ 759,000 $ 379,500 $ 127,000
Prince William, Virginia 2 $ 568,000 $ 284,000 $ 184,000
Jefferson, Washington 2 $ 488,000 $ 244,000 $ 104,000
Barron, Wisconsin 2 $ 164,000 $ 82,000 $ 64,000
Columbia, Wisconsin 2 $ 243,000 $ 121,500 $ 122,000
Eau Claire, Wisconsin 2 $ 140,000 $ 70,000 $ 105,000
Fond du Lac, Wisconsin 2 $ 271,000 $ 135,500 $ 71,000
Ozaukee, Wisconsin 2 $ 821,000 $ 410,500 $ 184,000
Sauk, Wisconsin 2 $ 386,000 $ 193,000 $ 129,000
Washburn, Wisconsin 2 $ 119,000 $ 59,500 $ 91,000
Winnebago, Wisconsin 2 $ 246,000 $ 123,000 $ 64,000
Baldwin, Alabama 1 $ 329,000 $ 329,000 $ 114,000
Conecuh, Alabama 1 $ 30,000 $ 30,000 $ 40,000
Escambia, Alabama 1 $ 25,000 $ 25,000 $ 40,000
Limestone, Alabama 1 $ 285,000 $ 285,000 $ 70,000
Mobile, Alabama 1 $ 164,000 $ 164,000 $ 1,258,000
Shelby, Alabama 1 $ 676,000 $ 676,000 $ 287,000
Winston, Alabama 1 $ 250,000 $ 250,000 $ 0
Anchorage, Alaska 1 $ 195,000 $ 195,000 $ 288,000
Pinal, Arizona 1 $ 129,000 $ 129,000 $ 38,000
Benton, Arkansas 1 $ 15,000 $ 15,000 $ 33,000
Boone, Arkansas 1 $ 278,000 $ 278,000 $ 0
Cleburne, Arkansas 1 $ 58,000 $ 58,000 $ 25,000
Greene, Arkansas 1 $ 80,000 $ 80,000 $ 53,000
Alpine, California 1 $ 217,000 $ 217,000 $ 297,000
Amador, California 1 $ 188,000 $ 188,000 $ 231,000
Kings, California 1 $ 96,000 $ 96,000 $ 95,000
Lake, California 1 $ 105,000 $ 105,000 $ 108,000
Marin, California 1 $ 626,000 $ 626,000 $ 200,000
Shasta, California 1 $ 72,000 $ 72,000 $ 81,000
Solano, California 1 $ 321,000 $ 321,000 $ 256,000
Stanislaus, California 1 $ 63,000 $ 63,000 $ 67,000
Tuolumne, California 1 $ 162,000 $ 162,000 $ 44,000
Yolo, California 1 $ 263,000 $ 263,000 $ 130,000
Broomfield, Colorado 1 $ 356,000 $ 356,000 $ 128,000
Eagle, Colorado 1 $ 240,000 $ 240,000 $ 136,000
Elbert, Colorado 1 $ 417,000 $ 417,000 $ 128,000
Garfield, Colorado 1 $ 130,000 $ 130,000 $ 191,000
Montrose, Colorado 1 $ 286,000 $ 286,000 $ 118,000
Routt, Colorado 1 $ 1,650,000 $ 1,650,000 $ 545,000
Summit, Colorado 1 $ 382,000 $ 382,000 $ 120,000
New London, Connecticut 1 $ 128,000 $ 128,000 $ 66,000
Kent, Delaware 1 $ 313,000 $ 313,000 $ 67,000
Sussex, Delaware 1 $ 220,000 $ 220,000 $ 206,000
Charlotte, Florida 1 $ 86,000 $ 86,000 $ 137,000
Citrus, Florida 1 $ 80,000 $ 80,000 $ 118,000
Columbia, Florida 1 $ 130,000 $ 130,000 $ 51,000
Hernando, Florida 1 $ 275,000 $ 275,000 $ 89,000
Martin, Florida 1 $ 50,000 $ 50,000 $ 500,000
Nassau, Florida 1 $ 152,000 $ 152,000 $ 70,000
Okaloosa, Florida 1 $ 264,000 $ 264,000 $ 59,000
Baldwin, Georgia 1 $ 21,000 $ 21,000 $ 27,000
Bartow, Georgia 1 $ 93,000 $ 93,000 $ 74,000
Colquitt, Georgia 1 $ 50,000 $ 50,000 $ 38,000
Columbia, Georgia 1 $ 158,000 $ 158,000 $ 111,000
Fayette, Georgia 1 $ 266,000 $ 266,000 $ 94,000
Haralson, Georgia 1 $ 48,000 $ 48,000 $ 48,000
Laurens, Georgia 1 $ 50,000 $ 50,000 $ 41,000
Lowndes, Georgia 1 $ 240,000 $ 240,000 $ 147,000
Muscogee, Georgia 1 $ 92,000 $ 92,000 $ 55,000
