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Act (HMDA) records Evolve Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Shelby, Tennessee | 192 | $ 58,870,000 | $ 306,614 | $ 137,000 |
| Craighead, Arkansas | 63 | $ 13,445,000 | $ 213,412 | $ 150,000 |
| DeSoto, Mississippi | 22 | $ 6,900,000 | $ 313,636 | $ 109,000 |
| Pulaski, Arkansas | 15 | $ 2,195,000 | $ 146,333 | $ 149,000 |
| Worcester, Massachusetts | 15 | $ 4,105,000 | $ 273,666 | $ 113,000 |
| Fayette, Tennessee | 13 | $ 4,035,000 | $ 310,384 | $ 106,000 |
| Hampden, Massachusetts | 12 | $ 2,510,000 | $ 209,166 | $ 95,000 |
| Suffolk, New York | 12 | $ 6,030,000 | $ 502,500 | $ 238,000 |
| Tipton, Tennessee | 11 | $ 2,745,000 | $ 249,545 | $ 118,000 |
| Benton, Arkansas | 10 | $ 3,580,000 | $ 358,000 | $ 178,000 |
| Los Angeles, California | 10 | $ 8,080,000 | $ 808,000 | $ 226,000 |
| Greene, Arkansas | 9 | $ 1,725,000 | $ 191,666 | $ 113,000 |
| Sharp, Arkansas | 9 | $ 1,175,000 | $ 130,555 | $ 89,000 |
| Kings, New York | 9 | $ 6,715,000 | $ 746,111 | $ 187,000 |
| Crittenden, Arkansas | 8 | $ 2,190,000 | $ 273,750 | $ 172,000 |
| New Castle, Delaware | 8 | $ 2,890,000 | $ 361,250 | $ 110,000 |
| Sussex, Delaware | 8 | $ 2,620,000 | $ 327,500 | $ 157,000 |
| Mississippi, Arkansas | 7 | $ 2,275,000 | $ 325,000 | $ 354,000 |
| Western Connecticut Planning Region, Connecticut | 7 | $ 2,195,000 | $ 313,571 | $ 177,000 |
| Middlesex, Massachusetts | 7 | $ 3,285,000 | $ 469,285 | $ 197,000 |
| Cross, Arkansas | 6 | $ 2,030,000 | $ 338,333 | $ 95,000 |
| Oklahoma, Oklahoma | 6 | $ 1,200,000 | $ 200,000 | $ 236,000 |
| Tulsa, Oklahoma | 6 | $ 910,000 | $ 151,666 | $ 348,000 |
| Newton, Missouri | 5 | $ 915,000 | $ 183,000 | $ 56,000 |
| Saratoga, New York | 5 | $ 1,705,000 | $ 341,000 | $ 178,000 |
| Poinsett, Arkansas | 4 | $ 380,000 | $ 95,000 | $ 211,000 |
| Randolph, Arkansas | 4 | $ 1,460,000 | $ 365,000 | $ 52,000 |
| Washington, Arkansas | 4 | $ 940,000 | $ 235,000 | $ 95,000 |
| Naugatuck Valley Planning Region, Connecticut | 4 | $ 1,630,000 | $ 407,500 | $ 139,000 |
| Charles, Maryland | 4 | $ 1,580,000 | $ 395,000 | $ 150,000 |
| Jefferson, Alabama | 3 | $ 1,025,000 | $ 341,666 | $ 156,000 |
| Cleburne, Arkansas | 3 | $ 895,000 | $ 298,333 | $ 420,000 |
| Fulton, Arkansas | 3 | $ 675,000 | $ 225,000 | $ 106,000 |
| Van Buren, Arkansas | 3 | $ 565,000 | $ 188,333 | $ 345,000 |
| District of Columbia, District Of Columbia | 3 | $ 1,255,000 | $ 418,333 | $ 170,000 |
| Orange, Florida | 3 | $ 635,000 | $ 211,666 | $ 81,000 |
| Plymouth, Massachusetts | 3 | $ 1,455,000 | $ 485,000 | $ 200,000 |
| Madison, Mississippi | 3 | $ 425,000 | $ 141,666 | $ 75,000 |
| Nassau, New York | 3 | $ 1,785,000 | $ 595,000 | $ 551,000 |
| Warren, New York | 3 | $ 645,000 | $ 215,000 | $ 87,000 |
| Madison, Tennessee | 3 | $ 635,000 | $ 211,666 | $ 106,000 |
| Dallas, Texas | 3 | $ 555,000 | $ 185,000 | $ 158,000 |
| Baxter, Arkansas | 2 | $ 820,000 | $ 410,000 | $ 394,000 |
| Garland, Arkansas | 2 | $ 430,000 | $ 215,000 | $ 101,000 |
| Lonoke, Arkansas | 2 | $ 250,000 | $ 125,000 | $ 200,000 |
| South Central Connecticut Planning Region, Connecticut | 2 | $ 860,000 | $ 430,000 | $ 128,000 |
| Southeastern Connecticut Planning Region, Connecticut | 2 | $ 480,000 | $ 240,000 | $ 103,000 |
| Kent, Delaware | 2 | $ 560,000 | $ 280,000 | $ 67,000 |
| Prince George's, Maryland | 2 | $ 880,000 | $ 440,000 | $ 132,000 |
| Essex, Massachusetts | 2 | $ 860,000 | $ 430,000 | $ 97,000 |
