Meridian Trust Federal Credit Union
Meridian Trust Federal Credit Union received 709 applications in 2025 and made 404 mortgages, in 53 counties across 10 states. The median rate its borrowers got was 6.500% on a median loan of $85,000. Of 534 decisions, 122 were denials — 22.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493007KYI3BO5LTXF79 |
|---|---|
| Applications received | 709 |
| Mortgages made | 404 |
| Denied | 122 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 175 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.25 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 | 50 | 6.440% | $205,000 | 28.6% |
| Refinancing | 72 | 6.500% | $125,000 | 7.6% |
| Cash-out refinancing | 78 | 6.500% | $90,000 | 22.3% |
| Other purposes | 204 | 6.500% | $65,000 | 25.9% |
Where Meridian Trust Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Laramie County, WY | 167 | 6.500% | 18.9% |
| Scotts Bluff County, NE | 36 | 6.500% | 14.3% |
| Fremont County, WY | 35 | 6.500% | 22.2% |
| Carbon County, WY | 23 | 7.000% | 31.4% |
| Teton County, WY | 18 | 6.500% | 34.5% |
| Sweetwater County, WY | 16 | 7.125% | 23.8% |
| Larimer County, CO | 15 | 7.000% | 25.0% |
| Natrona County, WY | 15 | 7.500% | 28.6% |
| Weld County, CO | 11 | 8.000% | 0.0% |
| Lincoln County, WY | 11 | 6.500% | 21.4% |
| Box Butte County, NE | 10 | 6.750% | 28.6% |
| Sublette County, WY | 7 | Under 10 loans | 30.0% |
| Teton County, ID | 6 | Under 10 loans | 14.3% |
| Albany County, WY | 5 | Under 10 loans | 37.5% |
| Goshen County, WY | 4 | Under 10 loans | 33.3% |
| Boulder County, CO | 2 | Under 10 loans | 0.0% |
| Bonneville County, ID | 2 | Under 10 loans | 0.0% |
| Morrill County, NE | 2 | Under 10 loans | 33.3% |
| Pennington County, SD | 2 | Under 10 loans | 0.0% |
| Uinta County, WY | 2 | Under 10 loans | 0.0% |
| Mohave County, AZ | 1 | Under 10 loans | 0.0% |
| Arapahoe County, CO | 1 | Under 10 loans | 0.0% |
| Delta County, CO | 1 | Under 10 loans | 0.0% |
| Douglas County, CO | 1 | Under 10 loans | 0.0% |
| Jefferson County, CO | 1 | Under 10 loans | 0.0% |
| Park County, CO | 1 | Under 10 loans | 0.0% |
| Buena Vista County, IA | 1 | Under 10 loans | 0.0% |
| Banner County, NE | 1 | Under 10 loans | 50.0% |
| Deuel County, NE | 1 | Under 10 loans | 0.0% |
| Douglas County, NE | 1 | Under 10 loans | 0.0% |
| Hall County, NE | 1 | Under 10 loans | 50.0% |
| Kimball County, NE | 1 | Under 10 loans | 0.0% |
| Niobrara County, WY | 1 | Under 10 loans | 0.0% |
| Platte County, WY | 1 | Under 10 loans | 50.0% |
| Sheridan County, WY | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 0 | Under 10 loans | Not published |
| Yavapai County, AZ | 0 | Under 10 loans | 100.0% |
| Adams County, CO | 0 | Under 10 loans | Not published |
| La Plata County, CO | 0 | Under 10 loans | 100.0% |
| Pueblo County, CO | 0 | Under 10 loans | 100.0% |
| Bear Lake County, ID | 0 | Under 10 loans | 100.0% |
| Park County, MT | 0 | Under 10 loans | Not published |
| Yellowstone County, MT | 0 | Under 10 loans | 100.0% |
| Lincoln County, NE | 0 | Under 10 loans | 100.0% |
| Rock County, NE | 0 | Under 10 loans | Not published |
| Hardin County, TX | 0 | Under 10 loans | Not published |
| Zavala County, TX | 0 | Under 10 loans | Not published |
| Salt Lake County, UT | 0 | Under 10 loans | Not published |
| Utah County, UT | 0 | Under 10 loans | 100.0% |
| Campbell County, WY | 0 | Under 10 loans | 100.0% |
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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.