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, Bremerton, Portland, and Boise City among others. We have data for 90 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 an average 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% | 12/16/24 |
| 30 Year Conventional Refi | 6.74% | 12/16/24 |
| 30 Year Cash-out Refi | 6.93% | 12/16/24 |
| 30 Year FHA Purchase | 7.80% | 12/16/24 |
| 30 Year FHA Refi | 7.40% | 12/16/24 |
| 30 Year VA Purchase | 6.58% | 12/16/24 |
| 30 Year VA Refi | 6.32% | 12/16/24 |
| 30 Year USDA Purchase | 6.96% | 12/16/24 |
| 30 Year USDA Refi | 6.27% | 12/16/24 |
| 15 Year Conventional Purchase | 6.96% | 12/16/24 |
| 15 Year Conventional Refi | 6.26% | 12/16/24 |
| 15 Year Cash-out Refi | 6.26% | 12/16/24 |
| 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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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
9,606Origination Dollar Volume (All Markets)
$2,676,910,000Awards
EVERGREEN MONEYSOURCE MORTGAGE COMPANY - 2018
EVERGREEN MONEYSOURCE MORTGAGE COMPANY is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 2,329 | $840,855,000 | $361,037 | $6,702 | 4.94% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1,040 | $258,740,000 | $248,788 | $7,649 | 5.10% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 713 | $215,055,000 | $301,620 | $6,960 | 4.91% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 633 | $187,235,000 | $295,790 | $5,969 | 4.92% |
| BOISE CITY, ID (FHA|USDA|VA) | 661 | $151,785,000 | $229,629 | $6,819 | 4.71% |
| Outside of Metro Areas | 355 | $74,515,000 | $209,901 | $5,713 | 5.09% |
| Port Angeles, WA (FHA|USDA|VA) | 261 | $64,725,000 | $247,989 | $5,753 | 4.91% |
| YAKIMA, WA (FHA|USDA|VA) | 275 | $54,255,000 | $197,291 | $6,071 | 4.99% |
| RENO, NV (FHA|USDA|VA) | 161 | $49,515,000 | $307,547 | $4,521 | 4.93% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 176 | $47,530,000 | $270,057 | $6,729 | 5.01% |
| WENATCHEE, WA (FHA|USDA|VA) | 153 | $47,195,000 | $308,464 | $5,863 | 5.13% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 153 | $46,605,000 | $304,608 | $6,155 | 5.02% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 179 | $43,685,000 | $244,050 | $6,260 | 5.04% |
| MEDFORD, OR (FHA|USDA|VA) | 145 | $37,895,000 | $261,345 | $6,383 | 4.94% |
| BEND, OR (FHA|USDA|VA) | 139 | $37,605,000 | $270,540 | $5,456 | 5.16% |
| STOCKTON, CA (FHA|USDA|VA) | 147 | $37,055,000 | $252,075 | $7,899 | 5.27% |
| Ellensburg, WA (FHA|USDA|VA) | 138 | $36,100,000 | $261,594 | $5,546 | 5.13% |
| Moses Lake, WA (FHA|USDA|VA) | 148 | $29,670,000 | $200,473 | $6,369 | 5.10% |
| YUBA CITY, CA (FHA|USDA|VA) | 115 | $27,795,000 | $241,696 | $5,546 | 5.03% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 137 | $27,245,000 | $198,869 | $5,080 | 5.08% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 125 | $27,235,000 | $217,880 | $5,725 | 5.11% |
| Sandpoint, ID (FHA|USDA|VA) | 115 | $25,115,000 | $218,391 | $4,873 | 4.90% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 104 | $25,080,000 | $241,154 | $6,986 | 5.20% |
| LONGVIEW, WA (FHA|USDA|VA) | 106 | $23,080,000 | $217,736 | $6,607 | 5.08% |
| Shelton, WA (FHA|USDA|VA) | 103 | $22,775,000 | $221,117 | $5,760 | 5.08% |
| CHICO, CA (FHA|USDA|VA) | 101 | $21,095,000 | $208,861 | $5,329 | 5.11% |
| Newport, OR (FHA|USDA|VA) | 68 | $15,420,000 | $226,765 | $6,007 | 4.96% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 38 | $14,560,000 | $383,158 | $7,419 | 4.94% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 56 | $13,960,000 | $249,286 | $5,158 | 5.14% |
| Outside of Metro Areas | 51 | $13,065,000 | $256,176 | $6,156 | 4.97% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 45 | $12,415,000 | $275,889 | $5,656 | 4.93% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 45 | $12,315,000 | $273,667 | $6,394 | 5.02% |
| SALEM, OR (FHA|USDA|VA) | 49 | $12,015,000 | $245,204 | $5,276 | 4.94% |
| Prineville, OR (FHA|USDA|VA) | 57 | $11,915,000 | $209,035 | $5,739 | 5.07% |
| Pahrump, NV (FHA|USDA|VA) | 61 | $9,905,000 | $162,377 | $6,759 | 5.03% |
| Oak Harbor, WA (FHA|USDA|VA) | 35 | $9,725,000 | $277,857 | $5,384 | 5.00% |
| Centralia, WA (FHA|USDA|VA) | 37 | $8,495,000 | $229,595 | $6,940 | 5.17% |
| Winnemucca, NV (FHA|USDA|VA) | 40 | $8,270,000 | $206,750 | $4,020 | 4.96% |
| BELLINGHAM, WA (FHA|USDA|VA) | 20 | $5,650,000 | $282,500 | $5,583 | 5.02% |
| Aberdeen, WA (FHA|USDA|VA) | 32 | $5,620,000 | $175,625 | $4,741 | 5.18% |
| MODESTO, CA (FHA|USDA|VA) | 22 | $5,540,000 | $251,818 | $8,449 | 5.31% |
| Hood River, OR (FHA|USDA|VA) | 16 | $5,020,000 | $313,750 | $4,443 | 4.86% |
| Fernley, NV (FHA|USDA|VA) | 23 | $4,725,000 | $205,435 | $5,261 | 5.09% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 11 | $4,105,000 | $373,182 | $7,893 | 4.93% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 7 | $3,605,000 | $515,000 | $6,929 | 5.27% |
| Klamath Falls, OR (FHA|USDA|VA) | 17 | $2,975,000 | $175,000 | $5,407 | 5.27% |
| WALLA WALLA, WA (FHA|USDA|VA) | 15 | $2,675,000 | $178,333 | $4,674 | 4.98% |
| GRANTS PASS, OR (FHA|USDA|VA) | 8 | $2,330,000 | $291,250 | $5,338 | 5.12% |
| CARSON CITY, NV (FHA|USDA|VA) | 7 | $2,285,000 | $326,429 | $5,332 | 4.84% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 10 | $2,110,000 | $211,000 | $6,013 | 4.77% |
