Everwise Credit Union in Indiana vs the state
18.2%Denial rate+1.67 pts vs state
21.6%Decision denial rate+1.49 pts vs state
65.4%Origination rate+3.15 pts vs state
7.50%Median rate+0.75 pts vs state
0.31Rate spread (pts)-0.06 pts vs state
$80kMedian applicant income
2,255Loans originated
629Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,663 | 2,430 | 19.2% | 7.50% | #12 |
| 2024 | 3,229 | 2,150 | 19.0% | 8.38% | #19 |
| 2025 | 3,448 | 2,255 | 18.2% | 7.50% | #18 |
What Everwise Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Everwise Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Joseph County | 957 | 663 | 157 | 16.4% |
| Marion County | 500 | 268 | 135 | 27.0% |
| Elkhart County | 305 | 208 | 43 | 14.1% |
| Allen County | 207 | 156 | 20 | 9.7% |
| Hamilton County | 189 | 123 | 36 | 19.0% |
| Kosciusko County | 165 | 109 | 30 | 18.2% |
| Marshall County | 119 | 82 | 21 | 17.6% |
| Lake County | 111 | 59 | 28 | 25.2% |
| Hendricks County | 95 | 63 | 14 | 14.7% |
| Putnam County | 84 | 58 | 16 | 19.0% |
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: 3,448 applications in 2025, of which 2,255 were originated and 629 denied.
18.2% of all applications, or 21.6% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Everwise Credit Union originated in Indiana in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Everwise 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