# EVERWISE CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/everwise-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


EVERWISE CREDIT UNION is a credit union, headquartered in South Bend, IN, serving borrowers across 10 states, with 731 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 17% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300SXT4VBB68QCC26
- **Headquarters:** South Bend, IN
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** AL, AZ, FL, IL, IN, MI, NC, NV, OH, TN
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.214%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $656
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 731
- **Dollar Volume:** $167 million
- **Applications Received:** 1,046
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $227,886
- **Average Borrower Income:** $99,741
- **Average Property Value:** $292,811

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 72/100 | 610 | +0.220% | $716 | Strong 😀 |
| FHA | 68/100 | 93 | +0.234% | $484 | Strong 😀 |
| VA | 57/100 | 14 | -0.308% | $-166 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 479 loans, Score: 70/100 (Strong)
- Refinance: 131 loans, Score: 71/100 (Strong)

**FHA:**
- Purchase: 83 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 70/100 | 585 | $134M | +0.170% | Strong 😀 |
| Refinance | 71/100 | 146 | $32M | +0.419% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 665 | 0.73% | 84/100 |
| MI | 53 | 0.05% | 55/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| South Bend | IN-MI | 200 | 91/100 |
| Non |  | 142 | 58/100 |
| Fort Wayne, IN | IN | 129 | 75/100 |
| Indianapolis | IN | 109 | 70/100 |
| Elkhart | IN | 61 | 76/100 |
| Lake County | IN | 25 | 56/100 |
| Niles, MI | MI | 20 | 55/100 |
| Michigan City | IN | 11 | 46/100 |

## Where This Lender Ranks

EVERWISE CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Indiana for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions/va-loans)
- 🥇 **#1** in South Bend
  - [View Full Rankings](https://saferate.com/south-bend/best-mortgage-lenders)
- 🥇 **#1** in South Bend Credit Unions
  - [View Full Rankings](https://saferate.com/south-bend/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Indianapolis for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in Elkhart
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders)
- 🥇 **#1** in Elkhart Credit Unions
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Indiana Credit Unions
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Indiana for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in Indiana for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in South Bend for Conventional Loans
  - [View Full Rankings](https://saferate.com/south-bend/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in South Bend for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/south-bend/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in South Bend for FHA Loans
  - [View Full Rankings](https://saferate.com/south-bend/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in South Bend for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/south-bend/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in Fort Wayne, IN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Fort Wayne, IN for FHA Loans
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Indianapolis Credit Unions
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Elkhart for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Elkhart for FHA Loans
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Lake County for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Michigan City for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/michigan-city/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does EVERWISE CREDIT UNION offer?

EVERWISE CREDIT UNION offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does EVERWISE CREDIT UNION offer mortgages?

EVERWISE CREDIT UNION offers mortgages in 10 states: AL, AZ, FL, IL, IN, MI, NC, NV, OH, TN.

### How competitive are EVERWISE CREDIT UNION's mortgage rates?

EVERWISE CREDIT UNION has a pricing score of 83/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.214% above market average.

### What type of lender is EVERWISE CREDIT UNION?

EVERWISE CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in South Bend, IN.

### What is EVERWISE CREDIT UNION's loan approval success rate?

EVERWISE CREDIT UNION has a pull-through score of 71/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/everwise-credit-union

### How to Cite

> "EVERWISE CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/everwise-credit-union

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