The Mortgage Record
Lender report card · New Jersey

Everett Financial, Inc.

Dallas, TX · What the federal mortgage record shows about how Everett Financial, Inc. treated New Jersey applicants, 2018–2025 — 679 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
78.2%
531 approved
Denial rate
21.8%
148 denied
Decisions
679
2018–2025
Avg. rate spread
+0.79 pp
vs. market benchmark
78.2% approved
21.8% denied

Share of 679 New Jersey applications Everett Financial, Inc. approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional83.2% of 434 · NJ 87%FHA67.3% of 220 · NJ 79%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

61%69%77%85%93%75%69%88%92%87%64%84%89%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Everett Financial, Inc.’s rates ran +0.36 pp higher than the typical New Jersey lender (average rate spread +0.79 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Everett Financial, Inc. approves

By income
Under $50k47.9% · 48$50–75k73.4% · 94$75–100k79.8% · 119$100–150k83.0% · 194$150–250k81.1% · 164$250k+84.5% · 58
By debt-to-income
Under 36%82.2% · 18036–43%85.4% · 15843–50%86.1% · 202Over 50%53.6% · 138
By down payment (LTV)
20%+ down79.4% · 32010–20% down83.1% · 895–10% down82.8% · 643–5% down66.7% · 48Under 3% down82.9% · 35

Why Everett Financial, Inc. denied applications

Debt-to-income ratio45% of denialsCredit history16% of denialsCollateral (value/type)15% of denialsIncomplete application14% of denialsOther8% of denialsUnverifiable information7% of denials

Where Everett Financial, Inc. lends in NJ

CountyDecisionsApproval
Bergen County7983.5%
Essex County5572.7%
Ocean County5180.4%
Gloucester County4783.0%
Morris County4584.4%
Camden County4180.5%
Hudson County4180.5%
Middlesex County3860.5%

Fees & closing costs

Median total loan costs
$8,001
home purchase
As % of loan
2.70%
NJ median 1.93%
Priced originations
257
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Everett Financial, Inc.’s home-purchase originations — 0.77 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $117. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Everett Financial, Inc. to other lenders for your profile

Enter your income, county, DTI and down payment to see who approves borrowers like you.

Open the approval tool →

Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Everett Financial, Inc. (LEI 549300XWUSRVVOHPRY47). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →