Everwise Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, Everwise Credit Union of South Bend, IN reported 2,758 mortgage applications totaling $264.0 million, down 20% from 2018. The average application was for $95,714, and applicants reported an average income of $80,653. 66% of its applications resulted in an originated loan and 20% were denied. Its largest markets were South Bend-Mishawaka, IN-MI (886), Indianapolis-Carmel-Anderson, IN (784) and Elkhart-Goshen, IN (255) (applications in parentheses).
| 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 | 2025 2024 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 | 2,758 |
| Total Mortgage Loan Application Amount | $263,980,000 |
| Average Mortgage Loan Application Amount | $95,714 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $80,653 |
| Highest Applicant Income | $2,280,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Everwise Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| South Bend-Mishawaka, IN-MI | 886 | $ 79,250,000 | $ 89,446 | $ 72,846 |
| Indianapolis-Carmel-Anderson, IN | 784 | $ 81,050,000 | $ 103,380 | $ 91,000 |
| Outside any metro area | 422 | $ 38,340,000 | $ 90,853 | $ 75,310 |
| Elkhart-Goshen, IN | 255 | $ 24,765,000 | $ 97,117 | $ 78,000 |
| Gary, IN | 177 | $ 17,515,000 | $ 98,954 | $ 82,000 |
| Niles-Benton Harbor, MI | 53 | $ 4,815,000 | $ 90,849 | $ 93,000 |
| Michigan City-La Porte, IN | 40 | $ 4,260,000 | $ 106,500 | $ 86,000 |
| Louisville/Jefferson County, KY-IN | 29 | $ 2,275,000 | $ 78,448 | $ 82,000 |
| Fort Wayne, IN | 22 | $ 2,780,000 | $ 126,363 | $ 111,000 |
| Terre Haute, IN | 13 | $ 675,000 | $ 51,923 | $ 69,000 |
| Bloomington, IN | 12 | $ 1,050,000 | $ 87,500 | $ 80,000 |
| Lafayette-West Lafayette, IN | 7 | $ 315,000 | $ 45,000 | $ 85,000 |
| Muncie, IN | 5 | $ 345,000 | $ 69,000 | $ 49,000 |
| Kokomo, IN | 4 | $ 200,000 | $ 50,000 | $ 62,000 |
| Columbus, IN | 3 | $ 425,000 | $ 141,666 | $ 87,000 |
| Chicago-Naperville, IL | 2 | $ 240,000 | $ 120,000 | $ 113,000 |
| Kalamazoo-Portage, MI | 2 | $ 290,000 | $ 145,000 | $ 83,000 |
| Lansing-East Lansing, MI | 2 | $ 170,000 | $ 85,000 | $ 37,000 |
| Punta Gorda, FL | 2 | $ 250,000 | $ 125,000 | $ 44,000 |
| Burlington-South Burlington, VT | 1 | $ 255,000 | $ 255,000 | $ 102,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 205,000 | $ 205,000 | $ 274,000 |
| Charleston, WV | 1 | $ 55,000 | $ 55,000 | $ 18,000 |
| Evansville, IN-KY | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 255,000 | $ 255,000 | $ 170,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 175,000 | $ 175,000 | $ 82,000 |
| Jacksonville, FL | 1 | $ 215,000 | $ 215,000 | $ 155,000 |
| Knoxville, TN | 1 | $ 205,000 | $ 205,000 | $ 49,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 285,000 | $ 285,000 | $ 146,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 225,000 | $ 225,000 | $ 139,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 185,000 | $ 185,000 | $ 96,000 |
| Peoria, IL | 1 | $ 45,000 | $ 45,000 | $ 71,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Saginaw, MI | 1 | $ 55,000 | $ 55,000 | $ 91,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 125,000 | $ 125,000 | $ 158,000 |
Mortgage Loan Application Detail Totals for Everwise Credit Union in 2019
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 | 1,730 | $114,380,000 | $66,000 | $885,000 | $80,000 | $1,825,000 |
| Home Purchase | 708 | $106,760,000 | $150,000 | $485,000 | $78,000 | $489,000 |
| Refinancing | 265 | $37,355,000 | $140,000 | $1,505,000 | $92,000 | $2,280,000 |
| Home Improvement | 38 | $4,820,000 | $126,000 | $485,000 | $85,000 | $192,000 |
| Other Purpose | 17 | $665,000 | $39,000 | $105,000 | $71,000 | $216,000 |
| 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 | 2,277 | $215,175,000 | $94,000 | $1,505,000 | $80,000 | $2,280,000 |
| Not Provided | 198 | $22,640,000 | $114,000 | $475,000 | $90,000 | $360,000 |
| Black or African American | 148 | $11,620,000 | $78,000 | $295,000 | $80,000 | $1,825,000 |
| Hispanic | 86 | $7,510,000 | $87,000 | $315,000 | $63,000 | $158,000 |
| American Indian or Alaskan Native | 20 | $2,410,000 | $120,000 | $325,000 | $96,000 | $326,000 |
| Asian | 20 | $3,520,000 | $176,000 | $485,000 | $109,000 | $397,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $130,000 | $65,000 | $75,000 | $121,000 | $173,000 |
| 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) | 2,758 | $263,980,000 | $95,000 | $1,505,000 | $81,000 | $2,280,000 |
| 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 | 1,825 | $180,945,000 | $99,000 | $1,505,000 | $83,000 | $1,684,000 |
| Application Denied By Financial Institution | 557 | $44,935,000 | $80,000 | $475,000 | $74,000 | $2,280,000 |
| Application Withdrawn By Applicant | 293 | $31,625,000 | $107,000 | $405,000 | $77,000 | $332,000 |
| Application Approved But Not Accepted | 82 | $6,360,000 | $77,000 | $305,000 | $85,000 | $298,000 |
| File Closed For Incompleteness | 1 | $115,000 | $115,000 | $115,000 | $100,000 | $100,000 |
| 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 | 2,201 | $219,045,000 | $99,000 | $1,505,000 | $83,000 | $1,684,000 |
| Credit Application Incomplete | 165 | $17,085,000 | $103,000 | $475,000 | $101,000 | $2,280,000 |
| Credit History | 132 | $7,340,000 | $55,000 | $215,000 | $70,000 | $1,825,000 |
| Debt-To-Income Ratio | 130 | $10,410,000 | $80,000 | $395,000 | $45,000 | $163,000 |
| Collateral | 107 | $7,975,000 | $74,000 | $325,000 | $74,000 | $201,000 |
| Employment History | 11 | $1,275,000 | $115,000 | $245,000 | $64,000 | $364,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $480,000 | $80,000 | $105,000 | $47,000 | $130,000 |
| Unverifiable Information | 6 | $370,000 | $61,000 | $195,000 | $96,000 | $216,000 |
| Other | 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 2019 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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