Safe Rate Rankings

Best Conventional 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	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	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,249Fees	0.111%Below	99
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$484Fees	0.684%Below	67
4	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,091Credit	0.327%Below	48
5	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$150Credit	0.343%Below	172
6	Global Federal Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Strong	$961Fees	0.741%Below	87
7	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$568Fees	0.091%Below	83
8	Boeing Employees Credit UnionCredit Union	Exceptional	Strong	Strong	Sound	Exceptional	$732Fees	0.037%Below	456
9	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,108Fees	0.081%Below	241
10	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,524Fees	0.021%Below	142
11	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$182Fees	0.073%Above	40
12	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$701Fees	0.209%Below	35
13	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,275Fees	0.039%Below	695
14	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,727Fees	0.123%Above	623
15	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,625Fees	0.177%Above	218
16	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$4,191Fees	0.046%Above	118
17	SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company	Strong	Strong	Strong	Sound	Strong	$635Fees	0.005%Below	88
18	HSBC BANK USA, NATIONAL ASSOCIATIONBank	Strong	Strong	Strong	Sound	Strong	$218Credit	0.146%Below	55
19	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,433Fees	0.382%Above	418
20	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,975Fees	0.454%Above	409
21	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,592Fees	0.272%Above	326
22	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,300Fees	0.354%Above	324
23	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,802Fees	0.005%Below	175
24	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$2,211Fees	0.103%Above	41
25	Zions Bancorporation, N.A.Bank	Strong	Strong	Strong	Sound	Sound	$547Fees	0.072%Above	29
26	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Sound	$228Credit	0.039%Above	25
27	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,798Fees	0.340%Above	217
28	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,774Fees	0.102%Above	100
29	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,203Fees	0.034%Below	77
30	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,363Fees	0.187%Above	74
31	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,589Fees	0.265%Above	73
32	FIRST TECHNOLOGY FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Strong	Sound	Strong	$585Credit	0.139%Below	52
33	RESICENTRAL, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$297Fees	0.110%Above	46
34	General Mortgage Capital CorporationIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$738Fees	0.127%Below	38
35	NexBankBank	Strong	Sound	Strong	Strong	Sound	$556Fees	0.087%Above	29
36	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,978Fees	0.493%Above	289
37	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,424Fees	0.352%Above	191
38	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$1,551Fees	0.286%Above	150
39	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$426Fees	0.436%Above	114
40	1st Security Bank of WashingtonBank	Strong	Acceptable	Strong	Strong	Strong	$3,155Fees	0.211%Above	98
41	SCENIC OAKS FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,180Fees	0.397%Above	50
42	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,952Fees	0.057%Below	46
43	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,815Fees	0.348%Above	34
44	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,416Fees	0.200%Above	29
45	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,199Fees	0.403%Above	27
46	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,148Fees	0.016%Below	23
47	OriginPoint, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,807Fees	0.263%Above	77
48	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,265Fees	0.225%Above	58
49	HomeStreet BankBank	Strong	Acceptable	Strong	Sound	Strong	$2,922Fees	0.304%Above	33
50	Umpqua BankBank	Strong	Acceptable	Strong	Strong	Sound	$3,336Fees	0.244%Above	32

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.