Safe Rate Rankings

Best Mortgage Lenders in Everett

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ 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.

Market

Total Lenders99

Total Loans9,232

Median Rate Spread0.19%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Exceptional	Strong	Strong	Exceptional	$21Credit	0.126%Below	271
2	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Sound	Strong	$1,249Fees	0.111%Below	99
3	Global Federal Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	$961Fees	0.741%Below	87
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$484Fees	0.684%Below	67
5	Citibank, National AssociationBank	Exceptional	Exceptional	Sound	Strong	$1,091Credit	0.327%Below	48
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,275Fees	0.039%Below	695
7	Boeing Employees Credit UnionCredit Union	Strong	Strong	Sound	Exceptional	$732Fees	0.037%Below	456
8	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$150Credit	0.343%Below	172
9	SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company	Strong	Strong	Strong	Strong	$635Fees	0.005%Below	88
10	KeyBank National AssociationBank	Strong	Strong	Strong	Strong	$568Fees	0.091%Below	83
11	HSBC BANK USA, NATIONAL ASSOCIATIONBank	Strong	Strong	Strong	Strong	$218Credit	0.146%Below	55
12	FIRST TECHNOLOGY FEDERAL CREDIT UNIONCredit Union	Strong	Strong	Strong	Strong	$585Credit	0.139%Below	52
13	NBKC BANKBank	Strong	Exceptional	Sound	Sound	$701Fees	0.209%Below	35
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$1,108Fees	0.081%Below	241
15	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$1,524Fees	0.021%Below	142
16	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	$182Fees	0.073%Above	40
17	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,727Fees	0.123%Above	623
18	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,433Fees	0.382%Above	418
19	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,592Fees	0.272%Above	326
20	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,300Fees	0.354%Above	324
21	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,625Fees	0.177%Above	218
22	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,802Fees	0.005%Below	175
23	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$4,191Fees	0.046%Above	118
24	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$426Fees	0.436%Above	114
25	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,203Fees	0.034%Below	77
26	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,363Fees	0.187%Above	74
27	Zions Bancorporation, N.A.Bank	Strong	Strong	Sound	Sound	$547Fees	0.072%Above	29
28	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,975Fees	0.454%Above	409
29	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,798Fees	0.340%Above	217
30	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,321Fees	0.304%Above	141
31	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$5,589Fees	0.265%Above	73
32	RESICENTRAL, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$297Fees	0.110%Above	46
33	General Mortgage Capital CorporationIndependent Mortgage Company	Strong	Sound	Strong	Sound	$738Fees	0.127%Below	38
34	NexBankBank	Strong	Sound	Strong	Sound	$556Fees	0.087%Above	29
35	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$4,978Fees	0.493%Above	289
36	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Acceptable	Strong	Strong	$4,206Fees	0.408%Above	147
37	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,774Fees	0.102%Above	100
38	1st Security Bank of WashingtonBank	Strong	Acceptable	Strong	Strong	$3,155Fees	0.211%Above	98
39	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,265Fees	0.225%Above	58
40	SCENIC OAKS FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,180Fees	0.397%Above	50
41	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$2,211Fees	0.103%Above	41
42	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,815Fees	0.348%Above	34
43	HomeStreet BankBank	Strong	Acceptable	Strong	Strong	$2,922Fees	0.304%Above	33
44	Banner BankBank	Strong	Sound	Sound	Sound	$3,461Fees	0.158%Above	33
45	BMO Bank National AssociationBank	Strong	Sound	Sound	Sound	$228Credit	0.039%Above	25
46	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$4,424Fees	0.352%Above	191
47	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$1,551Fees	0.286%Above	150
48	OriginPoint, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,807Fees	0.263%Above	77
49	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,952Fees	0.057%Below	46
50	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$5,355Fees	0.517%Above	34

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.