Lender in Kansas · HMDA 2025
Meritrust Federal Credit Union mortgages in Kansas
Meritrust Federal Credit Union's 2025 home-purchase and refinance lending in Kansas, compared with all lenders in the state.
Meritrust Federal Credit Union originated 459 owner-occupied single-family loans in Kansas from 490 completed applications, making it the state's #17 lender by volume.
Its median conventional purchase loan costs were $3,130 versus $3,290 for all Kansas lenders, at a median 30-year fixed rate of 6.25% (Kansas: 6.625%).
Loans in KS
459
of 490 applications
Denial rate
1.7%
Purchase · KS 6.6%
Rate spread
−0.20 pts
Conv. · KS +0.18 pts
Loan amount
$225,000
Purchase · KS $255,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 414 | 405 | 1.7% | 6.250% | −0.20 pts | $3,130 | $225,000 |
| Refinance | 26 | 20 | 23.1% | — | −0.49 pts | $2,910 | $165,000 |
| Cash-out refinance | 50 | 34 | 30.0% | — | +0.66 pts | $2,340 | $105,000 |
*Conventional loans only; medians with at least 20 loans.
Kansas counties where Meritrust Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sedgwick County | 3 | 351 | 4.8% |
| Butler County | 4 | 43 | 3.9% |
| Elk County | 7 | 1 | 8.3% |
| Gove County | 7 | 1 | 5.6% |
| Ness County | 8 | 1 | 5.3% |
| Sumner County | 9 | 11 | 3.7% |
| Scott County | 15 | 1 | 4.0% |
| Kingman County | 16 | 2 | 2.1% |
| Saline County | 22 | 4 | 1.0% |
| Cowley County | 23 | 4 | 1.3% |
| Morris County | 23 | 1 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology