MERCK SHARP & DOHME FEDERAL CREDIT UNION
MERCK SHARP & DOHME FEDERAL CREDIT UNION received 745 applications in 2025 and made 570 mortgages, in 33 counties across 9 states. The median rate its borrowers got was 6.500% on a median loan of $105,000. Of 634 decisions, 62 were denials — 9.8%, most often for other. 193 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300A4SPX2JOQ71791 |
|---|---|
| Applications received | 745 |
| Mortgages made | 570 |
| Denied | 62 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 111 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.45 points |
| 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 | 29 | 6.375% | $305,000 | 3.1% |
| Refinancing | 149 | 6.500% | $135,000 | 9.7% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Other purposes | 384 | 6.500% | $105,000 | 10.3% |
Where MERCK SHARP & DOHME FEDERAL CREDIT UNION lends most
The 33 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Montgomery County, PA | 297 | 6.500% | 1.3% |
| Bucks County, PA | 123 | 6.740% | 2.4% |
| Lehigh County, PA | 17 | 6.490% | 0.0% |
| Philadelphia County, PA | 17 | 6.750% | 0.0% |
| Chester County, PA | 15 | 6.750% | 6.3% |
| Berks County, PA | 8 | Under 10 loans | 0.0% |
| Delaware County, PA | 7 | Under 10 loans | 0.0% |
| Mercer County, NJ | 5 | Under 10 loans | 0.0% |
| Cape May County, NJ | 4 | Under 10 loans | 0.0% |
| Somerset County, NJ | 4 | Under 10 loans | 0.0% |
| Burlington County, NJ | 3 | Under 10 loans | 0.0% |
| Morris County, NJ | 3 | Under 10 loans | 0.0% |
| Carbon County, PA | 3 | Under 10 loans | 0.0% |
| Hunterdon County, NJ | 2 | Under 10 loans | 0.0% |
| Lancaster County, PA | 2 | Under 10 loans | 0.0% |
| Sussex County, DE | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Bergen County, NJ | 1 | Under 10 loans | 0.0% |
| Camden County, NJ | 1 | Under 10 loans | 0.0% |
| Essex County, NJ | 1 | Under 10 loans | 0.0% |
| Gloucester County, NJ | 1 | Under 10 loans | 0.0% |
| Monmouth County, NJ | 1 | Under 10 loans | 0.0% |
| Iredell County, NC | 1 | Under 10 loans | 0.0% |
| Wayne County, NC | 1 | Under 10 loans | 0.0% |
| Lackawanna County, PA | 1 | Under 10 loans | 0.0% |
| Lebanon County, PA | 1 | Under 10 loans | 0.0% |
| Northampton County, PA | 1 | Under 10 loans | 0.0% |
| Wayne County, PA | 1 | Under 10 loans | 0.0% |
| Georgetown County, SC | 1 | Under 10 loans | 0.0% |
| Greenville County, SC | 1 | Under 10 loans | 0.0% |
| Atlantic County, NJ | 0 | Under 10 loans | Not published |
| Luzerne County, PA | 0 | Under 10 loans | Not published |
| Horry County, SC | 0 | Under 10 loans | Not published |
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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.