Meridian Bank: 2025 mortgage rates, costs & approvals
How Meridian Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: MERIDIAN BANK · LEI 635400IW1QMK3FNFF894
In 2025, Meridian Bank originated 2,057 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 35 states — 273rd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $5,640, about the same as the national median ($5,570).
It denied 3.7% of completed home-purchase applications (all lenders: 8.5%).
How Meridian Bank priced home-purchase loans
| Purchase loans, 2025 | Meridian Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.16 pts | +0.13 pts |
| Total loan costs · conventional | $5,640 | $5,570 |
| Total loan costs · FHA | $11,630 | $11,310 |
| Total loan costs · VA | $10,560 | $6,490 |
| Origination charges (all types) | $1,850 | $1,860 |
| Borrowers paying discount points | 31.9% | 51.3% |
| Points paid, when paid (% of loan) | 0.54% | 0.87% |
| Borrowers receiving lender credits | 58.3% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Meridian Bank denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Meridian Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Maryland | 734 | 778 | 4.8% | 6.624% | $5,030 |
| Delaware | 510 | 526 | 2.9% | 6.500% | $6,450 |
| Pennsylvania | 475 | 484 | 1.3% | 6.500% | $5,940 |
| New Jersey | 174 | 191 | 8.1% | 6.500% | $7,790 |
| Virginia | 35 | 36 | 3.3% | — | — |
| Florida | 20 | 21 | — | — | — |
| North Carolina | 20 | 20 | — | — | — |
| South Carolina | 10 | 10 | — | — | — |
| Indiana | 9 | 9 | — | — | — |
| Georgia | 8 | 8 | — | — | — |
| West Virginia | 8 | 8 | — | — | — |
| District of Columbia | 7 | 9 | — | — | — |
| New York | 5 | 5 | — | — | — |
| Illinois | 4 | 4 | — | — | — |
| Ohio | 4 | 4 | — | — | — |
| Washington | 4 | 4 | — | — | — |
| Massachusetts | 3 | 3 | — | — | — |
| Nevada | 3 | 3 | — | — | — |
| Texas | 3 | 3 | — | — | — |
| Alabama | 2 | 2 | — | — | — |
| Arkansas | 2 | 2 | — | — | — |
| Arizona | 2 | 2 | — | — | — |
| Iowa | 2 | 2 | — | — | — |
| Kansas | 2 | 2 | — | — | — |
| Mississippi | 2 | 2 | — | — | — |
| Maine | 1 | 2 | — | — | — |
| Kentucky | 1 | 1 | — | — | — |
| Minnesota | 1 | 1 | — | — | — |
| New Hampshire | 1 | 1 | — | — | — |
| Oklahoma | 1 | 1 | — | — | — |
| Rhode Island | 1 | 1 | — | — | — |
| Tennessee | 1 | 1 | — | — | — |
| Utah | 1 | 1 | — | — | — |
| Vermont | 1 | 1 | — | — | — |
| Missouri | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Meridian Bank's page for that state.
Counties where Meridian Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kent County, DE | 5 | 120 | 3.9% |
| New Castle County, DE | 5 | 263 | 3.6% |
| Sussex County, DE | 9 | 127 | 2.7% |
| Harford County, MD | 12 | 91 | 2.3% |
| Baltimore city, MD | 11 | 110 | 1.9% |
| Caroline County, MD | 10 | 8 | 1.8% |
| Baltimore County, MD | 14 | 145 | 1.5% |
| Cecil County, MD | 19 | 18 | 1.3% |
| Kent County, MD | 19 | 3 | 1.3% |
| Dorchester County, MD | 21 | 6 | 1.2% |
| Howard County, MD | 23 | 47 | 1.1% |
| Carroll County, MD | 24 | 27 | 1.1% |
| Philadelphia County, PA | 19 | 138 | 1.1% |
| St. Mary's County, MD | 21 | 19 | 1.1% |
| Delaware County, PA | 21 | 60 | 1.0% |
Check Meridian Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 635400IW1QMK3FNFF894.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Meridian Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology