Meridian Trust Federal Credit Union in Colorado vs the state
11.7%Denial rate-3.96 pts vs state
17.5%Decision denial rate-2.16 pts vs state
55.0%Origination rate-5.02 pts vs state
7.50%Median rate+0.88 pts vs state
0.73Rate spread (pts)+0.58 pts vs state
$149kMedian applicant income
33Loans originated
7Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 47 | 25 | 23.4% | 5.99% | #297 |
| 2024 | 43 | 18 | 18.6% | 7.14% | #310 |
| 2025 | 60 | 33 | 11.7% | 7.50% | #280 |
What Meridian Trust Federal Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Meridian Trust Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Larimer County | 31 | 15 | 5 | 16.1% |
| Weld County | 16 | 11 | 0 | 0.0% |
| Arapahoe County | 2 | 1 | 0 | 0.0% |
| Douglas County | 2 | 1 | 0 | 0.0% |
| Boulder County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 1 | 0 | 0.0% |
| Delta County | 1 | 1 | 0 | 0.0% |
| Park County | 1 | 1 | 0 | 0.0% |
| La Plata County | 1 | 0 | 1 | 100.0% |
| Adams County | 1 | 0 | 0 | 0.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 60 applications in 2025, of which 33 were originated and 7 denied.
11.7% of all applications, or 17.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Meridian Trust Federal Credit Union originated in Colorado in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Meridian Trust Federal Credit Union's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology