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EVERGREEN MONEYSOURCE MORTGAGE COMPANY
Independent Mortgage Company|OLYMPIA, WA|Multi-Region
Loans Originated
3,849
Applications
5,145
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Exceptional
Pricing and Pullthrough Overview
Average Rate Spread
+0.430%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$5,126
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
74.8%
Percentage of applications that result in closed loans
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)
Report Card
EVERGREEN MONEYSOURCE MORTGAGE COMPANY performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | Multi-Regional · 26 metro areas · 11 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$447,738
Average Borrower Income
$157,883
Average Property Value
$593,940
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Mediocre | Strong | 2,684 | 69.7% | +0.459% | $5,074 |
FHA Loans | Sound | Exceptional | Mediocre | Exceptional | 719 | 18.7% | +0.605% | $5,580 |
VA Loans | Sound | Exceptional | Mediocre | Exceptional | 326 | 8.5% | -0.196% | $4,949 |
Jumbo Loans | Sound | Exceptional | Mediocre | Strong | 111 | 2.9% | +0.672% | $3,957 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Mediocre | Strong | 3,259 | 84.7% | +0.432% | $5,151 |
Refinance | Sound | Exceptional | Mediocre | Strong | 590 | 15.3% | +0.421% | $4,988 |
Geographic Coverage
Metro Areas
25
States Served
11
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZCACOFLIDMTNVORTXWAWY
Top Metro Areas by Place Specialization Score
1
Billings, MT, MTMSA
Volume: 244Mix: 6.34%
Place Specialization
Exceptional
2
Bremerton, WAMSA
Volume: 218Mix: 5.66%
Place Specialization
Exceptional
3
Helena, MT, MTMSA
Volume: 181Mix: 4.70%
Place Specialization
Exceptional
4
Wenatchee, WAMSA
Volume: 120Mix: 3.12%
Place Specialization
Exceptional
5
Bellingham, WA, WAMSA
Volume: 262Mix: 6.81%
Place Specialization
Exceptional
6
Mount Vernon, WAMSA
Volume: 63Mix: 1.64%
Place Specialization
Exceptional
7
Tacoma, WAMSA
Volume: 281Mix: 7.30%
Place Specialization
Exceptional
8
Las Vegas, NVMSA
Volume: 326Mix: 8.47%
Place Specialization
Exceptional
9
Olympia, WAMSA
Volume: 99Mix: 2.57%
Place Specialization
Exceptional
10
Boise City, ID, IDMSA
Volume: 332Mix: 8.63%
Place Specialization
Exceptional
Showing 10 of 25 metro areas
Top States by Place Specialization Score
1
WAState
Volume: 1,921Mix: 49.91%
Place Specialization
Exceptional
2
MTState
Volume: 523Mix: 13.59%
Place Specialization
Exceptional
3
NVState
Volume: 393Mix: 10.21%
Place Specialization
Exceptional
4
ORState
Volume: 384Mix: 9.98%
Place Specialization
Strong
5
IDState
Volume: 512Mix: 13.30%
Place Specialization
Strong
6
AZState
Volume: 41Mix: 1.07%
Place Specialization
Sound
7
CAState
Volume: 44Mix: 1.14%
Place Specialization
Sound
8
TXState
Volume: 14Mix: 0.36%
Place Specialization
Acceptable
How 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.
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