What loan types does Everence Federal Credit Union offer?

Everence Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Everence Federal Credit Union offer mortgages?

Everence Federal Credit Union offers mortgages in 10 states: FL, IL, IN, MI, MT, NC, OH, OR, PA, VA.

How competitive are Everence Federal Credit Union's mortgage rates?

Everence Federal Credit Union has an overall pricing score of 54.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Everence Federal Credit Union?

Everence Federal Credit Union is a Credit Union headquartered in Lancaster, PA.

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Everence Federal Credit Union

Credit Union•Lancaster, PAHQ•Direct•Reviews near you on Google

Everence Federal Credit Union has 63 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Multi-Region · 1 mkts

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Everence Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+21.1 bps above market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Sound	Sound	63	100.0%	+0.211%Above	$798Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume63

Mix100.0%

Spread

+0.211%Above

Fees

$798Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Sound	Sound	48	76.2%	+0.160%Above	$862Fees
Refinance	Acceptable	Acceptable	—	Acceptable	15	23.8%	+0.443%Above	$510Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume48

Mix76.2%

Spread

+0.160%Above

Fees

$862Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume15

Mix23.8%

Spread

+0.443%Above

Fees

$510Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$13 million

Pricing & Closing

Avg Rate Spread

+0.211%

vs. market APOR

Avg Net Fees

$798

Origination − Credits

Pullthrough Rate

64.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$214,683

Avg Borrower Income

$99,825

Avg Property Value

$307,698

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast1

Midwest4

ILINMIOH

South3

FLNCVA

West2

MTOR

Top Metro Areas by Place Specialization Score

Elkhart, INMetro

Volume 13Mix 20.63% of portfolio

53/100

Sound

Top States by Place Specialization Score

PennsylvaniaState

Volume 16Mix 25.40% of portfolio

49/100

Sound

IndianaState

Volume 16Mix 25.40% of portfolio

49/100

Sound

FloridaState

Volume 10Mix 15.87% of portfolio

41/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.