Applications / Mortgage Analytics / Lenders / Pennsylvania / Everence Federal Credit Union
Lancaster, PA · Credit union · NCUA · $455 million assets · 280 loans in 2025
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280
loans originated, 2025
448
applications, 2025
19
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Everence Federal Credit Union, of Lancaster, Pennsylvania, lends across 19 states, mostly for purposes other than buying a home, and its lending held steady in 2025 after years of growth.
Other purposes made up 56.4% of its loans and refinances 27.5%. Home purchases were just 16.1%. All its loans were conventional. Its typical loan was $145,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), larger than at about seven in ten of them.
Its typical rate was 5.49%, the same as in 2024. Similar lenders typically charged 6.88%, and the rate was lower than at about nineteen in twenty of them.
It lent in 62 counties across 19 states. In Lancaster, its largest market, it ranked 36 of 365 lenders, and its share rose from 0.5% to 0.6%; Guild Mortgage Company led. In Elkhart-Goshen its share fell from 0.7% to 0.4%. With a share that small, a few loans more or fewer could explain the move. In 2025 it made its first loans in Burlington-South Burlington and two other new markets.
It made 280 loans in 2025, against 281 in 2024, while similar lenders grew 7% and the whole market 10%. Its lending had risen from 159 loans in 2020 to 355 in 2022, before dipping to 239 in 2023.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Everence Federal Credit Union took 448 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 56.4% · Refinance 27.5% · Purchase 16.1%
Conventional 100.0% · of 280 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 146 | 52.1% |
| Indiana | 39 | 13.9% |
| Florida | 35 | 12.5% |
| Ohio | 27 | 9.6% |
| Virginia | 8 | 2.9% |
| Michigan | 5 | 1.8% |
| California | 3 | 1.1% |
| Colorado | 3 | 1.1% |
| Illinois | 2 | 0.7% |
| Maryland | 2 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lancaster | 101 |
| North Port-Bradenton-Sarasota | 34 |
| Elkhart-Goshen | 32 |
| Philadelphia | 6 |
| South Bend-Mishawaka | 6 |
| Harrisonburg | 5 |
| Montgomery County-Bucks County-Chester County | 5 |
| Reading | 4 |
| Canton-Massillon | 3 |
| Lebanon | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930053KPO7OG48FP72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 168188 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510223 | 1993–2017 |
Established 1 January 1955. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Everence Federal Credit Union's data.
Everence Federal Credit Union's data
$215
Everence Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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