Everett Financial, Inc.: 2025 mortgage rates, costs & approvals
How Everett Financial, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: EVERETT FINANCIAL, INC. · LEI 549300XWUSRVVOHPRY47
In 2025, Everett Financial, Inc. originated 12,319 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 49 states — 41st by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.875% (all lenders: 6.625%); its median rate spread was 35 basis points above the national median. Median conventional loan costs were $7,840, 41% higher than the national median ($5,570).
It denied 6.7% of completed home-purchase applications (all lenders: 8.5%).
How Everett Financial, Inc. priced home-purchase loans
| Purchase loans, 2025 | Everett Financial, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.875% | 6.625% |
| 30-year fixed rate · FHA | 6.625% | 6.250% |
| 30-year fixed rate · VA | 6.500% | 6.125% |
| 15-year fixed rate · conventional | 5.990% | 5.875% |
| Rate spread vs. APOR · conventional | +0.48 pts | +0.13 pts |
| Total loan costs · conventional | $7,840 | $5,570 |
| Total loan costs · FHA | $13,080 | $11,310 |
| Total loan costs · VA | $8,480 | $6,490 |
| Origination charges (all types) | $4,280 | $1,860 |
| Borrowers paying discount points | 61.6% | 51.3% |
| Points paid, when paid (% of loan) | 0.99% | 0.87% |
| Borrowers receiving lender credits | 38.6% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Everett Financial, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Everett Financial, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 2,339 | 2,496 | 5.2% | 6.875% | $8,930 |
| Florida | 2,060 | 2,314 | 9.2% | 6.875% | $8,080 |
| Georgia | 1,798 | 2,072 | 12.3% | 6.875% | $9,820 |
| California | 910 | 962 | 2.9% | 6.750% | $10,520 |
| Minnesota | 796 | 822 | 1.8% | 6.875% | $7,130 |
| New York | 613 | 663 | 4.9% | 6.625% | $5,590 |
| Michigan | 518 | 595 | 5.9% | 6.625% | $5,160 |
| Colorado | 318 | 340 | 3.5% | 6.750% | $7,880 |
| Tennessee | 311 | 339 | 6.2% | 6.875% | $7,420 |
| Kentucky | 299 | 322 | 5.4% | 6.875% | $6,160 |
| Missouri | 283 | 298 | 4.7% | 6.875% | $5,010 |
| Indiana | 167 | 188 | 3.8% | 6.990% | $6,320 |
| Virginia | 162 | 183 | 4.9% | 6.875% | $6,360 |
| North Carolina | 144 | 161 | 3.2% | 6.625% | $8,900 |
| Alabama | 108 | 125 | 6.3% | 6.875% | $7,170 |
| Ohio | 106 | 134 | 10.9% | 6.750% | $7,210 |
| Wisconsin | 99 | 106 | 3.7% | 6.750% | $6,530 |
| Pennsylvania | 95 | 110 | 4.4% | 6.625% | $7,750 |
| New Hampshire | 93 | 97 | 2.7% | 6.750% | $7,360 |
| Maryland | 86 | 99 | 5.5% | 6.875% | $7,230 |
| Oklahoma | 83 | 102 | 9.9% | 6.875% | $5,440 |
| Louisiana | 79 | 85 | 4.0% | 6.750% | $7,120 |
| New Jersey | 78 | 86 | 7.6% | 6.875% | $6,510 |
| Nebraska | 72 | 74 | 1.9% | 6.875% | $4,350 |
| South Carolina | 64 | 71 | 7.7% | 6.625% | $6,380 |
| Oregon | 62 | 68 | 3.8% | 6.500% | $9,330 |
| Illinois | 58 | 78 | 10.7% | — | — |
| Arizona | 54 | 67 | 9.8% | 6.875% | $7,710 |
| Arkansas | 54 | 58 | 0.0% | — | — |
| Mississippi | 51 | 57 | 6.0% | — | — |
| New Mexico | 45 | 47 | 0.0% | — | — |
| Washington | 40 | 45 | 3.5% | 6.625% | $8,200 |
| Connecticut | 35 | 43 | 9.1% | — | — |
| Kansas | 33 | 35 | 3.9% | — | — |
| Maine | 29 | 29 | 0.0% | — | — |
| Idaho | 28 | 29 | 0.0% | — | — |
| West Virginia | 26 | 32 | 12.0% | — | — |
| Massachusetts | 26 | 27 | — | — | — |
| Utah | 23 | 23 | — | — | — |
| Montana | 22 | 22 | — | — | — |
| Iowa | 16 | 17 | — | — | — |
| Nevada | 15 | 17 | — | — | — |
| Rhode Island | 7 | 11 | — | — | — |
| Wyoming | 4 | 5 | — | — | — |
| Delaware | 3 | 3 | — | — | — |
| Vermont | 3 | 3 | — | — | — |
| District of Columbia | 2 | 7 | — | — | — |
| North Dakota | 1 | 1 | — | — | — |
| South Dakota | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Everett Financial, Inc.'s page for that state.
Counties where Everett Financial, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cortland County, NY | 1 | 44 | 14.1% |
| St. Francis County, AR | 3 | 8 | 10.1% |
| Trinity County, CA | 2 | 7 | 8.4% |
| Jackson County, CO | 8 | 1 | 7.7% |
| Cattaraugus County, NY | 4 | 30 | 6.5% |
| Chemung County, NY | 5 | 49 | 6.5% |
| Livingston County, KY | 5 | 4 | 6.0% |
| Muhlenberg County, KY | 5 | 17 | 5.8% |
| Dixie County, FL | 4 | 4 | 5.6% |
| Steuben County, NY | 6 | 41 | 5.3% |
| McCracken County, KY | 5 | 42 | 5.1% |
| Tioga County, PA | 6 | 16 | 4.9% |
| Chippewa County, MN | 7 | 5 | 4.7% |
| Johnson County, NE | 8 | 2 | 4.5% |
| Todd County, MN | 6 | 12 | 4.5% |
Check Everett Financial, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300XWUSRVVOHPRY47.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Everett Financial, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology