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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$21 | -0.126% | 271 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,249 | -0.111% | 99 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $484 | -0.684% | 67 | |
4 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | -$1,091 | -0.327% | 48 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$150 | -0.343% | 172 | |
6 | Global Federal Credit Union | Exceptional | Strong | Exceptional | Strong | Strong | $961 | -0.741% | 87 | |
7 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $568 | -0.091% | 83 | |
8 | Boeing Employees Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $732 | -0.037% | 456 | |
9 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,108 | -0.081% | 241 | |
10 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,524 | -0.021% | 142 | |
11 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $182 | +0.073% | 40 | |
12 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $701 | -0.209% | 35 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,275 | -0.039% | 695 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,727 | +0.123% | 623 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,625 | +0.177% | 218 | |
16 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $4,191 | +0.046% | 118 | |
17 | SAMMAMISH MORTGAGE COMPANY | Strong | Strong | Strong | Sound | Strong | $635 | -0.005% | 88 | |
18 | HSBC BANK USA, NATIONAL ASSOCIATION | Strong | Strong | Strong | Sound | Strong | -$218 | -0.146% | 55 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,433 | +0.382% | 418 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,975 | +0.454% | 409 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,592 | +0.272% | 326 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,300 | +0.354% | 324 | |
23 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,802 | -0.005% | 175 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,211 | +0.103% | 41 | |
25 | Zions Bancorporation, N.A. | Strong | Strong | Strong | Sound | Sound | $547 | +0.072% | 29 | |
26 | BMO Bank National Association | Strong | Strong | Strong | Sound | Sound | -$228 | +0.039% | 25 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,798 | +0.340% | 217 | |
28 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,774 | +0.102% | 100 | |
29 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,203 | -0.034% | 77 | |
30 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,363 | +0.187% | 74 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $5,589 | +0.265% | 73 | |
32 | FIRST TECHNOLOGY FEDERAL CREDIT UNION | Strong | Sound | Strong | Sound | Strong | -$585 | -0.139% | 52 | |
33 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | $297 | +0.110% | 46 | |
34 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | Sound | $738 | -0.127% | 38 | |
35 | NexBank | Strong | Sound | Strong | Strong | Sound | $556 | +0.087% | 29 | |
36 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,978 | +0.493% | 289 | |
37 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,424 | +0.352% | 191 | |
38 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,551 | +0.286% | 150 | |
39 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $426 | +0.436% | 114 | |
40 | 1st Security Bank of Washington | Strong | Acceptable | Strong | Strong | Strong | $3,155 | +0.211% | 98 | |
41 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,180 | +0.397% | 50 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,952 | -0.057% | 46 | |
43 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,815 | +0.348% | 34 | |
44 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,416 | +0.200% | 29 | |
45 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Sound | $5,199 | +0.403% | 27 | |
46 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,148 | -0.016% | 23 | |
47 | OriginPoint, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,807 | +0.263% | 77 | |
48 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,265 | +0.225% | 58 | |
49 | HomeStreet Bank | Strong | Acceptable | Strong | Sound | Strong | $2,922 | +0.304% | 33 | |
50 | Umpqua Bank | Strong | Acceptable | Strong | Strong | Sound | $3,336 | +0.244% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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