MERITUS Federal Credit Union
MERITUS Federal Credit Union received 65 applications in 2025 and made 36 mortgages, in 9 counties across 1 state. The median rate its borrowers got was 6.250% on a median loan of $115,000. Of 53 decisions, 13 were denials — 24.5%, most often for other.
| Legal Entity Identifier | 549300333JQWIP8NLK67 |
|---|---|
| Applications received | 65 |
| Mortgages made | 36 |
| Denied | 13 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.115 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 | 13 | 6.375% | $165,000 | 11.1% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Cash-out refinancing | 17 | 6.125% | $85,000 | 25.0% |
Where MERITUS Federal Credit Union lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lafayette Parish, LA | 22 | 6.188% | 20.0% |
| St. Landry Parish, LA | 5 | Under 10 loans | 16.7% |
| Vermilion Parish, LA | 4 | Under 10 loans | 0.0% |
| Acadia Parish, LA | 3 | Under 10 loans | 40.0% |
| St. Martin Parish, LA | 2 | Under 10 loans | 50.0% |
| Caddo Parish, LA | 0 | Under 10 loans | Not published |
| Iberia Parish, LA | 0 | Under 10 loans | 100.0% |
| LaSalle Parish, LA | 0 | Under 10 loans | 0.0% |
| Orleans Parish, LA | 0 | Under 10 loans | Not published |
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When MERITUS 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.