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Act (HMDA) records Evolve Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Memphis, TN-MS-AR | 626 | $ 145,170,000 | $ 231,900 | $ 129,289 |
| Wilmington, DE-MD-NJ | 414 | $ 101,930,000 | $ 246,207 | $ 78,925 |
| Hartford-West Hartford-East Hartford, CT | 412 | $ 108,230,000 | $ 262,694 | $ 123,000 |
| Outside any metro area | 349 | $ 78,485,000 | $ 224,885 | $ 129,108 |
| Nassau County-Suffolk County, NY | 292 | $ 118,060,000 | $ 404,315 | $ 171,000 |
| Los Angeles-Long Beach-Glendale, CA | 278 | $ 149,490,000 | $ 537,733 | $ 188,000 |
| Springfield, MA | 272 | $ 66,440,000 | $ 244,264 | $ 102,000 |
| Worcester, MA-CT | 263 | $ 78,255,000 | $ 297,547 | $ 94,205 |
| Cambridge-Newton-Framingham, MA | 241 | $ 89,795,000 | $ 372,593 | $ 119,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 221 | $ 65,435,000 | $ 296,085 | $ 105,556 |
| Tampa-St. Petersburg-Clearwater, FL | 187 | $ 49,025,000 | $ 262,165 | $ 92,000 |
| Bridgeport-Stamford-Norwalk, CT | 178 | $ 67,450,000 | $ 378,932 | $ 162,000 |
| Columbus, OH | 164 | $ 41,430,000 | $ 252,621 | $ 96,000 |
| New York-Jersey City-White Plains, NY-NJ | 153 | $ 63,355,000 | $ 414,084 | $ 162,830 |
| Salisbury, MD-DE | 122 | $ 29,770,000 | $ 244,016 | $ 104,450 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 120 | $ 20,580,000 | $ 171,500 | $ 66,000 |
| New Haven-Milford, CT | 119 | $ 33,095,000 | $ 278,109 | $ 141,000 |
| Atlanta-Sandy Springs-Roswell, GA | 117 | $ 32,975,000 | $ 281,837 | $ 106,000 |
| Phoenix-Mesa-Scottsdale, AZ | 117 | $ 36,825,000 | $ 314,743 | $ 137,000 |
| Boston, MA | 98 | $ 40,940,000 | $ 417,755 | $ 158,000 |
| Jonesboro, AR | 95 | $ 19,355,000 | $ 203,736 | $ 103,000 |
| Baltimore-Columbia-Towson, MD | 92 | $ 22,390,000 | $ 243,369 | $ 90,000 |
| Dover, DE | 76 | $ 19,550,000 | $ 257,236 | $ 68,000 |
| Providence-Warwick, RI-MA | 74 | $ 25,910,000 | $ 350,135 | $ 173,972 |
| Bend-Redmond, OR | 72 | $ 34,800,000 | $ 483,333 | $ 180,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 59 | $ 37,905,000 | $ 642,457 | $ 246,000 |
| Charleston-North Charleston, SC | 54 | $ 21,470,000 | $ 397,592 | $ 151,000 |
| New York-Newark, NY | 54 | $ 18,180,000 | $ 336,666 | $ 129,000 |
| Oakland-Hayward-Berkeley, CA | 52 | $ 33,310,000 | $ 640,576 | $ 208,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 44 | $ 14,840,000 | $ 337,272 | $ 109,000 |
| Little Rock-North Little Rock-Conway, AR | 44 | $ 7,050,000 | $ 160,227 | $ 173,000 |
| Orlando-Kissimmee-Sanford, FL | 44 | $ 11,800,000 | $ 268,181 | $ 110,000 |
| Cleveland-Elyria, OH | 39 | $ 7,535,000 | $ 193,205 | $ 94,000 |
| Manchester-Nashua, NH | 35 | $ 10,845,000 | $ 309,857 | $ 94,000 |
| Santa Cruz-Watsonville, CA | 35 | $ 21,435,000 | $ 612,428 | $ 244,000 |
| Riverside-San Bernardino-Ontario, CA | 34 | $ 11,580,000 | $ 340,588 | $ 111,000 |
| San Francisco-Redwood City-South San Francisco, CA | 33 | $ 19,485,000 | $ 590,454 | $ 350,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 32 | $ 8,640,000 | $ 270,000 | $ 144,000 |
