Everwise Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Everwise 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 | 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 | 3,910 |
| Total Mortgage Loan Application Amount | $474,090,000 |
| Average Mortgage Loan Application Amount | $121,800 |
| Highest Mortgage Loan Application Amount | $6,675,000 |
| Average Applicant Income | $93,200 |
| Highest Applicant Income | $2,025,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 857 | $ 92,685,000 | $ 108,000 | $ 88,000 |
| Marion County Indiana | 537 | $ 57,335,000 | $ 106,000 | $ 87,000 |
| Elkhart County Indiana | 348 | $ 37,320,000 | $ 107,000 | $ 85,000 |
| Allen County Indiana | 297 | $ 56,205,000 | $ 189,000 | $ 106,000 |
| Hamilton County Indiana | 187 | $ 37,125,000 | $ 198,000 | $ 168,000 |
| Kosciusko County Indiana | 163 | $ 18,685,000 | $ 114,000 | $ 87,000 |
| Marshall County Indiana | 122 | $ 11,540,000 | $ 94,000 | $ 87,000 |
| Lake County Indiana | 116 | $ 12,440,000 | $ 107,000 | $ 86,000 |
| Putnam County Indiana | 93 | $ 8,155,000 | $ 87,000 | $ 75,000 |
| Porter County Indiana | 88 | $ 9,410,000 | $ 106,000 | $ 107,000 |
| Berrien County Michigan | 87 | $ 10,725,000 | $ 123,000 | $ 95,000 |
| Hendricks County Indiana | 79 | $ 7,015,000 | $ 88,000 | $ 121,000 |
| Johnson County Indiana | 79 | $ 5,635,000 | $ 71,000 | $ 79,000 |
| Cass County Michigan | 65 | $ 7,155,000 | $ 110,000 | $ 87,000 |
| Montgomery County Indiana | 64 | $ 5,310,000 | $ 82,000 | $ 87,000 |
| Huntington County Indiana | 59 | $ 6,735,000 | $ 114,000 | $ 75,000 |
| Hancock County Indiana | 54 | $ 4,690,000 | $ 86,000 | $ 96,000 |
| LaPorte County Indiana | 52 | $ 5,640,000 | $ 108,000 | $ 79,000 |
| Fulton County Indiana | 35 | $ 2,565,000 | $ 73,000 | $ 57,000 |
| Starke County Indiana | 33 | $ 2,695,000 | $ 81,000 | $ 65,000 |
| Madison County Indiana | 29 | $ 3,275,000 | $ 112,000 | $ 94,000 |
| Morgan County Indiana | 29 | $ 4,235,000 | $ 146,000 | $ 149,000 |
| DeKalb County Indiana | 27 | $ 3,815,000 | $ 141,000 | $ 77,000 |
| Clark County Indiana | 22 | $ 1,590,000 | $ 72,000 | $ 73,000 |
| Noble County Indiana | 22 | $ 5,100,000 | $ 231,000 | $ 99,000 |
| Whitley County Indiana | 21 | $ 2,835,000 | $ 135,000 | $ 103,000 |
| Floyd County Indiana | 19 | $ 1,295,000 | $ 68,000 | $ 85,000 |
| Wabash County Indiana | 18 | $ 2,070,000 | $ 115,000 | $ 81,000 |
| Adams County Indiana | 17 | $ 2,645,000 | $ 155,000 | $ 78,000 |
| Boone County Indiana | 17 | $ 9,585,000 | $ 563,000 | $ 244,000 |
| Steuben County Indiana | 15 | $ 1,925,000 | $ 128,000 | $ 115,000 |
| St. Joseph County Michigan | 14 | $ 2,440,000 | $ 174,000 | $ 95,000 |
| Monroe County Indiana | 8 | $ 1,900,000 | $ 237,000 | $ 140,000 |
| Tippecanoe County Indiana | 8 | $ 800,000 | $ 100,000 | $ 64,000 |
| Wells County Indiana | 8 | $ 1,430,000 | $ 178,000 | $ 79,000 |
| Bartholomew County Indiana | 7 | $ 485,000 | $ 69,000 | $ 80,000 |
| Grant County Indiana | 7 | $ 565,000 | $ 80,000 | $ 86,000 |
| Harrison County Indiana | 7 | $ 1,085,000 | $ 155,000 | $ 82,000 |
| Henry County Indiana | 7 | $ 635,000 | $ 90,000 | $ 76,000 |
| Miami County Indiana | 7 | $ 535,000 | $ 76,000 | $ 59,000 |
| Cook County Illinois | 6 | $ 2,310,000 | $ 385,000 | $ 107,000 |
| Howard County Indiana | 6 | $ 420,000 | $ 70,000 | $ 102,000 |
| Jasper County Indiana | 6 | $ 530,000 | $ 88,000 | $ 109,000 |
| Owen County Indiana | 6 | $ 580,000 | $ 96,000 | $ 76,000 |
| Cass County Indiana | 5 | $ 405,000 | $ 81,000 | $ 73,000 |
| Delaware County Indiana | 5 | $ 485,000 | $ 97,000 | $ 63,000 |
| Fountain County Indiana | 5 | $ 625,000 | $ 125,000 | $ 75,000 |
| Parke County Indiana | 5 | $ 545,000 | $ 109,000 | $ 89,000 |
| Shelby County Indiana | 5 | $ 745,000 | $ 149,000 | $ 79,000 |
| Vigo County Indiana | 5 | $ 595,000 | $ 119,000 | $ 84,000 |
| Clay County Indiana | 4 | $ 410,000 | $ 102,000 | $ 47,000 |
| LaGrange County Indiana | 4 | $ 290,000 | $ 72,000 | $ 86,000 |
| Pulaski County Indiana | 4 | $ 320,000 | $ 80,000 | $ 82,000 |
| Warrick County Indiana | 4 | $ 880,000 | $ 220,000 | $ 199,000 |
| Branch County Michigan | 4 | $ 410,000 | $ 102,000 | $ 87,000 |
| Kalamazoo County Michigan | 4 | $ 420,000 | $ 105,000 | $ 36,000 |
| Van Buren County Michigan | 4 | $ 770,000 | $ 192,000 | $ 112,000 |
| Carroll County Indiana | 3 | $ 485,000 | $ 161,000 | $ 108,000 |
| Jefferson County Indiana | 3 | $ 175,000 | $ 58,000 | $ 54,000 |
| Scott County Indiana | 3 | $ 275,000 | $ 91,000 | $ 81,000 |
| Sullivan County Indiana | 3 | $ 345,000 | $ 115,000 | $ 101,000 |
| Middlesex County Connecticut | 2 | $ 590,000 | $ 295,000 | $ 125,000 |
| Highlands County Florida | 2 | $ 330,000 | $ 165,000 | $ 86,000 |
| Brown County Indiana | 2 | $ 310,000 | $ 155,000 | $ 60,000 |
| Clinton County Indiana | 2 | $ 220,000 | $ 110,000 | $ 115,000 |
| Fayette County Indiana | 2 | $ 580,000 | $ 290,000 | $ 170,000 |
| Greene County Indiana | 2 | $ 240,000 | $ 120,000 | $ 121,000 |
| Lawrence County Indiana | 2 | $ 110,000 | $ 55,000 | $ 70,000 |
| White County Indiana | 2 | $ 290,000 | $ 145,000 | $ 181,000 |
| Butler County Ohio | 2 | $ 320,000 | $ 160,000 | $ 252,000 |
| Defiance County Ohio | 2 | $ 270,000 | $ 135,000 | $ 275,000 |
| Greene County Tennessee | 2 | $ 380,000 | $ 190,000 | $ 75,000 |
| Etowah County Alabama | 1 | $ 115,000 | $ 115,000 | $ 35,000 |
| Maricopa County Arizona | 1 | $ 55,000 | $ 55,000 | $ 12,000 |
| Boone County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 1,056,000 |
| Brevard County Florida | 1 | $ 25,000 | $ 25,000 | $ 27,000 |
| Charlotte County Florida | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Duval County Florida | 1 | $ 215,000 | $ 215,000 | $ 26,000 |
| Escambia County Florida | 1 | $ 75,000 | $ 75,000 | $ 180,000 |
| Lee County Florida | 1 | $ 275,000 | $ 275,000 | $ 152,000 |
| Leon County Florida | 1 | $ 75,000 | $ 75,000 | $ 272,000 |
| Miami-Dade County Florida | 1 | $ 155,000 | $ 155,000 | $ 88,000 |
| Osceola County Florida | 1 | $ 105,000 | $ 105,000 | $ 132,000 |
| Pinellas County Florida | 1 | $ 225,000 | $ 225,000 | $ 64,000 |
| Polk County Florida | 1 | $ 105,000 | $ 105,000 | $ 89,000 |
