Evergreen Moneysource Mortgage Company Rates, Fees & Info
OLYMPIA, WALEI: 54930060G4MDPWHISD89
Tax ID: 91-1374387
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Mortgage Data
Review & Overview
Evergreen Moneysource Mortgage Company is a mid-sized mortgage company specializing in Home Purchase, Refi, and Cash Out Refi loans. Evergreen Moneysource Mortgage Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Seattle, Las Vegas, Portland, Boise City, and Bremerton among others. We have data for 105 markets. (Some data included below & more in-depth data is available with an active subscription.)Evergreen Moneysource Mortgage Company has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Evergreen Moneysource Mortgage Company is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.11% | 11/27/22 |
| 30 Year Conventional Refi | 6.99% | 11/27/22 |
| 30 Year Cash-out Refi | 7.17% | 11/27/22 |
| 30 Year FHA Purchase | 8.20% | 11/27/22 |
| 30 Year FHA Refi | 7.76% | 11/27/22 |
| 30 Year VA Purchase | 7.10% | 11/27/22 |
| 30 Year VA Refi | 6.74% | 11/27/22 |
| 30 Year USDA Purchase | 7.43% | 11/27/22 |
| 30 Year USDA Refi | 7.56% | 11/27/22 |
| 15 Year Conventional Purchase | 6.37% | 11/27/22 |
| 15 Year Conventional Refi | 6.42% | 11/27/22 |
| 15 Year Cash-out Refi | 6.42% | 11/27/22 |
| 15 Year FHA Refi | 7.38% | 11/27/22 |
| 15 Year VA Purchase | 5.90% | 11/27/22 |
| 15 Year VA Refi | 6.59% | 11/27/22 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Originations
14,992Origination Dollar Volume (All Markets)
$5,252,500,000Awards
EVERGREEN MONEYSOURCE MORTGAGE COMPANY - 2021
EVERGREEN MONEYSOURCE MORTGAGE COMPANY is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Evergreen Moneysource Mortgage Company's average 30 year fixed mortgage rate was
3.28%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of 0.13%.
Relative Fees (Closing Costs)
Evergreen Moneysource Mortgage Company's average total fees/closing costs for a 30 year fixed rate
mortgage were $7,440.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3,558 | $1,598,490,000 | $449,266 | $7,700 | 3.24% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1,440 | $452,070,000 | $313,938 | $7,305 | 3.29% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1,044 | $369,960,000 | $354,368 | $7,083 | 3.27% |
| BOISE CITY, ID (FHA|USDA|VA) | 1,296 | $369,490,000 | $285,100 | $8,000 | 3.04% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 917 | $333,455,000 | $363,637 | $7,300 | 3.23% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 413 | $156,505,000 | $378,947 | $6,685 | 3.23% |
| Outside of Metro Areas | 584 | $148,260,000 | $253,870 | $6,536 | 3.30% |
| MEDFORD, OR (FHA|USDA|VA) | 449 | $142,995,000 | $318,474 | $8,389 | 3.18% |
| Port Angeles, WA (FHA|USDA|VA) | 374 | $124,570,000 | $333,075 | $5,209 | 3.28% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 308 | $113,600,000 | $368,831 | $7,496 | 3.26% |
| RENO, NV (FHA|USDA|VA) | 283 | $100,565,000 | $355,353 | $4,313 | 3.14% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 259 | $89,595,000 | $345,927 | $8,075 | 3.29% |
| YAKIMA, WA (FHA|USDA|VA) | 294 | $75,470,000 | $256,701 | $6,085 | 3.34% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 252 | $73,490,000 | $291,627 | $6,848 | 3.32% |
| WENATCHEE, WA (FHA|USDA|VA) | 203 | $71,745,000 | $353,424 | $7,633 | 3.32% |
| BEND, OR (FHA|USDA|VA) | 216 | $71,030,000 | $328,843 | $7,087 | 3.36% |
| STOCKTON, CA (FHA|USDA|VA) | 214 | $67,840,000 | $317,009 | $8,513 | 3.40% |
| Ellensburg, WA (FHA|USDA|VA) | 168 | $57,190,000 | $340,417 | $7,576 | 3.23% |
| YUBA CITY, CA (FHA|USDA|VA) | 180 | $54,160,000 | $300,889 | $6,872 | 3.26% |
| Sandpoint, ID (FHA|USDA|VA) | 164 | $51,870,000 | $316,280 | $7,051 | 3.27% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 165 | $51,595,000 | $312,697 | $6,300 | 3.27% |
| LONGVIEW, WA (FHA|USDA|VA) | 182 | $50,810,000 | $279,176 | $8,375 | 3.37% |
| Shelton, WA (FHA|USDA|VA) | 157 | $49,395,000 | $314,618 | $7,723 | 3.41% |
| Moses Lake, WA (FHA|USDA|VA) | 161 | $44,425,000 | $275,932 | $8,025 | 3.32% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 82 | $36,340,000 | $443,171 | $6,683 | 3.30% |
| SALEM, OR (FHA|USDA|VA) | 119 | $35,515,000 | $298,445 | $7,387 | 3.46% |
| Newport, OR (FHA|USDA|VA) | 120 | $34,630,000 | $288,583 | $8,078 | 3.39% |
