EVERWISE CREDIT UNION
EVERWISE CREDIT UNION received 3,671 applications in 2025 and made 2,387 mortgages, in 98 counties across 13 states. The median rate its borrowers got was 7.500% on a median loan of $75,000. Of 3,093 decisions, 681 were denials — 22.0%, most often for debt-to-income ratio. 9 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300SXT4VBB68QCC26 |
|---|---|
| Applications received | 3,671 |
| Mortgages made | 2,387 |
| Denied | 681 |
| Approved, not taken up | 25 |
| Withdrawn or incomplete | 578 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.31 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 | 569 | 6.500% | $215,000 | 6.7% |
| Refinancing | 233 | 7.290% | $95,000 | 22.7% |
| Cash-out refinancing | 131 | 6.875% | $150,000 | 33.3% |
| Other purposes | 1,454 | 7.500% | $55,000 | 25.5% |
Where EVERWISE 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 |
|---|---|---|---|
| St. Joseph County, IN | 663 | 7.500% | 19.1% |
| Marion County, IN | 268 | 7.500% | 33.1% |
| Elkhart County, IN | 208 | 7.500% | 16.9% |
| Allen County, IN | 156 | 7.000% | 11.2% |
| Hamilton County, IN | 123 | 7.500% | 22.6% |
| Kosciusko County, IN | 109 | 7.375% | 21.3% |
| Marshall County, IN | 82 | 7.500% | 20.2% |
| Hendricks County, IN | 63 | 7.500% | 18.2% |
| Lake County, IN | 59 | 7.500% | 32.2% |
| Putnam County, IN | 58 | 7.500% | 21.6% |
| Berrien County, MI | 57 | 7.500% | 32.1% |
| Porter County, IN | 48 | 7.500% | 19.7% |
| Cass County, MI | 47 | 7.250% | 23.8% |
| Montgomery County, IN | 46 | 7.500% | 11.5% |
| Johnson County, IN | 42 | 7.500% | 22.2% |
| Huntington County, IN | 41 | 7.500% | 24.1% |
| LaPorte County, IN | 31 | 7.500% | 26.1% |
| Starke County, IN | 31 | 7.500% | 23.8% |
| Fulton County, IN | 22 | 7.250% | 21.4% |
| Hancock County, IN | 20 | 7.438% | 28.6% |
| Noble County, IN | 15 | 7.125% | 6.3% |
| Whitley County, IN | 15 | 7.000% | 6.3% |
| DeKalb County, IN | 14 | 7.500% | 12.5% |
| Clark County, IN | 11 | 7.500% | 0.0% |
| Madison County, IN | 10 | 7.500% | 23.1% |
| Morgan County, IN | 10 | 7.750% | 31.3% |
| Boone County, IN | 9 | Under 10 loans | 30.8% |
| Floyd County, IN | 9 | Under 10 loans | 10.0% |
| Wabash County, IN | 8 | Under 10 loans | 20.0% |
| Pulaski County, IN | 7 | Under 10 loans | 0.0% |
| Fountain County, IN | 6 | Under 10 loans | 14.3% |
| Miami County, IN | 6 | Under 10 loans | 14.3% |
| Wells County, IN | 6 | Under 10 loans | 0.0% |
| St. Joseph County, MI | 6 | Under 10 loans | 25.0% |
| Parke County, IN | 5 | Under 10 loans | 0.0% |
| Adams County, IN | 4 | Under 10 loans | 0.0% |
| Delaware County, IN | 4 | Under 10 loans | 20.0% |
| Tippecanoe County, IN | 4 | Under 10 loans | 20.0% |
| Owen County, IN | 3 | Under 10 loans | 57.1% |
| Shelby County, IN | 3 | Under 10 loans | 25.0% |
| Steuben County, IN | 3 | Under 10 loans | 40.0% |
| Tipton County, IN | 3 | Under 10 loans | 0.0% |
| Vigo County, IN | 3 | Under 10 loans | 40.0% |
| Champaign County, IL | 2 | Under 10 loans | 0.0% |
| Brown County, IN | 2 | Under 10 loans | 33.3% |
| Cass County, IN | 2 | Under 10 loans | 0.0% |
| Clay County, IN | 2 | Under 10 loans | 33.3% |
| Grant County, IN | 2 | Under 10 loans | 0.0% |
| Henry County, IN | 2 | Under 10 loans | 33.3% |
| Howard County, IN | 2 | 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.