Name of the lender

Meridia Community Federal Credit UnionMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2018 to 2025

Head office: Hamburg, NY
Reporting agency: National Credit Union Administration (NCUA)
Legal Entity Identifier (LEI)
Earlier names on its filings: Meridia Community FCU

Figures by state (CSV)

Meridia Community Federal Credit Union reported 85 mortgage applications in the HMDA data of 2025.

It originated 73 loans in 2025, for $4.7 million in total.

The median interest rate of its loans in 2025 was 5.490%, and the national median was 6.375%.

This page shows no median total loan costs, because fewer than 20 loans report the amount.

It denied 14.1% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Meridia Community Federal Credit Union, 2025
Figure	This lender	United States
Applications	85Under 0.1% of the US total	11,766,671
Loans originated	73$4.7 million	6,827,891
Median interest rate	5.490%	6.375%
Median total loan costs	n/a	$6,413
Denial rate	14.1%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Interest rate and total loan costs of Meridia Community Federal Credit Union by loan type, 2025Medians. Each value has the national median of the same loan type under it.
Loan type	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
All loans	22	5.490%US 6.375%	n/aUS $6,413	−0.330US 0.161
Conventional	22	5.490%US 6.500%	n/aUS $5,393	−0.330US 0.175

Parts of the total loan costs of Meridia Community Federal Credit Union by loan type, 2025Medians, with the national median under each value.
Loan type	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits
All loans	n/aUS $2,062	n/aUS $2,823	n/aUS $567
Conventional	n/aUS $1,981	n/aUS $2,588	n/aUS $604

The median rate spread of these loans was 0.330 percentage points below the average prime offer rate (APOR). On a loan of $300,000, that is about $990 less a year, or $83 less a month. The national median spread was 0.161 points.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different. What a rate spread is.

Median interest rate by year: Meridia Community Federal Credit Union and the United States

Meridia Community Federal Credit UnionUnited States

Action takenHMDA codes and labels

Records of Meridia Community Federal Credit Union by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	73	85.9%	50.4%
2Application approved but not accepted	0	0.0%	3.1%
3Application denied	12	14.1%	15.6%
4Application withdrawn by applicant	0	0.0%	12.6%
5File closed for incompleteness	0	0.0%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

The lender has fewer than 25 denials in 2025, so this page shows no reasons.

Loan types and purposesLoans of 2025

Applications of Meridia Community Federal Credit Union by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	85	73	14.1%US 23.4%

Applications of Meridia Community Federal Credit Union by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	0	0	0.0%
Home improvement	40	37	50.7%
Refinancing	2	2	2.7%
Cash-out refinancing	0	0	0.0%
Other purpose	43	34	46.6%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends1 state with 25 applications or more

Meridia Community Federal Credit Union by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
New York	85	73	5.490%	n/a	14.1%

Counties of Meridia Community Federal Credit Union with 50 applications or more, 2025In order of the names. The list has the 1 counties with the most loans of the lender.
County	Applications	Loans originated	Amount	Denial rate
Erie County, NY	81	70	$4.5 million	13.6%

Figures by yearHMDA 2022 to 2025

Meridia Community Federal Credit Union by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	85	73	5.490%	n/a	14.1%	85
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a
2019	n/a	n/a	n/a	n/a	n/a	85
2018	n/a	n/a	n/a	n/a	n/a	66

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: Meridia Community Federal Credit Union and the United States

Meridia Community Federal Credit UnionUnited States

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

Abacus Federal Savings BankNew York, NY
Auburn Community Federal Credit UnionAuburn, NY
Blair Services of America, IncMelville, NY
Financial Trust Federal Credit UnionWest Seneca, NY
Flushing BankUniondale, NY
GHS Federal Credit UnionBinghamton, NY
Jeff BankJeffersonville, NY
OwnersChoice Funding, Inc.Albany, NY
Patriot One Mortgage BankersMineola, NY
Ponce BankBronx, NY
Seneca SavingsBaldwinsville, NY
TCT Federal Credit UnionBallston Spa, NY

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "Meridia Community Federal Credit Union mortgage rates, 2025", https://lenderregister.com/lender/254900vrrl70b52cal31-meridia-community-federal-credit-union/
Lender: Meridia Community Federal Credit Union, LEI 254900VRRL70B52CAL31
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2018 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did Meridia Community Federal Credit Union buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
In which states did Meridia Community Federal Credit Union originate the most loans in 2025?: It had 25 applications or more in one state only: New York, with 73 loans originated.
Which loan types did Meridia Community Federal Credit Union originate in 2025?: All its loans were of one type: 73 Conventional.
How many records did Meridia Community Federal Credit Union file for 2025?: Its transmittal sheet counts 85 records. The count includes purchased loans and requests for preapproval, so it is not the count of applications.