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 small mortgage company specializing in Home Purchase 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, Bremerton, and Boise City among others. We have data for 120 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 | 6.81% | 11/30/23 |
| 30 Year Conventional Refi | 6.74% | 11/30/23 |
| 30 Year Cash-out Refi | 6.93% | 11/30/23 |
| 30 Year FHA Purchase | 7.80% | 11/30/23 |
| 30 Year FHA Refi | 7.40% | 11/30/23 |
| 30 Year VA Purchase | 6.58% | 11/30/23 |
| 30 Year VA Refi | 6.32% | 11/30/23 |
| 30 Year USDA Purchase | 6.96% | 11/30/23 |
| 30 Year USDA Refi | 6.27% | 11/30/23 |
| 15 Year Conventional Purchase | 6.96% | 11/30/23 |
| 15 Year Conventional Refi | 6.26% | 11/30/23 |
| 15 Year Cash-out Refi | 6.26% | 11/30/23 |
| 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. | ||
Evergreen Moneysource Mortgage Company Mortgage Calculator
Your Estimates
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This is not an official calculator from Evergreen Moneysource Mortgage Company. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
6,880Origination Dollar Volume (All Markets)
$2,725,410,000Awards
EVERGREEN MONEYSOURCE MORTGAGE COMPANY - 2022
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Relative Rate
Evergreen Moneysource Mortgage Company's average 30 year fixed mortgage rate was
5.1%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.34%.
Relative Fees (Closing Costs)
Evergreen Moneysource Mortgage Company's average total fees/closing costs for a 30 year fixed rate
mortgage were $10,123.
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) | 1,283 | $681,975,000 | $531,547 | $11,856 | 5.08% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 639 | $236,785,000 | $370,556 | $9,651 | 4.99% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 521 | $218,775,000 | $419,914 | $9,399 | 5.14% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 439 | $192,815,000 | $439,214 | $10,589 | 5.12% |
| BOISE CITY, ID (FHA|USDA|VA) | 537 | $172,415,000 | $321,071 | $11,206 | 4.91% |
| Outside of Metro Areas | 311 | $93,945,000 | $302,074 | $8,592 | 5.35% |
| MEDFORD, OR (FHA|USDA|VA) | 213 | $76,375,000 | $358,568 | $10,541 | 4.93% |
| Port Angeles, WA (FHA|USDA|VA) | 190 | $68,130,000 | $358,579 | $7,145 | 5.21% |
| WENATCHEE, WA (FHA|USDA|VA) | 164 | $66,480,000 | $405,366 | $11,845 | 5.14% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 157 | $65,365,000 | $416,338 | $8,211 | 4.67% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 116 | $46,680,000 | $402,414 | $10,233 | 5.07% |
| YAKIMA, WA (FHA|USDA|VA) | 154 | $42,510,000 | $276,039 | $8,468 | 5.07% |
| YUBA CITY, CA (FHA|USDA|VA) | 109 | $39,345,000 | $360,963 | $9,659 | 4.97% |
| RENO, NV (FHA|USDA|VA) | 93 | $38,885,000 | $418,118 | $6,233 | 5.18% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 96 | $37,500,000 | $390,625 | $9,873 | 4.79% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 107 | $37,345,000 | $349,019 | $10,308 | 5.21% |
| STOCKTON, CA (FHA|USDA|VA) | 92 | $34,310,000 | $372,935 | $10,497 | 4.85% |
| LONGVIEW, WA (FHA|USDA|VA) | 99 | $32,915,000 | $332,475 | $10,607 | 5.31% |
| Sandpoint, ID (FHA|USDA|VA) | 88 | $32,030,000 | $363,977 | $9,775 | 5.29% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 75 | $30,995,000 | $413,267 | $10,011 | 5.00% |
| Shelton, WA (FHA|USDA|VA) | 86 | $30,890,000 | $359,186 | $11,049 | 5.31% |
| BEND, OR (FHA|USDA|VA) | 77 | $30,505,000 | $396,169 | $10,167 | 5.20% |
| Ellensburg, WA (FHA|USDA|VA) | 63 | $25,015,000 | $397,063 | $11,220 | 5.46% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 60 | $21,950,000 | $365,833 | $9,177 | 5.18% |
| SALEM, OR (FHA|USDA|VA) | 62 | $21,250,000 | $342,742 | $9,521 | 5.12% |
| Moses Lake, WA (FHA|USDA|VA) | 59 | $20,365,000 | $345,169 | $10,688 | 5.55% |
| YUMA, AZ (FHA|USDA|VA) | 85 | $19,815,000 | $233,118 | $6,965 | 5.30% |
| Newport, OR (FHA|USDA|VA) | 61 | $17,015,000 | $278,934 | $9,437 | 5.19% |
| Prineville, OR (FHA|USDA|VA) | 56 | $16,820,000 | $300,357 | $9,236 | 5.12% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 34 | $16,220,000 | $477,059 | $10,733 | 4.70% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 35 | $14,035,000 | $401,000 | $11,501 | 4.70% |
| Oak Harbor, WA (FHA|USDA|VA) | 26 | $12,490,000 | $480,385 | $9,256 | 5.41% |