Paulding, Georgia 1 $ 90,000 $ 90,000 $ 43,000
Pickens, Georgia 1 $ 329,000 $ 329,000 $ 69,000
Rockdale, Georgia 1 $ 165,000 $ 165,000 $ 68,000
Walton, Georgia 1 $ 232,000 $ 232,000 $ 148,000
Hawaii, Hawaii 1 $ 196,000 $ 196,000 $ 246,000
Honolulu, Hawaii 1 $ 64,000 $ 64,000 $ 396,000
Bonneville, Idaho 1 $ 302,000 $ 302,000 $ 97,000
Kootenai, Idaho 1 $ 158,000 $ 158,000 $ 184,000
Twin Falls, Idaho 1 $ 99,000 $ 99,000 $ 92,000
Bureau, Illinois 1 $ 102,000 $ 102,000 $ 74,000
Carroll, Illinois 1 $ 109,000 $ 109,000 $ 111,000
Champaign, Illinois 1 $ 300,000 $ 300,000 $ 221,000
Christian, Illinois 1 $ 111,000 $ 111,000 $ 94,000
Coles, Illinois 1 $ 39,000 $ 39,000 $ 33,000
DeKalb, Illinois 1 $ 145,000 $ 145,000 $ 116,000
Fayette, Illinois 1 $ 58,000 $ 58,000 $ 52,000
Kankakee, Illinois 1 $ 265,000 $ 265,000 $ 79,000
Montgomery, Illinois 1 $ 48,000 $ 48,000 $ 49,000
Peoria, Illinois 1 $ 159,000 $ 159,000 $ 45,000
Sangamon, Illinois 1 $ 109,000 $ 109,000 $ 57,000
Adams, Indiana 1 $ 169,000 $ 169,000 $ 65,000
Allen, Indiana 1 $ 12,000 $ 12,000 $ 48,000
Bartholomew, Indiana 1 $ 175,000 $ 175,000 $ 600,000
Clark, Indiana 1 $ 75,000 $ 75,000 $ 85,000
Clinton, Indiana 1 $ 133,000 $ 133,000 $ 208,000
Hendricks, Indiana 1 $ 189,000 $ 189,000 $ 92,000
LaGrange, Indiana 1 $ 108,000 $ 108,000 $ 78,000
Madison, Indiana 1 $ 90,000 $ 90,000 $ 138,000
Marshall, Indiana 1 $ 70,000 $ 70,000 $ 92,000
Wabash, Indiana 1 $ 218,000 $ 218,000 $ 100,000
Warrick, Indiana 1 $ 263,000 $ 263,000 $ 103,000
Washington, Indiana 1 $ 193,000 $ 193,000 $ 56,000
Boone, Iowa 1 $ 180,000 $ 180,000 $ 94,000
Polk, Iowa 1 $ 87,000 $ 87,000 $ 30,000
Butler, Kansas 1 $ 114,000 $ 114,000 $ 23,000
Boone, Kentucky 1 $ 73,000 $ 73,000 $ 114,000
Fayette, Kentucky 1 $ 174,000 $ 174,000 $ 115,000
Jefferson, Kentucky 1 $ 110,000 $ 110,000 $ 138,000
Marshall, Kentucky 1 $ 142,000 $ 142,000 $ 137,000
Meade, Kentucky 1 $ 162,000 $ 162,000 $ 99,000
Spencer, Kentucky 1 $ 149,000 $ 149,000 $ 77,000
Calcasieu, Louisiana 1 $ 41,000 $ 41,000 $ 32,000
Orleans, Louisiana 1 $ 185,000 $ 185,000 $ 103,000
Waldo, Maine 1 $ 255,000 $ 255,000 $ 200,000
York, Maine 1 $ 230,000 $ 230,000 $ 450,000
Anne Arundel, Maryland 1 $ 92,000 $ 92,000 $ 35,000
Baltimore City, Maryland 1 $ 100,000 $ 100,000 $ 113,000
Carroll, Maryland 1 $ 486,000 $ 486,000 $ 230,000
Cecil, Maryland 1 $ 161,000 $ 161,000 $ 54,000
Frederick, Maryland 1 $ 304,000 $ 304,000 $ 147,000
Prince George's, Maryland 1 $ 8,000 $ 8,000 $ 49,000
Worcester, Maryland 1 $ 115,000 $ 115,000 $ 181,000
Hampden, Massachusetts 1 $ 173,000 $ 173,000 $ 77,000
Allegan, Michigan 1 $ 135,000 $ 135,000 $ 149,000
Arenac, Michigan 1 $ 41,000 $ 41,000 $ 56,000
Barry, Michigan 1 $ 100,000 $ 100,000 $ 120,000
Gladwin, Michigan 1 $ 65,000 $ 65,000 $ 32,000
Livingston, Michigan 1 $ 70,000 $ 70,000 $ 110,000
Mackinac, Michigan 1 $ 175,000 $ 175,000 $ 252,000
Presque Isle, Michigan 1 $ 314,000 $ 314,000 $ 270,000
Washtenaw, Michigan 1 $ 169,000 $ 169,000 $ 424,000
