Everwise Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Everwise Credit Union 2022 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 | 5,324 |
| Total Mortgage Loan Application Amount | $730,600,000 |
| Average Mortgage Loan Application Amount | $121,200 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| Average Applicant Income | $91,400 |
| Highest Applicant Income | $3,822,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 1,161 | $ 123,785,000 | $ 106,000 | $ 88,000 |
| Marion County Indiana | 665 | $ 68,515,000 | $ 103,000 | $ 84,000 |
| Allen County Indiana | 484 | $ 87,620,000 | $ 181,000 | $ 94,000 |
| Elkhart County Indiana | 385 | $ 48,405,000 | $ 125,000 | $ 89,000 |
| Lake County Indiana | 267 | $ 36,275,000 | $ 135,000 | $ 103,000 |
| Hamilton County Indiana | 241 | $ 65,225,000 | $ 270,000 | $ 174,000 |
| Porter County Indiana | 205 | $ 34,255,000 | $ 167,000 | $ 124,000 |
| Marshall County Indiana | 185 | $ 16,665,000 | $ 90,000 | $ 77,000 |
| Hendricks County Indiana | 148 | $ 18,470,000 | $ 124,000 | $ 138,000 |
| Kosciusko County Indiana | 132 | $ 15,480,000 | $ 117,000 | $ 79,000 |
| Berrien County Michigan | 122 | $ 15,580,000 | $ 127,000 | $ 93,000 |
| Cass County Michigan | 117 | $ 15,345,000 | $ 131,000 | $ 103,000 |
| Putnam County Indiana | 92 | $ 8,840,000 | $ 96,000 | $ 85,000 |
| Montgomery County Indiana | 91 | $ 7,585,000 | $ 83,000 | $ 76,000 |
| Johnson County Indiana | 90 | $ 12,200,000 | $ 135,000 | $ 148,000 |
| Huntington County Indiana | 82 | $ 9,110,000 | $ 111,000 | $ 72,000 |
| Starke County Indiana | 62 | $ 5,240,000 | $ 84,000 | $ 64,000 |
| Hancock County Indiana | 56 | $ 9,740,000 | $ 173,000 | $ 113,000 |
| LaPorte County Indiana | 54 | $ 5,940,000 | $ 110,000 | $ 78,000 |
| Fulton County Indiana | 46 | $ 3,240,000 | $ 70,000 | $ 56,000 |
| Boone County Indiana | 45 | $ 29,865,000 | $ 663,000 | $ 328,000 |
| Madison County Indiana | 38 | $ 4,640,000 | $ 122,000 | $ 90,000 |
| Morgan County Indiana | 38 | $ 5,690,000 | $ 149,000 | $ 102,000 |
| Whitley County Indiana | 38 | $ 7,190,000 | $ 189,000 | $ 90,000 |
| Noble County Indiana | 32 | $ 3,930,000 | $ 122,000 | $ 91,000 |
| DeKalb County Indiana | 30 | $ 5,250,000 | $ 175,000 | $ 73,000 |
| Wells County Indiana | 22 | $ 3,430,000 | $ 155,000 | $ 80,000 |
| Floyd County Indiana | 19 | $ 1,025,000 | $ 53,000 | $ 73,000 |
| Vigo County Indiana | 18 | $ 1,350,000 | $ 75,000 | $ 81,000 |
| Shelby County Indiana | 17 | $ 2,245,000 | $ 132,000 | $ 97,000 |
| Steuben County Indiana | 16 | $ 5,140,000 | $ 321,000 | $ 112,000 |
| Howard County Indiana | 15 | $ 3,405,000 | $ 227,000 | $ 131,000 |
| Delaware County Indiana | 14 | $ 1,940,000 | $ 138,000 | $ 106,000 |
| Clark County Indiana | 12 | $ 1,180,000 | $ 98,000 | $ 60,000 |
| Adams County Indiana | 11 | $ 1,485,000 | $ 135,000 | $ 72,000 |
| Clay County Indiana | 11 | $ 1,165,000 | $ 105,000 | $ 62,000 |
| Grant County Indiana | 10 | $ 840,000 | $ 84,000 | $ 47,000 |
| Wabash County Indiana | 10 | $ 860,000 | $ 86,000 | $ 54,000 |
| Henry County Indiana | 8 | $ 470,000 | $ 58,000 | $ 72,000 |
| LaGrange County Indiana | 8 | $ 1,610,000 | $ 201,000 | $ 101,000 |
| Owen County Indiana | 8 | $ 530,000 | $ 66,000 | $ 66,000 |
