Evolve Bank & Trust Mortgage Lending & HMDA Data, 2021

In 2021, Evolve Bank & Trust of Memphis, TN reported 6,801 mortgage applications totaling $2.1 billion, up 6% from 2020. The average application was for $307,146, and applicants reported an average income of $131,794. 81% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Memphis, TN-MS-AR (626), Wilmington, DE-MD-NJ (414) and Hartford-West Hartford-East Hartford, CT (412) (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 6,801
Total Mortgage Loan Application Amount $2,088,905,000
Average Mortgage Loan Application Amount $307,146
Highest Mortgage Loan Application Amount $3,765,000
Average Applicant Income $131,794
Highest Applicant Income $2,753,000

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Act (HMDA) records Evolve Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Evolve Bank & Trust by County in 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Shelby, Tennessee 444 $ 103,610,000 $ 233,355 $ 141,000
New Castle, Delaware 403 $ 98,895,000 $ 245,397 $ 79,000
Hartford, Connecticut 310 $ 82,050,000 $ 264,677 $ 127,000
Los Angeles, California 278 $ 149,490,000 $ 537,733 $ 188,000
Worcester, Massachusetts 257 $ 76,825,000 $ 298,929 $ 94,000
Suffolk, New York 237 $ 94,435,000 $ 398,459 $ 167,000
Hampden, Massachusetts 196 $ 46,550,000 $ 237,500 $ 100,000
Fairfield, Connecticut 178 $ 67,450,000 $ 378,932 $ 162,000
Middlesex, Massachusetts 163 $ 60,975,000 $ 374,079 $ 124,000
Prince George's, Maryland 121 $ 36,455,000 $ 301,280 $ 107,000
New Haven, Connecticut 119 $ 33,095,000 $ 278,109 $ 141,000
Franklin, Ohio 102 $ 23,100,000 $ 226,470 $ 91,000
Hillsborough, Florida 95 $ 26,885,000 $ 283,000 $ 90,000
Maricopa, Arizona 93 $ 30,845,000 $ 331,666 $ 140,000
Sussex, Delaware 93 $ 25,185,000 $ 270,806 $ 118,000
Craighead, Arkansas 85 $ 18,475,000 $ 217,352 $ 103,000
DeSoto, Mississippi 83 $ 21,315,000 $ 256,807 $ 107,000
Essex, Massachusetts 78 $ 28,820,000 $ 369,487 $ 108,000
Kent, Delaware 76 $ 19,550,000 $ 257,236 $ 68,000
Hampshire, Massachusetts 73 $ 19,225,000 $ 263,356 $ 111,000
Deschutes, Oregon 72 $ 34,800,000 $ 483,333 $ 180,000
Westchester, New York 71 $ 30,695,000 $ 432,323 $ 181,000
Litchfield, Connecticut 70 $ 16,810,000 $ 240,142 $ 105,000
Pinellas, Florida 64 $ 15,610,000 $ 243,906 $ 98,000
Middlesex, Connecticut 60 $ 14,790,000 $ 246,500 $ 106,000
Santa Clara, California 59 $ 37,905,000 $ 642,457 $ 246,000
Charles, Maryland 58 $ 14,400,000 $ 248,275 $ 98,000
Nassau, New York 55 $ 23,625,000 $ 429,545 $ 191,000
Broward, Florida 44 $ 14,840,000 $ 337,272 $ 109,000
Charleston, South Carolina 44 $ 18,900,000 $ 429,545 $ 167,000
Tolland, Connecticut 42 $ 11,390,000 $ 271,190 $ 116,000
Norfolk, Massachusetts 37 $ 14,005,000 $ 378,513 $ 146,000
Pulaski, Arkansas 36 $ 5,800,000 $ 161,111 $ 170,000
Santa Cruz, California 35 $ 21,435,000 $ 612,428 $ 244,000
Suffolk, Massachusetts 35 $ 16,415,000 $ 469,000 $ 199,000
Hillsborough, New Hampshire 35 $ 10,845,000 $ 309,857 $ 94,000
Alameda, California 34 $ 20,270,000 $ 596,176 $ 207,000
Palm Beach, Florida 32 $ 8,640,000 $ 270,000 $ 144,000
Tipton, Tennessee 32 $ 7,060,000 $ 220,625 $ 91,000
Orange, California 29 $ 19,565,000 $ 674,655 $ 270,000
Fayette, Tennessee 29 $ 6,985,000 $ 240,862 $ 94,000
Chesapeake, Virginia 29 $ 5,165,000 $ 178,103 $ 63,000
Baltimore, Maryland 28 $ 7,770,000 $ 277,500 $ 92,000
Dutchess, New York 28 $ 8,140,000 $ 290,714 $ 119,000
Crittenden, Arkansas 27 $ 4,125,000 $ 152,777 $ 114,000
Miami-Dade, Florida 27 $ 7,365,000 $ 272,777 $ 104,000
Pasco, Florida 27 $ 6,015,000 $ 222,777 $ 80,000
Anne Arundel, Maryland 26 $ 6,840,000 $ 263,076 $ 91,000
Plymouth, Massachusetts 26 $ 10,520,000 $ 404,615 $ 117,000
