Evergreen Bank Group Mortgage Lending & HMDA Data, 2024
In 2024, Evergreen Bank Group of Oak Brook, IL reported 827 mortgage applications totaling $88.5 million, up 130% from 2023. The average application was for $107,055, and applicants reported an average income of $145,386. 49% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Chicago-Naperville, IL (293), Phoenix-Mesa-Scottsdale, AZ (63) and Lake County-Kenosha County, IL-WI (32) (applications in parentheses).
| Mortgage Company & Address | Evergreen Bank Group 1515 22nd St # 100 Oak Brook, IL 60523 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2019 |
| Total Number of Mortgage Applications | 827 |
| Total Mortgage Loan Application Amount | $88,535,000 |
| Average Mortgage Loan Application Amount | $107,055 |
| Highest Mortgage Loan Application Amount | $2,565,000 |
| Average Applicant Income | $145,386 |
| Highest Applicant Income | $1,440,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Evergreen Bank Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville, IL | 293 | $ 37,315,000 | $ 127,354 | $ 222,000 |
| Phoenix-Mesa-Scottsdale, AZ | 63 | $ 5,845,000 | $ 92,777 | $ 83,000 |
| Outside any metro area | 53 | $ 5,775,000 | $ 108,962 | $ 127,584 |
| Lake County-Kenosha County, IL-WI | 32 | $ 4,570,000 | $ 142,812 | $ 269,000 |
| Warren-Troy-Farmington Hills, MI | 30 | $ 2,290,000 | $ 76,333 | $ 73,000 |
| Tucson, AZ | 29 | $ 2,155,000 | $ 74,310 | $ 68,000 |
| Elgin, IL | 23 | $ 2,255,000 | $ 98,043 | $ 225,000 |
| Prescott Valley-Prescott, AZ | 17 | $ 2,405,000 | $ 141,470 | $ 94,000 |
| Atlantic City-Hammonton, NJ | 16 | $ 1,880,000 | $ 117,500 | $ 103,000 |
| Lakewood-New Brunswick, NJ | 15 | $ 1,565,000 | $ 104,333 | $ 64,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 13 | $ 1,235,000 | $ 95,000 | $ 82,000 |
| Montgomery County-Bucks County-Chester County, PA | 13 | $ 1,005,000 | $ 77,307 | $ 66,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 12 | $ 1,160,000 | $ 96,666 | $ 107,000 |
| Grand Rapids-Wyoming, MI | 12 | $ 960,000 | $ 80,000 | $ 87,000 |
| Albany-Schenectady-Troy, NY | 10 | $ 540,000 | $ 54,000 | $ 77,000 |
| Detroit-Dearborn-Livonia, MI | 10 | $ 860,000 | $ 86,000 | $ 74,000 |
| Monroe, MI | 10 | $ 630,000 | $ 63,000 | $ 73,000 |
| Yuma, AZ | 10 | $ 1,080,000 | $ 108,000 | $ 116,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 7 | $ 445,000 | $ 63,571 | $ 89,000 |
| Reading, PA | 7 | $ 635,000 | $ 90,714 | $ 68,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 725,000 | $ 103,571 | $ 110,000 |
| Camden, NJ | 6 | $ 690,000 | $ 115,000 | $ 64,000 |
| Lakeland-Winter Haven, FL | 6 | $ 360,000 | $ 60,000 | $ 84,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 515,000 | $ 103,000 | $ 68,200 |
| Dover, DE | 5 | $ 485,000 | $ 97,000 | $ 63,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 475,000 | $ 95,000 | $ 223,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 415,000 | $ 83,000 | $ 79,000 |
| Rochester, NY | 5 | $ 345,000 | $ 69,000 | $ 50,000 |
| Utica-Rome, NY | 5 | $ 385,000 | $ 77,000 | $ 99,000 |
| Akron, OH | 4 | $ 200,000 | $ 50,000 | $ 61,000 |
| Lancaster, PA | 4 | $ 490,000 | $ 122,500 | $ 56,000 |
| Nassau County-Suffolk County, NY | 4 | $ 460,000 | $ 115,000 | $ 89,000 |
| Newark, NJ-PA | 4 | $ 340,000 | $ 85,000 | $ 84,000 |
| Niles-Benton Harbor, MI | 4 | $ 230,000 | $ 57,500 | $ 54,000 |
| Pittsburgh, PA | 4 | $ 320,000 | $ 80,000 | $ 70,000 |
| Portland-South Portland, ME | 4 | $ 400,000 | $ 100,000 | $ 60,000 |
| Wilmington, DE-MD-NJ | 4 | $ 430,000 | $ 107,500 | $ 98,750 |
| Ann Arbor, MI | 3 | $ 365,000 | $ 121,666 | $ 96,000 |
| Boise City, ID | 3 | $ 385,000 | $ 128,333 | $ 83,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 365,000 | $ 121,666 | $ 60,000 |
| Kingston, NY | 3 | $ 215,000 | $ 71,666 | $ 87,000 |
| Providence-Warwick, RI-MA | 3 | $ 475,000 | $ 158,333 | $ 96,666 |
| Cape Coral-Fort Myers, FL | 2 | $ 260,000 | $ 130,000 | $ 134,000 |
| Eugene, OR | 2 | $ 80,000 | $ 40,000 | $ 37,000 |
| Everett, WA | 2 | $ 250,000 | $ 125,000 | $ 110,000 |
| Lake County-Porter County-Jasper County, IN | 2 | $ 80,000 | $ 40,000 | $ 57,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 180,000 | $ 90,000 | $ 91,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 90,000 | $ 45,000 | $ 57,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 210,000 | $ 105,000 | $ 119,000 |
| Punta Gorda, FL | 2 | $ 240,000 | $ 120,000 | $ 103,000 |
