Kevin M. Pennington, CFMP, CCL®
Licensed Mortgage Broker
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.
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
Scotsman Guide
2026 Rising Star
Scotsman Guide
Scotsman Guide
2026 Rising Star
HousingWire
HousingWire
President’s Club Member
(2022–2025)
(2022–2025)
Five Star Mortgage Professional
(2022–2025)
(2022–2025)
2025 Mortgage Broker of the Year
National Association of Mortgage Brokers
National Association of Mortgage Brokers
2025 Fastest Clear-to-Close
Rocket Mortgage
Rocket Mortgage
Top 100 Mortgage Broker
(2023–2025) – Rocket Mortgage
(2023–2025) – Rocket Mortgage
Five Star Professional Under 40
(2023) – Fortune
(2023) – Fortune
Best Refinance Mortgage Companies
(2022) – Expertise.com
(2022) – Expertise.com
Your Trusted Mortgage Professional
Why Kevin Pennington
Service
A mortgage is one of the most important financial decisions you’ll make. Kevin is known for his responsiveness, strategic guidance, and precise execution. With 300+ five-star reviews and national industry awards, he delivers a smooth, well-managed experience from application to closing.
Experience
With over 15 years in the mortgage industry, Kevin has guided thousands of clients, from first-time buyers to seasoned investors, through successful purchases and refinances. His experience means fewer surprises, stronger offers, and smoother closings.
Expertise
Kevin is a Licensed Mortgage Professional holding the Certified Mortgage Consultant (CMC®), Certified FHA Mortgage Professional (CFMP®), and Certified Community Lender (CCL®) designations. He is also approved with the Washington State Housing Finance Commission 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!
Free Credit Upgrade
Fully Pre-Underwritten Approvals
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
Competitive Multi-Broker Options
Approval Depth
Soft Pre-Qualification
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Fully Pre-Underwritten Approval
Fully Pre-Underwritten Approval
Accessibility
1-800 Corporate Lines
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Direct Mobile Access
Direct Mobile Access
Availability
Standard Banking Hours
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Nights & Weekends Included
Nights & Weekends Included
Locality
Out-of-State Call Centers
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Deep PNW Roots & Expertise
Deep PNW Roots & Expertise
Programs
Fixed In-House Portfolio
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Market-Wide Product Access
Market-Wide Product Access
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
