# Meridian Trust Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/meridian-trust-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Meridian Trust Federal Credit Union is a credit union, headquartered in Cheyenne, WY, serving borrowers across 5 states, with 25 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 81% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493007KYI3BO5LTXF79
- **Headquarters:** Cheyenne, WY
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** CO, ID, MT, NE, WY
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Mediocre 😐
- Score: 19/100
- Rating: ●○○○○ (1/5)


### Lending Volume
- **Total Loans:** 25
- **Dollar Volume:** $5 million
- **Applications Received:** 116
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $186,600
- **Average Borrower Income:** $148,000
- **Average Property Value:** $377,800

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 25/100 | 25 | -0.030% | $1,659 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 16/100 | 10 | $2M | -0.076% | Mediocre 😐 |
| Refinance | 36/100 | 15 | $3M | +0.003% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WY | 19 | 0.30% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 15 | 38/100 |

## Where This Lender Ranks

Meridian Trust Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Wyoming for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wyoming/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does Meridian Trust Federal Credit Union offer?

Meridian Trust Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Meridian Trust Federal Credit Union offer mortgages?

Meridian Trust Federal Credit Union offers mortgages in 5 states: CO, ID, MT, NE, WY.

### What type of lender is Meridian Trust Federal Credit Union?

Meridian Trust Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Cheyenne, WY.

### What is Meridian Trust Federal Credit Union's loan approval success rate?

Meridian Trust Federal Credit Union has a pull-through score of 19/100 (Mediocre). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/meridian-trust-federal-credit-union

### How to Cite

> "Meridian Trust Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/meridian-trust-federal-credit-union

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