Everwise Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Everwise Credit Union 2007 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 | Everwise Credit Union 110 S Main St South Bend, IN 46601 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 | 2,157 |
| Total Mortgage Loan Application Amount | $186,905,000 |
| Average Mortgage Loan Application Amount | $83,333 |
| Highest Mortgage Loan Application Amount | $600,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $840,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 with Everwise 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 Everwise Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2007 breaks down Everwise 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 Everwise Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Everwise 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 Everwise Credit Union's mortgage activity for 2007.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Joseph County Indiana | 562 | $ 44,340,000 | $ 78,000 | $ 61,000 |
| Marion County Indiana | 224 | $ 19,021,000 | $ 84,000 | $ 67,000 |
| Elkhart County Indiana | 208 | $ 18,065,000 | $ 86,000 | $ 64,000 |
| Marshall County Indiana | 77 | $ 5,949,000 | $ 77,000 | $ 50,000 |
| Putnam County Indiana | 75 | $ 4,853,000 | $ 64,000 | $ 60,000 |
| Kosciusko County Indiana | 73 | $ 5,646,000 | $ 77,000 | $ 56,000 |
| Montgomery County Indiana | 62 | $ 4,885,000 | $ 78,000 | $ 65,000 |
| Hamilton County Indiana | 61 | $ 6,721,000 | $ 110,000 | $ 83,000 |
| Cass County Michigan | 54 | $ 7,162,000 | $ 132,000 | $ 77,000 |
| Hendricks County Indiana | 46 | $ 3,802,000 | $ 82,000 | $ 77,000 |
| Berrien County Michigan | 42 | $ 3,806,000 | $ 90,000 | $ 65,000 |
| Starke County Indiana | 39 | $ 3,161,000 | $ 81,000 | $ 51,000 |
| Huntington County Indiana | 33 | $ 1,984,000 | $ 60,000 | $ 41,000 |
| Johnson County Indiana | 31 | $ 2,239,000 | $ 72,000 | $ 75,000 |
| Fulton County Indiana | 26 | $ 1,548,000 | $ 59,000 | $ 50,000 |
| Porter County Indiana | 26 | $ 2,589,000 | $ 99,000 | $ 84,000 |
| LaPorte County Indiana | 16 | $ 1,195,000 | $ 74,000 | $ 71,000 |
| Clay County Indiana | 14 | $ 709,000 | $ 50,000 | $ 50,000 |
| Hancock County Indiana | 11 | $ 862,000 | $ 78,000 | $ 63,000 |
| Boone County Indiana | 10 | $ 1,311,000 | $ 131,000 | $ 59,000 |
| Fountain County Indiana | 10 | $ 325,000 | $ 32,000 | $ 66,000 |
| Madison County Indiana | 7 | $ 482,000 | $ 68,000 | $ 47,000 |
| Shelby County Indiana | 7 | $ 488,000 | $ 69,000 | $ 67,000 |
| Morgan County Indiana | 5 | $ 627,000 | $ 125,000 | $ 73,000 |
| Owen County Indiana | 5 | $ 329,000 | $ 65,000 | $ 54,000 |
| Parke County Indiana | 5 | $ 531,000 | $ 106,000 | $ 72,000 |
| Allen County Indiana | 4 | $ 201,000 | $ 50,000 | $ 62,000 |
| Tippecanoe County Indiana | 3 | $ 306,000 | $ 102,000 | $ 136,000 |
| Wabash County Indiana | 3 | $ 135,000 | $ 45,000 | $ 57,000 |
| Clinton County Indiana | 2 | $ 44,000 | $ 22,000 | $ 99,000 |
| DeKalb County Indiana | 2 | $ 140,000 | $ 70,000 | $ 77,000 |
| Delaware County Indiana | 2 | $ 345,000 | $ 172,000 | $ 95,000 |
| Henry County Indiana | 2 | $ 188,000 | $ 94,000 | $ 59,000 |
| LaGrange County Indiana | 2 | $ 97,000 | $ 48,000 | $ 40,000 |
| Lake County Indiana | 2 | $ 686,000 | $ 343,000 | $ 154,000 |
| Miami County Indiana | 2 | $ 101,000 | $ 50,000 | $ 33,000 |
| Pulaski County Indiana | 2 | $ 241,000 | $ 120,000 | $ 43,000 |
| Vigo County Indiana | 2 | $ 143,000 | $ 71,000 | $ 63,000 |
| Whitley County Indiana | 2 | $ 52,000 | $ 26,000 | $ 67,000 |
| Kent County Michigan | 2 | $ 326,000 | $ 163,000 | $ 87,000 |
| Lake County Michigan | 2 | $ 271,000 | $ 135,000 | $ 105,000 |