Benton, Minnesota 1 $ 142,000 $ 142,000 $ 112,000
Douglas, Minnesota 1 $ 128,000 $ 128,000 $ 221,000
Goodhue, Minnesota 1 $ 182,000 $ 182,000 $ 281,000
Kanabec, Minnesota 1 $ 63,000 $ 63,000 $ 103,000
Kandiyohi, Minnesota 1 $ 170,000 $ 170,000 $ 122,000
Mille Lacs, Minnesota 1 $ 92,000 $ 92,000 $ 80,000
Otter Tail, Minnesota 1 $ 78,000 $ 78,000 $ 169,000
St. Louis, Minnesota 1 $ 114,000 $ 114,000 $ 81,000
Steele, Minnesota 1 $ 288,000 $ 288,000 $ 91,000
Todd, Minnesota 1 $ 62,000 $ 62,000 $ 100,000
Adams, Mississippi 1 $ 55,000 $ 55,000 $ 67,000
Alcorn, Mississippi 1 $ 34,000 $ 34,000 $ 72,000
Clay, Mississippi 1 $ 152,000 $ 152,000 $ 240,000
Covington, Mississippi 1 $ 51,000 $ 51,000 $ 64,000
Grenada, Mississippi 1 $ 148,000 $ 148,000 $ 89,000
Lamar, Mississippi 1 $ 125,000 $ 125,000 $ 61,000
Oktibbeha, Mississippi 1 $ 140,000 $ 140,000 $ 104,000
Boone, Missouri 1 $ 137,000 $ 137,000 $ 40,000
Douglas, Missouri 1 $ 117,000 $ 117,000 $ 65,000
Jackson, Missouri 1 $ 162,000 $ 162,000 $ 58,000
Jasper, Missouri 1 $ 115,000 $ 115,000 $ 82,000
Lawrence, Missouri 1 $ 72,000 $ 72,000 $ 52,000
Newton, Missouri 1 $ 88,000 $ 88,000 $ 33,000
Oregon, Missouri 1 $ 81,000 $ 81,000 $ 58,000
Pulaski, Missouri 1 $ 44,000 $ 44,000 $ 119,000
Gallatin, Montana 1 $ 196,000 $ 196,000 $ 73,000
Missoula, Montana 1 $ 197,000 $ 197,000 $ 54,000
Dakota, Nebraska 1 $ 127,000 $ 127,000 $ 86,000
Douglas, Nebraska 1 $ 103,000 $ 103,000 $ 152,000
Merrimack, New Hampshire 1 $ 100,000 $ 100,000 $ 88,000
Cape May, New Jersey 1 $ 172,000 $ 172,000 $ 197,000
Cumberland, New Jersey 1 $ 406,000 $ 406,000 $ 113,000
Hudson, New Jersey 1 $ 275,000 $ 275,000 $ 199,000
Passaic, New Jersey 1 $ 270,000 $ 270,000 $ 75,000
Salem, New Jersey 1 $ 102,000 $ 102,000 $ 38,000
Sussex, New Jersey 1 $ 151,000 $ 151,000 $ 208,000
Warren, New Jersey 1 $ 134,000 $ 134,000 $ 151,000
Dona Ana, New Mexico 1 $ 55,000 $ 55,000 $ 26,000
Sierra, New Mexico 1 $ 62,000 $ 62,000 $ 122,000
Orange, New York 1 $ 150,000 $ 150,000 $ 110,000
Rockland, New York 1 $ 132,000 $ 132,000 $ 171,000
Steuben, New York 1 $ 56,000 $ 56,000 $ 155,000
Washington, New York 1 $ 144,000 $ 144,000 $ 38,000
Wayne, New York 1 $ 33,000 $ 33,000 $ 82,000
Cabarrus, North Carolina 1 $ 143,000 $ 143,000 $ 78,000
Catawba, North Carolina 1 $ 83,000 $ 83,000 $ 5,000
Dare, North Carolina 1 $ 184,000 $ 184,000 $ 154,000
Davidson, North Carolina 1 $ 115,000 $ 115,000 $ 98,000
Forsyth, North Carolina 1 $ 255,000 $ 255,000 $ 195,000
Granville, North Carolina 1 $ 202,000 $ 202,000 $ 83,000
Lincoln, North Carolina 1 $ 54,000 $ 54,000 $ 35,000
Orange, North Carolina 1 $ 200,000 $ 200,000 $ 143,000
Pitt, North Carolina 1 $ 100,000 $ 100,000 $ 69,000
Rockingham, North Carolina 1 $ 25,000 $ 25,000 $ 51,000
Watauga, North Carolina 1 $ 209,000 $ 209,000 $ 55,000
Morton, North Dakota 1 $ 133,000 $ 133,000 $ 104,000
Stark, North Dakota 1 $ 141,000 $ 141,000 $ 108,000
Butler, Ohio 1 $ 390,000 $ 390,000 $ 296,000
