What loan types does Merck Sharp & Dohme Federal Credit Union offer?

Merck Sharp & Dohme Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Merck Sharp & Dohme Federal Credit Union offer mortgages?

Merck Sharp & Dohme Federal Credit Union offers mortgages in 7 states: DE, FL, MD, NC, NJ, NY, PA.

How competitive are Merck Sharp & Dohme Federal Credit Union's mortgage rates?

Merck Sharp & Dohme Federal Credit Union has an overall pricing score of 47.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Merck Sharp & Dohme Federal Credit Union?

Merck Sharp & Dohme Federal Credit Union is a Credit Union headquartered in Chalfont, PA.

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Merck Sharp & Dohme Federal Credit Union

Credit Union•Chalfont, PAHQ•Direct•Reviews near you on Google

Merck Sharp & Dohme Federal Credit Union has 47 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Multi-Region · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Explore another lender or local market

Report Card

Merck Sharp & Dohme Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 1.1 bps below market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

45 loans · 0.00% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

33 loans · 0.04% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

14 loans · 0.11% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 1 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Sound	Sound	45	95.7%	+0.002%Above	$2,575Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume45

Mix95.7%

Spread

+0.002%Above

Fees

$2,575Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Sound	33	70.2%	+0.038%Above	$3,042Fees
Refinance	Acceptable	Acceptable	—	—	14	29.8%	-0.114%Below	$1,644Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume33

Mix70.2%

Spread

+0.038%Above

Fees

$3,042Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume14

Mix29.8%

Spread

-0.114%Below

Fees

$1,644Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$17 million

Pricing & Closing

Avg Rate Spread

-0.011%

vs. market APOR

Avg Net Fees

$2,596

Origination − Credits

Pullthrough Rate

85.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$373,511

Avg Borrower Income

$210,106

Avg Property Value

$593,936

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

7Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast3

NJNYPA

South4

DEFLMDNC

Top Metro Areas by Place Specialization Score

Montgomery County, PAMetro

Volume 28Mix 59.57% of portfolio

64/100

Strong

Top States by Place Specialization Score

PennsylvaniaState

Volume 38Mix 80.85% of portfolio

60/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.