Safe Rate Rankings

Best Jumbo 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%

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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	Global Federal Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Strong	Strong	$961Fees	0.741%Below	87
5	HSBC BANK USA, NATIONAL ASSOCIATIONBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$218Credit	0.146%Below	55
6	FIRST TECHNOLOGY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Strong	Strong	$585Credit	0.139%Below	52
7	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,091Credit	0.327%Below	48
8	Boeing Employees Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Exceptional	$732Fees	0.037%Below	456
9	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,363Fees	0.187%Above	74
10	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,275Fees	0.039%Below	695
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,727Fees	0.123%Above	623
12	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,433Fees	0.382%Above	418
13	CMG MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,592Fees	0.272%Above	326
14	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,108Fees	0.081%Below	241
15	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$568Fees	0.091%Below	83
16	BMO Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$228Credit	0.039%Above	25
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,802Fees	0.005%Below	175
18	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,975Fees	0.454%Above	409
19	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,300Fees	0.354%Above	324
20	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,625Fees	0.177%Above	218
21	OriginPoint, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,807Fees	0.263%Above	77
22	PNC Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$182Fees	0.073%Above	40
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,798Fees	0.340%Above	217
24	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$1,551Fees	0.286%Above	150
25	Umpqua BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,336Fees	0.244%Above	32
26	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Sound	Exceptional	$4,978Fees	0.493%Above	289
27	WASHINGTON FEDERAL BANKBank	Sound	Mediocre	Exceptional	Sound	Strong	$5,408Fees	0.426%Above	40
28	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.