Kevin M. Pennington, CALS, CCL®
Licensed Mortgage Broker

Low Rates. Award-Winning Service. Zero Call Center.

We combine wholesale-level pricing with personalized guidance you won’t find at a volume-driven rate shop. With us, you get competitive rates and direct access to your mortgage professional — every step of the way.

  • No banking hours.
  • No 1-800 numbers.
  • No being treated like a transaction.

Hear from Kevin's clients

Testimonials

All reviews
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ExcellentTrustindex star 1Trustindex star 2Trustindex star 3Trustindex star 4Trustindex star 55.0261 reviews
5.0Trustindex star 1Trustindex star 2Trustindex star 3Trustindex star 4Trustindex star 5
Excellent261 reviews
ExcellentGoogle star 1Google star 2Google star 3Google star 4Google star 55.0235 reviews
5.0Google star 1Google star 2Google star 3Google star 4Google star 5
Excellent235 reviews
ExcellentYelp star 1Yelp star 2Yelp star 3Yelp star 4Yelp star 55.02 reviews
5.0Yelp star 1Yelp star 2Yelp star 3Yelp star 4Yelp star 5
Excellent2 reviews
ExcellentZillow star 1Zillow star 2Zillow star 3Zillow star 4Zillow star 55.024 reviews
5.0Zillow star 1Zillow star 2Zillow star 3Zillow star 4Zillow star 5
Excellent24 reviews
Posted on Google Google
ARIANE EVE MILLADO profile picture
ARIANE EVE MILLADO
1 September 2026
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Kevin was extraordinary! He helped me throughout the process smoothly and he was very knowledgeable and answered all my inquiries. Highly recommended! :)
Posted on Google Google
Courteney Carr profile picture
Courteney Carr
27 August 2026
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Kevin was very professional, responsive, and a joy to work with! We closed early because he was on top of everything
Posted on Google Google
Christopher Bicknell profile picture
Christopher Bicknell
26 August 2026
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Kevin helped us navigate a home purchase, while I was simultaneously handling a family member with cancer, a full job change, raising two kids under 10, and working full-time. Patient, informative, and genuinely funny :) Thanks for helping make this possible Kevin!!
Posted on Google Google
GarBTW profile picture
GarBTW
21 August 2026
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I recently worked with Kevin to refinance my investment property, and the entire experience was exceptional. Refinancing an investment property can often be a complex, paperwork-heavy process with strict lending guidelines, but Kevin handled everything seamlessly.From day one, they were incredibly transparent about pricing, current market rates, and loan structures. They proactively looked for ways to optimize my cash flow and found a highly competitive rate that made perfect sense for my long-term financial goals. Their communication was excellent—I always knew exactly where my application stood and what to expect next.If you are a real estate investor looking for a knowledgeable, efficient, and highly professional mortgage broker who truly understands the nuances of investment financing, I cannot recommend Kevin enough. I will definitely be working with them again on my future properties!
Posted on Google Google
Laura Nelson profile picture
Laura Nelson
20 August 2026
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Kevin has been wonderful to work with. He was friendly, responsive, and so helpful! Thank you, Kevin!!
Posted on Google Google
Niki van dyck profile picture
Niki van dyck
29 July 2026
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Kevin navigated us through a long tricky purchasing process. What stands out most is his thoughtful communication, and knowing when to ask choice questions to ensure deliverables were completed. I felt confident during this process as I knew he was always looking out for our best interests.
Posted on Google Google
Seleina Pariken profile picture
Seleina Pariken
19 July 2026
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Kevin Pennington made the entire mortgage process smooth, stress-free, and easy to understand. From the very beginning, he was responsive, knowledgeable, and always available to answer questions. He took the time to explain every step, making sure I felt confident and informed throughout the process. Kevin worked hard to find the best loan option for my situation and kept everything moving efficiently from start to finish. His professionalism, honesty, and dedication to his clients truly set him apart. I always felt like he had my best interests in mind. If you're looking for a mortgage broker who is reliable, experienced, and genuinely cares about helping you achieve your homeownership goals, I highly recommend Kevin Pennington. I couldn't be happier with my experience!
Posted on Google Google
Rhoffa Sheena Arnaiz profile picture
Rhoffa Sheena Arnaiz
18 July 2026
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Kevin is so awesome! He made our first home buying experience smooth and hassle free! highly recommended! 😊
Posted on Google Google
John Kenneth Losbanos profile picture
John Kenneth Losbanos