Sharp, Arkansas 25 $ 3,565,000 $ 142,600 $ 124,000
Baltimore City, Maryland 25 $ 4,285,000 $ 171,400 $ 82,000
Tarrant, Texas 25 $ 5,955,000 $ 238,200 $ 189,000
Pinal, Arizona 24 $ 5,980,000 $ 249,166 $ 129,000
Providence, Rhode Island 24 $ 6,810,000 $ 283,750 $ 140,000
San Mateo, California 23 $ 12,735,000 $ 553,695 $ 408,000
Buchanan, Missouri 23 $ 2,245,000 $ 97,608 $ 198,000
Rockingham, New Hampshire 23 $ 8,805,000 $ 382,826 $ 124,000
Orange, Florida 22 $ 6,220,000 $ 282,727 $ 118,000
Wicomico, Maryland 22 $ 3,270,000 $ 148,636 $ 58,000
Clark, Nevada 22 $ 8,920,000 $ 405,454 $ 316,000
Delaware, Ohio 22 $ 7,710,000 $ 350,454 $ 126,000
Riverside, California 20 $ 6,840,000 $ 342,000 $ 100,000
Dallas, Texas 20 $ 4,940,000 $ 247,000 $ 171,000
Lee, Florida 19 $ 7,545,000 $ 397,105 $ 162,000
Bronx, New York 19 $ 8,215,000 $ 432,368 $ 149,000
Lorain, Ohio 19 $ 3,965,000 $ 208,684 $ 86,000
Harris, Texas 19 $ 4,435,000 $ 233,421 $ 168,000
Utah, Utah 19 $ 7,015,000 $ 369,210 $ 139,000
Portsmouth, Virginia 19 $ 2,575,000 $ 135,526 $ 63,000
Contra Costa, California 18 $ 13,040,000 $ 724,444 $ 211,000
Barnstable, Massachusetts 18 $ 6,330,000 $ 351,666 $ 163,000
Suffolk, Virginia 18 $ 3,060,000 $ 170,000 $ 65,000
New London, Connecticut 17 $ 3,415,000 $ 200,882 $ 83,000
District of Columbia, District Of Columbia 17 $ 4,735,000 $ 278,529 $ 90,000
Henry, Georgia 17 $ 4,255,000 $ 250,294 $ 95,000
Putnam, New York 17 $ 5,395,000 $ 317,352 $ 133,000
Bristol, Massachusetts 16 $ 5,910,000 $ 369,375 $ 105,000
Chester, Pennsylvania 16 $ 4,800,000 $ 300,000 $ 134,000
Washington, Rhode Island 16 $ 6,350,000 $ 396,875 $ 172,000
Horry, South Carolina 16 $ 3,340,000 $ 208,750 $ 104,000
Sacramento, California 15 $ 5,865,000 $ 391,000 $ 174,000
Fulton, Georgia 15 $ 5,055,000 $ 337,000 $ 143,000
Kings, New York 15 $ 6,645,000 $ 443,000 $ 154,000
Queens, New York 15 $ 5,935,000 $ 395,666 $ 124,000
Cuyahoga, Ohio 15 $ 2,785,000 $ 185,666 $ 99,000
Jefferson, Alabama 14 $ 1,550,000 $ 110,714 $ 155,000
San Bernardino, California 14 $ 4,740,000 $ 338,571 $ 126,000
Gwinnett, Georgia 14 $ 4,790,000 $ 342,142 $ 89,000
Montgomery, Maryland 14 $ 5,030,000 $ 359,285 $ 122,000
San Diego, California 13 $ 5,995,000 $ 461,153 $ 171,000
Sarasota, Florida 13 $ 4,565,000 $ 351,153 $ 303,000
Orange, New York 13 $ 3,495,000 $ 268,846 $ 150,000
Union, Ohio 13 $ 4,895,000 $ 376,538 $ 128,000
Midland, Texas 13 $ 3,555,000 $ 273,461 $ 155,000
Greene, Arkansas 12 $ 2,270,000 $ 189,166 $ 139,000
Lawrence, Arkansas 12 $ 1,970,000 $ 164,166 $ 98,000
Ventura, California 12 $ 6,630,000 $ 552,500 $ 131,000
Clark, Ohio 12 $ 2,110,000 $ 175,833 $ 91,000
Fairfield, Ohio 12 $ 2,330,000 $ 194,166 $ 70,000
Oklahoma, Oklahoma 12 $ 1,740,000 $ 145,000 $ 203,000
Davidson, Tennessee 12 $ 3,120,000 $ 260,000 $ 106,000
Hampton, Virginia 12 $ 1,360,000 $ 113,333 $ 63,000
Osceola, Florida 11 $ 2,685,000 $ 244,090 $ 99,000
Volusia, Florida 11 $ 3,695,000 $ 335,909 $ 132,000
Licking, Ohio 11 $ 2,705,000 $ 245,909 $ 85,000
Poinsett, Arkansas 10 $ 880,000 $ 88,000 $ 107,000
San Francisco, California 10 $ 6,750,000 $ 675,000 $ 217,000
Charlotte, Florida 10 $ 2,790,000 $ 279,000 $ 218,000
Polk, Florida 10 $ 2,170,000 $ 217,000 $ 78,000
Cecil, Maryland 10 $ 2,910,000 $ 291,000 $ 75,000
Marshall, Mississippi 10 $ 1,950,000 $ 195,000 $ 75,000
Champaign, Ohio 10 $ 1,670,000 $ 167,000 $ 66,000
Sevier, Tennessee 10 $ 4,270,000 $ 427,000 $ 319,000
Virginia Beach, Virginia 10 $ 2,090,000 $ 209,000 $ 86,000
El Dorado, California 9 $ 2,665,000 $ 296,111 $ 163,000
Collier, Florida 9 $ 3,795,000 $ 421,666 $ 240,000
Paulding, Georgia 9 $ 2,325,000 $ 258,333 $ 110,000
Delaware, Pennsylvania 9 $ 2,235,000 $ 248,333 $ 122,000
