Evolve Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Evolve Bank & Trust of Memphis, TN reported 671 mortgage applications totaling $207.3 million, down 65% from 2024. The average application was for $308,874, and applicants reported an average income of $152,913. 71% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Memphis, TN-MS-AR (247), Jonesboro, AR (67) and Little Rock-North Little Rock-Conway, AR (18) (applications in parentheses).
| Mortgage Company & Address | Evolve Bank & Trust 6000 Poplar Avenue Suite 300 Memphis, TN 38119 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 671 |
| Total Mortgage Loan Application Amount | $207,255,000 |
| Average Mortgage Loan Application Amount | $308,874 |
| Highest Mortgage Loan Application Amount | $4,805,000 |
| Average Applicant Income | $152,913 |
| Highest Applicant Income | $926,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Evolve Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Evolve Bank & Trust in 2025
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 | 527 | $156,755,000 | $297,000 | $2,265,000 | $157,000 | $926,000 |
| Refinancing | 87 | $31,725,000 | $364,000 | $2,355,000 | $158,000 | $924,000 |
| Cash-out Refinancing | 42 | $12,340,000 | $293,000 | $1,125,000 | $122,000 | $259,000 |
| Home Improvement | 12 | $6,030,000 | $502,000 | $4,805,000 | $71,000 | $105,000 |
| Other Purpose | 3 | $405,000 | $135,000 | $185,000 | $48,000 | $100,000 |
| 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 | 393 | $115,655,000 | $294,000 | $1,545,000 | $151,000 | $924,000 |
| Not applicable | 79 | $26,275,000 | $332,000 | $4,805,000 | $0 | $0 |
| Black or African American | 76 | $22,760,000 | $299,000 | $745,000 | $108,000 | $324,000 |
| Not Provided | 48 | $14,510,000 | $302,000 | $765,000 | $195,000 | $559,000 |
| Hispanic | 42 | $17,780,000 | $423,000 | $1,125,000 | $160,000 | $475,000 |
| Asian | 31 | $9,645,000 | $311,000 | $815,000 | $223,000 | $926,000 |
| American Indian or Alaskan Native | 1 | $465,000 | $465,000 | $465,000 | $300,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $165,000 | $165,000 | $165,000 | $53,000 | $53,000 |
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) | 498 | $150,130,000 | $301,000 | $4,805,000 | $174,000 | $926,000 |
| FHA-insured (Federal Housing Administration) | 124 | $39,660,000 | $319,000 | $1,085,000 | $104,000 | $637,000 |
| VA-guaranteed (Veterans Administration) | 43 | $15,695,000 | $365,000 | $725,000 | $113,000 | $291,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,770,000 | $295,000 | $385,000 | $94,000 | $115,000 |
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 | 477 | $138,705,000 | $290,000 | $4,805,000 | $157,000 | $926,000 |
| Application Withdrawn By Applicant | 120 | $38,890,000 | $324,000 | $1,085,000 | $148,000 | $924,000 |
| Application Denied By Financial Institution | 56 | $22,240,000 | $397,000 | $895,000 | $131,000 | $273,000 |
| Application Approved But Not Accepted | 14 | $5,420,000 | $387,000 | $1,125,000 | $172,000 | $550,000 |
| Loan Purchased By The Institution | 4 | $2,000,000 | $500,000 | $835,000 | $206,000 | $456,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 615 | $185,015,000 | $300,000 | $4,805,000 | $156,000 | $926,000 |
| Credit Application Incomplete | 28 | $13,600,000 | $485,000 | $895,000 | $142,000 | $273,000 |
| Other | 11 | $3,645,000 | $331,000 | $725,000 | $139,000 | $220,000 |
| Collateral | 7 | $2,205,000 | $315,000 | $745,000 | $131,000 | $163,000 |
| Debt-To-Income Ratio | 4 | $1,050,000 | $262,000 | $405,000 | $66,000 | $132,000 |
| Credit History | 3 | $395,000 | $131,000 | $195,000 | $59,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,000,000 | $500,000 | $615,000 | $156,000 | $186,000 |
| Unverifiable Information | 1 | $345,000 | $345,000 | $345,000 | $200,000 | $200,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Evolve Bank & Trust's 2025 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 Evolve Bank & Trust'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.
For a list of all lenders in Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.
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