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

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.

Work With Kevin
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
Get Your Tailored Quote

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

Mortgage Strategy Tools

🏔️
Loan Limits

2026 limits for all 39 WA counties.

View Limits
📈
Wealth Gap

Visualize long-term appreciation.

Wealth Tool
🧮
Payment Tool

Complete PITI payment estimates.

Calculate
📰
Insights

Latest rate and market updates.

Read Blog

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