Lenders › Everwise Credit Union › Indiana
Everwise Credit Union in Indiana
HMDA record for properties in Indiana, calendar year 2024. National record · Indiana overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Everwise Credit Union's 2024 HMDA record for Indiana covers 3,229 applications, 2,150 of them originated, worth $256m.
Its denial rate in the state was 22.1%, close to the Indiana rate of 21.5% across all lenders and compared with the lender's national rate of 21.8%.
The median rate spread on its Indiana originations was 0.4 percentage points (state median 0.5).
Applications in the state were down 12% on 2023.
Compared with the state and the lender's national record
| Measure | In Indiana | Indiana, all lenders | Everwise Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 22.1% | 21.5% | 21.8% | 24.3% |
| Median rate spread, pp | 0.4 | 0.5 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 12.7% | 15.8% | 12.4% | 15.6% |
| Average originated loan | $119k | $216k | $132k | $329k |
| Home purchase share | 26.1% | 53.1% | 27.0% | 57.0% |
| FHA-insured share | 4.4% | 14.5% | 4.2% | 13.4% |
| VA-guaranteed share | 0.6% | 6.0% | 0.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIndiana, all lenders
Loan purpose and loan type in Indiana
By purpose
Home purchase 26% (562)Home improvement 33% (708)Refinancing 13% (282)Cash-out refinancing 4% (94)Other purpose 23% (504)
By type
Conventional 95% (2,038)FHA 4% (94)VA 1% (13)USDA 0% (5)
Denial reasons as coded
Share of 612 denials in Indiana by first denial reason coded (outlined bar: all lenders in the state).
Counties in Indiana
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| St. Joseph County | 838 | 574 | $58m | 20.5% |
| Marion County | 487 | 272 | $27m | 31.8% |
| Elkhart County | 272 | 187 | $23m | 22.0% |
| Allen County | 211 | 165 | $30m | 12.7% |
| Hamilton County | 174 | 138 | $25m | 10.9% |
| Kosciusko County | 165 | 113 | $14m | 16.1% |
| Marshall County | 107 | 79 | $7.5m | 15.1% |
| Hendricks County | 99 | 65 | $5.6m | 19.8% |
| Porter County | 85 | 58 | $6.8m | 19.4% |
| Putnam County | 82 | 56 | $5.1m | 18.8% |
| Montgomery County | 69 | 50 | $4.8m | 24.2% |
| Lake County | 95 | 47 | $5.3m | 40.5% |
| Johnson County | 56 | 40 | $3.9m | 24.5% |
| Huntington County | 42 | 33 | $3.5m | 8.3% |
| LaPorte County | 44 | 25 | $3.5m | 34.2% |
| Fulton County | 33 | 23 | $1.8m | 25.8% |
| Hancock County | 36 | 21 | $1.7m | 21.4% |
| Starke County | 27 | 17 | $2.2m | — |
| Madison County | 29 | 14 | $1.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Everwise Credit Union originate in Indiana in 2024?
2,150 loans totalling $256m, from 3,229 applications reported for properties in Indiana.
What is Everwise Credit Union's denial rate in Indiana?
22.1% of decided applications in Indiana were denied, against 21.5% for all lenders in the state and 21.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Indiana counties does Everwise Credit Union lend in most?
By originations: St. Joseph County (574), Marion County (272), Elkhart County (187), Allen County (165), Hamilton County (138).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Indiana. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.