Everence Federal Credit Union mortgage approval rate & lending review
Everence Federal Credit Union decided 386 mortgage applications and funded 303 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Everence Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Everence Federal Credit Union at a glance
Approval is 0.5 points above the 78.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 104 / 120 | 100% | $165K | 104 |
| Cash-out refinance | 67% | 69 / 103 | 100% | $215K | 69 |
| Refinance | 70% | 67 / 96 | 97% | $155K | 65 |
| Investment property purchase | 97% | 31 / 32 | 100% | $285K | 31 |
Everence Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 79% | $165K | 169 | 132 |
| Indiana | 92% | $165K | 78 | 72 |
| Florida | 80% | $285K | 75 | 60 |
| Ohio | 72% | $155K | 29 | 21 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Everence Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Elkhart County, IN | Mortgage lenders | 93% | 44 | 41 |
| Lancaster County, PA | Cash-out refinance | 68% | 41 | 28 |
| Lancaster County, PA | Refinance | 71% | 34 | 23 |
The county markets where Everence Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Everence Federal Credit Union
What is Everence Federal Credit Union's mortgage approval rate?
Everence Federal Credit Union approved 79.0% of the 386 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.5 points above the 78.5% national rate for the same mix of loan types.
How often do borrowers take the loan Everence Federal Credit Union offers?
Borrowers accepted 99% of the loans Everence Federal Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Everence Federal Credit Union make?
The typical home purchase mortgage loan Everence Federal Credit Union made was $165K; across all loan types its typical loan ran from $155K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Everence Federal Credit Union lend?
Everence Federal Credit Union decided applications in 19 of the states Fat Boy Data covers, most of them in Pennsylvania, Indiana and Florida.
Can I apply to Everence Federal Credit Union directly?
Yes. Everence Federal Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Everence Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Everence Federal Credit Union treats applications, then get a rate quote from the lender.