MERCK EMPLOYEES FCU
MERCK EMPLOYEES FCU received 174 applications in 2025 and made 94 mortgages, in 49 counties across 19 states. The median rate its borrowers got was Not published on a median loan of $125,000. Of 136 decisions, 34 were denials — 25.0%.
| Legal Entity Identifier | 549300RKVDUINI2A8Y77 |
|---|---|
| Applications received | 174 |
| Mortgages made | 94 |
| Denied | 34 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 38 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 27 | Not published | $485,000 | 0.0% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Other purposes | 65 | Not published | $105,000 | 31.4% |
Where MERCK EMPLOYEES FCU lends most
The 49 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Union County, NJ | 20 | Not published | 4.4% |
| Middlesex County, NJ | 13 | Not published | 17.7% |
| Somerset County, NJ | 6 | Under 10 loans | 30.0% |
| Essex County, NJ | 5 | Under 10 loans | 16.7% |
| Monmouth County, NJ | 5 | Under 10 loans | 37.5% |
| Ocean County, NJ | 5 | Under 10 loans | 30.0% |
| Hunterdon County, NJ | 4 | Under 10 loans | 33.3% |
| Mercer County, NJ | 4 | Under 10 loans | 33.3% |
| Montgomery County, PA | 4 | Under 10 loans | 20.0% |
| Rockingham County, VA | 4 | Under 10 loans | 0.0% |
| Burlington County, NJ | 2 | Under 10 loans | 50.0% |
| Morris County, NJ | 2 | Under 10 loans | 50.0% |
| Passaic County, NJ | 2 | Under 10 loans | 33.3% |
| Bucks County, PA | 2 | Under 10 loans | 50.0% |
| Orange County, CA | 1 | Under 10 loans | 50.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, IN | 1 | Under 10 loans | 0.0% |
| Norfolk County, MA | 1 | Under 10 loans | 0.0% |
| Saunders County, NE | 1 | Under 10 loans | 0.0% |
| Camden County, NJ | 1 | Under 10 loans | 0.0% |
| Cape May County, NJ | 1 | Under 10 loans | 0.0% |
| Hudson County, NJ | 1 | Under 10 loans | 0.0% |
| Brunswick County, NC | 1 | Under 10 loans | 0.0% |
| Wake County, NC | 1 | Under 10 loans | 50.0% |
| Wilson County, NC | 1 | Under 10 loans | 0.0% |
| Delaware County, PA | 1 | Under 10 loans | 0.0% |
| Lehigh County, PA | 1 | Under 10 loans | 0.0% |
| Augusta County, VA | 1 | Under 10 loans | 0.0% |
| Benton County, WA | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 0 | Under 10 loans | 100.0% |
| Sussex County, DE | 0 | Under 10 loans | Not published |
| Baltimore County, MD | 0 | Under 10 loans | Not published |
| Monroe County, MI | 0 | Under 10 loans | Not published |
| Ravalli County, MT | 0 | Under 10 loans | Not published |
| Merrimack County, NH | 0 | Under 10 loans | Not published |
| Bergen County, NJ | 0 | Under 10 loans | Not published |
| Sussex County, NJ | 0 | Under 10 loans | Not published |
| Warren County, NJ | 0 | Under 10 loans | Not published |
| New York County, NY | 0 | Under 10 loans | 100.0% |
| Carteret County, NC | 0 | Under 10 loans | Not published |
| Mecklenburg County, NC | 0 | Under 10 loans | 0.0% |
| Wayne County, NC | 0 | Under 10 loans | Not published |
| Washington County, OR | 0 | Under 10 loans | 100.0% |
| Monroe County, PA | 0 | Under 10 loans | 100.0% |
| Philadelphia County, PA | 0 | Under 10 loans | Not published |
| Tarrant County, TX | 0 | Under 10 loans | 100.0% |
| Charlottesville city, VA | 0 | Under 10 loans | Not published |
| Snohomish County, WA | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.