Everence Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Everence Federal Credit Union 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Everence Federal Credit Union 2160 Lincoln Hwy E, Ste 20 Lancaster, PA 17602 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 315 |
| Total Mortgage Loan Application Amount | $45,585,000 |
| Average Mortgage Loan Application Amount | $126,500 |
| Highest Mortgage Loan Application Amount | $625,000 |
| Average Applicant Income | $127,250 |
| Highest Applicant Income | $7,218,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Everence Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Everence Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Everence Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Everence Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Everence Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Everence Federal Credit Union's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lancaster County Pennsylvania | 68 | $ 9,670,000 | $ 142,000 | $ 112,000 |
| Elkhart County Indiana | 49 | $ 6,125,000 | $ 125,000 | $ 74,000 |
| Mifflin County Pennsylvania | 21 | $ 2,175,000 | $ 103,000 | $ 61,000 |
| Sarasota County Florida | 18 | $ 3,290,000 | $ 182,000 | $ 112,000 |
| Wayne County Ohio | 17 | $ 2,065,000 | $ 121,000 | $ 73,000 |
| Berks County Pennsylvania | 8 | $ 1,460,000 | $ 182,000 | $ 105,000 |
| Manatee County Florida | 7 | $ 1,595,000 | $ 227,000 | $ 154,000 |
| St. Joseph County Indiana | 6 | $ 800,000 | $ 133,000 | $ 70,000 |
| Lebanon County Pennsylvania | 6 | $ 570,000 | $ 95,000 | $ 84,000 |
| Stark County Ohio | 4 | $ 780,000 | $ 195,000 | $ 105,000 |
| Philadelphia County Pennsylvania | 4 | $ 470,000 | $ 117,000 | $ 86,000 |
| Harrisonburg County Virginia | 4 | $ 770,000 | $ 192,000 | $ 67,000 |
| Bucks County Pennsylvania | 3 | $ 215,000 | $ 71,000 | $ 71,000 |
| Cumberland County Pennsylvania | 3 | $ 465,000 | $ 155,000 | $ 84,000 |
| Montgomery County Pennsylvania | 3 | $ 555,000 | $ 185,000 | $ 129,000 |
| Westmoreland County Pennsylvania | 3 | $ 235,000 | $ 78,000 | $ 65,000 |
| Custer County Colorado | 2 | $ 560,000 | $ 280,000 | $ 152,000 |
| Cook County Illinois | 2 | $ 320,000 | $ 160,000 | $ 10,000 |
| Kosciusko County Indiana | 2 | $ 170,000 | $ 85,000 | $ 79,000 |
| Fulton County Ohio | 2 | $ 360,000 | $ 180,000 | $ 89,000 |
| Holmes County Ohio | 2 | $ 240,000 | $ 120,000 | $ 65,000 |
| Medina County Ohio | 2 | $ 430,000 | $ 215,000 | $ 92,000 |
| Alfalfa County Oklahoma | 2 | $ 190,000 | $ 95,000 | $ 65,000 |
| Mobile County Alabama | 1 | $ 115,000 | $ 115,000 | $ 27,000 |
| Russell County Alabama | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Pope County Arkansas | 1 | $ 255,000 | $ 255,000 | $ 78,000 |
| Yell County Arkansas | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
| Los Angeles County California | 1 | $ 255,000 | $ 255,000 | $ 600,000 |
| Denver County Colorado | 1 | $ 255,000 | $ 255,000 | $ 35,000 |
| Larimer County Colorado | 1 | $ 325,000 | $ 325,000 | $ 142,000 |
| Kent County Delaware | 1 | $ 75,000 | $ 75,000 | $ 361,000 |
| Sussex County Delaware | 1 | $ 125,000 | $ 125,000 | $ 99,000 |
| Lee County Florida | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Jefferson County Georgia | 1 | $ 95,000 | $ 95,000 | $ 72,000 |
| DuPage County Illinois | 1 | $ 85,000 | $ 85,000 | $ 109,000 |
| Will County Illinois | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Marshall County Indiana | 1 | $ 115,000 | $ 115,000 | $ 54,000 |
| Orange County Indiana | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Harvey County Kansas | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Wyandotte County Kansas | 1 | $ 95,000 | $ 95,000 | $ 113,000 |
| Baltimore City County Maryland | 1 | $ 105,000 | $ 105,000 | $ 107,000 |
| Howard County Maryland | 1 | $ 625,000 | $ 625,000 | $ 558,000 |
| Berrien County Michigan | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Boone County Missouri | 1 | $ 75,000 | $ 75,000 | $ 74,000 |
| Camden County New Jersey | 1 | $ 95,000 | $ 95,000 | $ 68,000 |
| Essex County New Jersey | 1 | $ 65,000 | $ 65,000 | $ 138,000 |
| Gloucester County New Jersey | 1 | $ 485,000 | $ 485,000 | $ 98,000 |
| Middlesex County New Jersey | 1 | $ 205,000 | $ 205,000 | $ 26,000 |
| Ocean County New Jersey | 1 | $ 115,000 | $ 115,000 | $ 92,000 |
| Lea County New Mexico | 1 | $ 175,000 | $ 175,000 | $ 72,000 |
| Bronx County New York | 1 | $ 265,000 | $ 265,000 | $ 42,000 |
| Buncombe County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 105,000 |
| Durham County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 351,000 |