| Houston-The Woodlands-Sugar Land, TX | 31 | $ 7,135,000 | $ 230,161 | $ 148,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 31 | $ 10,835,000 | $ 349,516 | $ 159,000 |
| Anaheim-Santa Ana-Irvine, CA | 29 | $ 19,565,000 | $ 674,655 | $ 270,000 |
| Charlotte-Concord-Gastonia, NC-SC | 29 | $ 5,615,000 | $ 193,620 | $ 150,758 |
| Fort Worth-Arlington, TX | 29 | $ 6,945,000 | $ 239,482 | $ 181,000 |
| Dallas-Plano-Irving, TX | 27 | $ 6,645,000 | $ 246,111 | $ 166,000 |
| Miami-Miami Beach-Kendall, FL | 27 | $ 7,365,000 | $ 272,777 | $ 104,000 |
| Rockingham County-Strafford County, NH | 25 | $ 9,365,000 | $ 374,600 | $ 122,000 |
| Montgomery County-Bucks County-Chester County, PA | 23 | $ 6,985,000 | $ 303,695 | $ 125,000 |
| St. Joseph, MO-KS | 23 | $ 2,245,000 | $ 97,608 | $ 198,000 |
| Las Vegas-Henderson-Paradise, NV | 22 | $ 8,920,000 | $ 405,454 | $ 316,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 21 | $ 9,575,000 | $ 455,952 | $ 190,000 |
| North Port-Sarasota-Bradenton, FL | 21 | $ 6,775,000 | $ 322,619 | $ 219,000 |
| Austin-Round Rock, TX | 19 | $ 6,865,000 | $ 361,315 | $ 161,000 |
| Cape Coral-Fort Myers, FL | 19 | $ 7,545,000 | $ 397,105 | $ 162,000 |
| Provo-Orem, UT | 19 | $ 7,015,000 | $ 369,210 | $ 139,000 |
| Barnstable Town, MA | 18 | $ 6,330,000 | $ 351,666 | $ 163,000 |
| Birmingham-Hoover, AL | 18 | $ 2,380,000 | $ 132,222 | $ 147,000 |
| Washington-Baltimore-Arlington, DC | 18 | $ 5,900,000 | $ 327,777 | $ 107,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 17 | $ 3,585,000 | $ 210,882 | $ 106,823 |
| Norwich-New London, CT | 17 | $ 3,415,000 | $ 200,882 | $ 83,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 16 | $ 4,930,000 | $ 308,125 | $ 117,000 |
| Dayton-Springfield-Kettering, OH | 14 | $ 3,180,000 | $ 227,142 | $ 87,000 |
| Midland, TX | 13 | $ 3,555,000 | $ 273,461 | $ 155,000 |
| Oklahoma City, OK | 13 | $ 1,835,000 | $ 141,153 | $ 203,000 |
| San Antonio-New Braunfels, TX | 13 | $ 3,985,000 | $ 306,538 | $ 212,000 |
| San Diego-Carlsbad, CA | 13 | $ 5,995,000 | $ 461,153 | $ 171,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 12 | $ 6,630,000 | $ 552,500 | $ 131,000 |
| Philadelphia, PA | 12 | $ 3,220,000 | $ 268,333 | $ 128,000 |
| Springfield, OH | 12 | $ 2,110,000 | $ 175,833 | $ 91,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 11 | $ 4,835,000 | $ 439,545 | $ 280,727 |
| Chicago-Naperville, IL | 10 | $ 2,570,000 | $ 257,000 | $ 133,000 |
| Lakeland-Winter Haven, FL | 10 | $ 2,170,000 | $ 217,000 | $ 78,000 |
| Newark, NJ-PA | 10 | $ 4,490,000 | $ 449,000 | $ 147,400 |
| Punta Gorda, FL | 10 | $ 2,790,000 | $ 279,000 | $ 218,000 |
| Amarillo, TX | 9 | $ 2,365,000 | $ 262,777 | $ 85,000 |
| Camden, NJ | 9 | $ 2,565,000 | $ 285,000 | $ 147,000 |
| Jacksonville, FL | 9 | $ 2,205,000 | $ 245,000 | $ 172,000 |
| Kansas City, MO-KS | 9 | $ 2,025,000 | $ 225,000 | $ 106,222 |
| Naples-Immokalee-Marco Island, FL | 9 | $ 3,795,000 | $ 421,666 | $ 240,000 |
| Seattle-Bellevue-Everett, WA | 9 | $ 4,445,000 | $ 493,888 | $ 189,000 |
| Tulsa, OK | 9 | $ 1,675,000 | $ 186,111 | $ 182,000 |
| Pittsfield, MA | 8 | $ 2,130,000 | $ 266,250 | $ 92,000 |