17 July 2026
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He is the person you need when you are in need of a mortgage broker! Very responsive, helps you with your concerns, and a reliable person. Thank you for taking care of us through our home mortgage journey.
Posted on Google Google
Sean Dempsey profile picture
Sean Dempsey
13 July 2026
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It was a delight to work with Kevin on my first home purchase. He was very easy to get a hold of for any questions, including outside normal business hours, and really helped me to understand the process more clearly.
Posted on Google Google
Lacey Bishop profile picture
Lacey Bishop
6 July 2026
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I recently had the pleasure of working with Kevin for the first time as my buyers came to me already pre approved. We had our work cut out for us, this wasn't an easy contract and it was long! We kept in amazing communication throughout and updated went back and forth, even on evenings and weekends. We worked so well together and I would absolutely love the opportunity to work with Kevin again. If you want a lender that puts in the work and cares about the clients, "Kevin Pennington is your guy!"
Posted on Google Google
Stephen Haines profile picture
Stephen Haines
19 June 2026
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Kevin is exceptional! He was a consummate professional through the entire home purchase process for my spouse and me. He and his team were prompt, professional, and friendly, making us feel at ease throughout a stressful process. I can’t recommend Kevin enough!
Posted on Zillow Zillow
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Carrie Jensen
13 February 2026
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5 stars, absolutely recommend and will use again5 stars, absolutely recommend and will use again I recently refinanced and had an outstanding experience working with Kevin. From start to finish, he went above and beyond to make the entire process as smooth and stress‑free as possible. He was incredibly responsive—always quick to answer questions—and took the time to thoroughly explain every step in a way that was easy to understand. I would absolutely recommend him to anyone looking to refinance or secure a new loan, and I fully plan to work with him again down the road. Thanks again, Kevin!
Posted on Zillow Zillow
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Thao Truong
30 November 2025
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Knowledgeable, Friendly, and Super HelpfulKnowledgeable, Friendly, and Super Helpful I worked with Kevin during the pre-approval process, and he was great to work with. He was super helpful, answered tons of my questions, and really made things easy for me as a first-time homebuyer. The whole process was fast and smooth, and I appreciated how clear and simple he made everything. Definitely a solid experience.
Posted on Zillow Zillow
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user2276848
16 February 2023
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AMAZING!AMAZING! What a quick speedy process this was! Way better than I've experienced! Got a complete list of what they needed and I provided it. No back and forth asking for more :) Kevin answered all my questions so fast! Totally the place to go:)
Posted on Zillow Zillow
BrianGilligan profile picture
BrianGilligan
21 March 2021
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This is the oneThis is the one Kevin came to us as a recommendation from 2 coworkers who were very pleased with his service. When he was contacted initially, he responded right away. He is so kind and personable. He always takes time to answer questions. It’s very rare to find someone so perfect for their job, and Kevin is it. We would never deal with anyone else again if given the choice. We had an absolutely perfect experience, and we look forward to working with Kevin again on our next refinance.
Posted on Zillow Zillow
Marianne Leth profile picture
Marianne Leth
21 May 2020
Zillow star 1Zillow star 2Zillow star 3Zillow star 4Zillow star 5Verified
Kevin is excellent!Kevin is excellent! Kevin did a fabulous job, securing a super low interest rate to refinance my mortgage in the volatile current Covid-19 health crisis. He was always available for questions and providing information and guidance throughout the process - which was especially important because of the daily changes to lending guidelines as the industry adapted to the global pandemic. Kevin deeply cares about his clients and works hard to ensure that all expectations are met.
Posted on Zillow Zillow
Steve S profile picture
Steve S
23 April 2019
Zillow star 1Zillow star 2Zillow star 3Zillow star 4Zillow star 5Verified
