Evergreen Moneysource Mortgage Company Rates, Fees & Info
OLYMPIA, WALEI: 54930060G4MDPWHISD89
Tax ID: 91-1374387
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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. 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 in 2021-- chances are they are still one in 2022.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 5.80% | 8/7/22 |
| 30 Year Conventional Refi | 5.68% | 8/7/22 |
| 30 Year Cash-out Refi | 5.86% | 8/7/22 |
| 30 Year FHA Purchase | 6.89% | 8/7/22 |
| 30 Year FHA Refi | 6.45% | 8/7/22 |
| 30 Year VA Purchase | 5.79% | 8/7/22 |
| 30 Year VA Refi | 5.43% | 8/7/22 |
| 30 Year USDA Purchase | 6.12% | 8/7/22 |
| 30 Year USDA Refi | 6.25% | 8/7/22 |
| 15 Year Conventional Purchase | 4.73% | 8/7/22 |
| 15 Year Conventional Refi | 4.78% | 8/7/22 |
| 15 Year Cash-out Refi | 4.78% | 8/7/22 |
| 15 Year FHA Refi | 5.74% | 8/7/22 |
| 15 Year VA Purchase | 4.26% | 8/7/22 |
| 15 Year VA Refi | 4.95% | 8/7/22 |
| 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 .
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Relative Rate
Evergreen Moneysource Mortgage Company's average 30 year fixed rate mortgage of loans were
3.28%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of 0.13%.
Relative Fees
Evergreen Moneysource Mortgage Company's average total fees for a 30 year fixed rate
mortgage are $7,440.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $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% |
Evergreen Moneysource Mortgage Company's top markets include Seattle, Las Vegas, Portland, Boise City, and Bremerton among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional » | 12,033 | $4,224,925,000 | $351,112 | $6,463 | 3.23% |
| FHA » | 1,866 | $602,730,000 | $323,006 | $11,945 | 3.41% |
| VA » | 979 | $390,305,000 | $398,677 | $11,343 | 3.17% |
| USDA » | 114 | $34,540,000 | $302,982 | $8,887 | 3.23% |
For the 2021 period, Evergreen Moneysource Mortgage Company's most frequently originated loan type of loans were Conventional, with 12,033 originations. Their 2nd most popular type is FHA, with 1,866 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase » | 7,825 | $3,002,025,000 | $383,645 | $8,051 | 3.29% |
| Refi » | 3,778 | $1,180,410,000 | $312,443 | $6,061 | 3.12% |
| Cash Out Refi » | 3,386 | $1,069,530,000 | $315,868 | $7,075 | 3.31% |
| Home Improvement » | 3 | $535,000 | $178,333 | $8,495 | 4.79% |
For the 2021, Evergreen Moneysource Mortgage Company's most frequently cited loan purpose of loans were Home Purchase, with 7,825 originations. The 2nd most popular reason of loans were Refi, with 3,778 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year » | 13,541 | $4,897,785,000 | $361,700 | $7,440 | 3.28% |
| 15 Year » | 854 | $215,970,000 | $252,892 | $5,020 | 2.67% |
| 20 Year » | 295 | $74,685,000 | $253,169 | $5,805 | 3.11% |
| 30+ year » | 109 | $43,235,000 | $396,651 | $12,227 | 4.76% |
| 10 Year » | 101 | $6,575,000 | $65,099 | $4,595 | 4.18% |
| Other » | 92 | $14,250,000 | $154,891 | $6,231 | 1.64% |
For the 2021, Evergreen Moneysource Mortgage Company's most frequently cited loan length of loans were 30 Year, with 13,541 originations. The 2nd most popular length of loans were 15 Year, with 854 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $5k+ » | 3,988 | $1,726,570,000 | $432,941 |
| $1k-2k » | 3,321 | $1,188,475,000 | $357,867 |
| $3k-4k » | 2,636 | $800,020,000 | $303,498 |
| $2k-3k » | 2,267 | $649,105,000 | $286,328 |
| $4k-5k » | 2,144 | $713,090,000 | $332,598 |
| $<1k » | 563 | $153,225,000 | $272,158 |
$7,440 of loans were Evergreen Moneysource Mortgage Company's average total fees, while their most frequently occuring range of origination fees were in the $5k+ bucket, with 3,988 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% » | 8,618 | $3,143,140,000 | $364,718 |
