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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Everett
Updated February 5, 2026
Market Overview
99
Total Lenders
9,232
Total Loans
0.19%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | -$21 | -0.126% | 271 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,249 | -0.111% | 99 | |
3 | Global Federal Credit Union | Exceptional | Strong | Exceptional | Strong | $961 | -0.741% | 87 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $484 | -0.684% | 67 | |
5 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | -$1,091 | -0.327% | 48 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,275 | -0.039% | 695 | |
7 | Boeing Employees Credit Union | Strong | Strong | Sound | Exceptional | $732 | -0.037% | 456 | |
8 | Bank of America, National Association | Strong | Strong | Strong | Strong | -$150 | -0.343% | 172 | |
9 | SAMMAMISH MORTGAGE COMPANY | Strong | Strong | Strong | Strong | $635 | -0.005% | 88 | |
10 | KeyBank National Association | Strong | Strong | Strong | Strong | $568 | -0.091% | 83 | |
11 | HSBC BANK USA, NATIONAL ASSOCIATION | Strong | Strong | Strong | Strong | -$218 | -0.146% | 55 | |
12 | FIRST TECHNOLOGY FEDERAL CREDIT UNION | Strong | Strong | Strong | Strong | -$585 | -0.139% | 52 | |
13 | NBKC BANK | Strong | Exceptional | Sound | Sound | $701 | -0.209% | 35 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,108 | -0.081% | 241 | |
15 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,524 | -0.021% | 142 | |
16 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $182 | +0.073% | 40 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,727 | +0.123% | 623 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,433 | +0.382% | 418 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,592 | +0.272% | 326 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,300 | +0.354% | 324 | |
21 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $1,625 | +0.177% | 218 | |
22 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,802 | -0.005% | 175 | |
23 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $4,191 | +0.046% | 118 | |
24 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $426 | +0.436% | 114 | |
25 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,203 | -0.034% | 77 | |
26 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,363 | +0.187% | 74 | |
27 | Zions Bancorporation, N.A. | Strong | Strong | Sound | Sound | $547 | +0.072% | 29 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,975 | +0.454% | 409 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,798 | +0.340% | 217 | |
30 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,321 | +0.304% | 141 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $5,589 | +0.265% | 73 | |
32 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $297 | +0.110% | 46 | |
33 | General Mortgage Capital Corporation | Strong | Sound | Strong | Sound | $738 | -0.127% | 38 | |
34 | NexBank | Strong | Sound | Strong | Sound | $556 | +0.087% | 29 | |
35 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $4,978 | +0.493% | 289 | |
36 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Strong | $4,206 | +0.408% | 147 | |
37 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,774 | +0.102% | 100 | |
38 | 1st Security Bank of Washington | Strong | Acceptable | Strong | Strong | $3,155 | +0.211% | 98 | |
39 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,265 | +0.225% | 58 | |
40 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | $3,180 | +0.397% | 50 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,211 | +0.103% | 41 | |
42 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $4,815 | +0.348% | 34 | |
43 | HomeStreet Bank | Strong | Acceptable | Strong | Strong | $2,922 | +0.304% | 33 | |
44 | Banner Bank | Strong | Sound | Sound | Sound | $3,461 | +0.158% | 33 | |
45 | BMO Bank National Association | Strong | Sound | Sound | Sound | -$228 | +0.039% | 25 | |
46 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,424 | +0.352% | 191 | |
47 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,551 | +0.286% | 150 | |
48 | OriginPoint, LLC | Sound | Acceptable | Sound | Strong | $2,807 | +0.263% | 77 | |
49 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,952 | -0.057% | 46 | |
50 | CANOPY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $5,355 | +0.517% | 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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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