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 and 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, Bremerton, and Boise City among others. We have data for 99 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
17,593Origination Dollar Volume (All Markets)
$5,598,015,000Awards
EVERGREEN MONEYSOURCE MORTGAGE COMPANY - 2020
EVERGREEN MONEYSOURCE MORTGAGE COMPANY is a 2020 , due to their low .
For 2020, 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) | 4,522 | $1,808,930,000 | $400,029 | $6,955 | 3.36% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1,709 | $479,845,000 | $280,775 | $7,021 | 3.37% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1,466 | $469,060,000 | $319,959 | $6,579 | 3.40% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1,084 | $359,830,000 | $331,946 | $6,653 | 3.36% |
| BOISE CITY, ID (FHA|USDA|VA) | 1,409 | $339,205,000 | $240,742 | $7,284 | 3.14% |
| MEDFORD, OR (FHA|USDA|VA) | 506 | $147,420,000 | $291,344 | $6,724 | 3.32% |
| Outside of Metro Areas | 605 | $142,545,000 | $235,612 | $6,293 | 3.45% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 409 | $138,325,000 | $338,203 | $6,182 | 3.39% |
| RENO, NV (FHA|USDA|VA) | 384 | $119,860,000 | $312,135 | $3,853 | 3.28% |
| Port Angeles, WA (FHA|USDA|VA) | 391 | $110,355,000 | $282,238 | $5,599 | 3.38% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 320 | $106,020,000 | $331,313 | $7,397 | 3.40% |
| STOCKTON, CA (FHA|USDA|VA) | 292 | $89,060,000 | $305,000 | $8,772 | 3.46% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 184 | $85,590,000 | $465,163 | $5,909 | 3.30% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 281 | $80,295,000 | $285,747 | $6,695 | 3.41% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 250 | $79,200,000 | $316,800 | $7,425 | 3.43% |
| BEND, OR (FHA|USDA|VA) | 246 | $73,390,000 | $298,333 | $6,681 | 3.48% |
| WENATCHEE, WA (FHA|USDA|VA) | 222 | $72,670,000 | $327,342 | $7,292 | 3.39% |
| YAKIMA, WA (FHA|USDA|VA) | 261 | $63,235,000 | $242,280 | $6,273 | 3.40% |
| Ellensburg, WA (FHA|USDA|VA) | 190 | $57,040,000 | $300,211 | $6,110 | 3.38% |
| Moses Lake, WA (FHA|USDA|VA) | 209 | $50,495,000 | $241,603 | $6,550 | 3.49% |
| YUBA CITY, CA (FHA|USDA|VA) | 188 | $49,140,000 | $261,383 | $6,325 | 3.37% |
| LONGVIEW, WA (FHA|USDA|VA) | 182 | $48,320,000 | $265,495 | $7,372 | 3.57% |
| Sandpoint, ID (FHA|USDA|VA) | 187 | $47,825,000 | $255,749 | $6,235 | 3.47% |
| Shelton, WA (FHA|USDA|VA) | 164 | $45,800,000 | $279,268 | $6,699 | 3.47% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 167 | $44,775,000 | $268,114 | $5,795 | 3.36% |
| Outside of Metro Areas | 134 | $36,630,000 | $273,358 | $6,813 | 3.36% |
| SALEM, OR (FHA|USDA|VA) | 114 | $31,300,000 | $274,561 | $7,287 | 3.54% |
| Newport, OR (FHA|USDA|VA) | 122 | $29,780,000 | $244,098 | $7,283 | 3.37% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 84 | $26,000,000 | $309,524 | $6,198 | 3.40% |
| Oak Harbor, WA (FHA|USDA|VA) | 76 | $25,420,000 | $334,474 | $6,627 | 3.36% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 56 | $23,420,000 | $418,214 | $7,605 | 3.35% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 67 | $21,825,000 | $325,746 | $6,633 | 3.28% |
| Prineville, OR (FHA|USDA|VA) | 87 | $20,595,000 | $236,724 | $7,012 | 3.63% |
| Winnemucca, NV (FHA|USDA|VA) | 81 | $20,115,000 | $248,333 | $4,582 | 3.52% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 80 | $20,000,000 | $250,000 | $5,326 | 3.49% |
| CHICO, CA (FHA|USDA|VA) | 82 | $18,830,000 | $229,634 | $6,209 | 3.48% |
| Centralia, WA (FHA|USDA|VA) | 61 | $16,235,000 | $266,148 | $6,885 | 3.49% |