Bexar, Texas 9 $ 2,305,000 $ 256,111 $ 242,000
Newport News, Virginia 9 $ 1,335,000 $ 148,333 $ 63,000
Manatee, Florida 8 $ 2,210,000 $ 276,250 $ 83,000
DeKalb, Georgia 8 $ 2,220,000 $ 277,500 $ 141,000
Cook, Illinois 8 $ 2,110,000 $ 263,750 $ 145,000
Howard, Maryland 8 $ 2,080,000 $ 260,000 $ 94,000
Berkshire, Massachusetts 8 $ 2,130,000 $ 266,250 $ 92,000
Montgomery, Ohio 8 $ 1,510,000 $ 188,750 $ 79,000
Tulsa, Oklahoma 8 $ 1,550,000 $ 193,750 $ 132,000
Newport, Rhode Island 8 $ 3,780,000 $ 472,500 $ 490,000
King, Washington 8 $ 3,670,000 $ 458,750 $ 193,000
Seminole, Florida 7 $ 1,925,000 $ 275,000 $ 102,000
Worcester, Maryland 7 $ 1,315,000 $ 187,857 $ 72,000
Mecklenburg, North Carolina 7 $ 1,865,000 $ 266,428 $ 198,000
Dorchester, South Carolina 7 $ 1,595,000 $ 227,857 $ 62,000
Spartanburg, South Carolina 7 $ 1,425,000 $ 203,571 $ 68,000
Hays, Texas 7 $ 2,105,000 $ 300,714 $ 88,000
Randall, Texas 7 $ 1,515,000 $ 216,428 $ 77,000
Fairfax, Virginia 7 $ 2,735,000 $ 390,714 $ 109,000
Norfolk, Virginia 7 $ 1,415,000 $ 202,142 $ 69,000
Prince William, Virginia 7 $ 2,825,000 $ 403,571 $ 125,000
Pima, Arizona 6 $ 1,360,000 $ 226,666 $ 120,000
Cross, Arkansas 6 $ 660,000 $ 110,000 $ 75,000
Windham, Connecticut 6 $ 1,430,000 $ 238,333 $ 103,000
Brevard, Florida 6 $ 1,500,000 $ 250,000 $ 144,000
Cherokee, Georgia 6 $ 1,660,000 $ 276,666 $ 102,000
Cobb, Georgia 6 $ 1,450,000 $ 241,666 $ 99,000
Bergen, New Jersey 6 $ 2,830,000 $ 471,666 $ 214,000
Rockland, New York 6 $ 2,200,000 $ 366,666 $ 144,000
Greene, Ohio 6 $ 1,670,000 $ 278,333 $ 97,000
Kent, Rhode Island 6 $ 1,820,000 $ 303,333 $ 82,000
Hardin, Tennessee 6 $ 1,330,000 $ 221,666 $ 168,000
Montgomery, Texas 6 $ 1,140,000 $ 190,000 $ 132,000
Salt Lake, Utah 6 $ 2,340,000 $ 390,000 $ 146,000
Isle of Wight, Virginia 6 $ 1,810,000 $ 301,666 $ 101,000
Randolph, Arkansas 5 $ 945,000 $ 189,000 $ 101,000
Saline, Arkansas 5 $ 965,000 $ 193,000 $ 210,000
Flagler, Florida 5 $ 1,235,000 $ 247,000 $ 85,000
St. Johns, Florida 5 $ 1,185,000 $ 237,000 $ 223,000
Douglas, Georgia 5 $ 1,405,000 $ 281,000 $ 158,000
Fayette, Georgia 5 $ 1,135,000 $ 227,000 $ 94,000
Forsyth, Georgia 5 $ 1,685,000 $ 337,000 $ 95,000
Honolulu, Hawaii 5 $ 1,495,000 $ 299,000 $ 128,000
St. Mary's, Maryland 5 $ 985,000 $ 197,000 $ 71,000
Washoe, Nevada 5 $ 2,105,000 $ 421,000 $ 214,000
Cheshire, New Hampshire 5 $ 1,225,000 $ 245,000 $ 90,000
Monmouth, New Jersey 5 $ 2,695,000 $ 539,000 $ 120,000
Erie, Ohio 5 $ 1,405,000 $ 281,000 $ 97,000
Multnomah, Oregon 5 $ 2,385,000 $ 477,000 $ 476,000
Montgomery, Pennsylvania 5 $ 1,465,000 $ 293,000 $ 117,000
Beaufort, South Carolina 5 $ 1,785,000 $ 357,000 $ 152,000
York, South Carolina 5 $ 1,325,000 $ 265,000 $ 86,000
Fort Bend, Texas 5 $ 1,375,000 $ 275,000 $ 108,000
Williamson, Texas 5 $ 1,475,000 $ 295,000 $ 144,000
Franklin City, Virginia 5 $ 885,000 $ 177,000 $ 47,000
Baldwin, Alabama 4 $ 2,280,000 $ 570,000 $ 143,000
Shelby, Alabama 4 $ 830,000 $ 207,500 $ 120,000
Jefferson, Arkansas 4 $ 380,000 $ 95,000 $ 221,000
Mississippi, Arkansas 4 $ 510,000 $ 127,500 $ 116,000
Fresno, California 4 $ 590,000 $ 147,500 $ 122,000
Shasta, California 4 $ 1,180,000 $ 295,000 $ 263,000
Yolo, California 4 $ 1,020,000 $ 255,000 $ 94,000
Duval, Florida 4 $ 1,020,000 $ 255,000 $ 109,000
Lake, Florida 4 $ 970,000 $ 242,500 $ 105,000
Marion, Florida 4 $ 700,000 $ 175,000 $ 56,000
St. Lucie, Florida 4 $ 1,030,000 $ 257,500 $ 54,000
Butts, Georgia 4 $ 760,000 $ 190,000 $ 50,000
Chatham, Georgia 4 $ 970,000 $ 242,500 $ 145,000
Lamar, Georgia 4 $ 970,000 $ 242,500 $ 67,000
Newton, Georgia 4 $ 980,000 $ 245,000 $ 75,000
Calvert, Maryland 4 $ 1,880,000 $ 470,000 $ 138,000