| Suffolk, Massachusetts | 2 | $ 1,630,000 | $ 815,000 | $ 212,000 |
| Ottawa, Michigan | 2 | $ 540,000 | $ 270,000 | $ 150,000 |
| Panola, Mississippi | 2 | $ 470,000 | $ 235,000 | $ 37,000 |
| Jackson, Missouri | 2 | $ 340,000 | $ 170,000 | $ 116,000 |
| Jasper, Missouri | 2 | $ 230,000 | $ 115,000 | $ 21,000 |
| St. Louis, Missouri | 2 | $ 560,000 | $ 280,000 | $ 183,000 |
| Rockingham, New Hampshire | 2 | $ 680,000 | $ 340,000 | $ 267,000 |
| Queens, New York | 2 | $ 1,480,000 | $ 740,000 | $ 158,000 |
| Rensselaer, New York | 2 | $ 670,000 | $ 335,000 | $ 212,000 |
| Payne, Oklahoma | 2 | $ 160,000 | $ 80,000 | $ 148,000 |
| Anderson, South Carolina | 2 | $ 410,000 | $ 205,000 | $ 76,000 |
| Davidson, Tennessee | 2 | $ 790,000 | $ 395,000 | $ 147,000 |
| Hamilton, Tennessee | 2 | $ 350,000 | $ 175,000 | $ 131,000 |
| Sumner, Tennessee | 2 | $ 990,000 | $ 495,000 | $ 128,000 |
| Bexar, Texas | 2 | $ 340,000 | $ 170,000 | $ 127,000 |
| Collin, Texas | 2 | $ 470,000 | $ 235,000 | $ 150,000 |
| Harris, Texas | 2 | $ 370,000 | $ 185,000 | $ 248,000 |
| Tarrant, Texas | 2 | $ 410,000 | $ 205,000 | $ 278,000 |
| Portsmouth, Virginia | 2 | $ 650,000 | $ 325,000 | $ 87,000 |
| Madison, Alabama | 1 | $ 205,000 | $ 205,000 | $ 926,000 |
| Shelby, Alabama | 1 | $ 465,000 | $ 465,000 | $ 114,000 |
| St. Clair, Alabama | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Tuscaloosa, Alabama | 1 | $ 555,000 | $ 555,000 | $ 249,000 |
| Carroll, Arkansas | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Clay, Arkansas | 1 | $ 45,000 | $ 45,000 | $ 98,000 |
| Faulkner, Arkansas | 1 | $ 145,000 | $ 145,000 | $ 600,000 |
| Independence, Arkansas | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Izard, Arkansas | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Jackson, Arkansas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Monterey, California | 1 | $ 965,000 | $ 965,000 | $ 370,000 |
| Orange, California | 1 | $ 695,000 | $ 695,000 | $ 233,000 |
| San Diego, California | 1 | $ 315,000 | $ 315,000 | $ 134,000 |
| Greater Bridgeport Planning Region, Connecticut | 1 | $ 375,000 | $ 375,000 | $ 110,000 |
| Clay, Florida | 1 | $ 365,000 | $ 365,000 | $ 148,000 |
| Escambia, Florida | 1 | $ 345,000 | $ 345,000 | $ 93,000 |
| Flagler, Florida | 1 | $ 485,000 | $ 485,000 | $ 273,000 |
| Hillsborough, Florida | 1 | $ 435,000 | $ 435,000 | $ 143,000 |
| Indian River, Florida | 1 | $ 375,000 | $ 375,000 | $ 206,000 |
| Lake, Florida | 1 | $ 445,000 | $ 445,000 | $ 170,000 |
| Pinellas, Florida | 1 | $ 465,000 | $ 465,000 | $ 290,000 |
| Seminole, Florida | 1 | $ 745,000 | $ 745,000 | $ 196,000 |
| Fayette, Georgia | 1 | $ 615,000 | $ 615,000 | $ 133,000 |
| Fulton, Georgia | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| Gwinnett, Georgia | 1 | $ 405,000 | $ 405,000 | $ 113,000 |
| Shoshone, Idaho | 1 | $ 235,000 | $ 235,000 | $ 63,000 |
| Will, Illinois | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Montgomery, Indiana | 1 | $ 265,000 | $ 265,000 | $ 125,000 |
| Anne Arundel, Maryland | 1 | $ 545,000 | $ 545,000 | $ 145,000 |
| Baltimore, Maryland | 1 | $ 315,000 | $ 315,000 | $ 68,000 |
| Cecil, Maryland | 1 | $ 465,000 | $ 465,000 | $ 103,000 |
| Wicomico, Maryland | 1 | $ 235,000 | $ 235,000 | $ 44,000 |
| Barnstable, Massachusetts | 1 | $ 705,000 | $ 705,000 | $ 270,000 |
| Bristol, Massachusetts | 1 | $ 675,000 | $ 675,000 | $ 291,000 |
| Norfolk, Massachusetts | 1 | $ 375,000 | $ 375,000 | $ 126,000 |
| Hennepin, Minnesota | 1 | $ 315,000 | $ 315,000 | $ 195,000 |