| Outside of Metro Areas | 36 | $12,080,000 | $335,556 | $9,008 | 5.19% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 32 | $12,070,000 | $377,188 | $9,607 | 5.30% |
| Aberdeen, WA (FHA|USDA|VA) | 38 | $11,810,000 | $310,789 | $10,452 | 5.43% |
| Centralia, WA (FHA|USDA|VA) | 34 | $10,760,000 | $316,471 | $8,709 | 5.77% |
| Winnemucca, NV (FHA|USDA|VA) | 40 | $10,690,000 | $267,250 | $5,845 | 5.58% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 18 | $10,620,000 | $590,000 | $17,332 | 4.90% |
| BELLINGHAM, WA (FHA|USDA|VA) | 26 | $9,960,000 | $383,077 | $8,323 | 5.79% |
| GRANTS PASS, OR (FHA|USDA|VA) | 26 | $9,360,000 | $360,000 | $10,390 | 5.12% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 22 | $8,930,000 | $405,909 | $10,691 | 5.17% |
| MODESTO, CA (FHA|USDA|VA) | 23 | $7,915,000 | $344,130 | $9,996 | 4.80% |
| CHICO, CA (FHA|USDA|VA) | 24 | $7,200,000 | $300,000 | $9,626 | 5.10% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 12 | $6,330,000 | $527,500 | $12,195 | 5.47% |
| Ontario, OR-ID (FHA|USDA|VA) | 23 | $5,735,000 | $249,348 | $13,707 | 4.93% |
| WALLA WALLA, WA (FHA|USDA|VA) | 16 | $5,040,000 | $315,000 | $8,670 | 5.51% |
| Fernley, NV (FHA|USDA|VA) | 16 | $4,970,000 | $310,625 | $7,097 | 4.98% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 15 | $4,905,000 | $327,000 | $7,378 | 5.61% |
| Pahrump, NV (FHA|USDA|VA) | 16 | $4,750,000 | $296,875 | $10,991 | 5.07% |
| MERCED, CA (FHA|USDA|VA) | 15 | $4,725,000 | $315,000 | $7,704 | 5.05% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 16 | $4,700,000 | $293,750 | $6,251 | 4.91% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 14 | $4,580,000 | $327,143 | $10,332 | 5.46% |
| TUCSON, AZ (FHA|USDA|VA) | 14 | $4,160,000 | $297,143 | $9,202 | 5.19% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 8 | $4,080,000 | $510,000 | $9,832 | 5.48% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 6 | $3,730,000 | $621,667 | $10,547 | 4.54% |
| Mountain Home, ID (FHA|USDA|VA) | 14 | $3,300,000 | $235,714 | $13,959 | 4.96% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 12 | $2,890,000 | $240,833 | $9,326 | 5.36% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 6 | $2,890,000 | $481,667 | $11,166 | 5.47% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 9 | $2,855,000 | $317,222 | $7,785 | 5.42% |
| CORVALLIS, OR (FHA|USDA|VA) | 7 | $2,605,000 | $372,143 | $9,873 | 4.62% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 8 | $2,530,000 | $316,250 | $9,690 | 4.76% |
| Fallon, NV (FHA|USDA|VA) | 9 | $2,495,000 | $277,222 | $4,431 | 4.23% |
| Klamath Falls, OR (FHA|USDA|VA) | 10 | $2,420,000 | $242,000 | $8,728 | 5.23% |
| Roseburg, OR (FHA|USDA|VA) | 10 | $2,390,000 | $239,000 | $9,064 | 5.87% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 8 | $1,820,000 | $227,500 | $7,375 | 5.64% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $1,755,000 | $351,000 | $12,449 | 5.40% |
| CARSON CITY, NV (FHA|USDA|VA) | 5 | $1,655,000 | $331,000 | $4,862 | 4.93% |
| Coos Bay, OR (FHA|USDA|VA) | 3 | $1,515,000 | $505,000 | $17,149 | 5.21% |
| Elko, NV (FHA|USDA|VA) | 5 | $1,505,000 | $301,000 | $8,081 | 5.48% |
| Brookings, OR (FHA|USDA|VA) | 4 | $1,460,000 | $365,000 | $10,183 | 5.00% |
| POCATELLO, ID (FHA|USDA|VA) | 7 | $1,455,000 | $207,857 | $6,957 | 3.70% |
| Kalispell, MT (FHA|USDA|VA) | 3 | $1,405,000 | $468,333 | $7,818 | 5.25% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $10,602 | 6.13% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $12,608 | 5.63% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $6,268 | 6.63% |
| Hailey, ID (FHA|USDA|VA) | 2 | $1,080,000 | $540,000 | $6,431 | 6.31% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $7,350 | 4.09% |
| Astoria, OR (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $9,505 | 6.08% |
| Burley, ID (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $24,782 | 4.38% |
| MADERA, CA (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $15,518 | 5.25% |
| Othello, WA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $15,551 | 5.56% |
| MISSOULA, MT (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $6,696 | 4.62% |
| REDDING, CA (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $5,191 | 4.75% |
| NAPA, CA (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $9,787 | 5.63% |
