EVERENCE FEDERAL CREDIT UNION
EVERENCE FEDERAL CREDIT UNION received 446 applications in 2025 and made 279 mortgages, in 97 counties across 28 states. The median rate its borrowers got was 5.490% on a median loan of $145,000. Of 404 decisions, 122 were denials — 30.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930053KPO7OG48FP72 |
|---|---|
| Applications received | 446 |
| Mortgages made | 279 |
| Denied | 122 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 42 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2875 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 44 | 7.000% | $225,000 | 15.4% |
| Refinancing | 34 | 5.490% | $185,000 | 12.5% |
| Cash-out refinancing | 43 | 6.750% | $175,000 | 29.5% |
| Other purposes | 158 | 5.490% | $105,000 | 36.3% |
Where EVERENCE FEDERAL CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lancaster County, PA | 101 | 5.490% | 22.3% |
| Elkhart County, IN | 32 | 5.490% | 27.3% |
| Sarasota County, FL | 28 | 5.490% | 17.7% |
| Wayne County, OH | 17 | 5.490% | 26.1% |
| Mifflin County, PA | 10 | 5.490% | 16.7% |
| Philadelphia County, PA | 6 | Under 10 loans | 62.5% |
| Manatee County, FL | 5 | Under 10 loans | 0.0% |
| St. Joseph County, IN | 5 | Under 10 loans | 28.6% |
| Berks County, PA | 4 | Under 10 loans | 0.0% |
| St. Joseph County, MI | 3 | Under 10 loans | 0.0% |
| Stark County, OH | 3 | Under 10 loans | 40.0% |
| Lebanon County, PA | 3 | Under 10 loans | 25.0% |
| Harrisonburg city, VA | 3 | Under 10 loans | 25.0% |
| Allen County, OH | 2 | Under 10 loans | 0.0% |
| Allegheny County, PA | 2 | Under 10 loans | 71.4% |
| Chester County, PA | 2 | Under 10 loans | 33.3% |
| Clinton County, PA | 2 | Under 10 loans | 0.0% |
| Huntingdon County, PA | 2 | Under 10 loans | 33.3% |
| Juniata County, PA | 2 | Under 10 loans | 0.0% |
| Lehigh County, PA | 2 | Under 10 loans | 33.3% |
| Montgomery County, PA | 2 | Under 10 loans | 50.0% |
| York County, PA | 2 | Under 10 loans | 40.0% |
| Rockingham County, VA | 2 | Under 10 loans | 60.0% |
| Pima County, AZ | 1 | Under 10 loans | 50.0% |
| Alameda County, CA | 1 | Under 10 loans | 0.0% |
| Fresno County, CA | 1 | Under 10 loans | 66.7% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| Larimer County, CO | 1 | Under 10 loans | 0.0% |
| Park County, CO | 1 | Under 10 loans | 0.0% |
| Weld County, CO | 1 | Under 10 loans | 0.0% |
| Monroe County, FL | 1 | Under 10 loans | 0.0% |
| Cherokee County, GA | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Lake County, IL | 1 | Under 10 loans | 0.0% |
| Kosciusko County, IN | 1 | Under 10 loans | 66.7% |
| Noble County, IN | 1 | Under 10 loans | 50.0% |
| Marion County, KS | 1 | Under 10 loans | 0.0% |
| Estill County, KY | 1 | Under 10 loans | 0.0% |
| Cecil County, MD | 1 | Under 10 loans | 0.0% |
| Montgomery County, MD | 1 | Under 10 loans | 0.0% |
| Cass County, MI | 1 | Under 10 loans | 0.0% |
| Gratiot County, MI | 1 | Under 10 loans | 0.0% |
| Carlton County, MN | 1 | Under 10 loans | 0.0% |
| Pope County, MN | 1 | Under 10 loans | 0.0% |
| Greene County, MO | 1 | Under 10 loans | 0.0% |
| Burlington County, NJ | 1 | Under 10 loans | 50.0% |
| Ashland County, OH | 1 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 1 | Under 10 loans | 0.0% |
| Guernsey County, OH | 1 | Under 10 loans | 0.0% |
| Madison County, OH | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.