Everett
Metropolitan Statistical Area · MSA Code 21794
According to CFPB HMDA 2024 application volume among tracked metros, Everett ranks #88 of 418.
Mortgage lending activity in the Everett metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Everett Metropolitan Statistical Area (MSA code 21794) financed its book at an average note rate of 7.37%. 20 major lenders are tracked for this metro - Boeing Employees' Credit Union, Rocket Mortgage, United Wholesale Mortgage lead by origination volume. Among the 418 metros tracked, Everett sits in the 65th percentile for approval-friendliness by denial rate, and shares its 5-point denial-rate band with 241 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Everett denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 15.5% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $460,410 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Everett
In Everett, lead originator Boeing Employees' Credit Union funded 17.0% of 17,576 originated loans, above the fleet's upper tercile (~12.8% top-1). The top three reporters together hold 27.5% of the book, so a handful of names dominate disclosed volume here.
Metros With a Similar Denial Rate
The metro areas closest to Everett's 15.5% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Everett's 31,893 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Everett's $460,410 average loan (deduped against denial and volume peers).
Lenders active in the Everett metro
Boeing Employees' Credit Union funded 2,984 of the 17,576 loans originated here, 17.0% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Boeing Employees' Credit Union | 2,984 | 4,751 | $243,293 | 17.0% |
| 2 | Rocket Mortgage | 929 | 1,213 | $418,050 | 5.3% |
| 3 | United Wholesale Mortgage | 922 | 1,142 | $558,669 | 5.2% |
| 4 | Movement Mortgage, LLC | 497 | 710 | $518,620 | 2.8% |
| 5 | Bank of America NA | 484 | 1,097 | $348,637 | 2.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For the Everett metropolitan area, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- Metropolitan Statistical Areas are defined by the U.S. Office of Management and Budget (OMB). Not financial advice for Everett borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.