MERITRUST Federal Credit Union
MERITRUST Federal Credit Union received 1,087 applications in 2025 and made 852 mortgages, in 39 counties across 1 state. The median rate its borrowers got was 6.750% on a median loan of $135,000. Of 955 decisions, 95 were denials — 10.0%, most often for credit history. 124 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300O0SJ54M4D70R54 |
|---|---|
| Applications received | 1,087 |
| Mortgages made | 852 |
| Denied | 95 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 132 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.083 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 432 | 6.250% | $215,000 | 1.8% |
| Refinancing | 125 | 7.500% | $85,000 | 16.1% |
| Cash-out refinancing | 295 | 7.500% | $75,000 | 17.4% |
| Other purposes | 0 | Under 10 loans | Under 10 loans | Not published |
Where MERITRUST Federal Credit Union lends most
The 39 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sedgwick County, KS | 644 | 6.750% | 8.5% |
| Butler County, KS | 76 | 6.750% | 11.5% |
| Reno County, KS | 24 | 7.500% | 4.0% |
| Harvey County, KS | 19 | 7.500% | 9.5% |
| Sumner County, KS | 19 | 6.875% | 17.4% |
| Douglas County, KS | 13 | 6.500% | 13.3% |
| Cowley County, KS | 10 | 7.240% | 9.1% |
| Johnson County, KS | 8 | Under 10 loans | 11.1% |
| Riley County, KS | 4 | Under 10 loans | 28.6% |
| Saline County, KS | 4 | Under 10 loans | 33.3% |
| Kingman County, KS | 3 | Under 10 loans | 0.0% |
| Dickinson County, KS | 2 | Under 10 loans | 0.0% |
| Geary County, KS | 2 | Under 10 loans | 50.0% |
| Leavenworth County, KS | 2 | Under 10 loans | 33.3% |
| Marion County, KS | 2 | Under 10 loans | 0.0% |
| Pottawatomie County, KS | 2 | Under 10 loans | 50.0% |
| Coffey County, KS | 1 | Under 10 loans | 0.0% |
| Elk County, KS | 1 | Under 10 loans | 0.0% |
| Ford County, KS | 1 | Under 10 loans | 0.0% |
| Franklin County, KS | 1 | Under 10 loans | 50.0% |
| Gove County, KS | 1 | Under 10 loans | 0.0% |
| Greenwood County, KS | 1 | Under 10 loans | 0.0% |
| Jefferson County, KS | 1 | Under 10 loans | 50.0% |
| McPherson County, KS | 1 | Under 10 loans | 0.0% |
| Meade County, KS | 1 | Under 10 loans | 0.0% |
| Miami County, KS | 1 | Under 10 loans | 0.0% |
| Morris County, KS | 1 | Under 10 loans | 0.0% |
| Ness County, KS | 1 | Under 10 loans | 0.0% |
| Osage County, KS | 1 | Under 10 loans | 0.0% |
| Rice County, KS | 1 | Under 10 loans | 0.0% |
| Scott County, KS | 1 | Under 10 loans | 0.0% |
| Shawnee County, KS | 1 | Under 10 loans | 50.0% |
| Stafford County, KS | 1 | Under 10 loans | 0.0% |
| Woodson County, KS | 1 | Under 10 loans | 0.0% |
| Barber County, KS | 0 | Under 10 loans | 100.0% |
| Clay County, KS | 0 | Under 10 loans | Not published |
| Harper County, KS | 0 | Under 10 loans | Not published |
| Labette County, KS | 0 | Under 10 loans | 100.0% |
| Wabaunsee County, KS | 0 | Under 10 loans | Not published |
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When MERITRUST Federal Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.