MERITRUST Federal Credit Union in Kansas vs the state
8.7%Denial rate-6.29 pts vs state
10.0%Decision denial rate-8.33 pts vs state
78.4%Origination rate+14.56 pts vs state
6.75%Median rate+0.13 pts vs state
-0.08Rate spread (pts)-0.38 pts vs state
$94kMedian applicant income
852Loans originated
95Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,254 | 892 | 11.7% | 6.75% | #12 |
| 2024 | 1,256 | 910 | 10.4% | 6.75% | #13 |
| 2025 | 1,087 | 852 | 8.7% | 6.75% | #18 |
What MERITRUST Federal Credit Union lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most MERITRUST Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 814 | 644 | 60 | 7.4% |
| Butler County | 96 | 76 | 10 | 10.4% |
| Sumner County | 26 | 19 | 4 | 15.4% |
| Reno County | 25 | 24 | 1 | 4.0% |
| Harvey County | 23 | 19 | 2 | 8.7% |
| Douglas County | 18 | 13 | 2 | 11.1% |
| Johnson County | 12 | 8 | 1 | 8.3% |
| Cowley County | 11 | 10 | 1 | 9.1% |
| Riley County | 8 | 4 | 2 | 25.0% |
| Saline County | 6 | 4 | 2 | 33.3% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 1,087 applications in 2025, of which 852 were originated and 95 denied.
8.7% of all applications, or 10.0% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans MERITRUST Federal Credit Union originated in Kansas in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are MERITRUST Federal Credit Union's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology