What loan types does Everett Financial offer?

Everett Financial offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Everett Financial offer mortgages?

Everett Financial is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Everett Financial's mortgage rates?

Everett Financial has an overall pricing score of 12.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Everett Financial?

Everett Financial is a Independent Mortgage Company headquartered in AUSTIN, US.

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Everett Financial

Independent Mortgage Company•Austin, USHQ•Direct•Reviews near you on Google

Everett Financial's 13.1k closed loans and 17k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

National · 49 mkts

Awards

FHA

Superstar

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 performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+67.8 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 10% of lenders

Exceptional

Top 20% of lenders

Jumbo

Exceptional

Top 20% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Exceptional	Mediocre	Strong	7,965	60.8%	+0.574%Above	$4,237Fees
FHA Loans	Sound	Exceptional	Mediocre	Exceptional	4,148	31.6%	+1.017%Above	$4,362Fees
VA Loans	Sound	Exceptional	Mediocre	Strong	726	5.5%	+0.143%Above	$3,857Fees
Jumbo Loans	Sound	Exceptional	Mediocre	Sound	162	1.2%	+0.312%Above	$4,146Fees
USDA Loans	Sound	Exceptional	Mediocre	Strong	109	0.8%	+0.574%Above	$2,843Fees

Conventional

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Strong

Volume7,965

Mix60.8%

Spread

+0.574%Above

Fees

$4,237Fees

FHA Loans

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Exceptional

Volume4,148

Mix31.6%

Spread

+1.017%Above

Fees

$4,362Fees

VA Loans

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Strong

Volume726

Mix5.5%

Spread

+0.143%Above

Fees

$3,857Fees

Jumbo Loans

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Sound

Volume162

Mix1.2%

Spread

+0.312%Above

Fees

$4,146Fees

USDA Loans

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Strong

Volume109

Mix0.8%

Spread

+0.574%Above

Fees

$2,843Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Exceptional	Mediocre	Strong	12,067	92.0%	+0.678%Above	$4,257Fees
Refinance	Sound	Strong	Mediocre	Sound	1,043	8.0%	+0.682%Above	$4,153Fees

Purchase

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Strong

Volume12,067

Mix92.0%

Spread

+0.678%Above

Fees

$4,257Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume1,043

Mix8.0%

Spread

+0.682%Above

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast9

CTMEMANHNJNYPARIVT

Midwest11

IAILINKSMIMNMONDNEOHWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West12

AZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Michael Barera · CC BY-SA 4.0

Dallas, TXMetro

Volume 1,549Mix 11.82% of portfolio

91/100

Exceptional

2© Warren LeMay from Cincinnati, OH, United States · CC0

Atlanta, GAMetro

Volume 1,199Mix 9.15% of portfolio

89/100

Exceptional

3© Bubba73 · CC BY-SA 3.0

Marietta, GAMetro

Volume 460Mix 3.51% of portfolio

88/100

Exceptional

4© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0

Fort Worth, TXMetro

Volume 598Mix 4.56% of portfolio

87/100

Exceptional

Paducah, KY, KY-ILMetro

Volume 49Mix 0.37% of portfolio

85/100

Exceptional

Syracuse, NYMetro

Volume 249Mix 1.90% of portfolio

79/100

Strong

Minneapolis, MN-WIMetro

Volume 592Mix 4.52% of portfolio

78/100

Strong

Homosassa Springs, FLMetro

Volume 73Mix 0.56% of portfolio

78/100

Strong

Oakland, CAMetro

Volume 266Mix 2.03% of portfolio

78/100

Strong

Houston, TXMetro

Volume 573Mix 4.37% of portfolio

77/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

TexasState

Volume 3,449Mix 26.31% of portfolio

88/100

Exceptional

GeorgiaState

Volume 1,971Mix 15.03% of portfolio

88/100

Exceptional

FloridaState

Volume 2,431Mix 18.54% of portfolio

83/100

Exceptional

MinnesotaState

Volume 822Mix 6.27% of portfolio

80/100

Exceptional

New YorkState

Volume 678Mix 5.17% of portfolio

76/100

Strong

KentuckyState

Volume 266Mix 2.03% of portfolio

72/100

Strong

CaliforniaState

Volume 823Mix 6.28% of portfolio

71/100

Strong

TennesseeState

Volume 257Mix 1.96% of portfolio

67/100

Strong

VirginiaState

Volume 242Mix 1.85% of portfolio

67/100

Strong

ColoradoState

Volume 257Mix 1.96% of portfolio

66/100

Strong

Showing 10 of 39 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.