| Franklin County Ohio | 2 | $ 254,000 | $ 127,000 | $ 80,000 |
| Larimer County Colorado | 1 | $ 312,000 | $ 312,000 | $ 86,000 |
| Lee County Florida | 1 | $ 100,000 | $ 100,000 | $ 56,000 |
| Marion County Florida | 1 | $ 84,000 | $ 84,000 | $ 102,000 |
| Coles County Illinois | 1 | $ 116,000 | $ 116,000 | $ 60,000 |
| Cook County Illinois | 1 | $ 113,000 | $ 113,000 | $ 53,000 |
| Brown County Indiana | 1 | $ 140,000 | $ 140,000 | $ 51,000 |
| Carroll County Indiana | 1 | $ 48,000 | $ 48,000 | $ 127,000 |
| Grant County Indiana | 1 | $ 52,000 | $ 52,000 | $ 45,000 |
| Jasper County Indiana | 1 | $ 84,000 | $ 84,000 | $ 56,000 |
| Knox County Indiana | 1 | $ 50,000 | $ 50,000 | $ 62,000 |
| Steuben County Indiana | 1 | $ 96,000 | $ 96,000 | $ 83,000 |
| Tipton County Indiana | 1 | $ 35,000 | $ 35,000 | $ 55,000 |
| Wells County Indiana | 1 | $ 74,000 | $ 74,000 | $ 35,000 |
| Lenawee County Michigan | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| St. Joseph County Michigan | 1 | $ 198,000 | $ 198,000 | $ 50,000 |
| Adair County Missouri | 1 | $ 57,000 | $ 57,000 | $ 200,000 |
| Cuyahoga County Ohio | 1 | $ 10,000 | $ 10,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Everwise Credit Union in 2007
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 | 930 | $100,027,000 | $107,000 | $600,000 | $60,000 | $343,000 |
| Home Improvement | 638 | $26,425,000 | $41,000 | $336,000 | $67,000 | $840,000 |
| Refinancing | 589 | $60,453,000 | $102,000 | $485,000 | $59,000 | $343,000 |
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 | 1,762 | $155,876,000 | $88,000 | $600,000 | $62,000 | $840,000 |
| Not Provided | 221 | $15,954,000 | $72,000 | $380,000 | $63,000 | $420,000 |
| Black or African American | 120 | $10,276,000 | $85,000 | $360,000 | $62,000 | $283,000 |
| Hispanic | 29 | $2,573,000 | $88,000 | $235,000 | $54,000 | $99,000 |
| Asian | 17 | $1,423,000 | $83,000 | $186,000 | $52,000 | $88,000 |
| American Indian or Alaskan Native | 4 | $357,000 | $89,000 | $139,000 | $60,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $446,000 | $111,000 | $146,000 | $47,000 | $53,000 |
| 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) | 2,157 | $186,905,000 | $86,000 | $600,000 | $62,000 | $840,000 |
| 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 | 1,288 | $105,483,000 | $81,000 | $600,000 | $65,000 | $840,000 |
| Application Denied By Financial Institution | 274 | $19,696,000 | $71,000 | $390,000 | $56,000 | $420,000 |
| Preapproval Approved but not Accepted | 180 | $20,599,000 | $114,000 | $320,000 | $59,000 | $170,000 |
| Application Withdrawn By Applicant | 157 | $17,834,000 | $113,000 | $400,000 | $62,000 | $260,000 |
| Application Approved But Not Accepted | 140 | $11,400,000 | $81,000 | $320,000 | $57,000 | $175,000 |
| Preapproval Denied by Financial Institution | 97 | $9,598,000 | $98,000 | $232,000 | $42,000 | $112,000 |
| File Closed For Incompleteness | 21 | $2,295,000 | $109,000 | $355,000 | $66,000 | $201,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 55 | $1,824,000 | $33,000 | $110,000 | $66,000 | $420,000 |
| Other | 36 | $1,688,000 | $46,000 | $135,000 | $53,000 | $240,000 |
| Debt-To-Income Ratio | 30 | $911,000 | $30,000 | $154,000 | $62,000 | $283,000 |
| Unverifiable Information | 11 | $512,000 | $46,000 | $96,000 | $58,000 | $132,000 |
| Collateral | 3 | $56,000 | $18,000 | $23,000 | $46,000 | $82,000 |
| Credit Application Incomplete | 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 Everwise Credit Union's 2007 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 Everwise 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 Indiana, download the full spreadsheet
with aggregated HMDA statistics today.