# EVERETT FINANCIAL, INC.

> **Canonical URL:** https://saferate.com/lenders/everett-financial


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


EVERETT FINANCIAL, INC. is a independent mortgage company, headquartered in AUSTIN, US, serving borrowers nationwide, with 13,110 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 87% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 20% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300XWUSRVVOHPRY47
- **Headquarters:** AUSTIN, US
- **Geographic Reach:** National
- **States Served:** 49
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 13/100
- Rating: ●○○○○ (1/5)

### Pull Through: Exceptional 🤩
- Score: 80/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.678%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,249
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 13,110
- **Dollar Volume:** $4.6 billion
- **Applications Received:** 17,425
- **Market Share:** 37.00%

## Typical Borrower Profile

- **Average Loan Amount:** $348,171
- **Average Borrower Income:** $143,892
- **Average Property Value:** $433,436

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 84/100 | 7,965 | +0.574% | $4,237 | Exceptional 🤩 |
| FHA | 90/100 | 4,148 | +1.017% | $4,362 | Exceptional 🤩 |
| VA | 83/100 | 726 | +0.143% | $3,857 | Exceptional 🤩 |
| Jumbo | 80/100 | 162 | +0.312% | $4,146 | Exceptional 🤩 |
| USDA | 87/100 | 109 | +0.574% | $2,843 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 7,255 loans, Score: 85/100 (Exceptional)
- Refinance: 710 loans, Score: 71/100 (Strong)

**FHA:**
- Purchase: 3,887 loans, Score: 91/100 (Exceptional)
- Refinance: 261 loans, Score: 81/100 (Exceptional)

**VA:**
- Purchase: 682 loans, Score: 83/100 (Exceptional)
- Refinance: 44 loans, Score: 77/100 (Strong)

**Jumbo:**
- Purchase: 134 loans, Score: 81/100 (Exceptional)
- Refinance: 28 loans, Score: 79/100 (Strong)

**USDA:**
- Purchase: 109 loans, Score: 87/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 88/100 | 12,067 | $4.2B | +0.678% | Exceptional 🤩 |
| Refinance | 73/100 | 1,043 | $359M | +0.682% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 3,449 | 0.99% | 88/100 |
| FL | 2,431 | 0.83% | 83/100 |
| GA | 1,971 | 1.43% | 88/100 |
| CA | 823 | 0.29% | 71/100 |
| MN | 822 | 1.27% | 80/100 |
| NY | 678 | 0.60% | 76/100 |
| KY | 266 | 0.57% | 72/100 |
| CO | 257 | 0.31% | 66/100 |
| TN | 257 | 0.28% | 67/100 |
| MO | 251 | 0.34% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dallas | TX | 1,549 | 91/100 |
| Atlanta | GA | 1,199 | 89/100 |
| Non |  | 1,159 | 75/100 |
| Fort Worth | TX | 598 | 87/100 |
| Minneapolis | MN-WI | 592 | 78/100 |
| Houston | TX | 573 | 77/100 |
| Marietta, GA | GA | 460 | 88/100 |
| Tampa, FL | FL | 367 | 77/100 |
| Fort Lauderdale | FL | 276 | 75/100 |
| Oakland | CA | 266 | 78/100 |
| West Palm Beach | FL | 254 | 77/100 |
| Syracuse, NY | NY | 249 | 79/100 |
| Austin | TX | 242 | 75/100 |
| Jacksonville, FL | FL | 199 | 72/100 |
| Orlando | FL | 194 | 69/100 |

## Where This Lender Ranks

EVERETT FINANCIAL, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Paducah, KY for USDA Loans
  - [View Full Rankings](https://saferate.com/paducah-ky/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Paducah, KY for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/paducah-ky/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in La Crosse for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Binghamton, NY for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#4** in Elmira, NY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/elmira-ny/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in La Crosse for FHA Loans
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Binghamton, NY for VA Loans
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Elmira, NY Mortgage Companies
  - [View Full Rankings](https://saferate.com/elmira-ny/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Elmira, NY for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/elmira-ny/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in Paducah, KY Mortgage Companies
  - [View Full Rankings](https://saferate.com/paducah-ky/best-mortgage-lenders/mortgage-companies)
- 🏆 **#6** in Paducah, KY for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/paducah-ky/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in Elmira, NY for FHA Loans
  - [View Full Rankings](https://saferate.com/elmira-ny/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Binghamton, NY Mortgage Companies
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Binghamton, NY for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#7** in Paducah, KY for FHA Loans
  - [View Full Rankings](https://saferate.com/paducah-ky/best-mortgage-lenders/fha-loans)
- 🏆 **#8** in Jacksonville, FL for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#8** in Binghamton, NY for FHA Loans
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/fha-loans)
- 🏆 **#8** in Paducah, KY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/paducah-ky/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Harrisonburg, VA Mortgage Companies
  - [View Full Rankings](https://saferate.com/harrisonburg-va/best-mortgage-lenders/mortgage-companies)
- 🏆 **#9** in La Crosse for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does EVERETT FINANCIAL, INC. offer?

EVERETT FINANCIAL, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does EVERETT FINANCIAL, INC. offer mortgages?

EVERETT FINANCIAL, INC. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are EVERETT FINANCIAL, INC.'s mortgage rates?

EVERETT FINANCIAL, INC. has a pricing score of 13/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.678% above market average.

### What type of lender is EVERETT FINANCIAL, INC.?

EVERETT FINANCIAL, INC. is a non-depository lender that specializes in mortgage origination, headquartered in AUSTIN, US.

### What is EVERETT FINANCIAL, INC.'s loan approval success rate?

EVERETT FINANCIAL, INC. has a pull-through score of 80/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/everett-financial

### How to Cite

> "EVERETT FINANCIAL, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/everett-financial

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