Purchase Originations
10,920
Ranked #36 nationally
Median Total Costs
$9,549
+43.0% vs national ($6,680)
↓ $186 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$4,234
Median Lender Credits
$212
Cost Rank (500+ vol.)
#524
among lenders with 500+ originations
Denial Rate
5.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 5,855 | 6.875% | $7,787 | $4,325 |
| fha | 4,143 | 6.625% | $12,921 | $4,408 |
| va | 788 | 6.500% | $8,392 | $2,229 |
| usda | 134 | 6.625% | $7,404 | $2,840 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 2,047 | 6.750% | $11,239 | #28 |
| Florida | 1,968 | 6.750% | $10,040 | #21 |
| Georgia | 1,668 | 6.750% | $11,635 | #10 |
| California | 717 | 6.625% | $13,403 | #57 |
| Minnesota | 712 | 6.875% | $7,841 | #20 |
| New York | 578 | 6.625% | $6,606 | #44 |
| Michigan | 446 | 6.625% | $5,738 | #46 |
| Kentucky | 303 | 6.500% | $9,083 | #35 |
| Tennessee | 299 | 6.625% | $9,260 | #56 |
| Colorado | 238 | 6.625% | $10,661 | #67 |
| Missouri | 238 | 6.875% | $5,882 | #49 |
| Indiana | 156 | 6.875% | $7,399 | #99 |
| Virginia | 133 | 6.750% | $9,372 | #104 |
| North Carolina | 120 | 6.625% | $8,899 | #139 |
| Ohio | 92 | 6.750% | $8,374 | #142 |
| Alabama | 89 | 6.625% | $8,310 | #100 |
| Wisconsin | 83 | 6.750% | $6,968 | #107 |
| Pennsylvania | 80 | 6.625% | $8,110 | #178 |
| New Hampshire | 78 | 6.562% | $7,609 | #35 |
| Louisiana | 70 | 6.562% | $7,746 | #68 |
| Oklahoma | 70 | 6.750% | $8,445 | #84 |
| Maryland | 64 | 6.688% | $9,812 | #121 |
| New Jersey | 60 | 6.875% | $8,855 | #141 |
| Oregon | 54 | 6.625% | $9,292 | #98 |
| South Carolina | 53 | 6.625% | $9,189 | #160 |
| Nebraska | 50 | 6.625% | $4,640 | #57 |
| Mississippi | 45 | 6.625% | $11,767 | — |
| Illinois | 44 | 6.750% | $8,718 | — |
| Arkansas | 43 | 6.750% | $7,182 | — |
| New Mexico | 39 | 6.500% | $6,529 | — |
| Arizona | 35 | 6.625% | $9,551 | — |
| Washington | 31 | 6.625% | $8,724 | — |
| Connecticut | 25 | 6.750% | $8,447 | — |
| Kansas | 24 | 6.812% | $6,466 | — |
| Idaho | 23 | 6.250% | $7,643 | — |
| Maine | 22 | 6.625% | $10,209 | — |
| Puerto Rico | 21 | 6.500% | $12,926 | — |
| West Virginia | 21 | 6.500% | $9,669 | — |
| Massachusetts | 14 | 6.875% | $8,919 | — |
| Montana | 14 | 5.933% | $9,801 | — |
| Nevada | 13 | 6.750% | $9,743 | — |
| Utah | 13 | 6.875% | $8,735 | — |
| Iowa | 9 | 6.500% | $4,352 | — |
| Rhode Island | 6 | 6.990% | $14,175 | — |
| Wyoming | 4 | 6.750% | $7,491 | — |
| Vermont | 3 | 6.625% | $8,242 | — |
| District of Columbia | 2 | 6.750% | $13,608 | — |
| Delaware | 2 | 7.062% | $4,680 | — |
| South Dakota | 1 | 7.000% | $8,058 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,179 | 6.625% | — | 135 | −$3,370 | |
| 2 | $7,199 | 6.875% | — | 179 | −$2,350 | |
| 3 | $8,199 | 6.750% | — | 123 | −$1,350 | |
| 4 | $8,990 | 6.875% | — | 216 | −$559 | |
| 5 | $9,029 | 6.750% | — | 134 | −$520 | |
| 6 | $9,548 | 6.875% | — | 194 | −$1 | |
| 7 | $10,157 | 6.750% | — | 95 | +$608 | |
| 8 | $10,288 | 6.875% | — | 154 | +$739 | |
| 9 | $10,596 | 6.750% | — | 285 | +$1,047 | |
| 10 | $10,801 | 6.750% | — | 208 | +$1,252 | |
| 11 | $10,896 | 6.625% | — | 152 | +$1,347 | |
| 12 | $10,961 | 6.625% | — | 144 | +$1,412 | |
| 13 | $11,044 | 6.750% | — | 202 | +$1,495 | |
| 14 | $11,484 | 6.625% | — | 376 | +$1,935 | |
| 15 | $11,722 | 6.500% | — | 98 | +$2,173 | |
| 16 | $11,985 | 6.625% | — | 221 | +$2,436 | |
| 17 | $12,604 | 6.750% | — | 113 | +$3,055 | |
| 18 | $13,647 | 6.625% | — | 172 | +$4,098 | |
| 19 | $15,266 | 6.625% | — | 95 | +$5,717 | |
| 20 | $15,720 | 6.750% | — | 181 | +$6,171 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Everett Financial, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $9,549 | $7,127 | +$2,422 (+34.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.