Frederick, Maryland 4 $ 870,000 $ 217,500 $ 59,000
Harford, Maryland 4 $ 1,010,000 $ 252,500 $ 114,000
Wayne, Michigan 4 $ 930,000 $ 232,500 $ 149,000
Lafayette, Mississippi 4 $ 830,000 $ 207,500 $ 118,000
Jackson, Missouri 4 $ 890,000 $ 222,500 $ 103,000
Burlington, New Jersey 4 $ 1,270,000 $ 317,500 $ 216,000
Essex, New Jersey 4 $ 1,280,000 $ 320,000 $ 98,000
Ocean, New Jersey 4 $ 2,240,000 $ 560,000 $ 116,000
Saratoga, New York 4 $ 1,230,000 $ 307,500 $ 198,000
Cabarrus, North Carolina 4 $ 520,000 $ 130,000 $ 195,000
Gaston, North Carolina 4 $ 460,000 $ 115,000 $ 207,000
Orange, North Carolina 4 $ 1,540,000 $ 385,000 $ 166,000
Lane, Oregon 4 $ 1,190,000 $ 297,500 $ 443,000
Bristol, Rhode Island 4 $ 1,240,000 $ 310,000 $ 146,000
Greenville, South Carolina 4 $ 1,330,000 $ 332,500 $ 79,000
Hardeman, Tennessee 4 $ 570,000 $ 142,500 $ 70,000
Montgomery, Tennessee 4 $ 1,280,000 $ 320,000 $ 106,000
Williamson, Tennessee 4 $ 5,160,000 $ 1,290,000 $ 583,000
Collin, Texas 4 $ 1,070,000 $ 267,500 $ 123,000
Ector, Texas 4 $ 740,000 $ 185,000 $ 55,000
Travis, Texas 4 $ 2,500,000 $ 625,000 $ 347,000
Windsor, Vermont 4 $ 870,000 $ 217,500 $ 205,000
Accomack, Virginia 4 $ 880,000 $ 220,000 $ 97,000
Pierce, Washington 4 $ 1,080,000 $ 270,000 $ 133,000
Madison, Alabama 3 $ 375,000 $ 125,000 $ 139,000
Tuscaloosa, Alabama 3 $ 535,000 $ 178,333 $ 375,000
Yavapai, Arizona 3 $ 1,365,000 $ 455,000 $ 110,000
Fulton, Arkansas 3 $ 375,000 $ 125,000 $ 369,000
Independence, Arkansas 3 $ 735,000 $ 245,000 $ 75,000
Monterey, California 3 $ 3,005,000 $ 1,001,666 $ 283,000
Napa, California 3 $ 1,465,000 $ 488,333 $ 379,000
Placer, California 3 $ 1,285,000 $ 428,333 $ 162,000
Santa Barbara, California 3 $ 1,505,000 $ 501,666 $ 156,000
El Paso, Colorado 3 $ 1,185,000 $ 395,000 $ 276,000
Bay, Florida 3 $ 655,000 $ 218,333 $ 144,000
Escambia, Florida 3 $ 935,000 $ 311,666 $ 66,000
Martin, Florida 3 $ 425,000 $ 141,666 $ 66,000
Walton, Florida 3 $ 1,435,000 $ 478,333 $ 612,000
Coweta, Georgia 3 $ 1,185,000 $ 395,000 $ 147,000
Hawaii, Hawaii 3 $ 835,000 $ 278,333 $ 147,000
Ada, Idaho 3 $ 445,000 $ 148,333 $ 63,000
Bonner, Idaho 3 $ 765,000 $ 255,000 $ 93,000
York, Maine 3 $ 835,000 $ 278,333 $ 296,000
Franklin, Massachusetts 3 $ 665,000 $ 221,666 $ 68,000
Oakland, Michigan 3 $ 375,000 $ 125,000 $ 106,000
Tishomingo, Mississippi 3 $ 675,000 $ 225,000 $ 193,000
Douglas, Nevada 3 $ 1,365,000 $ 455,000 $ 177,000
Camden, New Jersey 3 $ 695,000 $ 231,666 $ 88,000
Morris, New Jersey 3 $ 1,735,000 $ 578,333 $ 140,000
Bernalillo, New Mexico 3 $ 705,000 $ 235,000 $ 53,000
Dona Ana, New Mexico 3 $ 525,000 $ 175,000 $ 73,000
Cleveland, North Carolina 3 $ 265,000 $ 88,333 $ 206,000
Guilford, North Carolina 3 $ 465,000 $ 155,000 $ 173,000
Johnston, North Carolina 3 $ 595,000 $ 198,333 $ 77,000
Onslow, North Carolina 3 $ 445,000 $ 148,333 $ 57,000
Rowan, North Carolina 3 $ 315,000 $ 105,000 $ 110,000
Union, North Carolina 3 $ 665,000 $ 221,666 $ 52,000
Wake, North Carolina 3 $ 505,000 $ 168,333 $ 51,000
Jefferson, Oregon 3 $ 845,000 $ 281,666 $ 56,000
Philadelphia, Pennsylvania 3 $ 985,000 $ 328,333 $ 147,000
Berkeley, South Carolina 3 $ 975,000 $ 325,000 $ 106,000
Hamilton, Tennessee 3 $ 905,000 $ 301,666 $ 127,000
Knox, Tennessee 3 $ 1,035,000 $ 345,000 $ 116,000
Rutherford, Tennessee 3 $ 885,000 $ 295,000 $ 55,000
Davis, Utah 3 $ 935,000 $ 311,666 $ 71,000
Southampton, Virginia 3 $ 555,000 $ 185,000 $ 44,000
Spokane, Washington 3 $ 905,000 $ 301,666 $ 85,000
Mohave, Arizona 2 $ 750,000 $ 375,000 $ 171,000
Benton, Arkansas 2 $ 550,000 $ 275,000 $ 42,000
Lonoke, Arkansas 2 $ 230,000 $ 115,000 $ 175,000
St. Francis, Arkansas 2 $ 300,000 $ 150,000 $ 106,000
Washington, Arkansas 2 $ 430,000 $ 215,000 $ 135,000