| 2.5-3% » | 5,022 | $1,723,580,000 | $343,206 |
| 4-5% » | 711 | $216,935,000 | $305,113 |
| <2.5% » | 607 | $157,715,000 | $259,827 |
| 5-6% » | 34 | $11,130,000 | $327,353 |
During 2021, Evergreen Moneysource Mortgage Company's average interest rate of loans were 3.28%, while their most frequently originated rate bucket of loans were 3-4%, with 8,618 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k » | 8,336 | $2,494,240,000 | $299,213 | $6,896 | 3.26% |
| $400k-600k » | 3,566 | $1,707,740,000 | $478,895 | $8,515 | 3.27% |
| $100k-200k » | 1,932 | $308,020,000 | $159,431 | $4,946 | 3.17% |
| $600k-1MM » | 781 | $561,705,000 | $719,213 | $10,095 | 3.25% |
| $100,000 or less » | 245 | $9,975,000 | $40,714 | $3,771 | 3.19% |
| $1MM+ » | 132 | $170,820,000 | $1,294,091 | $14,634 | 3.18% |
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
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k » | 3,723 | $1,020,945,000 | $274,226 | $6,994 | 3.25% |
| $100k-150k » | 3,448 | $1,342,790,000 | $389,440 | $7,608 | 3.28% |
| $75k-100k » | 3,287 | $1,083,895,000 | $329,752 | $7,342 | 3.27% |
| $150k-250k » | 2,019 | $945,195,000 | $468,150 | $7,726 | 3.24% |
| $50k or less » | 1,516 | $301,670,000 | $198,991 | $5,673 | 3.18% |
| $250k+ » | 751 | $467,215,000 | $622,124 | $8,806 | 3.24% |
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
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% » | 2,592 | $896,610,000 | $345,914 | $6,520 | 3.17% |
| 30-36% » | 2,590 | $911,430,000 | $351,903 | $6,886 | 3.24% |
| 44% » | 860 | $292,860,000 | $340,535 | $6,913 | 3.32% |
| <20% » | 786 | $255,910,000 | $325,585 | $6,044 | 3.08% |
| 43% » | 742 | $252,380,000 | $340,135 | $7,114 | 3.33% |
| 41% » | 693 | $255,345,000 | $368,463 | $7,434 | 3.32% |
| 42% » | 692 | $248,000,000 | $358,382 | $7,419 | 3.33% |
| 50-60% » | 649 | $228,415,000 | $351,949 | $11,941 | 3.34% |
| 39% » | 603 | $215,185,000 | $356,857 | $7,014 | 3.29% |
| 40% » | 594 | $219,020,000 | $368,721 | $7,555 | 3.29% |
| 49% » | 558 | $196,240,000 | $351,685 | $7,697 | 3.26% |
| 38% » | 551 | $202,035,000 | $366,670 | $7,334 | 3.30% |
| 45% » | 517 | $179,255,000 | $346,721 | $7,642 | 3.29% |
| 37% » | 509 | $182,975,000 | $359,479 | $7,086 | 3.26% |
| 36% » | 490 | $177,270,000 | $361,776 | $7,203 | 3.28% |
| 48% » | 470 | $159,590,000 | $339,553 | $7,744 | 3.26% |
| 46% » | 464 | $157,250,000 | $338,901 | $7,810 | 3.30% |
| 47% » | 451 | $155,425,000 | $344,623 | $7,807 | 3.27% |
| >60% » | 38 | $18,770,000 | $493,947 | $13,576 | 3.20% |
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
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White » | 11,764 | $4,059,660,000 | $345,092 | $7,219 | 3.25% |
| Not provided » | 2,053 | $757,185,000 | $368,819 | $7,359 | 3.25% |
| Asian » | 490 | $185,210,000 | $377,980 | $7,554 | 3.27% |
| Black » | 430 | $162,800,000 | $378,605 | $8,182 | 3.33% |
| American Indian » | 177 | $61,485,000 | $347,373 | $7,504 | 3.27% |
| Native Hawaiian or Islander » | 76 | $25,550,000 | $336,184 | $8,462 | 3.18% |
| Filipino » | 1 | $365,000 | $365,000 | $3,685 | 3.63% |
| Vietnamese » | 1 | $245,000 | $245,000 | $4,525 | 3.50% |
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
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% » | 787 | $169,985,000 | $215,991 | $4,836 | 3.02% |
| 40-60% » | 2,543 | $747,525,000 | $293,954 | $5,633 | 3.10% |
| 60-80% » | 5,193 | $1,901,065,000 | $366,082 | $6,989 | 3.29% |
| 80-100% » | 6,023 | $2,319,025,000 | $385,028 | $8,289 | 3.32% |
| Over 100% » | 243 | $103,435,000 | $425,658 | $17,915 | 3.24% |
| Under 20% » | 203 | $11,465,000 | $56,478 | $4,097 | 3.13% |
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% |
