Meritrust Credit Union mortgage approval rate & lending review
Meritrust Credit Union decided 2,060 mortgage applications and funded 1,777 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Meritrust Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Meritrust Credit Union at a glance
Approval is 16.4 points above the 70.6% 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 | 96% | 477 / 499 | 99% | $275K | 470 |
| Home improvement loans | 85% | 923 / 1,087 | 100% | $95K | 922 |
| Cash-out refinance | 86% | 165 / 192 | 98% | $55K | 161 |
| Refinance | 76% | 101 / 133 | 98% | $155K | 99 |
| Investment property purchase | 85% | 23 / 27 | 100% | $95K | 23 |
| Investment cash-out refinance | 89% | 34 / 38 | 100% | $145K | 34 |
| Investment refinance | 97% | 30 / 31 | 100% | $65K | 30 |
| Investment home improvement | 72% | 38 / 53 | 100% | $75K | 38 |
Meritrust 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.
Where Meritrust Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Boulder County, CO | Home improvement loans | 82% | 315 | 256 |
| Sedgwick County, KS | Mortgage lenders | 97% | 185 | 176 |
| Weld County, CO | Home improvement loans | 87% | 151 | 131 |
| Adams County, CO | Home improvement loans | 82% | 158 | 130 |
| Larimer County, CO | Home improvement loans | 93% | 123 | 114 |
| Jefferson County, CO | Home improvement loans | 92% | 120 | 110 |
| Sedgwick County, KS | Cash-out refinance | 88% | 124 | 108 |
| Denver County, CO | Home improvement loans | 88% | 75 | 66 |
| Boulder County, CO | Mortgage lenders | 92% | 63 | 58 |
| Douglas County, CO | Home improvement loans | 86% | 65 | 56 |
| Arapahoe County, CO | Home improvement loans | 80% | 41 | 33 |
| Sedgwick County, KS | Investment cash-out refinance | 90% | 31 | 28 |
The county markets where Meritrust Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Meritrust Credit Union
What is Meritrust Credit Union's mortgage approval rate?
Meritrust Credit Union approved 86.9% of the 2,060 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.4 points above the 70.6% national rate for the same mix of loan types.
How often do borrowers take the loan Meritrust Credit Union offers?
Borrowers accepted 99% of the loans Meritrust 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 Meritrust Credit Union make?
The typical home improvement loan loan Meritrust Credit Union made was $95K; across all loan types its typical loan ran from $55K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Meritrust Credit Union lend?
Meritrust Credit Union decided applications in 11 of the states Fat Boy Data covers, most of them in Colorado, Kansas and Arizona.
Can I apply to Meritrust Credit Union directly?
Yes. Meritrust Credit Union is a bank or credit union with 33 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Meritrust 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 Meritrust Credit Union treats applications, then get a rate quote from the lender.