| Tippecanoe County Indiana | 8 | $ 1,380,000 | $ 172,000 | $ 114,000 |
| Fountain County Indiana | 7 | $ 645,000 | $ 92,000 | $ 75,000 |
| Jasper County Indiana | 7 | $ 1,035,000 | $ 147,000 | $ 103,000 |
| Van Buren County Michigan | 7 | $ 775,000 | $ 110,000 | $ 68,000 |
| Bartholomew County Indiana | 6 | $ 600,000 | $ 100,000 | $ 82,000 |
| Miami County Indiana | 6 | $ 430,000 | $ 71,000 | $ 79,000 |
| Monroe County Indiana | 6 | $ 1,040,000 | $ 173,000 | $ 86,000 |
| Warren County Indiana | 6 | $ 610,000 | $ 101,000 | $ 74,000 |
| Brown County Indiana | 5 | $ 745,000 | $ 149,000 | $ 91,000 |
| Washington County Indiana | 5 | $ 345,000 | $ 69,000 | $ 63,000 |
| St. Joseph County Michigan | 5 | $ 1,055,000 | $ 211,000 | $ 106,000 |
| Hillsborough County Florida | 4 | $ 1,020,000 | $ 255,000 | $ 182,000 |
| Greene County Indiana | 4 | $ 310,000 | $ 77,000 | $ 80,000 |
| Harrison County Indiana | 4 | $ 290,000 | $ 72,000 | $ 72,000 |
| Parke County Indiana | 4 | $ 400,000 | $ 100,000 | $ 55,000 |
| Pulaski County Indiana | 4 | $ 350,000 | $ 87,000 | $ 46,000 |
| Branch County Michigan | 4 | $ 800,000 | $ 200,000 | $ 202,000 |
| Kalamazoo County Michigan | 4 | $ 130,000 | $ 32,000 | $ 101,000 |
| Maricopa County Arizona | 3 | $ 1,985,000 | $ 661,000 | $ 301,000 |
| Clinton County Indiana | 3 | $ 295,000 | $ 98,000 | $ 66,000 |
| Crawford County Indiana | 3 | $ 225,000 | $ 75,000 | $ 100,000 |
| Tipton County Indiana | 3 | $ 65,000 | $ 21,000 | $ 70,000 |
| Brevard County Florida | 2 | $ 280,000 | $ 140,000 | $ 60,000 |
| Collier County Florida | 2 | $ 3,620,000 | $ 1,810,000 | $ 442,000 |
| Pinellas County Florida | 2 | $ 160,000 | $ 80,000 | $ 87,000 |
| Cook County Illinois | 2 | $ 410,000 | $ 205,000 | $ 141,000 |
| Crawford County Illinois | 2 | $ 150,000 | $ 75,000 | $ 70,000 |
| Massac County Illinois | 2 | $ 290,000 | $ 145,000 | $ 135,000 |
| Will County Illinois | 2 | $ 530,000 | $ 265,000 | $ 120,000 |
| Daviess County Indiana | 2 | $ 50,000 | $ 25,000 | $ 44,000 |
| Franklin County Indiana | 2 | $ 200,000 | $ 100,000 | $ 75,000 |
| Jay County Indiana | 2 | $ 330,000 | $ 165,000 | $ 100,000 |
| Jefferson County Indiana | 2 | $ 60,000 | $ 30,000 | $ 131,000 |
| Orange County Indiana | 2 | $ 860,000 | $ 430,000 | $ 159,000 |
| Randolph County Indiana | 2 | $ 160,000 | $ 80,000 | $ 40,000 |
| Rush County Indiana | 2 | $ 60,000 | $ 30,000 | $ 65,000 |
| Scott County Indiana | 2 | $ 110,000 | $ 55,000 | $ 93,000 |
| Sullivan County Indiana | 2 | $ 240,000 | $ 120,000 | $ 132,000 |
| Vanderburgh County Indiana | 2 | $ 160,000 | $ 80,000 | $ 306,000 |
| Wayne County Indiana | 2 | $ 150,000 | $ 75,000 | $ 205,000 |
| White County Indiana | 2 | $ 220,000 | $ 110,000 | $ 33,000 |
| Allegan County Michigan | 2 | $ 870,000 | $ 435,000 | $ 185,000 |
| Hillsdale County Michigan | 2 | $ 330,000 | $ 165,000 | $ 115,000 |
| Clark County Nevada | 2 | $ 730,000 | $ 365,000 | $ 195,000 |
| Logan County Ohio | 2 | $ 170,000 | $ 85,000 | $ 103,000 |
| Mayes County Oklahoma | 2 | $ 180,000 | $ 90,000 | $ 60,000 |
| Tulsa County Oklahoma | 2 | $ 360,000 | $ 180,000 | $ 91,000 |
| Harris County Texas | 2 | $ 550,000 | $ 275,000 | $ 83,000 |
| Arapahoe County Colorado | 1 | $ 365,000 | $ 365,000 | $ 74,000 |
| Flagler County Florida | 1 | $ 275,000 | $ 275,000 | $ 66,000 |
| Indian River County Florida | 1 | $ 255,000 | $ 255,000 | $ 58,000 |
| Lee County Florida | 1 | $ 525,000 | $ 525,000 | $ 800,000 |
| Osceola County Florida | 1 | $ 145,000 | $ 145,000 | $ 264,000 |
| Polk County Florida | 1 | $ 375,000 | $ 375,000 | $ 92,000 |
| Sarasota County Florida | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Sumter County Florida | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| DeKalb County Georgia | 1 | $ 505,000 | $ 505,000 | $ 48,000 |
| Gilmer County Georgia | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| Lake County Illinois | 1 | $ 745,000 | $ 745,000 | $ 321,000 |
| Benton County Indiana | 1 | $ 65,000 | $ 65,000 | $ 122,000 |
| Blackford County Indiana | 1 | $ 165,000 | $ 165,000 | $ 67,000 |
| Carroll County Indiana | 1 | $ 205,000 | $ 205,000 | $ 72,000 |
| Cass County Indiana | 1 | $ 55,000 | $ 55,000 | $ 104,000 |
| Decatur County Indiana | 1 | $ 35,000 | $ 35,000 | $ 56,000 |
| Fayette County Indiana | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Jennings County Indiana | 1 | $ 35,000 | $ 35,000 | $ 53,000 |
| Knox County Indiana | 1 | $ 275,000 | $ 275,000 | $ 136,000 |
| Lawrence County Indiana | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Martin County Indiana | 1 | $ 215,000 | $ 215,000 | $ 62,000 |
| Newton County Indiana | 1 | $ 335,000 | $ 335,000 | $ 83,000 |
| Ripley County Indiana | 1 | $ 245,000 | $ 245,000 | $ 51,000 |
| Clinton County Iowa | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| Clinton County Kentucky | 1 | $ 475,000 | $ 475,000 | $ 247,000 |
| Henderson County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Jefferson County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| Calhoun County Michigan | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Cheboygan County Michigan | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Eaton County Michigan | 1 | $ 225,000 | $ 225,000 | $ 67,000 |
| Kent County Michigan | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| Lapeer County Michigan | 1 | $ 25,000 | $ 25,000 | $ 118,000 |
| Livingston County Michigan | 1 | $ 365,000 | $ 365,000 | $ 167,000 |
| Manistee County Michigan | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
| Muskegon County Michigan | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Oceana County Michigan | 1 | $ 495,000 | $ 495,000 | $ 247,000 |
| Roscommon County Michigan | 1 | $ 165,000 | $ 165,000 | $ 103,000 |
| Saginaw County Michigan | 1 | $ 65,000 | $ 65,000 | $ 178,000 |
| Wayne County Michigan | 1 | $ 25,000 | $ 25,000 | $ 29,000 |
| Christian County Missouri | 1 | $ 155,000 | $ 155,000 | $ 37,000 |
| Burke County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 96,000 |
| Carteret County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 413,000 |
| Fulton County Ohio | 1 | $ 345,000 | $ 345,000 | $ 164,000 |
| Lorain County Ohio | 1 | $ 35,000 | $ 35,000 | $ 65,000 |
| Paulding County Ohio | 1 | $ 175,000 | $ 175,000 | $ 103,000 |
| Jasper County South Carolina | 1 | $ 505,000 | $ 505,000 | $ 124,000 |
| Loudon County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 24,000 |
| Fort Bend County Texas | 1 | $ 825,000 | $ 825,000 | $ 348,000 |