| Outside of Metro Areas | 88 | $29,030,000 | $329,886 | $6,688 | 3.24% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 92 | $28,000,000 | $304,348 | $6,314 | 3.32% |
| Oak Harbor, WA (FHA|USDA|VA) | 72 | $27,680,000 | $384,444 | $7,335 | 3.26% |
| CHICO, CA (FHA|USDA|VA) | 91 | $23,345,000 | $256,538 | $6,754 | 3.38% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 68 | $22,200,000 | $326,471 | $6,806 | 3.20% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 60 | $21,690,000 | $361,500 | $6,626 | 3.12% |
| Prineville, OR (FHA|USDA|VA) | 74 | $19,610,000 | $265,000 | $6,360 | 3.31% |
| Winnemucca, NV (FHA|USDA|VA) | 70 | $18,940,000 | $270,571 | $4,238 | 3.33% |
| Centralia, WA (FHA|USDA|VA) | 59 | $18,215,000 | $308,729 | $8,743 | 3.39% |
| Aberdeen, WA (FHA|USDA|VA) | 63 | $14,835,000 | $235,476 | $6,864 | 3.34% |
| GRANTS PASS, OR (FHA|USDA|VA) | 42 | $12,950,000 | $308,333 | $7,433 | 3.18% |
| MODESTO, CA (FHA|USDA|VA) | 38 | $12,660,000 | $333,158 | $8,934 | 3.51% |
| BELLINGHAM, WA (FHA|USDA|VA) | 31 | $11,885,000 | $383,387 | $7,648 | 3.16% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 23 | $11,335,000 | $492,826 | $10,293 | 3.37% |
| Fernley, NV (FHA|USDA|VA) | 35 | $9,705,000 | $277,286 | $6,112 | 3.35% |
| Pahrump, NV (FHA|USDA|VA) | 34 | $8,740,000 | $257,059 | $7,761 | 3.21% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 28 | $8,340,000 | $297,857 | $4,724 | 3.40% |
| Ontario, OR-ID (FHA|USDA|VA) | 33 | $7,385,000 | $223,788 | $6,286 | 3.03% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 23 | $6,755,000 | $293,696 | $8,209 | 3.35% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 12 | $6,580,000 | $548,333 | $7,949 | 3.08% |
| MERCED, CA (FHA|USDA|VA) | 19 | $5,695,000 | $299,737 | $7,246 | 2.98% |
| Klamath Falls, OR (FHA|USDA|VA) | 23 | $5,485,000 | $238,478 | $7,244 | 3.57% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 19 | $5,275,000 | $277,632 | $7,389 | 3.29% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 9 | $5,095,000 | $566,111 | $7,800 | 3.22% |
| Mountain Home, ID (FHA|USDA|VA) | 23 | $5,015,000 | $218,043 | $9,304 | 3.07% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 10 | $4,970,000 | $497,000 | $12,355 | 3.67% |
| WALLA WALLA, WA (FHA|USDA|VA) | 16 | $4,680,000 | $292,500 | $8,671 | 3.36% |
| Fallon, NV (FHA|USDA|VA) | 18 | $4,380,000 | $243,333 | $6,583 | 3.21% |
| CORVALLIS, OR (FHA|USDA|VA) | 13 | $4,315,000 | $331,923 | $7,359 | 3.34% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 6 | $3,830,000 | $638,333 | $10,300 | 3.06% |
| Brookings, OR (FHA|USDA|VA) | 11 | $3,805,000 | $345,909 | $9,637 | 3.49% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 12 | $3,370,000 | $280,833 | $7,778 | 3.49% |
| CARSON CITY, NV (FHA|USDA|VA) | 10 | $3,090,000 | $309,000 | $3,663 | 3.36% |
| Hailey, ID (FHA|USDA|VA) | 6 | $2,990,000 | $498,333 | $6,584 | 3.21% |
| VALLEJO, CA (FHA|USDA|VA) | 8 | $2,870,000 | $358,750 | $6,740 | 3.06% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 5 | $2,515,000 | $503,000 | $7,103 | 3.25% |
| Roseburg, OR (FHA|USDA|VA) | 10 | $2,490,000 | $249,000 | $7,014 | 3.45% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 12 | $2,460,000 | $205,000 | $7,151 | 2.77% |
| Astoria, OR (FHA|USDA|VA) | 8 | $2,440,000 | $305,000 | $6,722 | 3.06% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 4 | $2,400,000 | $600,000 | $5,509 | 3.15% |
| Othello, WA (FHA|USDA|VA) | 7 | $1,935,000 | $276,429 | $8,138 | 3.30% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 9 | $1,925,000 | $213,889 | $8,075 | 3.64% |
| REDDING, CA (FHA|USDA|VA) | 6 | $1,710,000 | $285,000 | $6,856 | 3.50% |
| FRESNO, CA (FHA|USDA|VA) | 4 | $1,700,000 | $425,000 | $5,584 | 3.22% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $1,540,000 | $770,000 | $8,309 | 3.00% |
| TWIN FALLS, ID (FHA|USDA|VA) | 6 | $1,440,000 | $240,000 | $7,339 | 3.21% |
| POCATELLO, ID (FHA|USDA|VA) | 10 | $1,400,000 | $140,000 | $5,169 | 3.11% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $6,741 | 3.12% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $8,366 | 3.17% |
| TUCSON, AZ (FHA|USDA|VA) | 7 | $1,125,000 | $160,714 | $5,483 | 3.52% |
| Burley, ID (FHA|USDA|VA) | 7 | $1,035,000 | $147,857 | $5,920 | 2.91% |
| Sonora, CA (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $8,194 | 3.15% |
| Red Bluff, CA (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $6,297 | 3.08% |
