Meridian Trust Federal Credit Union mortgage approval rate & lending review
Meridian Trust Federal Credit Union decided 402 mortgage applications and funded 314 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Meridian Trust Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Meridian Trust Federal Credit Union at a glance
Approval is 7.3 points above the 72.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 59% | 36 / 61 | 100% | $245K | 36 |
| Home improvement loans | 83% | 114 / 137 | 97% | $65K | 111 |
| Cash-out refinance | 83% | 55 / 66 | 98% | $115K | 54 |
| Refinance | 85% | 93 / 110 | 99% | $85K | 92 |
Meridian Trust Federal Credit Union lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Questions about Meridian Trust Federal Credit Union
What is Meridian Trust Federal Credit Union's mortgage approval rate?
Meridian Trust Federal Credit Union approved 79.4% of the 402 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.3 points above the 72.1% national rate for the same mix of loan types.
How often do borrowers take the loan Meridian Trust Federal Credit Union offers?
Borrowers accepted 98% of the loans Meridian Trust Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Meridian Trust Federal Credit Union make?
The typical home improvement loan loan Meridian Trust Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Meridian Trust Federal Credit Union lend?
Meridian Trust Federal Credit Union decided applications in 9 of the states Fat Boy Data covers, most of them in Wyoming, Colorado and Arizona.
Can I apply to Meridian Trust Federal Credit Union directly?
Yes. Meridian Trust Federal Credit Union is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Meridian Trust Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Meridian Trust Federal Credit Union treats applications, then get a rate quote from the lender.