Evo Home Loans, LLC dba Epiq Lending Mortgage Lending & HMDA Data, 2024
In 2024, Evo Home Loans, LLC dba Epiq Lending of San Ramon, CA reported 296 mortgage applications totaling $128.5 million, down 25% from 2023. The average application was for $434,020, and applicants reported an average income of $188,972. 59% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (179), Las Vegas-Henderson-Paradise, NV (25) and Riverside-San Bernardino-Ontario, CA (18) (applications in parentheses).
| Mortgage Company & Address | Evo Home Loans, LLC dba Epiq Lending San Ramon, CA 94583 |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 296 |
| Total Mortgage Loan Application Amount | $128,470,000 |
| Average Mortgage Loan Application Amount | $434,020 |
| Highest Mortgage Loan Application Amount | $1,575,000 |
| Average Applicant Income | $188,972 |
| Highest Applicant Income | $1,449,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Evo Home Loans, LLC dba Epiq Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Maricopa, Arizona | 159 | $ 65,445,000 | $ 411,603 | $ 184,000 |
| Clark, Nevada | 25 | $ 9,165,000 | $ 366,600 | $ 146,000 |
| Pinal, Arizona | 20 | $ 5,760,000 | $ 288,000 | $ 80,000 |
| Riverside, California | 12 | $ 4,350,000 | $ 362,500 | $ 129,000 |
| Orange, California | 11 | $ 8,175,000 | $ 743,181 | $ 253,000 |
| Washington, Utah | 8 | $ 4,520,000 | $ 565,000 | $ 135,000 |
| Coconino, Arizona | 7 | $ 5,625,000 | $ 803,571 | $ 486,000 |
| Yavapai, Arizona | 7 | $ 3,125,000 | $ 446,428 | $ 246,000 |
| Los Angeles, California | 7 | $ 4,655,000 | $ 665,000 | $ 542,000 |
| San Bernardino, California | 6 | $ 2,660,000 | $ 443,333 | $ 177,000 |
| San Diego, California | 4 | $ 2,200,000 | $ 550,000 | $ 266,000 |
| Iron, Utah | 4 | $ 1,440,000 | $ 360,000 | $ 124,000 |
| Navajo, Arizona | 3 | $ 815,000 | $ 271,666 | $ 93,000 |
| Duval, Florida | 3 | $ 545,000 | $ 181,666 | $ 85,000 |
| Mohave, Arizona | 2 | $ 800,000 | $ 400,000 | $ 118,000 |
| Salt Lake, Utah | 2 | $ 810,000 | $ 405,000 | $ 102,000 |
| Apache, Arizona | 1 | $ 285,000 | $ 285,000 | $ 169,000 |
| Gila, Arizona | 1 | $ 665,000 | $ 665,000 | $ 198,000 |
| Yuma, Arizona | 1 | $ 225,000 | $ 225,000 | $ 119,000 |
| Santa Clara, California | 1 | $ 555,000 | $ 555,000 | $ 246,000 |
| Yuba, California | 1 | $ 495,000 | $ 495,000 | $ 242,000 |
| Collier, Florida | 1 | $ 725,000 | $ 725,000 | $ 411,000 |
| Hillsborough, Florida | 1 | $ 545,000 | $ 545,000 | $ 135,000 |
| Pasco, Florida | 1 | $ 135,000 | $ 135,000 | $ 41,000 |
| Sarasota, Florida | 1 | $ 535,000 | $ 535,000 | $ 188,000 |
| Volusia, Florida | 1 | $ 415,000 | $ 415,000 | $ 175,000 |
| Davis, Utah | 1 | $ 515,000 | $ 515,000 | $ 185,000 |
Mortgage Loan Application Detail Totals for Evo Home Loans, LLC dba Epiq Lending 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 | 242 | $103,800,000 | $428,000 | $1,575,000 | $182,000 | $1,449,000 |
| Cash-out Refinancing | 30 | $8,920,000 | $297,000 | $1,365,000 | $134,000 | $570,000 |
| Refinancing | 24 | $15,750,000 | $656,000 | $1,445,000 | $328,000 | $997,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 161 | $71,235,000 | $442,000 | $1,575,000 | $209,000 | $1,449,000 |
| Hispanic | 52 | $16,600,000 | $319,000 | $825,000 | $98,000 | $217,000 |
| Not Provided | 47 | $20,775,000 | $442,000 | $1,445,000 | $188,000 | $930,000 |
| Asian | 24 | $14,730,000 | $613,000 | $1,495,000 | $255,000 | $727,000 |
| Black or African American | 11 | $4,795,000 | $435,000 | $625,000 | $194,000 | $971,000 |
| American Indian or Alaskan Native | 1 | $335,000 | $335,000 | $335,000 | $85,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 257 | $114,025,000 | $443,000 | $1,495,000 | $201,000 | $1,449,000 |
| VA-guaranteed (Veterans Administration) | 27 | $11,895,000 | $440,000 | $1,575,000 | $105,000 | $207,000 |
| FHA-insured (Federal Housing Administration) | 6 | $2,140,000 | $356,000 | $495,000 | $146,000 | $242,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $410,000 | $68,000 | $335,000 | $91,000 | $180,000 |
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 | 176 | $74,820,000 | $425,000 | $1,575,000 | $176,000 | $1,449,000 |
| Application Withdrawn By Applicant | 68 | $31,870,000 | $468,000 | $1,445,000 | $244,000 | $997,000 |
| Application Denied By Financial Institution | 29 | $8,935,000 | $308,000 | $745,000 | $110,000 | $286,000 |
| Application Approved But Not Accepted | 18 | $9,560,000 | $531,000 | $1,495,000 | $219,000 | $1,449,000 |
| Preapproval Denied by Financial Institution | 3 | $1,565,000 | $521,000 | $765,000 | $75,000 | $119,000 |
| Preapproval Approved but not Accepted | 2 | $1,720,000 | $860,000 | $1,085,000 | $351,000 | $418,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 264 | $117,970,000 | $446,000 | $1,575,000 | $198,000 | $1,449,000 |
| Debt-To-Income Ratio | 15 | $6,405,000 | $427,000 | $765,000 | $90,000 | $160,000 |
| Other | 9 | $1,985,000 | $220,000 | $425,000 | $135,000 | $286,000 |
| Collateral | 2 | $580,000 | $290,000 | $295,000 | $116,000 | $169,000 |
| Employment History | 2 | $360,000 | $180,000 | $345,000 | $47,000 | $47,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $620,000 | $310,000 | $335,000 | $97,000 | $109,000 |
| Unverifiable Information | 1 | $505,000 | $505,000 | $505,000 | $183,000 | $183,000 |
| Credit History | 1 | $45,000 | $45,000 | $45,000 | $180,000 | $180,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Evo Home Loans, LLC dba Epiq Lending'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 Evo Home Loans, LLC dba Epiq Lending'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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with aggregated HMDA statistics today.
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