Safe Rate Rankings

Best Jumbo 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 Lenders12

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	Exceptional	Exceptional	Strong	Exceptional	$21Credit	0.126%Below	271
2	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$150Credit	0.343%Below	172
3	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,524Fees	0.021%Below	142
4	HSBC BANK USA, NATIONAL ASSOCIATIONBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$218Credit	0.146%Below	55
5	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,091Credit	0.327%Below	48
6	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,108Fees	0.081%Below	241
7	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$568Fees	0.091%Below	83
8	BMO Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$228Credit	0.039%Above	25
9	PNC Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$182Fees	0.073%Above	40
10	Umpqua BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,336Fees	0.244%Above	32
11	WASHINGTON FEDERAL BANKBank	Sound	Mediocre	Exceptional	Sound	Strong	$5,408Fees	0.426%Above	40
12	1st Security Bank of WashingtonBank	Sound	Mediocre	Strong	Sound	Strong	$3,155Fees	0.211%Above	98

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.