| Othello, WA (FHA|USDA|VA) | 9 | $1,935,000 | $215,000 | $6,611 | 5.13% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 5 | $1,725,000 | $345,000 | $6,740 | 5.10% |
| Mountain Home, ID (FHA|USDA|VA) | 10 | $1,650,000 | $165,000 | $5,761 | 4.49% |
| TUCSON, AZ (FHA|USDA|VA) | 7 | $1,595,000 | $227,857 | $4,224 | 4.63% |
| Pullman, WA (FHA|USDA|VA) | 6 | $1,320,000 | $220,000 | $5,303 | 5.25% |
| MERCED, CA (FHA|USDA|VA) | 6 | $1,310,000 | $218,333 | $7,784 | 5.21% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $10,847 | 4.96% |
| Brookings, OR (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $6,519 | 5.04% |
| Ontario, OR-ID (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $6,305 | 4.77% |
| Roseburg, OR (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $6,211 | 5.30% |
| Fallon, NV (FHA|USDA|VA) | 6 | $1,210,000 | $201,667 | $3,831 | 4.73% |
| Red Bluff, CA (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $7,292 | 5.00% |
| Elko, NV (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $5,614 | 5.00% |
| REDDING, CA (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $7,751 | 5.21% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $4,175 | 5.04% |
| The Dalles, OR (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $6,500 | 5.63% |
| Astoria, OR (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $6,418 | 5.38% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $695,000 | $139,000 | $6,703 | 5.32% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $4,929 | 4.81% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $6,858 | 5.38% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,591 | 5.31% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $6,375 | 5.38% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,561 | 4.63% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,323 | 4.56% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 4.75% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 4.19% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $6,795 | 4.88% |
| Moscow, ID (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,225 | 5.88% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $7,521 | 5.38% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $8,934 | 4.99% |
| MADERA, CA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,345 | 5.50% |
| Burley, ID (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 5.16% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,938 | 4.99% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $6,869 | 5.13% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,001 | 5.63% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,896 | 5.25% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,823 | 4.75% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $3,508 | 5.50% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 4.50% |
| Payson, AZ (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,640 | 4.75% |
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Product Mix
For 2018, Evergreen Moneysource Mortgage Company's most frequently originated type of loan was Conventional, with 6,735 originations. Their 2nd most popular type was FHA, with 1,773 originations.
Loan Reason
For 2018, Evergreen Moneysource Mortgage Company's most frequently cited loan purpose was Home Purchase, with 7,825 originations. The 2nd most popular reason was Cash Out Refi, with 1,242 originations.
Loan Duration/Length
For 2018, Evergreen Moneysource Mortgage Company's most frequently cited loan duration was 30 Year, with 9,283 originations. The 2nd most popular length was 15 Year, with 210 originations.
Origination Fees/Closing Costs
Evergreen Moneysource Mortgage Company's average total fees were $6,459, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,396 originations.
Interest Rates
During 2018, Evergreen Moneysource Mortgage Company's average interest rate for loans was 5.00%, while their most frequently originated rate bucket for loans was 4-5%, with 5,619 originations.
Loan Sizing
2018 saw Evergreen Moneysource Mortgage Company place emphasis on $200k-400k loans with 5,623 originations, totaling $1,583,255,000 in origination value.
Applicant Income
Evergreen Moneysource Mortgage Company lent most frequently to those with incomes in the $50k-75k range, with 2,736 originations. The second most popular income band? $75k-100k, with 2,056 originations.
Applicant Debt to Income Ratio
Evergreen Moneysource Mortgage Company lent most frequently to those with DTI ratios of 30-36%, with 1,456 originations. The next most common DTI ratio? 20-30%, with 1,226 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.09%
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 origination72.04%
Evergreen Moneysource Mortgage Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 9,606 | $2,676,910,000 | $278,671 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 593 | $114,855,000 | $193,685 |
| Single Family (1-4 Units):Site-Built | 9,013 | $2,562,055,000 | $284,262 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Evergreen Moneysource Mortgage Company | FHA mortgage | Closing on a mortgage | 2 | 50.0% |
| Evergreen Moneysource Mortgage Company | FHA mortgage | Struggling to pay mortgage | 1 | 25.0% |
| Evergreen Moneysource Mortgage Company | VA mortgage | Struggling to pay mortgage | 1 | 25.0% |