San Joaquin, California 2 $ 1,030,000 $ 515,000 $ 145,000
San Luis Obispo, California 2 $ 1,640,000 $ 820,000 $ 284,000
Sonoma, California 2 $ 1,590,000 $ 795,000 $ 197,000
Jefferson, Colorado 2 $ 520,000 $ 260,000 $ 57,000
Leon, Florida 2 $ 160,000 $ 80,000 $ 130,000
Monroe, Florida 2 $ 890,000 $ 445,000 $ 311,000
Hall, Georgia 2 $ 560,000 $ 280,000 $ 63,000
Houston, Georgia 2 $ 210,000 $ 105,000 $ 136,000
Jasper, Georgia 2 $ 660,000 $ 330,000 $ 161,000
Pickens, Georgia 2 $ 430,000 $ 215,000 $ 64,000
Maui, Hawaii 2 $ 2,400,000 $ 1,200,000 $ 217,000
Kootenai, Idaho 2 $ 770,000 $ 385,000 $ 82,000
Lake, Illinois 2 $ 760,000 $ 380,000 $ 234,000
Marion, Indiana 2 $ 230,000 $ 115,000 $ 133,000
Johnson, Kansas 2 $ 860,000 $ 430,000 $ 107,000
Hancock, Maine 2 $ 950,000 $ 475,000 $ 710,000
Caroline, Maryland 2 $ 360,000 $ 180,000 $ 88,000
Kent, Maryland 2 $ 550,000 $ 275,000 $ 220,000
Talbot, Maryland 2 $ 290,000 $ 145,000 $ 84,000
Kent, Michigan 2 $ 590,000 $ 295,000 $ 322,000
Macomb, Michigan 2 $ 580,000 $ 290,000 $ 85,000
Hennepin, Minnesota 2 $ 320,000 $ 160,000 $ 165,000
Jackson, Mississippi 2 $ 590,000 $ 295,000 $ 58,000
Madison, Mississippi 2 $ 490,000 $ 245,000 $ 109,000
Camden, Missouri 2 $ 370,000 $ 185,000 $ 100,000
Clay, Missouri 2 $ 190,000 $ 95,000 $ 144,000
St. Louis, Missouri 2 $ 220,000 $ 110,000 $ 221,000
St. Louis City, Missouri 2 $ 140,000 $ 70,000 $ 190,000
Missoula, Montana 2 $ 870,000 $ 435,000 $ 206,000
Nye, Nevada 2 $ 630,000 $ 315,000 $ 69,000
Carroll, New Hampshire 2 $ 470,000 $ 235,000 $ 216,000
Merrimack, New Hampshire 2 $ 480,000 $ 240,000 $ 91,000
Strafford, New Hampshire 2 $ 560,000 $ 280,000 $ 92,000
Gloucester, New Jersey 2 $ 600,000 $ 300,000 $ 97,000
Middlesex, New Jersey 2 $ 500,000 $ 250,000 $ 166,000
Somerset, New Jersey 2 $ 1,110,000 $ 555,000 $ 145,000
Columbia, New York 2 $ 630,000 $ 315,000 $ 117,000
Monroe, New York 2 $ 600,000 $ 300,000 $ 100,000
Richmond, New York 2 $ 820,000 $ 410,000 $ 119,000
Wayne, New York 2 $ 370,000 $ 185,000 $ 110,000
Henderson, North Carolina 2 $ 530,000 $ 265,000 $ 59,000
Pitt, North Carolina 2 $ 450,000 $ 225,000 $ 102,000
Stanly, North Carolina 2 $ 210,000 $ 105,000 $ 205,000
Huron, Ohio 2 $ 680,000 $ 340,000 $ 109,000
Lake, Ohio 2 $ 260,000 $ 130,000 $ 185,000
Logan, Ohio 2 $ 420,000 $ 210,000 $ 50,000
Medina, Ohio 2 $ 350,000 $ 175,000 $ 70,000
Summit, Ohio 2 $ 470,000 $ 235,000 $ 195,000
Clackamas, Oregon 2 $ 620,000 $ 310,000 $ 56,000
Washington, Oregon 2 $ 1,250,000 $ 625,000 $ 154,000
Allegheny, Pennsylvania 2 $ 320,000 $ 160,000 $ 32,000
Bucks, Pennsylvania 2 $ 720,000 $ 360,000 $ 81,000
Lancaster, Pennsylvania 2 $ 460,000 $ 230,000 $ 116,000
Monroe, Pennsylvania 2 $ 440,000 $ 220,000 $ 174,000
Lancaster, South Carolina 2 $ 370,000 $ 185,000 $ 80,000
Richland, South Carolina 2 $ 460,000 $ 230,000 $ 110,000
Henderson, Tennessee 2 $ 350,000 $ 175,000 $ 107,000
Lauderdale, Tennessee 2 $ 170,000 $ 85,000 $ 39,000
McNairy, Tennessee 2 $ 470,000 $ 235,000 $ 271,000
Sumner, Tennessee 2 $ 410,000 $ 205,000 $ 110,000
Bastrop, Texas 2 $ 570,000 $ 285,000 $ 134,000
Comal, Texas 2 $ 490,000 $ 245,000 $ 95,000
Denton, Texas 2 $ 440,000 $ 220,000 $ 65,000
El Paso, Texas 2 $ 460,000 $ 230,000 $ 110,000
Gray, Texas 2 $ 200,000 $ 100,000 $ 57,000
Johnson, Texas 2 $ 400,000 $ 200,000 $ 152,000
Lubbock, Texas 2 $ 280,000 $ 140,000 $ 137,000
Parker, Texas 2 $ 590,000 $ 295,000 $ 112,000
Potter, Texas 2 $ 850,000 $ 425,000 $ 114,000
Smith, Texas 2 $ 270,000 $ 135,000 $ 442,000
Iron, Utah 2 $ 530,000 $ 265,000 $ 70,000
Washington, Utah 2 $ 860,000 $ 430,000 $ 124,000
Orleans, Vermont 2 $ 1,080,000 $ 540,000 $ 382,000
Windham, Vermont 2 $ 390,000 $ 195,000 $ 77,000
