Baxter Credit Union Mortgage Lending & HMDA Data, 2009
In 2009, Baxter Credit Union of 340 N Milwaukee Ave, IL reported 4,140 mortgage applications totaling $812.0 million, up 121% from 2008. The average application was for $196,130, and applicants reported an average income of $112,428. 58% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (970), Chicago-Naperville-Joliet, IL (726) and Santa Ana-Anaheim-Irvine, CA (180) (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 |
| Years | 2025 2024 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 | 4,140 |
| Total Mortgage Loan Application Amount | $811,981,000 |
| Average Mortgage Loan Application Amount | $196,130 |
| Highest Mortgage Loan Application Amount | $1,944,000 |
| Average Applicant Income | $112,428 |
| Highest Applicant Income | $1,359,000 |
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Act (HMDA) records Baxter Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lake County-Kenosha County, IL-WI | 970 | $ 184,815,000 | $ 190,530 | $ 115,192 |
| Chicago-Naperville-Joliet, IL | 726 | $ 146,415,000 | $ 201,673 | $ 119,000 |
| Santa Ana-Anaheim-Irvine, CA | 180 | $ 49,402,000 | $ 274,455 | $ 125,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 148 | $ 27,940,000 | $ 188,783 | $ 112,675 |
| Los Angeles-Long Beach-Glendale, CA | 109 | $ 35,917,000 | $ 329,513 | $ 133,000 |
| Columbus, OH | 71 | $ 13,752,000 | $ 193,690 | $ 129,000 |
| Miami-Miami Beach-Kendall, FL | 62 | $ 8,545,000 | $ 137,822 | $ 87,000 |
| Bloomington, IN | 60 | $ 8,244,000 | $ 137,400 | $ 82,000 |
| Riverside-San Bernardino-Ontario, CA | 56 | $ 10,561,000 | $ 188,589 | $ 114,000 |
| San Juan-Caguas-Guaynabo, PR | 54 | $ 6,606,000 | $ 122,333 | $ 48,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 51 | $ 17,391,000 | $ 341,000 | $ 174,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 41 | $ 8,581,000 | $ 209,292 | $ 138,000 |
| Tampa-St. Petersburg-Clearwater, FL | 38 | $ 6,142,000 | $ 161,631 | $ 116,000 |
| San Diego-Carlsbad-San Marcos, CA | 33 | $ 19,401,000 | $ 587,909 | $ 253,000 |
| Atlanta-Sandy Springs-Marietta, GA | 31 | $ 6,387,000 | $ 206,032 | $ 121,000 |
| Cambridge-Newton-Framingham, MA | 28 | $ 8,758,000 | $ 312,785 | $ 154,000 |
| Aguadilla-Isabela-San Sebastian, PR | 23 | $ 2,767,000 | $ 120,304 | $ 58,000 |
| Phoenix-Mesa-Scottsdale, AZ | 21 | $ 4,523,000 | $ 215,380 | $ 125,000 |
| Worcester, MA | 21 | $ 4,947,000 | $ 235,571 | $ 147,000 |
| Houston-Sugar Land-Baytown, TX | 20 | $ 3,924,000 | $ 196,200 | $ 131,000 |
| Indianapolis-Carmel, IN | 19 | $ 3,343,000 | $ 175,947 | $ 133,000 |
| Oakland-Fremont-Hayward, CA | 16 | $ 4,288,000 | $ 268,000 | $ 184,000 |
| Camden, NJ | 14 | $ 2,113,000 | $ 150,928 | $ 108,000 |
| Denver-Aurora-Broomfield, CO | 14 | $ 2,495,000 | $ 178,214 | $ 131,000 |
| Kansas City, MO-KS | 14 | $ 3,311,000 | $ 236,500 | $ 148,142 |
| Sacramento--Arden-Arcade--Roseville, CA | 14 | $ 3,419,000 | $ 244,214 | $ 107,000 |
| San German-Cabo Rojo, PR | 14 | $ 1,527,000 | $ 109,071 | $ 59,000 |
| Charlotte-Gastonia-Concord, NC-SC | 13 | $ 2,008,000 | $ 154,461 | $ 120,461 |
| Albuquerque, NM | 12 | $ 1,714,000 | $ 142,833 | $ 105,000 |
| Dallas-Plano-Irving, TX | 12 | $ 2,174,000 | $ 181,166 | $ 116,000 |
| Las Vegas-Paradise, NV | 12 | $ 1,208,000 | $ 100,666 | $ 125,000 |
| Milwaukee-Waukesha-West Allis, WI | 12 | $ 2,112,000 | $ 176,000 | $ 97,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 12 | $ 2,848,000 | $ 237,333 | $ 126,500 |
