# MERITRUST Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/meritrust-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

MERITRUST Federal Credit Union is a credit union, headquartered in Wichita, KS, with 538 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 33% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 26% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300O0SJ54M4D70R54
- **Headquarters:** Wichita, KS
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** KS
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.025%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,341
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 538
- **Dollar Volume:** $115 million
- **Applications Received:** 744
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $214,164
- **Average Borrower Income:** $109,106

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 74/100 | 535 | +0.027% | $1,344 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 426 loans, Score: 72/100 (Strong)
- Refinance: 109 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 69/100 | 429 | $100M | -0.062% | Strong 😀 |
| Refinance | 70/100 | 109 | $15M | +0.378% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 538 | 1.80% | 96/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Wichita, KS | KS | 486 | 100/100 |
| Non |  | 30 | 34/100 |

## Frequently Asked Questions

### What loan types does MERITRUST Federal Credit Union offer?

MERITRUST 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 MERITRUST Federal Credit Union offer mortgages?

MERITRUST Federal Credit Union offers mortgages in 1 states: KS.

### How competitive are MERITRUST Federal Credit Union's mortgage rates?

MERITRUST Federal Credit Union has a pricing score of 67/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.025% above market average.

### What type of lender is MERITRUST Federal Credit Union?

MERITRUST Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Wichita, KS.

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

MERITRUST Federal Credit Union has a pull-through score of 74/100 (Strong). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/meritrust-federal-credit-union

### How to Cite

> "MERITRUST Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/meritrust-federal-credit-union

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