Chesterfield, Virginia 2 $ 250,000 $ 125,000 $ 59,000
Franklin, Virginia 2 $ 370,000 $ 185,000 $ 75,000
Greene, Virginia 2 $ 530,000 $ 265,000 $ 59,000
James City, Virginia 2 $ 330,000 $ 165,000 $ 63,000
Loudoun, Virginia 2 $ 1,190,000 $ 595,000 $ 184,000
Stafford, Virginia 2 $ 450,000 $ 225,000 $ 185,000
Berkeley, West Virginia 2 $ 630,000 $ 315,000 $ 130,000
Coffee, Alabama 1 $ 395,000 $ 395,000 $ 178,000
Lauderdale, Alabama 1 $ 275,000 $ 275,000 $ 50,000
Montgomery, Alabama 1 $ 215,000 $ 215,000 $ 85,000
Talladega, Alabama 1 $ 85,000 $ 85,000 $ 73,000
Walker, Alabama 1 $ 95,000 $ 95,000 $ 120,000
La Paz, Arizona 1 $ 515,000 $ 515,000 $ 176,000
Yuma, Arizona 1 $ 155,000 $ 155,000 $ 63,000
Cleburne, Arkansas 1 $ 125,000 $ 125,000 $ 513,000
Garland, Arkansas 1 $ 425,000 $ 425,000 $ 136,000
Grant, Arkansas 1 $ 55,000 $ 55,000 $ 60,000
Izard, Arkansas 1 $ 185,000 $ 185,000 $ 74,000
Lee, Arkansas 1 $ 55,000 $ 55,000 $ 0
Stone, Arkansas 1 $ 135,000 $ 135,000 $ 52,000
Van Buren, Arkansas 1 $ 65,000 $ 65,000 $ 85,000
White, Arkansas 1 $ 85,000 $ 85,000 $ 60,000
Kern, California 1 $ 125,000 $ 125,000 $ 236,000
Kings, California 1 $ 345,000 $ 345,000 $ 210,000
Lake, California 1 $ 355,000 $ 355,000 $ 187,000
Madera, California 1 $ 145,000 $ 145,000 $ 56,000
Marin, California 1 $ 925,000 $ 925,000 $ 369,000
Nevada, California 1 $ 575,000 $ 575,000 $ 150,000
Stanislaus, California 1 $ 705,000 $ 705,000 $ 144,000
Tuolumne, California 1 $ 135,000 $ 135,000 $ 251,000
Adams, Colorado 1 $ 425,000 $ 425,000 $ 0
Boulder, Colorado 1 $ 475,000 $ 475,000 $ 68,000
Denver, Colorado 1 $ 505,000 $ 505,000 $ 127,000
Gunnison, Colorado 1 $ 545,000 $ 545,000 $ 453,000
San Miguel, Colorado 1 $ 175,000 $ 175,000 $ 90,000
Citrus, Florida 1 $ 175,000 $ 175,000 $ 91,000
Hernando, Florida 1 $ 515,000 $ 515,000 $ 215,000
Highlands, Florida 1 $ 135,000 $ 135,000 $ 55,000
Indian River, Florida 1 $ 305,000 $ 305,000 $ 99,000
Levy, Florida 1 $ 355,000 $ 355,000 $ 72,000
Okaloosa, Florida 1 $ 235,000 $ 235,000 $ 120,000
Barrow, Georgia 1 $ 205,000 $ 205,000 $ 70,000
Bartow, Georgia 1 $ 285,000 $ 285,000 $ 161,000
Bibb, Georgia 1 $ 305,000 $ 305,000 $ 118,000
Bulloch, Georgia 1 $ 135,000 $ 135,000 $ 56,000
Clayton, Georgia 1 $ 405,000 $ 405,000 $ 92,000
Columbia, Georgia 1 $ 285,000 $ 285,000 $ 138,000
Dawson, Georgia 1 $ 245,000 $ 245,000 $ 66,000
Effingham, Georgia 1 $ 265,000 $ 265,000 $ 90,000
Fannin, Georgia 1 $ 265,000 $ 265,000 $ 48,000
Glynn, Georgia 1 $ 215,000 $ 215,000 $ 90,000
Habersham, Georgia 1 $ 205,000 $ 205,000 $ 44,000
Madison, Georgia 1 $ 115,000 $ 115,000 $ 57,000
Monroe, Georgia 1 $ 265,000 $ 265,000 $ 48,000
Muscogee, Georgia 1 $ 285,000 $ 285,000 $ 80,000
Pike, Georgia 1 $ 295,000 $ 295,000 $ 90,000
Putnam, Georgia 1 $ 325,000 $ 325,000 $ 225,000
Rockdale, Georgia 1 $ 185,000 $ 185,000 $ 72,000
Spalding, Georgia 1 $ 205,000 $ 205,000 $ 31,000
Upson, Georgia 1 $ 325,000 $ 325,000 $ 63,000
Walker, Georgia 1 $ 155,000 $ 155,000 $ 69,000
Walton, Georgia 1 $ 185,000 $ 185,000 $ 78,000
Ware, Georgia 1 $ 225,000 $ 225,000 $ 160,000
White, Georgia 1 $ 145,000 $ 145,000 $ 47,000
Teton, Idaho 1 $ 685,000 $ 685,000 $ 215,000
Champaign, Illinois 1 $ 315,000 $ 315,000 $ 182,000
DuPage, Illinois 1 $ 255,000 $ 255,000 $ 97,000
Kane, Illinois 1 $ 115,000 $ 115,000 $ 79,000
Macon, Illinois 1 $ 165,000 $ 165,000 $ 76,000
Peoria, Illinois 1 $ 245,000 $ 245,000 $ 188,000
Will, Illinois 1 $ 205,000 $ 205,000 $ 70,000
Boone, Indiana 1 $ 315,000 $ 315,000 $ 152,000
Hamilton, Indiana 1 $ 125,000 $ 125,000 $ 96,000
Butler, Kansas 1 $ 95,000 $ 95,000 $ 46,000
Sumner, Kansas 1 $ 345,000 $ 345,000 $ 88,000
Fayette, Kentucky 1 $ 545,000 $ 545,000 $ 250,000
Franklin, Kentucky 1 $ 155,000 $ 155,000 $ 40,000