| Forrest, Mississippi | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Lafayette, Mississippi | 1 | $ 325,000 | $ 325,000 | $ 102,000 |
| Lowndes, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 158,000 |
| Marshall, Mississippi | 1 | $ 565,000 | $ 565,000 | $ 179,000 |
| Oktibbeha, Mississippi | 1 | $ 145,000 | $ 145,000 | $ 152,000 |
| Tishomingo, Mississippi | 1 | $ 255,000 | $ 255,000 | $ 529,000 |
| Barry, Missouri | 1 | $ 295,000 | $ 295,000 | $ 161,000 |
| Cape Girardeau, Missouri | 1 | $ 265,000 | $ 265,000 | $ 132,000 |
| Greene, Missouri | 1 | $ 215,000 | $ 215,000 | $ 281,000 |
| McDonald, Missouri | 1 | $ 465,000 | $ 465,000 | $ 161,000 |
| St. Charles, Missouri | 1 | $ 425,000 | $ 425,000 | $ 269,000 |
| St. Louis City, Missouri | 1 | $ 395,000 | $ 395,000 | $ 166,000 |
| Wayne, Missouri | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Coos, New Hampshire | 1 | $ 205,000 | $ 205,000 | $ 133,000 |
| Hillsborough, New Hampshire | 1 | $ 275,000 | $ 275,000 | $ 110,000 |
| Mercer, New Jersey | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Delaware, New York | 1 | $ 135,000 | $ 135,000 | $ 63,000 |
| Dutchess, New York | 1 | $ 405,000 | $ 405,000 | $ 475,000 |
| Monroe, New York | 1 | $ 305,000 | $ 305,000 | $ 103,000 |
| New York, New York | 1 | $ 635,000 | $ 635,000 | $ 256,000 |
| Onondaga, New York | 1 | $ 295,000 | $ 295,000 | $ 95,000 |
| Schenectady, New York | 1 | $ 305,000 | $ 305,000 | $ 80,000 |
| Washington, New York | 1 | $ 255,000 | $ 255,000 | $ 64,000 |
| Buncombe, North Carolina | 1 | $ 305,000 | $ 305,000 | $ 132,000 |
| Mecklenburg, North Carolina | 1 | $ 275,000 | $ 275,000 | $ 139,000 |
| New Hanover, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 242,000 |
| Warren, North Carolina | 1 | $ 455,000 | $ 455,000 | $ 157,000 |
| Clermont, Ohio | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Delaware, Ohio | 1 | $ 465,000 | $ 465,000 | $ 225,000 |
| Franklin, Ohio | 1 | $ 345,000 | $ 345,000 | $ 200,000 |
| Pickaway, Ohio | 1 | $ 315,000 | $ 315,000 | $ 271,000 |
| Grady, Oklahoma | 1 | $ 345,000 | $ 345,000 | $ 105,000 |
| Jackson, Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 175,000 |
| Josephine, Oregon | 1 | $ 185,000 | $ 185,000 | $ 100,000 |
| Chester, Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 175,000 |
| Delaware, Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 152,000 |
| Providence, Rhode Island | 1 | $ 285,000 | $ 285,000 | $ 73,000 |
| Berkeley, South Carolina | 1 | $ 465,000 | $ 465,000 | $ 187,000 |
| Charleston, South Carolina | 1 | $ 605,000 | $ 605,000 | $ 134,000 |
| Hardeman, Tennessee | 1 | $ 355,000 | $ 355,000 | $ 109,000 |
| Knox, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 121,000 |
| Lake, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 26,000 |
| Monroe, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Randall, Texas | 1 | $ 195,000 | $ 195,000 | $ 83,000 |
| Addison, Vermont | 1 | $ 375,000 | $ 375,000 | $ 105,000 |
| Accomack, Virginia | 1 | $ 425,000 | $ 425,000 | $ 79,000 |
| Chesapeake, Virginia | 1 | $ 455,000 | $ 455,000 | $ 94,000 |
| Franklin City, Virginia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Newport News, Virginia | 1 | $ 215,000 | $ 215,000 | $ 79,000 |
| Orange, Virginia | 1 | $ 455,000 | $ 455,000 | $ 90,000 |
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.
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with aggregated HMDA statistics today.
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