Everence Federal Credit Union in Indiana vs the state
29.0%Denial rate+12.46 pts vs state
31.6%Decision denial rate+11.44 pts vs state
62.9%Origination rate+0.65 pts vs state
5.49%Median rate-1.26 pts vs state
-0.55Rate spread (pts)-0.92 pts vs state
$84kMedian applicant income
39Loans originated
18Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 57 | 12.0% | 7.38% | #285 |
| 2024 | 75 | 58 | 14.7% | 5.49% | #292 |
| 2025 | 62 | 39 | 29.0% | 5.49% | #326 |
What Everence Federal Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Everence Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Elkhart County | 48 | 32 | 12 | 25.0% |
| St. Joseph County | 8 | 5 | 2 | 25.0% |
| Kosciusko County | 3 | 1 | 2 | 66.7% |
| Noble County | 2 | 1 | 1 | 50.0% |
| Marion County | 1 | 0 | 1 | 100.0% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 62 applications in 2025, of which 39 were originated and 18 denied.
29.0% of all applications, or 31.6% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Everence Federal Credit Union originated in Indiana in 2025 was 5.49%, against a statewide median of 6.75%.
About this data. Figures are Everence Federal Credit Union's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology