Safe Rate Rankings

Best Conventional Mortgage Bank 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 Lenders20

Total Loans9,232

Median Rate Spread0.19%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$21Credit	0.126%Below	271
2	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,091Credit	0.327%Below	48
3	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$150Credit	0.343%Below	172
4	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$568Fees	0.091%Below	83
5	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,108Fees	0.081%Below	241
6	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,524Fees	0.021%Below	142
7	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$182Fees	0.073%Above	40
8	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$701Fees	0.209%Below	35
9	HSBC BANK USA, NATIONAL ASSOCIATIONBank	Strong	Strong	Strong	Sound	Strong	$218Credit	0.146%Below	55
10	Zions Bancorporation, N.A.Bank	Strong	Strong	Strong	Sound	Sound	$547Fees	0.072%Above	29
11	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Sound	$228Credit	0.039%Above	25
12	NexBankBank	Strong	Sound	Strong	Strong	Sound	$556Fees	0.087%Above	29
13	1st Security Bank of WashingtonBank	Strong	Acceptable	Strong	Strong	Strong	$3,155Fees	0.211%Above	98
14	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,148Fees	0.016%Below	23
15	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Mediocre	Exceptional	Strong	Strong	$4,206Fees	0.408%Above	147
16	HomeStreet BankBank	Strong	Acceptable	Strong	Sound	Strong	$2,922Fees	0.304%Above	33
17	Umpqua BankBank	Strong	Acceptable	Strong	Strong	Sound	$3,336Fees	0.244%Above	32
18	Banner BankBank	Sound	Acceptable	Strong	Sound	Sound	$3,461Fees	0.158%Above	33
19	Peoples BankBank	Sound	Acceptable	Strong	Sound	Sound	$3,286Fees	0.014%Below	23
20	WASHINGTON FEDERAL BANKBank	Sound	Mediocre	Strong	Acceptable	Strong	$5,408Fees	0.426%Above	40

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.