| Coos Bay, OR (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $6,029 | 3.34% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $8,845 | 2.69% |
| The Dalles, OR (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $7,511 | 3.16% |
| Hood River, OR (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $5,885 | 3.88% |
| MADERA, CA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $11,268 | 3.69% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $8,824 | 3.31% |
| Crescent City, CA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $5,208 | 3.18% |
| Payson, AZ (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $7,484 | 3.38% |
| Blackfoot, ID (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $7,742 | 2.99% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $5,155 | 3.06% |
| NAPA, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $19,591 | 4.13% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $25,272 | 3.38% |
| Helena, MT (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,408 | 3.75% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,727 | 3.50% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $8,971 | 3.50% |
| Pullman, WA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $6,738 | 4.25% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $11,770 | 2.99% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,311 | 2.75% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $10,595 | 3.50% |
| La Grande, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,719 | 3.25% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $14,871 | 2.88% |
| Susanville, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,859 | 3.63% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,552 | 3.13% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,327 | 3.63% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 2.25% |
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Product Mix
For 2021, Evergreen Moneysource Mortgage Company's most frequently originated type of loan was Conventional, with 12,033 originations. Their 2nd most popular type was FHA, with 1,866 originations.
Loan Reason
For 2021, Evergreen Moneysource Mortgage Company's most frequently cited loan purpose was Home Purchase, with 7,825 originations. The 2nd most popular reason was Refi, with 3,778 originations.
Loan Duration/Length
For 2021, Evergreen Moneysource Mortgage Company's most frequently cited loan duration was 30 Year, with 13,541 originations. The 2nd most popular length was 15 Year, with 854 originations.
Origination Fees/Closing Costs
Evergreen Moneysource Mortgage Company's average total fees were $7,440, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 3,988 originations.
Interest Rates
During 2021, Evergreen Moneysource Mortgage Company's average interest rate for loans was 3.28%, while their most frequently originated rate bucket for loans was 3-4%, with 8,618 originations.
Loan Sizing
2021 saw Evergreen Moneysource Mortgage Company place emphasis on $200k-400k loans with 8,336 originations, totaling $2,494,240,000 in origination value.
Applicant Income
Evergreen Moneysource Mortgage Company lent most frequently to those with incomes in the $50k-75k range, with 3,723 originations. The second most popular income band? $100k-150k, with 3,448 originations.
Applicant Debt to Income Ratio
Evergreen Moneysource Mortgage Company lent most frequently to those with DTI ratios of 20-30%, with 2,592 originations. The next most common DTI ratio? 30-36%, with 2,590 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.24%
Evergreen Moneysource Mortgage Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination76.01%
Evergreen Moneysource Mortgage Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 14,992 | $5,252,500,000 | $350,354 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 14,992 | $5,252,500,000 | $350,354 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Evergreen Moneysource Mortgage Company | Conventional home mortgage | Closing on a mortgage | 1 | 25.0% |
| Evergreen Moneysource Mortgage Company | Conventional home mortgage | Struggling to pay mortgage | 1 | 25.0% |
| Evergreen Moneysource Mortgage Company | Other type of mortgage | Closing on a mortgage | 1 | 25.0% |
| Evergreen Moneysource Mortgage Company | VA mortgage | Closing on a mortgage | 1 | 25.0% |