| Virginia Beach County Virginia | 1 | $ 175,000 | $ 175,000 | $ 225,000 |
Mortgage Loan Application Detail Totals for Everwise Credit Union in 2022
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 | 1,826 | $442,040,000 | $242,000 | $5,005,000 | $113,000 | $3,145,000 |
| Other Purpose | 1,599 | $91,455,000 | $57,000 | $255,000 | $91,000 | $1,035,000 |
| Cash-out Refinancing | 1,529 | $158,385,000 | $103,000 | $1,605,000 | $92,000 | $3,822,000 |
| Refinancing | 201 | $26,005,000 | $129,000 | $805,000 | $72,000 | $617,000 |
| Home Improvement | 169 | $12,715,000 | $75,000 | $305,000 | $89,000 | $245,000 |
| 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 | 4,131 | $570,175,000 | $138,000 | $5,005,000 | $100,000 | $3,822,000 |
| Black or African American | 436 | $52,310,000 | $119,000 | $2,905,000 | $82,000 | $673,000 |
| Not Provided | 412 | $52,840,000 | $128,000 | $825,000 | $104,000 | $1,295,000 |
| Hispanic | 208 | $26,210,000 | $126,000 | $755,000 | $81,000 | $437,000 |
| Asian | 66 | $19,500,000 | $295,000 | $4,005,000 | $130,000 | $588,000 |
| American Indian or Alaskan Native | 25 | $2,175,000 | $87,000 | $195,000 | $66,000 | $184,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $150,000 | $37,000 | $65,000 | $75,000 | $110,000 |
| Not applicable | 1 | $75,000 | $75,000 | $75,000 | $42,000 | $42,000 |
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) | 5,262 | $715,760,000 | $136,000 | $5,005,000 | $99,000 | $3,822,000 |
| FHA-insured (Federal Housing Administration) | 45 | $10,035,000 | $223,000 | $505,000 | $78,000 | $255,000 |
| VA-guaranteed (Veterans Administration) | 17 | $4,805,000 | $282,000 | $535,000 | $89,000 | $254,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 3,758 | $524,470,000 | $139,000 | $5,005,000 | $99,000 | $3,145,000 |
| Application Denied By Financial Institution | 737 | $72,925,000 | $98,000 | $4,005,000 | $84,000 | $3,822,000 |
| Application Withdrawn By Applicant | 565 | $95,455,000 | $168,000 | $3,315,000 | $110,000 | $2,030,000 |
| Application Approved But Not Accepted | 199 | $26,975,000 | $135,000 | $755,000 | $105,000 | $1,035,000 |
| File Closed For Incompleteness | 65 | $10,775,000 | $165,000 | $645,000 | $136,000 | $1,295,000 |
| 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 | 4,587 | $657,675,000 | $143,000 | $5,005,000 | $101,000 | $3,145,000 |
| Debt-To-Income Ratio | 199 | $25,325,000 | $127,000 | $4,005,000 | $46,000 | $397,000 |
| Credit History | 193 | $16,365,000 | $84,000 | $475,000 | $99,000 | $3,822,000 |
| Collateral | 178 | $12,550,000 | $70,000 | $475,000 | $89,000 | $1,040,000 |
| Credit Application Incomplete | 122 | $11,740,000 | $96,000 | $645,000 | $103,000 | $1,295,000 |
| Employment History | 19 | $1,785,000 | $93,000 | $285,000 | $56,000 | $260,000 |
| Other | 11 | $1,425,000 | $129,000 | $305,000 | $141,000 | $676,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,490,000 | $186,000 | $485,000 | $69,000 | $106,000 |
| Unverifiable Information | 7 | $2,245,000 | $320,000 | $1,505,000 | $217,000 | $1,005,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Everwise Credit Union's 2022 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.
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with aggregated HMDA statistics today.