| Salem, OR | 2 | $ 80,000 | $ 40,000 | $ 39,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 330,000 | $ 165,000 | $ 75,000 |
| Syracuse, NY | 2 | $ 120,000 | $ 60,000 | $ 65,000 |
| Trenton, NJ | 2 | $ 150,000 | $ 75,000 | $ 44,000 |
| Arlington-Alexandria-Reston, VA-WV | 1 | $ 75,000 | $ 75,000 | $ 67,000 |
| Battle Creek, MI | 1 | $ 45,000 | $ 45,000 | $ 59,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 135,000 | $ 135,000 | $ 130,000 |
| Columbus, OH | 1 | $ 115,000 | $ 115,000 | $ 92,000 |
| Flagstaff, AZ | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Fort Wayne, IN | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Grants Pass, OR | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Harrisburg-Carlisle, PA | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Homosassa Springs, FL | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Jackson, MI | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Lewiston-Auburn, ME | 1 | $ 195,000 | $ 195,000 | $ 104,000 |
| Lima, OH | 1 | $ 45,000 | $ 45,000 | $ 34,000 |
| Longview, WA | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Manchester-Nashua, NH | 1 | $ 95,000 | $ 95,000 | $ 79,000 |
| Michigan City-La Porte, IN | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Muskegon, MI | 1 | $ 45,000 | $ 45,000 | $ 49,000 |
| Norwich-New London, CT | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Rockingham County-Strafford County, NH | 1 | $ 135,000 | $ 135,000 | $ 86,000 |
| Sandusky, OH | 1 | $ 65,000 | $ 65,000 | $ 88,000 |
| Sebastian-Vero Beach, FL | 1 | $ 35,000 | $ 35,000 | $ 90,000 |
| Sebring, FL | 1 | $ 75,000 | $ 75,000 | $ 209,000 |
| Spokane-Spokane Valley, WA | 1 | $ 25,000 | $ 25,000 | $ 22,000 |
| Springfield, OH | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Tampa, FL | 1 | $ 155,000 | $ 155,000 | $ 120,000 |
| Toledo, OH | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Traverse City, MI | 1 | $ 335,000 | $ 335,000 | $ 105,000 |
| Twin Falls, ID | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Walla Walla, WA | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Waterbury-Shelton, CT | 1 | $ 105,000 | $ 105,000 | $ 252,000 |
| Watertown-Fort Drum, NY | 1 | $ 45,000 | $ 45,000 | $ 239,000 |
| Worcester, MA-CT | 1 | $ 95,000 | $ 95,000 | $ 330,000 |
Mortgage Loan Application Detail Totals for Evergreen Bank Group in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 442 | $44,250,000 | $100,000 | $2,565,000 | $89,000 | $705,000 |
| Other Purpose | 170 | $20,690,000 | $121,000 | $1,005,000 | $216,000 | $1,440,000 |
| Home Improvement | 159 | $17,395,000 | $109,000 | $405,000 | $231,000 | $1,145,000 |
| Cash-out Refinancing | 35 | $3,285,000 | $93,000 | $395,000 | $79,000 | $342,000 |
| Refinancing | 21 | $2,915,000 | $138,000 | $455,000 | $223,000 | $712,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 606 | $62,540,000 | $103,000 | $405,000 | $142,000 | $1,162,000 |
| Not Provided | 97 | $10,545,000 | $108,000 | $455,000 | $163,000 | $948,000 |
| Hispanic | 66 | $5,760,000 | $87,000 | $205,000 | $118,000 | $575,000 |
| Asian | 24 | $2,430,000 | $101,000 | $205,000 | $234,000 | $1,440,000 |
| Black or African American | 23 | $2,065,000 | $89,000 | $505,000 | $153,000 | $822,000 |
| Not applicable | 7 | $4,815,000 | $687,000 | $2,565,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $380,000 | $95,000 | $105,000 | $93,000 | $157,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 827 | $88,535,000 | $107,000 | $2,565,000 | $145,000 | $1,440,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 406 | $47,200,000 | $116,000 | $2,565,000 | $183,000 | $1,162,000 |
| Application Denied By Financial Institution | 224 | $22,590,000 | $100,000 | $505,000 | $113,000 | $1,440,000 |
| File Closed For Incompleteness | 144 | $13,700,000 | $95,000 | $295,000 | $103,000 | $925,000 |
| Application Withdrawn By Applicant | 37 | $3,465,000 | $93,000 | $215,000 | $84,000 | $215,000 |
| Application Approved But Not Accepted | 13 | $1,175,000 | $90,000 | $175,000 | $172,000 | $310,000 |
| Loan Purchased By The Institution | 3 | $405,000 | $135,000 | $185,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 822 | $87,760,000 | $106,000 | $2,565,000 | $145,000 | $1,440,000 |
| Not applicable | 5 | $775,000 | $155,000 | $255,000 | $232,000 | $349,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Evergreen Bank Group's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Evergreen Bank Group's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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