E
Evergreen Moneysource Mortgage Company
Independent Mortgage Company•OLYMPIA, WA•Direct to Consumer
We analyzed every closed loan from Evergreen Moneysource Mortgage — 3.8k loans across 5k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo
Place
Strong
Multi-Region · 25 mkts
Shopping for a Mortgage?
Save Evergreen Moneysource Mortgage or ask our AI assistant to explore your options.
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($5,126)
Explore another lender or local market
Report Card
Evergreen Moneysource Mortgage Company performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +43.0 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Market Leader Top 20% of lenders | |
Jumbo | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Multi-Regional26 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,684 | 69.7% | +0.459%Above | $5,074Fees | ||||
FHA Loans | 719 | 18.7% | +0.605%Above | $5,580Fees | ||||
VA Loans | 326 | 8.5% | -0.196%Below | $4,949Fees | ||||
Jumbo Loans | 111 | 2.9% | +0.672%Above | $3,957Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,259 | 84.7% | +0.432%Above | $5,151Fees | ||||
Refinance | 590 | 15.3% | +0.421%Above | $4,988Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,849
Applications
5,145
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.430%
vs. market APOR
Avg Net Fees
$5,126
Origination − Credits
Pullthrough Rate
74.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$447,738
Avg Borrower Income
$157,883
Avg Property Value
$593,940
Geographic Coverage
Geographic Performance
Metro Areas
25
States Served
11
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AZCACOFLIDMTNVORTXWAWY
Top Metro Areas by Place Specialization Score
1
Billings, MT, MTMSA
Volume: 244Mix: 6.34%of portfolio
Place
Exceptional2
Bremerton, WAMSA
Volume: 218Mix: 5.66%of portfolio
Place
Exceptional3
Helena, MT, MTMSA
Volume: 181Mix: 4.70%of portfolio
Place
Exceptional4
Wenatchee, WAMSA
Volume: 120Mix: 3.12%of portfolio
Place
Exceptional5
Bellingham, WA, WAMSA
Volume: 262Mix: 6.81%of portfolio
Place
Exceptional6
Mount Vernon, WAMSA
Volume: 63Mix: 1.64%of portfolio
Place
Exceptional7
Tacoma, WAMSA
Volume: 281Mix: 7.30%of portfolio
Place
Exceptional8
Las Vegas, NVMSA
Volume: 326Mix: 8.47%of portfolio
Place
Exceptional9
Olympia, WAMSA
Volume: 99Mix: 2.57%of portfolio
Place
Exceptional10
Boise City, ID, IDMSA
Volume: 332Mix: 8.63%of portfolio
Place
ExceptionalShowing 10 of 25 metro areas
Top States by Place Specialization Score
1
WAState
Volume: 1,921Mix: 49.91%of portfolio
Place
Exceptional2
MTState
Volume: 523Mix: 13.59%of portfolio
Place
Exceptional3
NVState
Volume: 393Mix: 10.21%of portfolio
Place
Exceptional4
ORState
Volume: 384Mix: 9.98%of portfolio
Place
Strong5
IDState
Volume: 512Mix: 13.30%of portfolio
Place
Strong6
AZState
Volume: 41Mix: 1.07%of portfolio
Place
Sound7
CAState
Volume: 44Mix: 1.14%of portfolio
Place
Sound8
TXState
Volume: 14Mix: 0.36%of portfolio
Place
AcceptableHow We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
Are you the owner of Evergreen Moneysource Mortgage Company?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.