| Allen County Ohio | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| Ashtabula County Ohio | 1 | $ 75,000 | $ 75,000 | $ 17,000 |
| Champaign County Ohio | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| Columbiana County Ohio | 1 | $ 85,000 | $ 85,000 | $ 28,000 |
| Guernsey County Ohio | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Madison County Ohio | 1 | $ 35,000 | $ 35,000 | $ 101,000 |
| Miami County Ohio | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Trumbull County Ohio | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| Tulsa County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 132,000 |
| Wagoner County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 104,000 |
| Clackamas County Oregon | 1 | $ 75,000 | $ 75,000 | $ 121,000 |
| Allegheny County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 110,000 |
| Centre County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 26,000 |
| Fayette County Pennsylvania | 1 | $ 345,000 | $ 345,000 | $ 144,000 |
| Huntingdon County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 126,000 |
| Juniata County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| Lycoming County Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 114,000 |
| McKean County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 31,000 |
| Snyder County Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 141,000 |
| York County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Abbeville County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 179,000 |
| Anderson County Texas | 1 | $ 15,000 | $ 15,000 | $ 44,000 |
| Fluvanna County Virginia | 1 | $ 275,000 | $ 275,000 | $ 72,000 |
| Newport News County Virginia | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Rockingham County Virginia | 1 | $ 425,000 | $ 425,000 | $ 180,000 |
| Milwaukee County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 223,000 |
| Platte County Wyoming | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Everence Federal Credit Union in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 121 | $20,705,000 | $171,000 | $625,000 | $84,000 | $558,000 |
| Cash-out Refinancing | 95 | $15,635,000 | $164,000 | $545,000 | $116,000 | $718,000 |
| Refinancing | 60 | $7,190,000 | $119,000 | $325,000 | $205,000 | $7,218,000 |
| Other Purpose | 39 | $2,055,000 | $52,000 | $225,000 | $104,000 | $361,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 207 | $31,405,000 | $151,000 | $625,000 | $102,000 | $600,000 |
| Hispanic | 54 | $7,010,000 | $129,000 | $275,000 | $202,000 | $7,218,000 |
| Not Provided | 43 | $5,115,000 | $118,000 | $335,000 | $105,000 | $718,000 |
| Black or African American | 8 | $1,290,000 | $161,000 | $285,000 | $106,000 | $251,000 |
| American Indian or Alaskan Native | 1 | $255,000 | $255,000 | $255,000 | $114,000 | $114,000 |
| Asian | 1 | $305,000 | $305,000 | $305,000 | $114,000 | $114,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 315 | $45,585,000 | $144,000 | $625,000 | $120,000 | $7,218,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 180 | $24,480,000 | $136,000 | $545,000 | $98,000 | $718,000 |
| File Closed For Incompleteness | 42 | $6,560,000 | $156,000 | $485,000 | $80,000 | $180,000 |
| Application Denied By Financial Institution | 35 | $5,665,000 | $161,000 | $625,000 | $287,000 | $7,218,000 |
| Application Withdrawn By Applicant | 29 | $5,025,000 | $173,000 | $505,000 | $110,000 | $347,000 |
| Loan Purchased By The Institution | 18 | $2,430,000 | $135,000 | $275,000 | $0 | $0 |
| Application Approved But Not Accepted | 6 | $800,000 | $133,000 | $255,000 | $157,000 | $600,000 |
| Preapproval Approved but not Accepted | 5 | $625,000 | $125,000 | $185,000 | $101,000 | $252,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 280 | $39,920,000 | $142,000 | $545,000 | $98,000 | $718,000 |
| Credit History | 16 | $2,060,000 | $128,000 | $255,000 | $548,000 | $7,218,000 |
| Debt-To-Income Ratio | 9 | $1,975,000 | $219,000 | $335,000 | $40,000 | $52,000 |
| Other | 4 | $870,000 | $217,000 | $625,000 | $193,000 | $558,000 |
| Collateral | 3 | $325,000 | $108,000 | $115,000 | $82,000 | $130,000 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $10,000 | $10,000 |
| Employment History | 1 | $135,000 | $135,000 | $135,000 | $89,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $185,000 | $185,000 | $185,000 | $76,000 | $76,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Everence Federal Credit Union's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Everence Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.