Everence Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Everence Federal Credit Union 2023 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 | 368 |
| Total Mortgage Loan Application Amount | $54,560,000 |
| Average Mortgage Loan Application Amount | $155,333 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $117,166 |
| Highest Applicant Income | $1,950,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 91 | $ 12,945,000 | $ 142,000 | $ 141,000 |
| Elkhart County Indiana | 54 | $ 7,240,000 | $ 134,000 | $ 79,000 |
| Sarasota County Florida | 41 | $ 9,225,000 | $ 225,000 | $ 160,000 |
| Wayne County Ohio | 14 | $ 2,190,000 | $ 156,000 | $ 104,000 |
| Mifflin County Pennsylvania | 11 | $ 1,105,000 | $ 100,000 | $ 77,000 |
| St. Joseph County Indiana | 8 | $ 970,000 | $ 121,000 | $ 86,000 |
| Manatee County Florida | 7 | $ 1,065,000 | $ 152,000 | $ 144,000 |
| Lebanon County Pennsylvania | 7 | $ 1,125,000 | $ 160,000 | $ 106,000 |
| Philadelphia County Pennsylvania | 6 | $ 460,000 | $ 76,000 | $ 74,000 |
| Stark County Ohio | 5 | $ 545,000 | $ 109,000 | $ 62,000 |
| Holmes County Ohio | 4 | $ 370,000 | $ 92,000 | $ 48,000 |
| Bucks County Pennsylvania | 4 | $ 270,000 | $ 67,000 | $ 128,000 |
| Harrisonburg County Virginia | 4 | $ 580,000 | $ 145,000 | $ 131,000 |
| Weld County Colorado | 3 | $ 1,045,000 | $ 348,000 | $ 172,000 |
| Noble County Indiana | 3 | $ 335,000 | $ 111,000 | $ 73,000 |
| Berks County Pennsylvania | 3 | $ 325,000 | $ 108,000 | $ 142,000 |
| Montgomery County Pennsylvania | 3 | $ 155,000 | $ 51,000 | $ 69,000 |
| Alameda County California | 2 | $ 180,000 | $ 90,000 | $ 135,000 |
| Custer County Colorado | 2 | $ 730,000 | $ 365,000 | $ 108,000 |
| Denver County Colorado | 2 | $ 670,000 | $ 335,000 | $ 160,000 |
| El Paso County Colorado | 2 | $ 600,000 | $ 300,000 | $ 89,000 |
| Miami-Dade County Florida | 2 | $ 190,000 | $ 95,000 | $ 43,000 |
| Cook County Illinois | 2 | $ 420,000 | $ 210,000 | $ 119,000 |
| Lake County Indiana | 2 | $ 240,000 | $ 120,000 | $ 71,000 |
| Montgomery County Maryland | 2 | $ 260,000 | $ 130,000 | $ 101,000 |
| Harrison County Ohio | 2 | $ 360,000 | $ 180,000 | $ 52,000 |
| Tuscarawas County Ohio | 2 | $ 260,000 | $ 130,000 | $ 77,000 |
| Centre County Pennsylvania | 2 | $ 390,000 | $ 195,000 | $ 115,000 |
| Chester County Pennsylvania | 2 | $ 590,000 | $ 295,000 | $ 628,000 |
| Clinton County Pennsylvania | 2 | $ 210,000 | $ 105,000 | $ 111,000 |
| Crawford County Pennsylvania | 2 | $ 290,000 | $ 145,000 | $ 71,000 |
| Dauphin County Pennsylvania | 2 | $ 210,000 | $ 105,000 | $ 94,000 |
| York County Pennsylvania | 2 | $ 460,000 | $ 230,000 | $ 273,000 |
| Prince William County Virginia | 2 | $ 120,000 | $ 60,000 | $ 93,000 |
| Jefferson County Alabama | 1 | $ 15,000 | $ 15,000 | $ 210,000 |
| Fresno County California | 1 | $ 45,000 | $ 45,000 | $ 43,000 |
| Kings County California | 1 | $ 335,000 | $ 335,000 | $ 206,000 |
| Los Angeles County California | 1 | $ 355,000 | $ 355,000 | $ 84,000 |
| Mariposa County California | 1 | $ 105,000 | $ 105,000 | $ 132,000 |
| Shasta County California | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Ventura County California | 1 | $ 105,000 | $ 105,000 | $ 305,000 |
| Arapahoe County Colorado | 1 | $ 1,005,000 | $ 1,005,000 | $ 466,000 |
| Kent County Delaware | 1 | $ 55,000 | $ 55,000 | $ 264,000 |
| New Castle County Delaware | 1 | $ 185,000 | $ 185,000 | $ 59,000 |
| Alachua County Florida | 1 | $ 95,000 | $ 95,000 | $ 109,000 |
| Hardee County Florida | 1 | $ 35,000 | $ 35,000 | $ 23,000 |
| Hillsborough County Florida | 1 | $ 105,000 | $ 105,000 | $ 187,000 |
| Lee County Florida | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| Orange County Florida | 1 | $ 65,000 | $ 65,000 | $ 121,000 |
| Pasco County Florida | 1 | $ 35,000 | $ 35,000 | $ 66,000 |
| Volusia County Florida | 1 | $ 305,000 | $ 305,000 | $ 112,000 |
| Clayton County Georgia | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| DeKalb County Georgia | 1 | $ 55,000 | $ 55,000 | $ 27,000 |
| Fulton County Georgia | 1 | $ 55,000 | $ 55,000 | $ 115,000 |
| Gwinnett County Georgia | 1 | $ 25,000 | $ 25,000 | $ 1,950,000 |
| Madison County Illinois | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Allen County Indiana | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Kosciusko County Indiana | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| LaGrange County Indiana | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| Marshall County Indiana | 1 | $ 125,000 | $ 125,000 | $ 73,000 |
