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, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

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 SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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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.