| Baltimore-Towson, MD | 11 | $ 2,578,000 | $ 234,363 | $ 99,000 |
| Boston-Quincy, MA | 11 | $ 4,682,000 | $ 425,636 | $ 245,000 |
| Orlando-Kissimmee, FL | 11 | $ 1,957,000 | $ 177,909 | $ 99,000 |
| Edison-New Brunswick, NJ | 10 | $ 1,982,000 | $ 198,200 | $ 91,000 |
| Glens Falls, NY | 10 | $ 946,000 | $ 94,600 | $ 94,000 |
| Newark-Union, NJ-PA | 10 | $ 3,325,000 | $ 332,500 | $ 136,000 |
| Racine, WI | 10 | $ 1,598,000 | $ 159,800 | $ 94,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 10 | $ 3,107,000 | $ 310,700 | $ 122,000 |
| El Paso, TX | 9 | $ 1,366,000 | $ 151,777 | $ 86,000 |
| Hickory-Lenoir-Morganton, NC | 9 | $ 1,123,000 | $ 124,777 | $ 126,000 |
| Memphis, TN-MS-AR | 9 | $ 1,781,000 | $ 197,888 | $ 80,000 |
| Philadelphia, PA | 9 | $ 2,847,000 | $ 316,333 | $ 132,000 |
| Raleigh-Cary, NC | 9 | $ 2,132,000 | $ 236,888 | $ 128,000 |
| Asheville, NC | 8 | $ 1,380,000 | $ 172,500 | $ 78,000 |
| New York-White Plains-Wayne, NY-NJ | 8 | $ 2,988,000 | $ 373,500 | $ 157,750 |
| Little Rock-North Little Rock-Conway, AR | 7 | $ 796,000 | $ 113,714 | $ 95,000 |
| Richmond, VA | 7 | $ 1,313,000 | $ 187,571 | $ 150,000 |
| San Antonio, TX | 7 | $ 669,000 | $ 95,571 | $ 86,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 1,128,000 | $ 161,142 | $ 169,000 |
| Cincinnati-Middletown, OH-KY-IN | 6 | $ 1,762,000 | $ 293,666 | $ 158,000 |
| Gary, IN | 6 | $ 853,000 | $ 142,166 | $ 106,000 |
| Mayaguez, PR | 6 | $ 817,000 | $ 136,166 | $ 65,000 |
| Naples-Marco Island, FL | 6 | $ 1,180,000 | $ 196,666 | $ 159,000 |
| Pittsburgh, PA | 6 | $ 933,000 | $ 155,500 | $ 96,000 |
| Portland-Vancouver-Beaverton, OR-WA | 6 | $ 2,314,000 | $ 385,666 | $ 223,666 |
| Rockford, IL | 6 | $ 753,000 | $ 125,500 | $ 103,000 |
| Seattle-Bellevue-Everett, WA | 6 | $ 1,814,000 | $ 302,333 | $ 153,000 |
| Albany-Schenectady-Troy, NY | 5 | $ 696,000 | $ 139,200 | $ 71,000 |
| Austin-Round Rock, TX | 5 | $ 1,556,000 | $ 311,200 | $ 202,000 |
| Fort Worth-Arlington, TX | 5 | $ 746,000 | $ 149,200 | $ 74,000 |
| Gainesville, GA | 5 | $ 709,000 | $ 141,800 | $ 49,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 5 | $ 762,000 | $ 152,400 | $ 164,000 |
| Providence-New Bedford-Fall River, RI-MA | 5 | $ 1,194,000 | $ 238,800 | $ 137,400 |
| Salt Lake City, UT | 5 | $ 1,130,000 | $ 226,000 | $ 217,000 |
| Wilmington, DE-MD-NJ | 5 | $ 1,054,000 | $ 210,800 | $ 114,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 1,057,000 | $ 264,250 | $ 150,000 |
| Bethesda-Frederick-Rockville, MD | 4 | $ 1,157,000 | $ 289,250 | $ 117,000 |
| Birmingham-Hoover, AL | 4 | $ 1,109,000 | $ 277,250 | $ 158,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 775,000 | $ 193,750 | $ 128,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 910,000 | $ 227,500 | $ 98,000 |
| New Haven-Milford, CT | 4 | $ 1,260,000 | $ 315,000 | $ 167,000 |
| Ogden-Clearfield, UT | 4 | $ 956,000 | $ 239,000 | $ 69,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 1,142,000 | $ 285,500 | $ 150,000 |
| St. Louis, MO-IL | 4 | $ 934,000 | $ 233,500 | $ 172,000 |
| Tucson, AZ | 4 | $ 1,027,000 | $ 256,750 | $ 127,000 |
| Bakersfield, CA | 3 | $ 510,000 | $ 170,000 | $ 121,000 |
| Barnstable Town, MA | 3 | $ 778,000 | $ 259,333 | $ 270,000 |
| Bradenton-Sarasota-Venice, FL | 3 | $ 743,000 | $ 247,666 | $ 120,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 369,000 | $ 123,000 | $ 85,000 |