| Port St. Lucie, FL | 7 | $ 1,455,000 | $ 207,857 | $ 59,000 |
| Salt Lake City, UT | 7 | $ 2,545,000 | $ 363,571 | $ 136,000 |
| Spartanburg, SC | 7 | $ 1,425,000 | $ 203,571 | $ 68,000 |
| Albany-Schenectady-Troy, NY | 6 | $ 1,520,000 | $ 253,333 | $ 154,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 6 | $ 1,950,000 | $ 325,000 | $ 134,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 1,500,000 | $ 250,000 | $ 144,000 |
| Raleigh, NC | 6 | $ 1,100,000 | $ 183,333 | $ 64,000 |
| Tucson, AZ | 6 | $ 1,360,000 | $ 226,666 | $ 120,000 |
| California-Lexington Park, MD | 5 | $ 985,000 | $ 197,000 | $ 71,000 |
| Durham-Chapel Hill, NC | 5 | $ 1,625,000 | $ 325,000 | $ 171,000 |
| Greenville-Anderson-Mauldin, SC | 5 | $ 1,735,000 | $ 347,000 | $ 69,000 |
| Reno, NV | 5 | $ 2,105,000 | $ 421,000 | $ 214,000 |
| Savannah, GA | 5 | $ 1,235,000 | $ 247,000 | $ 134,000 |
| St. Louis, MO-IL | 5 | $ 525,000 | $ 105,000 | $ 174,000 |
| Urban Honolulu, HI | 5 | $ 1,495,000 | $ 299,000 | $ 128,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 955,000 | $ 191,000 | $ 98,000 |
| Albuquerque, NM | 4 | $ 940,000 | $ 235,000 | $ 67,000 |
| Asheville, NC | 4 | $ 1,120,000 | $ 280,000 | $ 122,000 |
| Charlottesville, VA | 4 | $ 1,280,000 | $ 320,000 | $ 110,000 |
| Chattanooga, TN-GA | 4 | $ 1,060,000 | $ 265,000 | $ 112,500 |
| Clarksville, TN-KY | 4 | $ 1,280,000 | $ 320,000 | $ 106,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 1,670,000 | $ 417,500 | $ 489,000 |
| Daphne-Fairhope-Foley, AL | 4 | $ 2,280,000 | $ 570,000 | $ 143,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 1,450,000 | $ 362,500 | $ 80,000 |
| Detroit-Dearborn-Livonia, MI | 4 | $ 930,000 | $ 232,500 | $ 149,000 |
| Eugene, OR | 4 | $ 1,190,000 | $ 297,500 | $ 443,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 980,000 | $ 245,000 | $ 104,000 |
| Fresno, CA | 4 | $ 590,000 | $ 147,500 | $ 122,000 |
| Greensboro-High Point, NC | 4 | $ 560,000 | $ 140,000 | $ 152,000 |
| Indianapolis-Carmel-Anderson, IN | 4 | $ 670,000 | $ 167,500 | $ 128,000 |
| Jackson, MS | 4 | $ 720,000 | $ 180,000 | $ 77,000 |
| Knoxville, TN | 4 | $ 1,110,000 | $ 277,500 | $ 97,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 980,000 | $ 245,000 | $ 163,000 |
| Ocala, FL | 4 | $ 700,000 | $ 175,000 | $ 56,000 |
| Odessa, TX | 4 | $ 740,000 | $ 185,000 | $ 55,000 |
| Ogden-Clearfield, UT | 4 | $ 1,060,000 | $ 265,000 | $ 65,000 |
| Pine Bluff, AR | 4 | $ 380,000 | $ 95,000 | $ 221,000 |
| Redding, CA | 4 | $ 1,180,000 | $ 295,000 | $ 263,000 |
| Rochester, NY | 4 | $ 970,000 | $ 242,500 | $ 105,000 |
| Tacoma-Lakewood, WA | 4 | $ 1,080,000 | $ 270,000 | $ 133,000 |
| Boise City, ID | 3 | $ 445,000 | $ 148,333 | $ 63,000 |
| Colorado Springs, CO | 3 | $ 1,185,000 | $ 395,000 | $ 276,000 |
| Columbia, SC | 3 | $ 655,000 | $ 218,333 | $ 94,000 |
| El Paso, TX | 3 | $ 565,000 | $ 188,333 | $ 95,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 1,175,000 | $ 391,666 | $ 140,000 |
| Huntsville, AL | 3 | $ 375,000 | $ 125,000 | $ 139,000 |