Kevin Outperformed My Expectations - Successful 2 Week CloseKevin Outperformed My Expectations - Successful 2 Week Close This was my first time working with Kevin, based on a referral from a friend. From our initial phone call, Kevin listened and responded with a clear understanding of what I was trying to achieve. He provided me guidance and an education on how to best prepare for and secure my financing. Throughout the process, Kevin was available via phone, e-mail and text message within moments of contacting him. (even the day of the superbowl) Kevin posses qualities that set him apart; clear expectation setter, man of his word, clear and consistent communicator and a relentless approach to ensuring everyone else associated with the loan are doing their jobs and working hard for YOU. I would insist that my family and friends use Kevin as their Mortgage Broker. To earn my referral is not easy... in this case, I asked Kevin to provide me a public forum to share it.
Posted on Zillow Zillow
alexjacobraj profile picture
alexjacobraj
12 December 2018
Zillow star 1Zillow star 2Zillow star 3Zillow star 4Zillow star 5Verified
Kevin is awesome!!!Kevin is awesome!!! We were first time home buyers and had so many questions. All we needed to do was call or text him any day any time. He would respond asap with tons of information. He is super friendly and I would highly recommend him.
Posted on Zillow Zillow
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jillianeads11
6 November 2018
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Hands down BEST Mortgage Broker!Hands down BEST Mortgage Broker! I cannot say enough good things about Kevin. We have worked with him two times now because his level of service is EXCEPTIONAL. We felt a complete sense of comfort and peace during the process of buying our home(s) largely in part due to Kevin's diligence, excellent communication, knowledge for the industry and his personable approach. He is just a great guy and very enjoyable to work with! He addresses any potential unknowns/things to expect before it even comes up which helped us feel that much more confident with our decisions. We will recommend him time and time again!!
Posted on Zillow Zillow
ambikajainmanan profile picture
ambikajainmanan
10 October 2018
Zillow star 1Zillow star 2Zillow star 3Zillow star 4Zillow star 5Verified
Kevin is your go to guy!Kevin is your go to guy! Kevin and his team are seriously awesome. He helped us with our first time home buying purchase, answered all our questions (on a daily basis) and really helped us through the anxious and stressful process of buying a home. He was super sweet and professional and he is your lender if you need one!
Posted on Zillow Zillow
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rayrayshakes
21 September 2018
Zillow star 1Zillow star 2Zillow star 3Zillow star 4Zillow star 5Verified
Great broker!Great broker! Kevin Pennington has been a great mortgage broker. He was very friendly and efficient. Our process was very streamlined yet thorough. I’m most impressed with the quickness in responding to emails etc and in processing appropriate paperwork especially toward the end when our deadline was looming. I have and will highly recommend Kevin to anyone.
Posted on Zillow Zillow
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Brady Parsons
12 September 2018
Zillow star 1Zillow star 2Zillow star 3Zillow star 4Zillow star 5Verified
The Dream LenderThe Dream Lender Kevin and his team set the standard for what all Lenders should strive to achieve. He educated me, advocated for me, and ensured I was getting the best possible deal. I was feeling uneasy with the home buying process until I met Kevin. His attention to detail and family feel, put my mind at ease.
Posted on Zillow Zillow
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PujaShah
7 September 2018
Zillow star 1Zillow star 2Zillow star 3Zillow star 4Zillow star 5Verified
Excellent !!!Excellent !!! I have worked with Kevin for both my properties and he is amazing, he plans everything in advance and makes sure communicates through out the process with me. On both the occasions i have had got more than 2 quotes and both times he was able to get me the best rates. would recommend him to everyone!!! BIG FAN !!!
Posted on Yelp Yelp
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Farshad Z.
1 July 2018
Yelp star 1Yelp star 2Yelp star 3Yelp star 4Yelp star 5Verified
I can't say enough good things about kevin and the rest of the team! He had a pre-approval letter ready for me within a day. I know that wouldn't have been possible without his hard work. Kevin kept me updated through every step of the process, and all the costs I could possibly anticipate. As a second time home-buyer, the extra support and professionalism was absolutely invaluable. If you are looking for an easy and Smooth process through out buying a home with a great experience. I would definitely recommend Kevin and his team.
Posted on Yelp Yelp
Double A. profile picture
Double A.
26 April 2017
Yelp star 1Yelp star 2Yelp star 3Yelp star 4Yelp star 5Verified
My wife and I just bought our 2nd home. We happened to work with Washington First Mortgage and Kevin was our Production Coordinator. All I can say is Kevin is a Rockstar! He was extremely polite, easy to work with, knowledgable, and was great at communicating. Both Kevin and the team at Washington First Mortgage did an amazing job. Hands down, I would recommend Kevin 100%. Thank you Kevin!