| Helena, MT (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $16,347 | 5.44% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $29,289 | 6.00% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $31,564 | 3.99% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $15,563 | 4.00% |
| Pullman, WA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $7,968 | 4.88% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $6,669 | 6.06% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $4,656 | 4.38% |
| Athens, TX (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $8,413 | 5.19% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $26,043 | 6.63% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,277 | 5.56% |
| Crescent City, CA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $6,135 | 4.44% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $4,007 | 3.38% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $16,540 | 3.99% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,040 | 4.38% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $11,067 | 3.88% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $5,861 | 5.19% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $17,779 | 6.25% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,199 | 4.50% |
| Blackfoot, ID (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,826 | 5.25% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 4.88% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 5.00% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $6,821 | 5.50% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $14,834 | 6.75% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $7,534 | 5.88% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,623 | 6.25% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,332 | 4.88% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,550 | 4.99% |
| Susanville, CA (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $4,819 | 5.13% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 4.75% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,573 | 6.50% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,430 | 4.75% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,002 | 4.50% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,546 | 6.50% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,360 | 4.50% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,778 | 5.50% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,833 | 3.88% |
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Product Mix
For 2022, Evergreen Moneysource Mortgage Company's most frequently originated type of loan was Conventional, with 5,348 originations. Their 2nd most popular type was FHA, with 1,035 originations.
Loan Reason
For 2022, Evergreen Moneysource Mortgage Company's most frequently cited loan purpose was Home Purchase, with 5,236 originations. The 2nd most popular reason was Cash Out Refi, with 1,117 originations.
Loan Duration/Length
For 2022, Evergreen Moneysource Mortgage Company's most frequently cited loan duration was 30 Year, with 6,408 originations. The 2nd most popular length was 15 Year, with 232 originations.
Origination Fees/Closing Costs
Evergreen Moneysource Mortgage Company's average total fees were $10,123, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 3,457 originations.
Interest Rates
During 2022, Evergreen Moneysource Mortgage Company's average interest rate for loans was 5.10%, while their most frequently originated rate bucket for loans was 5-6%, with 1,978 originations.
Loan Sizing
2022 saw Evergreen Moneysource Mortgage Company place emphasis on $200k-400k loans with 3,202 originations, totaling $988,640,000 in origination value.
Applicant Income
Evergreen Moneysource Mortgage Company lent most frequently to those with incomes in the $100k-150k range, with 1,883 originations. The second most popular income band? $75k-100k, with 1,470 originations.
Applicant Debt to Income Ratio
Evergreen Moneysource Mortgage Company lent most frequently to those with DTI ratios of 30-36%, with 1,031 originations. The next most common DTI ratio? 20-30%, with 777 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.88%
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 origination68.78%
Evergreen Moneysource Mortgage Company has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 6,880 | $2,725,410,000 | $396,135 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6,880 | $2,725,410,000 | $396,135 |