Evergreen Moneysource Mortgage Company
We analyzed every closed loan from Evergreen Moneysource Mortgage Company — 3.8k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 25 mkts
Awards
FHA
Superstar
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
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+43.0 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Exceptional
Top 20% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 26 markets
Strong
Top 40% of lenders
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 |
Conventional
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume2,684
Mix69.7%
Spread
+0.459%Above
Fees
$5,074Fees
FHA Loans
OverallStrong
ProductExceptional
PricingMediocre
Pull ThroughExceptional
Volume719
Mix18.7%
Spread
+0.605%Above
Fees
$5,580Fees
VA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughExceptional
Volume326
Mix8.5%
Spread
-0.196%Below
Fees
$4,949Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume111
Mix2.9%
Spread
+0.672%Above
Fees
$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 |
Purchase
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume3,259
Mix84.7%
Spread
+0.432%Above
Fees
$5,151Fees
Refinance
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume590
Mix15.3%
Spread
+0.421%Above
Fees
$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
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
11South2
FLTX
West9
AZCACOIDMTNVORWAWY
Top Metro Areas by Place Specialization Score
Volume 244Mix 6.34% of portfolio
100/100
Exceptional
Volume 218Mix 5.66% of portfolio
100/100
Exceptional
Volume 181Mix 4.70% of portfolio
100/100
Exceptional
Volume 120Mix 3.12% of portfolio
100/100
Exceptional
Volume 262Mix 6.81% of portfolio
100/100
Exceptional
Volume 63Mix 1.64% of portfolio
95/100
Exceptional
Volume 281Mix 7.30% of portfolio
91/100
Exceptional
Volume 326Mix 8.47% of portfolio
82/100
Exceptional
Volume 99Mix 2.57% of portfolio
82/100
Exceptional
Volume 332Mix 8.63% of portfolio
81/100
ExceptionalShowing 10 of 25 metro areas
Top States by Place Specialization Score
1
WashingtonState
Volume 1,921Mix 49.91% of portfolio
96/100
Exceptional2
MontanaState
Volume 523Mix 13.59% of portfolio
88/100
Exceptional3
NevadaState
Volume 393Mix 10.21% of portfolio
82/100
Exceptional4
OregonState
Volume 384Mix 9.98% of portfolio
80/100
Strong5
IdahoState
Volume 512Mix 13.30% of portfolio
80/100
Strong6
ArizonaState
Volume 41Mix 1.07% of portfolio
49/100
Sound7
CaliforniaState
Volume 44Mix 1.14% of portfolio
45/100
Sound8
TexasState
Volume 14Mix 0.36% of portfolio
34/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.