Baxter Credit Union
3,185 mortgages originated in 2025 across 16 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,185
- Median rate
- 7.000%
- Median lender fees
- $2,909
- Median loan amount
- $155,000
- Median spread over APOR
- 0.121
- Paid discount points
- 8.7%
- Received lender credits
- 23.4%
- Purchases / refinances
- 29.2% / 21.7%
- Conventional / FHA / VA
- 100% / 0% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 64.2% of loans here — see methodology.
Where Baxter Credit Union lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Illinois | 917 | $1,930 | 7.250% |
| Minnesota | 494 | $3,640 | 6.875% |
| California | 229 | $3,184 | 7.125% |
| Florida | 150 | $3,364 | 7.250% |
| Wisconsin | 118 | $2,649 | 6.750% |
| North Carolina | 115 | $2,940 | 7.000% |
| Ohio | 89 | $2,729 | 7.000% |
| Georgia | 88 | $3,144 | 7.188% |
| Indiana | 76 | $2,797 | 6.938% |
| Tennessee | 75 | $3,127 | 7.000% |
| Texas | 68 | $3,892 | 6.813% |
| Arizona | 58 | — | 6.813% |
| Massachusetts | 55 | — | 6.750% |
| New Jersey | 53 | — | 7.000% |
| Arkansas | 51 | — | 7.375% |
| Virginia | 50 | — | 7.625% |