| Aberdeen, WA (FHA|USDA|VA) | 66 | $14,720,000 | $223,030 | $6,480 | 3.46% |
| MERCED, CA (FHA|USDA|VA) | 57 | $14,505,000 | $254,474 | $5,756 | 3.25% |
| MODESTO, CA (FHA|USDA|VA) | 40 | $11,630,000 | $290,750 | $8,794 | 3.45% |
| GRANTS PASS, OR (FHA|USDA|VA) | 38 | $11,140,000 | $293,158 | $6,871 | 3.51% |
| BELLINGHAM, WA (FHA|USDA|VA) | 30 | $11,100,000 | $370,000 | $7,302 | 3.28% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 20 | $10,430,000 | $521,500 | $8,288 | 3.40% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 35 | $9,635,000 | $275,286 | $5,523 | 3.80% |
| Fernley, NV (FHA|USDA|VA) | 32 | $7,710,000 | $240,938 | $5,381 | 3.46% |
| Pahrump, NV (FHA|USDA|VA) | 39 | $7,535,000 | $193,205 | $6,883 | 3.45% |
| Ontario, OR-ID (FHA|USDA|VA) | 35 | $6,745,000 | $192,714 | $6,350 | 3.22% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 23 | $6,635,000 | $288,478 | $7,732 | 3.39% |
| VALLEJO, CA (FHA|USDA|VA) | 16 | $6,100,000 | $381,250 | $6,334 | 3.58% |
| Klamath Falls, OR (FHA|USDA|VA) | 22 | $5,250,000 | $238,636 | $6,498 | 3.60% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 11 | $5,225,000 | $475,000 | $5,012 | 3.75% |
| Fallon, NV (FHA|USDA|VA) | 17 | $4,885,000 | $287,353 | $6,449 | 3.27% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 17 | $4,585,000 | $269,706 | $8,136 | 3.47% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 8 | $4,040,000 | $505,000 | $9,352 | 3.23% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 12 | $3,870,000 | $322,500 | $3,960 | 3.35% |
| FRESNO, CA (FHA|USDA|VA) | 14 | $3,500,000 | $250,000 | $6,172 | 3.29% |
| WALLA WALLA, WA (FHA|USDA|VA) | 15 | $3,275,000 | $218,333 | $5,157 | 3.52% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 9 | $2,815,000 | $312,778 | $4,591 | 3.16% |
| Othello, WA (FHA|USDA|VA) | 13 | $2,775,000 | $213,462 | $6,917 | 3.33% |
| Roseburg, OR (FHA|USDA|VA) | 10 | $2,390,000 | $239,000 | $5,512 | 3.37% |
| Brookings, OR (FHA|USDA|VA) | 9 | $2,355,000 | $261,667 | $7,238 | 3.43% |
| Mountain Home, ID (FHA|USDA|VA) | 14 | $2,210,000 | $157,857 | $7,506 | 2.79% |
| CARSON CITY, NV (FHA|USDA|VA) | 7 | $2,165,000 | $309,286 | $3,042 | 3.36% |
| Astoria, OR (FHA|USDA|VA) | 6 | $2,160,000 | $360,000 | $7,004 | 3.23% |
| CORVALLIS, OR (FHA|USDA|VA) | 6 | $2,120,000 | $353,333 | $8,337 | 3.27% |
| Hailey, ID (FHA|USDA|VA) | 7 | $2,035,000 | $290,714 | $4,805 | 3.27% |
| SALINAS, CA (FHA|USDA|VA) | 4 | $2,000,000 | $500,000 | $11,855 | 4.03% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 6 | $1,940,000 | $323,333 | $7,220 | 3.48% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 3 | $1,875,000 | $625,000 | $6,928 | 3.79% |
| MADERA, CA (FHA|USDA|VA) | 6 | $1,650,000 | $275,000 | $5,701 | 3.23% |
| Clearlake, CA (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $12,854 | 4.10% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $10,704 | 3.33% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $5,599 | 3.17% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $8,248 | 3.41% |
| The Dalles, OR (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $6,916 | 3.28% |
| REDDING, CA (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $5,737 | 3.25% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $33,515 | 3.31% |
| Pullman, WA (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $3,122 | 3.38% |
| TWIN FALLS, ID (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $5,398 | 3.13% |
| Sonora, CA (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $7,247 | 3.96% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $5,588 | 3.28% |