Columbiana, Ohio 1 $ 46,000 $ 46,000 $ 73,000
Lucas, Ohio 1 $ 50,000 $ 50,000 $ 16,000
Madison, Ohio 1 $ 234,000 $ 234,000 $ 128,000
Montgomery, Ohio 1 $ 98,000 $ 98,000 $ 84,000
Portage, Ohio 1 $ 209,000 $ 209,000 $ 14,000
Preble, Ohio 1 $ 53,000 $ 53,000 $ 63,000
Lincoln, Oklahoma 1 $ 178,000 $ 178,000 $ 72,000
Logan, Oklahoma 1 $ 11,000 $ 11,000 $ 24,000
Washington, Oklahoma 1 $ 165,000 $ 165,000 $ 62,000
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Mortgage Loan Application Detail Totals for Baxter Credit Union in 2012

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 3,924 $825,424,000 $210,000 $2,094,000 $123,000 $2,105,000
Home Purchase 1,878 $417,227,000 $222,000 $2,200,000 $114,000 $1,067,000
Home Improvement 372 $24,439,000 $65,000 $1,300,000 $92,000 $1,200,000

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 3,930 $826,890,000 $210,000 $2,200,000 $123,000 $2,105,000
Not Provided 949 $200,042,000 $210,000 $1,350,000 $121,000 $1,258,000
Hispanic 665 $105,424,000 $158,000 $999,000 $84,000 $599,000
Asian 350 $87,773,000 $250,000 $1,000,000 $146,000 $1,325,000
Black or African American 250 $39,608,000 $158,000 $1,200,000 $86,000 $458,000
Native Hawaiian or Other Pacific Islander 16 $4,339,000 $271,000 $565,000 $115,000 $211,000
American Indian or Alaskan Native 14 $3,014,000 $215,000 $475,000 $83,000 $216,000
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) 6,174 $1,267,090,000 $205,000 $2,200,000 $118,000 $2,105,000
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 3,461 $779,049,000 $225,000 $2,200,000 $132,000 $2,105,000
Application Approved But Not Accepted 936 $203,850,000 $217,000 $2,090,000 $129,000 $1,325,000
Application Denied By Financial Institution 846 $116,675,000 $137,000 $1,138,000 $86,000 $780,000
Preapproval Denied by Financial Institution 405 $55,568,000 $137,000 $695,000 $63,000 $367,000
File Closed For Incompleteness 278 $58,234,000 $209,000 $2,200,000 $103,000 $1,258,000
Preapproval Approved but not Accepted 205 $48,966,000 $238,000 $1,350,000 $121,000 $654,000
Application Withdrawn By Applicant 43 $4,748,000 $110,000 $353,000 $63,000 $231,000
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 330 $48,161,000 $145,000 $550,000 $74,000 $600,000
Other 304 $45,025,000 $148,000 $972,000 $84,000 $606,000
Debt-To-Income Ratio 200 $31,742,000 $158,000 $695,000 $58,000 $396,000
Collateral 161 $30,362,000 $188,000 $1,138,000 $106,000 $780,000
Insufficient Cash (Downpayment, Closing Cost) 21 $2,155,000 $102,000 $187,000 $47,000 $128,000
Employment History 10 $1,655,000 $165,000 $384,000 $105,000 $284,000
Mortgage Insurance Denied 3 $640,000 $213,000 $321,000 $158,000 $252,000
Unverifiable Information 1 $400,000 $400,000 $400,000 $102,000 $102,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Baxter Credit Union's 2012 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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