Jefferson, Kentucky 1 $ 65,000 $ 65,000 $ 36,000
Knox, Kentucky 1 $ 175,000 $ 175,000 $ 74,000
Pulaski, Kentucky 1 $ 115,000 $ 115,000 $ 80,000
Todd, Kentucky 1 $ 155,000 $ 155,000 $ 89,000
Calcasieu, Louisiana 1 $ 165,000 $ 165,000 $ 129,000
East Baton Rouge, Louisiana 1 $ 115,000 $ 115,000 $ 18,000
Orleans, Louisiana 1 $ 545,000 $ 545,000 $ 280,000
Franklin, Maine 1 $ 115,000 $ 115,000 $ 99,000
Knox, Maine 1 $ 175,000 $ 175,000 $ 111,000
Lincoln, Maine 1 $ 375,000 $ 375,000 $ 99,000
Washington, Maine 1 $ 135,000 $ 135,000 $ 91,000
Carroll, Maryland 1 $ 405,000 $ 405,000 $ 61,000
Dorchester, Maryland 1 $ 265,000 $ 265,000 $ 62,000
Washington, Maryland 1 $ 545,000 $ 545,000 $ 160,000
Allegan, Michigan 1 $ 545,000 $ 545,000 $ 700,000
Antrim, Michigan 1 $ 545,000 $ 545,000 $ 176,000
Hillsdale, Michigan 1 $ 85,000 $ 85,000 $ 46,000
Isabella, Michigan 1 $ 155,000 $ 155,000 $ 31,000
Midland, Michigan 1 $ 175,000 $ 175,000 $ 167,000
Saginaw, Michigan 1 $ 145,000 $ 145,000 $ 20,000
Sanilac, Michigan 1 $ 135,000 $ 135,000 $ 62,000
Dakota, Minnesota 1 $ 355,000 $ 355,000 $ 64,000
St. Louis, Minnesota 1 $ 75,000 $ 75,000 $ 81,000
Washington, Minnesota 1 $ 305,000 $ 305,000 $ 257,000
Lee, Mississippi 1 $ 285,000 $ 285,000 $ 266,000
Newton, Mississippi 1 $ 105,000 $ 105,000 $ 43,000
Panola, Mississippi 1 $ 295,000 $ 295,000 $ 61,000
Simpson, Mississippi 1 $ 75,000 $ 75,000 $ 30,000
Sunflower, Mississippi 1 $ 135,000 $ 135,000 $ 15,000
Tippah, Mississippi 1 $ 125,000 $ 125,000 $ 54,000
Tunica, Mississippi 1 $ 125,000 $ 125,000 $ 105,000
Union, Mississippi 1 $ 315,000 $ 315,000 $ 129,000
Warren, Mississippi 1 $ 85,000 $ 85,000 $ 35,000
Yazoo, Mississippi 1 $ 155,000 $ 155,000 $ 60,000
Dunklin, Missouri 1 $ 125,000 $ 125,000 $ 77,000
Harrison, Missouri 1 $ 65,000 $ 65,000 $ 204,000
Ray, Missouri 1 $ 85,000 $ 85,000 $ 48,000
Scott, Missouri 1 $ 75,000 $ 75,000 $ 54,000
St. Charles, Missouri 1 $ 165,000 $ 165,000 $ 50,000
Stone, Missouri 1 $ 375,000 $ 375,000 $ 118,000
Gallatin, Montana 1 $ 925,000 $ 925,000 $ 259,000
Ravalli, Montana 1 $ 305,000 $ 305,000 $ 47,000
Yellowstone, Montana 1 $ 125,000 $ 125,000 $ 148,000
Custer, Nebraska 1 $ 225,000 $ 225,000 $ 57,000
Dawes, Nebraska 1 $ 195,000 $ 195,000 $ 143,000
Douglas, Nebraska 1 $ 375,000 $ 375,000 $ 125,000
Belknap, New Hampshire 1 $ 415,000 $ 415,000 $ 248,000
Grafton, New Hampshire 1 $ 355,000 $ 355,000 $ 230,000
Sullivan, New Hampshire 1 $ 305,000 $ 305,000 $ 92,000
Atlantic, New Jersey 1 $ 75,000 $ 75,000 $ 163,000
Cape May, New Jersey 1 $ 155,000 $ 155,000 $ 30,000
Cumberland, New Jersey 1 $ 265,000 $ 265,000 $ 212,000
Hunterdon, New Jersey 1 $ 655,000 $ 655,000 $ 319,000
Passaic, New Jersey 1 $ 315,000 $ 315,000 $ 121,000
Salem, New Jersey 1 $ 125,000 $ 125,000 $ 88,000
Union, New Jersey 1 $ 695,000 $ 695,000 $ 247,000
Grant, New Mexico 1 $ 65,000 $ 65,000 $ 67,000
Lincoln, New Mexico 1 $ 85,000 $ 85,000 $ 414,000
Sandoval, New Mexico 1 $ 235,000 $ 235,000 $ 109,000
Union, New Mexico 1 $ 85,000 $ 85,000 $ 53,000
Cattaraugus, New York 1 $ 65,000 $ 65,000 $ 50,000
Delaware, New York 1 $ 105,000 $ 105,000 $ 150,000
Erie, New York 1 $ 225,000 $ 225,000 $ 298,000
Essex, New York 1 $ 175,000 $ 175,000 $ 239,000
Herkimer, New York 1 $ 115,000 $ 115,000 $ 37,000
Jefferson, New York 1 $ 105,000 $ 105,000 $ 30,000
New York, New York 1 $ 305,000 $ 305,000 $ 305,000
Oswego, New York 1 $ 195,000 $ 195,000 $ 61,000
Rensselaer, New York 1 $ 125,000 $ 125,000 $ 65,000
Schoharie, New York 1 $ 165,000 $ 165,000 $ 66,000
St. Lawrence, New York 1 $ 115,000 $ 115,000 $ 104,000
Sullivan, New York 1 $ 75,000 $ 75,000 $ 166,000
Ulster, New York 1 $ 265,000 $ 265,000 $ 147,000
