Everwise Credit Union mortgage approval rate & lending review
Everwise Credit Union decided 5,177 mortgage applications and funded 4,057 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Everwise Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Everwise Credit Union at a glance
Approval is 6.0 points above the 73.0% 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 | 91% | 1,337 / 1,468 | 99% | $205K | 1,327 |
| Home improvement loans | 76% | 1,322 / 1,743 | 99% | $55K | 1,308 |
| Cash-out refinance | 72% | 922 / 1,288 | 99% | $65K | 915 |
| Refinance | 78% | 421 / 541 | 99% | $75K | 418 |
| Investment property purchase | 84% | 63 / 75 | 97% | $95K | 61 |
| Investment cash-out refinance | 49% | 19 / 39 | 100% | $95K | 19 |
Everwise Credit Union lending by state
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 Everwise Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| St. Joseph County, IN | Home improvement loans | 77% | 588 | 447 |
| St. Joseph County, IN | Mortgage lenders | 92% | 476 | 436 |
| Allen County, IN | Mortgage lenders | 93% | 334 | 307 |
| St. Joseph County, IN | Cash-out refinance | 74% | 411 | 304 |
| Marion County, IN | Home improvement loans | 65% | 357 | 229 |
| St. Joseph County, IN | Refinance | 81% | 239 | 192 |
| Elkhart County, IN | Mortgage lenders | 94% | 194 | 182 |
| Marion County, IN | Cash-out refinance | 70% | 256 | 178 |
| Elkhart County, IN | Home improvement loans | 82% | 191 | 155 |
| Marion County, IN | Mortgage lenders | 84% | 153 | 128 |
| Hamilton County, IN | Home improvement loans | 87% | 142 | 123 |
| Elkhart County, IN | Cash-out refinance | 75% | 162 | 120 |
The county markets where Everwise Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Everwise Credit Union
What is Everwise Credit Union's mortgage approval rate?
Everwise Credit Union approved 79.1% of the 5,177 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.0 points above the 73.0% national rate for the same mix of loan types.
How often do borrowers take the loan Everwise Credit Union offers?
Borrowers accepted 99% of the loans Everwise Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Everwise Credit Union make?
The typical home improvement loan loan Everwise Credit Union made was $55K; across all loan types its typical loan ran from $55K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Everwise Credit Union lend?
Everwise Credit Union decided applications in 16 of the states Fat Boy Data covers, most of them in Indiana, Michigan and Florida.
Can I apply to Everwise Credit Union directly?
Yes. Everwise Credit Union is a bank or credit union with 49 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Everwise 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 Everwise Credit Union treats applications, then get a rate quote from the lender.