| Sarasota County Florida | 1 | $ 595,000 | $ 595,000 | $ 238,000 |
| Sumter County Florida | 1 | $ 275,000 | $ 275,000 | $ 82,000 |
| Ben Hill County Georgia | 1 | $ 5,000 | $ 5,000 | $ 12,000 |
| Gwinnett County Georgia | 1 | $ 105,000 | $ 105,000 | $ 1,880,000 |
| Iroquois County Illinois | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Kane County Illinois | 1 | $ 475,000 | $ 475,000 | $ 160,000 |
| Benton County Indiana | 1 | $ 115,000 | $ 115,000 | $ 114,000 |
| Blackford County Indiana | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Jackson County Indiana | 1 | $ 25,000 | $ 25,000 | $ 68,000 |
| Jennings County Indiana | 1 | $ 785,000 | $ 785,000 | $ 0 |
| Perry County Indiana | 1 | $ 195,000 | $ 195,000 | $ 305,000 |
| Rush County Indiana | 1 | $ 45,000 | $ 45,000 | $ 31,000 |
| Switzerland County Indiana | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Tipton County Indiana | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Vermillion County Indiana | 1 | $ 55,000 | $ 55,000 | $ 80,000 |
| Washington County Indiana | 1 | $ 35,000 | $ 35,000 | $ 129,000 |
| Wayne County Indiana | 1 | $ 65,000 | $ 65,000 | $ 152,000 |
| Cherokee County Kansas | 1 | $ 85,000 | $ 85,000 | $ 22,000 |
| Johnson County Kansas | 1 | $ 345,000 | $ 345,000 | $ 90,000 |
| Breathitt County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 120,000 |
| Simpson County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 82,000 |
| Androscoggin County Maine | 1 | $ 225,000 | $ 225,000 | $ 81,000 |
| Frederick County Maryland | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Hillsdale County Michigan | 1 | $ 145,000 | $ 145,000 | $ 40,000 |
| Jackson County Michigan | 1 | $ 265,000 | $ 265,000 | $ 96,000 |
| Lake County Michigan | 1 | $ 85,000 | $ 85,000 | $ 85,000 |
| Livingston County Michigan | 1 | $ 405,000 | $ 405,000 | $ 169,000 |
| Macomb County Michigan | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Manistee County Michigan | 1 | $ 385,000 | $ 385,000 | $ 314,000 |
| Marquette County Michigan | 1 | $ 215,000 | $ 215,000 | $ 131,000 |
| Oakland County Michigan | 1 | $ 205,000 | $ 205,000 | $ 193,000 |
| Ottawa County Michigan | 1 | $ 535,000 | $ 535,000 | $ 133,000 |
| Jones County Mississippi | 1 | $ 245,000 | $ 245,000 | $ 105,000 |
| Scotts Bluff County Nebraska | 1 | $ 215,000 | $ 215,000 | $ 194,000 |
| Orange County New York | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Suffolk County New York | 1 | $ 335,000 | $ 335,000 | $ 148,000 |
| Randolph County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 142,000 |
| Paulding County Ohio | 1 | $ 95,000 | $ 95,000 | $ 108,000 |
| Georgetown County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 780,000 |
| Lexington County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Rutherford County Tennessee | 1 | $ 505,000 | $ 505,000 | $ 62,000 |
| Sumner County Tennessee | 1 | $ 325,000 | $ 325,000 | $ 177,000 |
| Fort Bend County Texas | 1 | $ 15,000 | $ 15,000 | $ 270,000 |
