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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 FHA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,275 | -0.039% | 695 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,203 | -0.034% | 77 | |
3 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,802 | -0.005% | 175 | |
4 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $701 | -0.209% | 35 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,727 | +0.123% | 623 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,625 | +0.177% | 218 | |
7 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $426 | +0.436% | 114 | |
8 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,774 | +0.102% | 100 | |
9 | 1st Security Bank of Washington | Strong | Sound | Strong | Exceptional | Strong | $3,155 | +0.211% | 98 | |
10 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,433 | +0.382% | 418 | |
11 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,592 | +0.272% | 326 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,300 | +0.354% | 324 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,798 | +0.340% | 217 | |
14 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,551 | +0.286% | 150 | |
15 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,206 | +0.408% | 147 | |
16 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,321 | +0.304% | 141 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,589 | +0.265% | 73 | |
18 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $2,148 | -0.016% | 23 | |
19 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,978 | +0.493% | 289 | |
20 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,191 | +0.046% | 118 | |
21 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,363 | +0.187% | 74 | |
22 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,815 | +0.348% | 34 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,975 | +0.454% | 409 | |
24 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,444 | +0.523% | 140 | |
25 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,355 | +0.517% | 34 | |
26 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Sound | $5,076 | +0.191% | 31 | |
27 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,424 | +0.352% | 191 | |
28 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,952 | -0.057% | 46 | |
29 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $5,684 | +0.501% | 38 |
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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