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NMLS ID verifiedCredit UnionHQ in St. Joseph County

Everwise Credit Union

South Bend, Indiana · HQ in St. Joseph County · NMLS #686706

Everwise Credit Union (NMLS #686706) reports multi-thousand 2025 HMDA originations in Indiana and southwest Michigan markets.

Research Score

50 / 100

Re-checkable NMLS identity, third-party reputation snapshots when present, complaint-pattern context, and field completeness. Editorial research composite only.

Data Confidence

87 / 100

High data confidence

NMLS / License Status

NMLS ID verified

NMLS #686706 — re-confirm on NMLS Consumer Access before applying.

Local Market Evidence

Local market evidence · St. Joseph County

HQ locality derived from listed_county (South Bend)

Does not measure approval odds, interest rates, closing speed, or future service quality. Not a regulator grade or NMLS endorsement. Methodology

Score factors
  • NMLS identity evidence: 28/28 — NMLS #686706 — re-confirm on NMLS Consumer Access before applying.
  • Third-party reputation snapshot: 0/26 — No review volume on file
  • CFPB complaint pattern: 8/16 — Catalog shows 0 complaints — treated as unverified default, not a clean bill of health
  • BBB grade (catalog): 0/12 — Grade A listed in seed data — not scored until independently sourced (confirm on BBB.org)
  • Licensed locality completeness: 8/12 — Derived HQ locality: St. Joseph County (listed_county)
  • Loan type disclosure: 6/6 — 4 loan type(s) listed
No independently verified closing-performance data available
Closing performance

Closing timelines are only shown when backed by a documented observed dataset (source, sample size, window). Seed or editorial estimates are not displayed. Hub methodology. Research listing only — not an endorsement of this lender. Re-verify NMLS #686706 on NMLS Consumer Access.

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Loan Types

ConventionalFHAVARefinance

Specialties

Northern Indiana and southwest Michigan credit union

Public metrics (provenance-gated)

CFPB complaints (catalog): 0

Raw count as listed — not size-normalized. A complaint is not a finding of wrongdoing.

Product / credit tiers listed: Excellent, Good, Fair

Self-described product focus as listed — not underwriting criteria.

Third-party review and BBB snapshots are suppressed until independently retrieved. Volume ranks are not shown without a documented source.

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Federal mortgage data · HMDA

What the federal data shows

Source: 2025 HMDA · Indiana activity (primary of 3 states) · Not a score or ranking

Research panel
Indiana originations
2,255
Counties with activity (IN)
31

Among tracked high-volume counties in this state slice

Indiana applications
3,441

HMDA applications in state summary (selected outcomes)

Also mapped in: Michigan (121 originations) · Colorado (1 originations)

Top counties by originations

  • St. Joseph County663
  • Marion County268
  • Elkhart County208
  • Allen County156
  • Hamilton County123

Loan-type mix (Indiana originations)

Conventional94.6% · 2,133
FHA4.7% · 106
VA0.6% · 13
USDA / RHS0.0% · 3

Market share in key counties

Share of county originations among all HMDA filers in that county (shown when ≥ 1%).

Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.

We show the public record. You decide.

Research listing only — not an endorsement. Public panels (when shown) cite HMDA and/or CFPB sources with as-of dates. Re-verify NMLS identity on NMLS Consumer Access before applying. Lender Trust Hub is not a lender or broker and does not provide financial advice. We show the public record. You decide.