Merck Sharp & Dohme Federal Credit Union mortgage approval rate & lending review
Merck Sharp & Dohme Federal Credit Union decided 1,159 mortgage applications and funded 1,122 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Merck Sharp & Dohme Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Merck Sharp & Dohme Federal Credit Union at a glance
Approval is 28.1 points above the 69.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 78 / 79 | 91% | $305K | 71 |
| Home improvement loans | 98% | 625 / 636 | 100% | $75K | 625 |
| Refinance | 97% | 378 / 388 | 100% | $105K | 378 |
Merck Sharp & Dohme Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 98% | $75K | 1,098 | 1,065 |
| New Jersey | 94% | $195K | 49 | 46 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Merck Sharp & Dohme Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Montgomery County, PA | Home improvement loans | 98% | 339 | 333 |
| Montgomery County, PA | Refinance | 98% | 218 | 213 |
| Bucks County, PA | Home improvement loans | 98% | 170 | 167 |
| Bucks County, PA | Refinance | 99% | 97 | 96 |
| Lehigh County, PA | Home improvement loans | 100% | 28 | 28 |
| Chester County, PA | Home improvement loans | 100% | 26 | 26 |
The county markets where Merck Sharp & Dohme Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Merck Sharp & Dohme Federal Credit Union
What is Merck Sharp & Dohme Federal Credit Union's mortgage approval rate?
Merck Sharp & Dohme Federal Credit Union approved 97.6% of the 1,159 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 28.1 points above the 69.5% national rate for the same mix of loan types.
How often do borrowers take the loan Merck Sharp & Dohme Federal Credit Union offers?
Borrowers accepted 99% of the loans Merck Sharp & Dohme Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Merck Sharp & Dohme Federal Credit Union make?
The typical home improvement loan loan Merck Sharp & Dohme Federal Credit Union made was $75K; across all loan types its typical loan ran from $75K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Merck Sharp & Dohme Federal Credit Union lend?
Merck Sharp & Dohme Federal Credit Union decided applications in 7 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and North Carolina.
Can I apply to Merck Sharp & Dohme Federal Credit Union directly?
Yes. Merck Sharp & Dohme Federal Credit Union is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Merck Sharp & Dohme Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Merck Sharp & Dohme Federal Credit Union treats applications, then get a rate quote from the lender.