# MERCK SHARP & DOHME FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/merck-sharp-dohme-federal-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

MERCK SHARP & DOHME FEDERAL CREDIT UNION is a credit union, headquartered in Chalfont, PA, serving borrowers across 7 states, with 47 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 53% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300A4SPX2JOQ71791
- **Headquarters:** Chalfont, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** DE, FL, MD, NC, NJ, NY, PA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.011%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,596
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 47
- **Dollar Volume:** $18 million
- **Applications Received:** 55
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $373,511
- **Average Borrower Income:** $210,106

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 24/100 | 45 | +0.002% | $2,575 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 31 loans, Score: 22/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 24/100 | 33 | $14M | +0.038% | Acceptable 🙂 |
| Refinance | 29/100 | 14 | $3M | -0.114% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 38 | 0.03% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Montgomery County | PA | 28 | 64/100 |

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 47/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.011% below market average.

### What type of lender is MERCK SHARP & DOHME FEDERAL CREDIT UNION?

MERCK SHARP & DOHME FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Chalfont, PA.

### What is MERCK SHARP & DOHME FEDERAL CREDIT UNION's loan approval success rate?

MERCK SHARP & DOHME FEDERAL CREDIT UNION has a pull-through score of 44/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/merck-sharp-dohme-federal-credit-union

### How to Cite

> "MERCK SHARP & DOHME FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/merck-sharp-dohme-federal-credit-union

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