Safe Rate Rankings

Best Mortgage Company 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 Lenders37

Total Loans6,841

Median Rate Spread0.25%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Sound	Strong	$1,249Fees	0.111%Below	99
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,275Fees	0.039%Below	695
3	SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company	Strong	Strong	Strong	Strong	$635Fees	0.005%Below	88
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,727Fees	0.123%Above	623
5	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,433Fees	0.382%Above	418
6	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,592Fees	0.272%Above	326
7	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,300Fees	0.354%Above	324
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,625Fees	0.177%Above	218
9	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,802Fees	0.005%Below	175
10	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$4,191Fees	0.046%Above	118
11	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$426Fees	0.436%Above	114
12	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,203Fees	0.034%Below	77
13	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,363Fees	0.187%Above	74
14	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,975Fees	0.454%Above	409
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,798Fees	0.340%Above	217
16	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,321Fees	0.304%Above	141
17	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$5,589Fees	0.265%Above	73
18	RESICENTRAL, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$297Fees	0.110%Above	46
19	General Mortgage Capital CorporationIndependent Mortgage Company	Strong	Sound	Strong	Sound	$738Fees	0.127%Below	38
20	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$4,978Fees	0.493%Above	289
21	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,774Fees	0.102%Above	100
22	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,265Fees	0.225%Above	58
23	SCENIC OAKS FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,180Fees	0.397%Above	50
24	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$2,211Fees	0.103%Above	41
25	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,815Fees	0.348%Above	34
26	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$4,424Fees	0.352%Above	191
27	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$1,551Fees	0.286%Above	150
28	EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$5,444Fees	0.523%Above	140
29	OriginPoint, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,807Fees	0.263%Above	77
30	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,952Fees	0.057%Below	46
31	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$5,355Fees	0.517%Above	34
32	KIND LENDING, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,416Fees	0.200%Above	29
33	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$5,076Fees	0.191%Above	31
34	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$5,684Fees	0.501%Above	38
35	PRIORITY HOME LENDING, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Strong	$4,308Fees	0.460%Above	38
36	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$5,199Fees	0.403%Above	27

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.