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Everett Financial's 13.1k closed loans and 17k applications, benchmarked against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
National · 49 mkts
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- High volume lender with significant market experience
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 68 basis points above market average
- Higher than average fees ($4,249)
Explore another lender or local market
Report Card
Everett Financial, Inc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +67.8 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 10% of lenders | |
VA | Market Leader Top 20% of lenders | |
Jumbo | Market Leader Top 20% of lenders | |
USDA | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 7,965 | 60.8% | +0.574%Above | $4,237Fees | ||||
FHA Loans | 4,148 | 31.6% | +1.017%Above | $4,362Fees | ||||
VA Loans | 726 | 5.5% | +0.143%Above | $3,857Fees | ||||
Jumbo Loans | 162 | 1.2% | +0.312%Above | $4,146Fees | ||||
USDA Loans | 109 | 0.8% | +0.574%Above | $2,843Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 12,067 | 92.0% | +0.678%Above | $4,257Fees | ||||
Refinance | 1,043 | 8.0% | +0.682%Above | $4,153Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
13,110
Applications
17,425
Volume
$4 billion
Pricing & Closing
Avg Rate Spread
+0.678%
vs. market APOR
Avg Net Fees
$4,249
Origination − Credits
Pullthrough Rate
75.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$348,171
Avg Borrower Income
$143,892
Avg Property Value
$433,436
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
49
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Dallas, TXMSA
Volume: 1,549Mix: 11.82%of portfolio
Place
Exceptional2
Atlanta, GAMSA
Volume: 1,199Mix: 9.15%of portfolio
Place
Exceptional3
Marietta, GA, GAMSA
Volume: 460Mix: 3.51%of portfolio
Place
Exceptional4
Fort Worth, TXMSA
Volume: 598Mix: 4.56%of portfolio
Place
Exceptional5
Paducah, KY, KY-ILMSA
Volume: 49Mix: 0.37%of portfolio
Place
Exceptional6
Syracuse, NY, NYMSA
Volume: 249Mix: 1.90%of portfolio
Place
Strong7
Minneapolis, MN-WIMSA
Volume: 592Mix: 4.52%of portfolio
Place
Strong8
Homosassa Springs, FL, FLMSA
Volume: 73Mix: 0.56%of portfolio
Place
Strong9
Oakland, CAMSA
Volume: 266Mix: 2.03%of portfolio
Place
Strong10
Houston, TXMSA
Volume: 573Mix: 4.37%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 3,449Mix: 26.31%of portfolio
Place
Exceptional2
GAState
Volume: 1,971Mix: 15.03%of portfolio
Place
Exceptional3
FLState
Volume: 2,431Mix: 18.54%of portfolio
Place
Exceptional4
MNState
Volume: 822Mix: 6.27%of portfolio
Place
Exceptional5
NYState
Volume: 678Mix: 5.17%of portfolio
Place
Strong6
KYState
Volume: 266Mix: 2.03%of portfolio
Place
Strong7
CAState
Volume: 823Mix: 6.28%of portfolio
Place
Strong8
TNState
Volume: 257Mix: 1.96%of portfolio
Place
Strong9
VAState
Volume: 242Mix: 1.85%of portfolio
Place
Strong10
COState
Volume: 257Mix: 1.96%of portfolio
Place
StrongShowing 10 of 39 states
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
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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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.