| Hood River, OR (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $5,670 | 3.46% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $3,005 | 3.34% |
| Crescent City, CA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $7,113 | 3.19% |
| Blackfoot, ID (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $6,096 | 3.83% |
| Coos Bay, OR (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $13,357 | 2.25% |
| Burley, ID (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,874 | 2.81% |
| Juneau, AK (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,991 | 3.50% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,262 | 2.99% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,943 | 2.93% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,966 | 3.99% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,999 | 3.13% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $7,647 | 3.38% |
| CASPER, WY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,842 | 3.50% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,453 | 3.25% |
| La Grande, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,272 | 3.50% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,865 | 3.25% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,784 | 2.88% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,721 | 4.13% |
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Product Mix
For 2020, Evergreen Moneysource Mortgage Company's most frequently originated type of loan was Conventional, with 13,234 originations. Their 2nd most popular type was FHA, with 2,637 originations.
Loan Reason
For 2020, Evergreen Moneysource Mortgage Company's most frequently cited loan purpose was Home Purchase, with 8,802 originations. The 2nd most popular reason was Refi, with 5,671 originations.
Loan Duration/Length
For 2020, Evergreen Moneysource Mortgage Company's most frequently cited loan duration was 30 Year, with 15,757 originations. The 2nd most popular length was 15 Year, with 985 originations.
Origination Fees/Closing Costs
Evergreen Moneysource Mortgage Company's average total fees were $6,875, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,409 originations.
Interest Rates
During 2020, Evergreen Moneysource Mortgage Company's average interest rate for loans was 3.40%, while their most frequently originated rate bucket for loans was 3-4%, with 10,797 originations.
Loan Sizing
2020 saw Evergreen Moneysource Mortgage Company place emphasis on $200k-400k loans with 10,610 originations, totaling $3,116,700,000 in origination value.
Applicant Income
Evergreen Moneysource Mortgage Company lent most frequently to those with incomes in the $50k-75k range, with 4,323 originations. The second most popular income band? $100k-150k, with 4,060 originations.
Applicant Debt to Income Ratio
Evergreen Moneysource Mortgage Company lent most frequently to those with DTI ratios of 20-30%, with 3,338 originations. The next most common DTI ratio? 30-36%, with 3,030 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.45%
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 origination75.38%
Evergreen Moneysource Mortgage Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 17,593 | $5,598,015,000 | $318,196 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 813 | $194,645,000 | $239,416 |
| Single Family (1-4 Units):Site-Built | 16,780 | $5,403,370,000 | $322,013 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Evergreen Moneysource Mortgage Company | FHA mortgage | Struggling to pay mortgage | 2 | 66.7% |
| Evergreen Moneysource Mortgage Company | FHA mortgage | Trouble during payment process | 1 | 33.3% |