| Champaign-Urbana, IL | 3 | $ 618,000 | $ 206,000 | $ 100,000 |
| Durham-Chapel Hill, NC | 3 | $ 405,000 | $ 135,000 | $ 84,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 960,000 | $ 320,000 | $ 108,000 |
| Kalamazoo-Portage, MI | 3 | $ 798,000 | $ 266,000 | $ 156,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 299,000 | $ 99,666 | $ 123,000 |
| Madison, WI | 3 | $ 470,000 | $ 156,666 | $ 116,000 |
| Nassau-Suffolk, NY | 3 | $ 776,000 | $ 258,666 | $ 214,000 |
| Ponce, PR | 3 | $ 238,000 | $ 79,333 | $ 41,000 |
| Provo-Orem, UT | 3 | $ 583,000 | $ 194,333 | $ 142,000 |
| Punta Gorda, FL | 3 | $ 822,000 | $ 274,000 | $ 135,000 |
| Rockingham County-Strafford County, NH | 3 | $ 750,000 | $ 250,000 | $ 136,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 959,000 | $ 319,666 | $ 133,000 |
| Springfield, MO | 3 | $ 477,000 | $ 159,000 | $ 92,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 1,228,000 | $ 409,333 | $ 159,000 |
| Williamsport, PA | 3 | $ 489,000 | $ 163,000 | $ 128,000 |
| Auburn-Opelika, AL | 2 | $ 190,000 | $ 95,000 | $ 255,000 |
| Bend, OR | 2 | $ 144,000 | $ 72,000 | $ 33,000 |
| Boulder, CO | 2 | $ 716,000 | $ 358,000 | $ 207,000 |
| Buffalo-Niagara Falls, NY | 2 | $ 306,000 | $ 153,000 | $ 109,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 383,000 | $ 191,500 | $ 92,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 325,000 | $ 162,500 | $ 61,000 |
| Dayton, OH | 2 | $ 256,000 | $ 128,000 | $ 81,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 267,000 | $ 133,500 | $ 67,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 310,000 | $ 155,000 | $ 89,000 |
| Flint, MI | 2 | $ 821,000 | $ 410,500 | $ 151,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 690,000 | $ 345,000 | $ 202,000 |
| Greensboro-High Point, NC | 2 | $ 312,000 | $ 156,000 | $ 90,000 |
| Guayama, PR | 2 | $ 183,000 | $ 91,500 | $ 46,000 |
| Jackson, MS | 2 | $ 60,000 | $ 30,000 | $ 80,000 |
| Jacksonville, FL | 2 | $ 291,000 | $ 145,500 | $ 114,000 |
| Lawton, OK | 2 | $ 318,000 | $ 159,000 | $ 197,000 |
| Logan, UT-ID | 2 | $ 94,000 | $ 47,000 | $ 24,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 333,000 | $ 166,500 | $ 79,500 |
| Manchester-Nashua, NH | 2 | $ 228,000 | $ 114,000 | $ 104,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 467,000 | $ 233,500 | $ 79,000 |
| Niles-Benton Harbor, MI | 2 | $ 767,000 | $ 383,500 | $ 257,000 |
| Peoria, IL | 2 | $ 495,000 | $ 247,500 | $ 123,000 |
| Prescott, AZ | 2 | $ 585,000 | $ 292,500 | $ 140,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 735,000 | $ 367,500 | $ 177,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 1,007,000 | $ 503,500 | $ 142,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 177,000 | $ 88,500 | $ 121,000 |
| Tallahassee, FL | 2 | $ 299,000 | $ 149,500 | $ 82,000 |
| Toledo, OH | 2 | $ 525,000 | $ 262,500 | $ 83,000 |
| Tulsa, OK | 2 | $ 297,000 | $ 148,500 | $ 131,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 405,000 | $ 202,500 | $ 99,000 |
| Winston-Salem, NC | 2 | $ 51,000 | $ 25,500 | $ 49,000 |
| Yauco, PR | 2 | $ 523,000 | $ 261,500 | $ 141,000 |
| Ames, IA | 1 | $ 101,000 | $ 101,000 | $ 178,000 |
| Anderson, SC | 1 | $ 144,000 | $ 144,000 | $ 73,000 |
| Appleton, WI | 1 | $ 22,000 | $ 22,000 | $ 52,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 140,000 | $ 140,000 | $ 45,000 |