Brunswick, North Carolina 1 $ 245,000 $ 245,000 $ 152,000
Buncombe, North Carolina 1 $ 255,000 $ 255,000 $ 73,000
Carteret, North Carolina 1 $ 305,000 $ 305,000 $ 62,000
Columbus, North Carolina 1 $ 215,000 $ 215,000 $ 69,000
Cumberland, North Carolina 1 $ 145,000 $ 145,000 $ 128,000
Dare, North Carolina 1 $ 255,000 $ 255,000 $ 148,000
Davidson, North Carolina 1 $ 105,000 $ 105,000 $ 97,000
Durham, North Carolina 1 $ 85,000 $ 85,000 $ 189,000
Harnett, North Carolina 1 $ 365,000 $ 365,000 $ 92,000
Iredell, North Carolina 1 $ 95,000 $ 95,000 $ 310,000
Jackson, North Carolina 1 $ 275,000 $ 275,000 $ 141,000
Macon, North Carolina 1 $ 355,000 $ 355,000 $ 178,000
Madison, North Carolina 1 $ 335,000 $ 335,000 $ 299,000
Mitchell, North Carolina 1 $ 95,000 $ 95,000 $ 27,000
Moore, North Carolina 1 $ 315,000 $ 315,000 $ 0
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Mortgage Loan Application Detail Totals for Evolve Bank & Trust in 2021

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 3,674 $1,097,780,000 $298,000 $3,765,000 $122,000 $2,726,000
Refinancing 1,887 $605,075,000 $320,000 $2,965,000 $149,000 $2,753,000
Cash-out Refinancing 1,204 $374,910,000 $311,000 $1,995,000 $135,000 $1,724,000
Home Improvement 35 $11,005,000 $314,000 $965,000 $124,000 $876,000
Other Purpose 1 $135,000 $135,000 $135,000 $65,000 $65,000
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 4,448 $1,390,160,000 $312,000 $2,965,000 $142,000 $2,753,000
Black or African American 991 $259,465,000 $261,000 $1,955,000 $94,000 $622,000
Hispanic 744 $223,610,000 $300,000 $1,605,000 $97,000 $824,000
Asian 333 $117,385,000 $352,000 $1,525,000 $168,000 $813,000
Not Provided 213 $80,025,000 $375,000 $3,765,000 $155,000 $1,644,000
Not applicable 50 $10,380,000 $207,000 $1,455,000 $0 $0
American Indian or Alaskan Native 16 $6,110,000 $381,000 $1,995,000 $191,000 $1,217,000
Native Hawaiian or Other Pacific Islander 4 $1,280,000 $320,000 $405,000 $119,000 $197,000

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) 5,317 $1,695,815,000 $318,000 $3,765,000 $146,000 $2,753,000
FHA-insured (Federal Housing Administration) 1,208 $302,700,000 $250,000 $1,145,000 $76,000 $445,000
VA-guaranteed (Veterans Administration) 215 $77,455,000 $360,000 $1,855,000 $105,000 $546,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 61 $12,935,000 $212,000 $415,000 $61,000 $108,000

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 5,529 $1,660,665,000 $300,000 $3,765,000 $130,000 $2,753,000
Application Withdrawn By Applicant 879 $296,775,000 $337,000 $2,965,000 $144,000 $2,726,000
Application Denied By Financial Institution 334 $108,060,000 $323,000 $2,355,000 $114,000 $1,724,000
Application Approved But Not Accepted 49 $18,635,000 $380,000 $1,525,000 $212,000 $1,544,000
Preapproval Approved but not Accepted 10 $4,770,000 $477,000 $825,000 $126,000 $215,000
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
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 6,467 $1,980,845,000 $306,000 $3,765,000 $133,000 $2,753,000
Other 112 $38,050,000 $339,000 $2,355,000 $148,000 $813,000
Debt-To-Income Ratio 106 $37,140,000 $350,000 $1,625,000 $87,000 $1,724,000
Credit History 41 $12,265,000 $299,000 $815,000 $88,000 $300,000
Collateral 38 $11,170,000 $293,000 $895,000 $135,000 $951,000
Insufficient Cash (Downpayment, Closing Cost) 17 $4,505,000 $265,000 $655,000 $84,000 $275,000
Employment History 13 $2,855,000 $219,000 $385,000 $85,000 $346,000
Unverifiable Information 7 $2,075,000 $296,000 $565,000 $145,000 $228,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Evolve Bank & Trust's 2021 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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