Mortgage Loan Application Detail Totals for Everwise 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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 1,631 | $127,905,000 | $78,000 | $1,855,000 | $93,000 | $1,880,000 |
| Home Purchase | 1,087 | $260,925,000 | $240,000 | $6,675,000 | $106,000 | $2,025,000 |
| Other Purpose | 599 | $36,505,000 | $60,000 | $755,000 | $85,000 | $804,000 |
| Home Improvement | 479 | $29,175,000 | $60,000 | $625,000 | $90,000 | $865,000 |
| Refinancing | 114 | $19,580,000 | $171,000 | $2,175,000 | $92,000 | $919,000 |
| 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 | 2,983 | $352,665,000 | $118,000 | $5,765,000 | $95,000 | $2,025,000 |
| Black or African American | 372 | $33,860,000 | $91,000 | $475,000 | $80,000 | $689,000 |
| Not Provided | 241 | $32,585,000 | $135,000 | $2,205,000 | $99,000 | $804,000 |
| Hispanic | 213 | $22,235,000 | $104,000 | $695,000 | $93,000 | $1,880,000 |
| Asian | 54 | $13,420,000 | $248,000 | $3,005,000 | $187,000 | $1,676,000 |
| American Indian or Alaskan Native | 32 | $4,220,000 | $131,000 | $365,000 | $85,000 | $252,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $480,000 | $80,000 | $155,000 | $285,000 | $743,000 |
| Not applicable | 5 | $14,075,000 | $2,815,000 | $6,675,000 | $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) | 3,791 | $449,745,000 | $118,000 | $6,675,000 | $96,000 | $2,025,000 |
| FHA-insured (Federal Housing Administration) | 100 | $19,690,000 | $196,000 | $425,000 | $75,000 | $176,000 |
| VA-guaranteed (Veterans Administration) | 19 | $4,655,000 | $245,000 | $425,000 | $102,000 | $246,000 |
| 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 | 2,560 | $310,990,000 | $121,000 | $6,675,000 | $95,000 | $1,676,000 |
| Application Denied By Financial Institution | 762 | $71,450,000 | $93,000 | $1,505,000 | $84,000 | $1,880,000 |
| Application Withdrawn By Applicant | 480 | $79,350,000 | $165,000 | $5,765,000 | $114,000 | $2,025,000 |
| File Closed For Incompleteness | 77 | $8,355,000 | $108,000 | $965,000 | $109,000 | $940,000 |
| Application Approved But Not Accepted | 31 | $3,945,000 | $127,000 | $485,000 | $104,000 | $586,000 |
| 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 | 3,148 | $402,640,000 | $127,000 | $6,675,000 | $98,000 | $2,025,000 |
| Credit History | 242 | $17,800,000 | $73,000 | $505,000 | $76,000 | $480,000 |
| Debt-To-Income Ratio | 204 | $24,190,000 | $118,000 | $1,505,000 | $60,000 | $600,000 |
| Collateral | 169 | $16,055,000 | $95,000 | $1,475,000 | $104,000 | $1,056,000 |
| Credit Application Incomplete | 65 | $5,895,000 | $90,000 | $625,000 | $121,000 | $1,146,000 |
| Other | 51 | $3,645,000 | $71,000 | $425,000 | $114,000 | $1,880,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $1,795,000 | $138,000 | $215,000 | $92,000 | $498,000 |
| Employment History | 11 | $1,285,000 | $116,000 | $245,000 | $60,000 | $156,000 |
| Unverifiable Information | 7 | $785,000 | $112,000 | $365,000 | $66,000 | $169,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Everwise 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 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.