| Porter County Indiana | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Scott County Kansas | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Bossier County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 170,000 |
| Anne Arundel County Maryland | 1 | $ 25,000 | $ 25,000 | $ 128,000 |
| Howard County Maryland | 1 | $ 215,000 | $ 215,000 | $ 415,000 |
| St. Joseph County Michigan | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
| Pope County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Cape Girardeau County Missouri | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
| Jackson County Missouri | 1 | $ 35,000 | $ 35,000 | $ 89,000 |
| Camden County New Jersey | 1 | $ 135,000 | $ 135,000 | $ 3,000 |
| Cattaraugus County New York | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Montgomery County New York | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
| Wake County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 205,000 |
| Cass County North Dakota | 1 | $ 75,000 | $ 75,000 | $ 82,000 |
| Carroll County Ohio | 1 | $ 65,000 | $ 65,000 | $ 220,000 |
| Cuyahoga County Ohio | 1 | $ 45,000 | $ 45,000 | $ 51,000 |
| Fulton County Ohio | 1 | $ 155,000 | $ 155,000 | $ 71,000 |
| Hancock County Ohio | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Knox County Ohio | 1 | $ 65,000 | $ 65,000 | $ 107,000 |
| Mahoning County Ohio | 1 | $ 35,000 | $ 35,000 | $ 80,000 |
| Medina County Ohio | 1 | $ 155,000 | $ 155,000 | $ 303,000 |
| Cumberland County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 125,000 |
| Delaware County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 133,000 |
| Luzerne County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 32,000 |
| Potter County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 120,000 |
| Charleston County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 130,000 |
| Monroe County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 72,000 |
| El Paso County Texas | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Harris County Texas | 1 | $ 175,000 | $ 175,000 | $ 148,000 |
| Henry County Virginia | 1 | $ 65,000 | $ 65,000 | $ 34,000 |
| Rockingham County Virginia | 1 | $ 295,000 | $ 295,000 | $ 131,000 |
| Washington County Virginia | 1 | $ 355,000 | $ 355,000 | $ 105,000 |
| Spokane County Washington | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Everence Federal Credit Union in 2023
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 213 | $25,395,000 | $119,000 | $1,005,000 | $134,000 | $1,950,000 |
| Home Purchase | 84 | $18,590,000 | $221,000 | $795,000 | $110,000 | $688,000 |
| Refinancing | 44 | $5,740,000 | $130,000 | $405,000 | $117,000 | $335,000 |
| Cash-out Refinancing | 25 | $4,555,000 | $182,000 | $545,000 | $96,000 | $305,000 |
| Home Improvement | 1 | $105,000 | $105,000 | $105,000 | $98,000 | $98,000 |
| Not Applicable | 1 | $175,000 | $175,000 | $175,000 | $148,000 | $148,000 |
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 | 235 | $36,345,000 | $154,000 | $795,000 | $126,000 | $1,124,000 |
| Hispanic | 78 | $9,840,000 | $126,000 | $435,000 | $84,000 | $658,000 |
| Not Provided | 29 | $5,015,000 | $172,000 | $1,005,000 | $130,000 | $466,000 |
| Black or African American | 21 | $2,725,000 | $129,000 | $405,000 | $212,000 | $1,950,000 |
| Asian | 4 | $580,000 | $145,000 | $305,000 | $256,000 | $600,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $153,000 | $153,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 368 | $54,560,000 | $148,000 | $1,005,000 | $124,000 | $1,950,000 |
| 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 | 239 | $37,905,000 | $158,000 | $1,005,000 | $126,000 | $688,000 |
| Application Denied By Financial Institution | 85 | $10,605,000 | $124,000 | $455,000 | $131,000 | $1,950,000 |
| Application Withdrawn By Applicant | 38 | $5,560,000 | $146,000 | $465,000 | $106,000 | $372,000 |
| File Closed For Incompleteness | 4 | $370,000 | $92,000 | $235,000 | $40,000 | $60,000 |
| Application Approved But Not Accepted | 2 | $120,000 | $60,000 | $65,000 | $108,000 | $110,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 283 | $43,955,000 | $155,000 | $1,005,000 | $122,000 | $688,000 |
| Credit Application Incomplete | 31 | $3,745,000 | $120,000 | $455,000 | $125,000 | $1,124,000 |
| Debt-To-Income Ratio | 27 | $3,475,000 | $128,000 | $405,000 | $74,000 | $305,000 |
| Credit History | 19 | $1,715,000 | $90,000 | $305,000 | $227,000 | $1,950,000 |
| Collateral | 6 | $1,460,000 | $243,000 | $405,000 | $107,000 | $206,000 |
| Other | 2 | $210,000 | $105,000 | $175,000 | $162,000 | $177,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Everence Federal Credit Union's 2023 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.