| Baton Rouge, LA | 1 | $ 245,000 | $ 245,000 | $ 95,000 |
| Boise City-Nampa, ID | 1 | $ 350,000 | $ 350,000 | $ 113,000 |
| Bremerton-Silverdale, WA | 1 | $ 320,000 | $ 320,000 | $ 118,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 450,000 | $ 450,000 | $ 227,000 |
| Canton-Massillon, OH | 1 | $ 110,000 | $ 110,000 | $ 120,000 |
| Cedar Rapids, IA | 1 | $ 177,000 | $ 177,000 | $ 129,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 273,000 | $ 273,000 | $ 129,000 |
| Columbia, MO | 1 | $ 356,000 | $ 356,000 | $ 133,000 |
| Columbia, SC | 1 | $ 175,000 | $ 175,000 | $ 119,000 |
| Columbus, GA-AL | 1 | $ 81,000 | $ 81,000 | $ 58,000 |
| Corpus Christi, TX | 1 | $ 109,000 | $ 109,000 | $ 56,000 |
| Cumberland, MD-WV | 1 | $ 230,000 | $ 230,000 | $ 228,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 53,000 | $ 53,000 | $ 145,000 |
| Dubuque, IA | 1 | $ 80,000 | $ 80,000 | $ 31,000 |
| Eugene-Springfield, OR | 1 | $ 800,000 | $ 800,000 | $ 165,000 |
| Fajardo, PR | 1 | $ 166,000 | $ 166,000 | $ 67,000 |
| Flagstaff, AZ | 1 | $ 151,000 | $ 151,000 | $ 64,000 |
| Fort Collins-Loveland, CO | 1 | $ 115,000 | $ 115,000 | $ 127,000 |
| Fort Wayne, IN | 1 | $ 155,000 | $ 155,000 | $ 157,000 |
| Gainesville, FL | 1 | $ 312,000 | $ 312,000 | $ 97,000 |
| Grand Junction, CO | 1 | $ 125,000 | $ 125,000 | $ 91,000 |
| Green Bay, WI | 1 | $ 135,000 | $ 135,000 | $ 98,000 |
| Greenville, NC | 1 | $ 33,000 | $ 33,000 | $ 18,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 144,000 | $ 144,000 | $ 86,000 |
| Gulfport-Biloxi, MS | 1 | $ 170,000 | $ 170,000 | $ 98,000 |
| Hot Springs, AR | 1 | $ 243,000 | $ 243,000 | $ 200,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 185,000 | $ 185,000 | $ 205,000 |
| Jackson, MI | 1 | $ 5,000 | $ 5,000 | $ 58,000 |
| Janesville, WI | 1 | $ 26,000 | $ 26,000 | $ 98,000 |
| Johnson City, TN | 1 | $ 78,000 | $ 78,000 | $ 37,000 |
| Kankakee-Bradley, IL | 1 | $ 237,000 | $ 237,000 | $ 98,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 365,000 | $ 365,000 | $ 270,000 |
| La Crosse, WI-MN | 1 | $ 113,000 | $ 113,000 | $ 145,000 |
| Lafayette, IN | 1 | $ 135,000 | $ 135,000 | $ 73,000 |
| Lakeland-Winter Haven, FL | 1 | $ 207,000 | $ 207,000 | $ 175,000 |
| Lancaster, PA | 1 | $ 250,000 | $ 250,000 | $ 119,000 |
| Lynchburg, VA | 1 | $ 142,000 | $ 142,000 | $ 234,000 |
| Manhattan, KS | 1 | $ 117,000 | $ 117,000 | $ 192,000 |
| Mobile, AL | 1 | $ 416,000 | $ 416,000 | $ 224,000 |
| Oklahoma City, OK | 1 | $ 170,000 | $ 170,000 | $ 175,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 170,000 | $ 170,000 | $ 122,000 |
| Oshkosh-Neenah, WI | 1 | $ 140,000 | $ 140,000 | $ 56,000 |
| Palm Coast, FL | 1 | $ 99,000 | $ 99,000 | $ 180,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 254,000 | $ 254,000 | $ 89,000 |
| Peabody, MA | 1 | $ 199,000 | $ 199,000 | $ 50,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 274,000 | $ 274,000 | $ 113,000 |
| Port St. Lucie, FL | 1 | $ 58,000 | $ 58,000 | $ 60,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 288,000 | $ 288,000 | $ 379,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 301,000 | $ 301,000 | $ 252,000 |
| Santa Fe, NM | 1 | $ 52,000 | $ 52,000 | $ 80,000 |
| Sheboygan, WI | 1 | $ 64,000 | $ 64,000 | $ 24,000 |
| Shreveport-Bossier City, LA | 1 | $ 142,000 | $ 142,000 | $ 109,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 383,000 | $ 383,000 | $ 625,000 |
