Meriwest mortgage approval rate & lending review
Meriwest decided 1,069 mortgage applications and funded 768 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Meriwest reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Meriwest at a glance
Approval is 5.5 points above the 66.3% 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 | 90% | 90 / 100 | 100% | $445K | 90 |
| Home improvement loans | 69% | 483 / 696 | 100% | $215K | 483 |
| Refinance | 73% | 102 / 139 | 100% | $255K | 102 |
| Investment home improvement | 63% | 60 / 95 | 100% | $245K | 60 |
Meriwest lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 71% | $215K | 1,038 | 741 |
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 Meriwest lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Santa Clara County, CA | Home improvement loans | 71% | 465 | 332 |
| Santa Clara County, CA | Refinance | 69% | 88 | 61 |
| Alameda County, CA | Home improvement loans | 67% | 60 | 40 |
| Santa Clara County, CA | Investment home improvement | 58% | 36 | 21 |
| San Mateo County, CA | Home improvement loans | 74% | 23 | 17 |
| Contra Costa County, CA | Home improvement loans | 73% | 22 | 16 |
| San Joaquin County, CA | Home improvement loans | 39% | 23 | 9 |
The county markets where Meriwest made the most loans. Each link opens that market with every lender ranked.
Questions about Meriwest
What is Meriwest's mortgage approval rate?
Meriwest approved 71.8% of the 1,069 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.5 points above the 66.3% national rate for the same mix of loan types.
How often do borrowers take the loan Meriwest offers?
Borrowers accepted 100% of the loans Meriwest 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 Meriwest make?
The typical home improvement loan loan Meriwest made was $215K; across all loan types its typical loan ran from $215K to $445K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Meriwest lend?
Meriwest decided applications in 5 of the states Fat Boy Data covers, most of them in California, Arizona and Nevada.
Can I apply to Meriwest directly?
Yes. Meriwest is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Meriwest'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 Meriwest treats applications, then get a rate quote from the lender.