Kevin's commitment to excellence

Awards and Recognitions

Kevin Pennington’s expertise in lending is celebrated with multiple awards. Recognized by both clients and peers, these accolades underscore Kevin’s commitment to excellence in service and industry leadership.

2026 Top Originator
Scotsman Guide
2026 Rising Star
Scotsman Guide
2026 Rising Star
HousingWire
President’s Club Member
(2022–2025)
Five Star Mortgage Professional
(2022–2025)
2025 Mortgage Broker of the Year
National Association of Mortgage Brokers
2025 Fastest Clear-to-Close
Rocket Mortgage
Top 100 Mortgage Broker
(2023–2025) – Rocket Mortgage
Five Star Professional Under 40
(2023) – Fortune
Best Refinance Mortgage Companies
(2022) – Expertise.com
Your Trusted Mortgage Professional

Why Kevin Pennington

Service

Strategic guidance and precise execution with 300+ five-star reviews. Kevin delivers a smooth experience from application to closing.

Experience

With over 15 years in the industry, Kevin has guided thousands of clients through successful pathways to homeownership with fewer surprises.

Expertise

A Licensed Professional holding the CMC®, CALS®, and CCL® designations. Kevin is approved to originate Bond Program loans.

Our Approach

Enjoy Our Simple, Seamless Process

Get started on a new home loan, or refinancing with Pennington Lending Services. It’s as simple as a click!

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Free Credit Upgrade
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Fully Pre-Underwritten Approvals
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Quick and Reliable Turnarounds
APPLY SECURELY
300+
5-Star Reviews
15+
Years Experience
Top 1%
National Originator
Strategic Pillar
Retail Lenders
Pennington Lending Services
Rate Options
Limited Single-Bank Set
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Competitive Multi-Broker Options
Approval Depth
Soft Pre-Qualification
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Fully Pre-Underwritten Approval
Accessibility
1-800 Corporate Lines
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Direct Mobile Access
Availability
Standard Banking Hours
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Nights & Weekends Included
Locality
Out-of-State Call Centers
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Deep PNW Roots & Expertise
Programs
Fixed In-House Portfolio
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Market-Wide Product Access

1,500+

Families Found Home

People Over Transactions

"You aren't a file number to me. You are a neighbor, and I am your advocate from application to keys."
Deep Washington Roots

Born and raised in the PNW. From Bothell to Wenatchee, I know these communities because I’m part of them.

Kevin Pennington, CFMP, CCL®
NMLS 1534892

Strategic PNW Coverage

Serving Homeowners Across Washington State

King County Hubs

Bothell • Bellevue • Kirkland
Redmond & Eastside

Snohomish Hubs

Lynnwood • Edmonds • Everett
Mukilteo & Coast

Washington Map

South Sound Hubs

Tacoma • Puyallup • Olympia
Pierce County Wide

Eastern WA Hubs

Wenatchee • Leavenworth • Chelan
Central WA Region

Pennington Lending Services is proudly licensed to provide mortgage strategy and financing for properties anywhere within the entire State of Washington.

Let's Chat!

Contact Kevin Pennington

If you are interested in a home loan, please fill out our online application form or contact Kevin M. Pennington.

E: kevinp@equitysmartloans.com
P: (425) 894-7852

Mailing Address:
19125 Northcreek Parkway, Suite 120 PMB 2020
Bothell, WA 98011

Kevin M. Pennington
Mortgage Broker
NMLS 1534892