| Spokane, WA | 1 | $ 417,000 | $ 417,000 | $ 230,000 |
| St. George, UT | 1 | $ 344,000 | $ 344,000 | $ 201,000 |
| Terre Haute, IN | 1 | $ 25,000 | $ 25,000 | $ 57,000 |
| Tyler, TX | 1 | $ 165,000 | $ 165,000 | $ 128,000 |
| Valdosta, GA | 1 | $ 416,000 | $ 416,000 | $ 112,000 |
| Warner Robins, GA | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Wausau, WI | 1 | $ 216,000 | $ 216,000 | $ 73,000 |
| Wheeling, WV-OH | 1 | $ 54,000 | $ 54,000 | $ 39,000 |
| Winchester, VA-WV | 1 | $ 73,000 | $ 73,000 | $ 43,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 26,000 | $ 26,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Baxter Credit Union in 2009
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 | 2,921 | $578,640,000 | $198,000 | $1,720,000 | $112,000 | $638,000 |
| Home Purchase | 1,050 | $226,573,000 | $215,000 | $1,944,000 | $119,000 | $1,359,000 |
| Home Improvement | 169 | $6,768,000 | $40,000 | $490,000 | $79,000 | $350,000 |
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 | 2,301 | $464,503,000 | $201,000 | $1,944,000 | $118,000 | $1,359,000 |
| Not Provided | 988 | $192,658,000 | $194,000 | $1,720,000 | $114,000 | $1,080,000 |
| Hispanic | 436 | $67,404,000 | $154,000 | $600,000 | $80,000 | $518,000 |
| Asian | 241 | $59,245,000 | $245,000 | $1,254,000 | $125,000 | $486,000 |
| Black or African American | 142 | $22,110,000 | $155,000 | $968,000 | $83,000 | $359,000 |
| American Indian or Alaskan Native | 20 | $3,013,000 | $150,000 | $347,000 | $72,000 | $170,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $3,048,000 | $254,000 | $400,000 | $138,000 | $238,000 |
| 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) | 4,140 | $811,981,000 | $196,000 | $1,944,000 | $112,000 | $1,359,000 |
| 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 | 2,408 | $499,192,000 | $207,000 | $1,944,000 | $122,000 | $1,080,000 |
| Application Approved But Not Accepted | 616 | $115,574,000 | $187,000 | $1,720,000 | $115,000 | $625,000 |
| Application Denied By Financial Institution | 487 | $68,156,000 | $139,000 | $719,000 | $73,000 | $1,359,000 |
| Application Withdrawn By Applicant | 448 | $89,940,000 | $200,000 | $1,525,000 | $110,000 | $1,120,000 |
| File Closed For Incompleteness | 167 | $36,360,000 | $217,000 | $870,000 | $89,000 | $300,000 |
| Preapproval Approved but not Accepted | 7 | $1,997,000 | $285,000 | $428,000 | $121,000 | $299,000 |
| Preapproval Denied by Financial Institution | 7 | $762,000 | $108,000 | $190,000 | $125,000 | $594,000 |
| 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 | 154 | $19,178,000 | $124,000 | $417,000 | $75,000 | $1,359,000 |
| Collateral | 114 | $21,717,000 | $190,000 | $719,000 | $81,000 | $416,000 |
| Debt-To-Income Ratio | 77 | $13,027,000 | $169,000 | $417,000 | $56,000 | $180,000 |
| Other | 63 | $4,854,000 | $77,000 | $378,000 | $83,000 | $594,000 |
| Mortgage Insurance Denied | 25 | $941,000 | $37,000 | $147,000 | $52,000 | $125,000 |
| Unverifiable Information | 4 | $635,000 | $158,000 | $290,000 | $94,000 | $235,000 |
| Credit Application Incomplete | 3 | $258,000 | $86,000 | $153,000 | $37,000 | $52,000 |
| Employment History | 3 | $646,000 | $215,000 | $365,000 | $10,000 | $25,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Baxter Credit Union's 2009 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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