We analyzed every closed loan from Everwise Credit Union — 731 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 7 mkts
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA loans
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Report Card
Everwise Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+21.4 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 610 | 83.4% | +0.220%Above | $716Fees | ||||
FHA Loans | 93 | 12.7% | +0.234%Above | $484Fees | ||||
VA Loans | — | — | 14 | 1.9% | -0.308%Below | $166Credit |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume610
Mix83.4%
Spread
+0.220%Above
Fees
$716Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume93
Mix12.7%
Spread
+0.234%Above
Fees
$484Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume14
Mix1.9%
Spread
-0.308%Below
Fees
$166Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 585 | 80.0% | +0.170%Above | $610Fees | ||||
Refinance | 146 | 20.0% | +0.419%Above | $873Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume585
Mix80.0%
Spread
+0.170%Above
Fees
$610Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume146
Mix20.0%
Spread
+0.419%Above
Fees
$873Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
731
Applications
1,046
Volume
$166 million
Pricing & Closing
Avg Rate Spread
+0.214%
vs. market APOR
Avg Net Fees
$656
Origination − Credits
Pullthrough Rate
69.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$227,886
Avg Borrower Income
$99,741
Avg Property Value
$292,811
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
10Midwest4
ILINMIOH
South4
ALFLNCTN
West2
AZNV
Top Metro Areas by Place Specialization Score
Volume 200Mix 27.36% of portfolio
91/100
Exceptional
Volume 61Mix 8.34% of portfolio
76/100
Strong
Volume 129Mix 17.65% of portfolio
75/100
Strong
Volume 109Mix 14.91% of portfolio
70/100
Strong
Volume 25Mix 3.42% of portfolio
56/100
Sound
Volume 20Mix 2.74% of portfolio
55/100
Sound
Volume 11Mix 1.50% of portfolio
46/100
SoundTop States by Place Specialization Score
1
IndianaState
Volume 665Mix 90.97% of portfolio
84/100
Exceptional2
MichiganState
Volume 53Mix 7.25% of portfolio
55/100
SoundHow 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.