| Jacksonville, NC | 3 | $ 445,000 | $ 148,333 | $ 57,000 |
| Las Cruces, NM | 3 | $ 525,000 | $ 175,000 | $ 73,000 |
| Napa, CA | 3 | $ 1,465,000 | $ 488,333 | $ 379,000 |
| Panama City, FL | 3 | $ 655,000 | $ 218,333 | $ 144,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 935,000 | $ 311,666 | $ 66,000 |
| Portland-South Portland, ME | 3 | $ 835,000 | $ 278,333 | $ 296,000 |
| Prescott Valley-Prescott, AZ | 3 | $ 1,365,000 | $ 455,000 | $ 110,000 |
| Richmond, VA | 3 | $ 595,000 | $ 198,333 | $ 100,000 |
| Salinas, CA | 3 | $ 3,005,000 | $ 1,001,666 | $ 283,000 |
| Santa Maria-Santa Barbara, CA | 3 | $ 1,505,000 | $ 501,666 | $ 156,000 |
| Spokane-Spokane Valley, WA | 3 | $ 905,000 | $ 301,666 | $ 85,000 |
| Tuscaloosa, AL | 3 | $ 535,000 | $ 178,333 | $ 375,000 |
| Akron, OH | 2 | $ 470,000 | $ 235,000 | $ 195,000 |
| Coeur D'Alene, ID | 2 | $ 770,000 | $ 385,000 | $ 82,000 |
| Duluth, MN-WI | 2 | $ 170,000 | $ 85,000 | $ 107,000 |
| East Stroudsburg, PA | 2 | $ 440,000 | $ 220,000 | $ 174,000 |
| Fayetteville, NC | 2 | $ 510,000 | $ 255,000 | $ 110,000 |
| Gainesville, GA | 2 | $ 560,000 | $ 280,000 | $ 63,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 590,000 | $ 295,000 | $ 322,000 |
| Greenville, NC | 2 | $ 450,000 | $ 225,000 | $ 102,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 590,000 | $ 295,000 | $ 58,000 |
| Jackson, TN | 2 | $ 290,000 | $ 145,000 | $ 68,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 2,400,000 | $ 1,200,000 | $ 217,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 760,000 | $ 380,000 | $ 234,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 750,000 | $ 375,000 | $ 171,000 |
| Lancaster, PA | 2 | $ 460,000 | $ 230,000 | $ 116,000 |
| Lubbock, TX | 2 | $ 280,000 | $ 140,000 | $ 137,000 |
| Macon-Bibb County, GA | 2 | $ 570,000 | $ 285,000 | $ 83,000 |
| Missoula, MT | 2 | $ 870,000 | $ 435,000 | $ 206,000 |
| Pittsburgh, PA | 2 | $ 320,000 | $ 160,000 | $ 32,000 |
| Roanoke, VA | 2 | $ 370,000 | $ 185,000 | $ 75,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 1,640,000 | $ 820,000 | $ 284,000 |
| Santa Rosa, CA | 2 | $ 1,590,000 | $ 795,000 | $ 197,000 |
| St. George, UT | 2 | $ 860,000 | $ 430,000 | $ 124,000 |
| Stockton-Lodi, CA | 2 | $ 1,030,000 | $ 515,000 | $ 145,000 |
| Tallahassee, FL | 2 | $ 160,000 | $ 80,000 | $ 130,000 |
| Tyler, TX | 2 | $ 270,000 | $ 135,000 | $ 442,000 |
| Warner Robins, GA | 2 | $ 210,000 | $ 105,000 | $ 136,000 |
| Wichita, KS | 2 | $ 440,000 | $ 220,000 | $ 67,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 270,000 | $ 135,000 | $ 75,000 |
| Albany, OR | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 325,000 | $ 325,000 | $ 73,000 |
| Athens-Clarke County, GA | 1 | $ 115,000 | $ 115,000 | $ 57,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 75,000 | $ 75,000 | $ 163,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 285,000 | $ 285,000 | $ 138,000 |
| Bakersfield, CA | 1 | $ 125,000 | $ 125,000 | $ 236,000 |
| Baton Rouge, LA | 1 | $ 115,000 | $ 115,000 | $ 18,000 |
| Beaumont-Port Arthur, TX | 1 | $ 175,000 | $ 175,000 | $ 146,000 |
| Billings, MT | 1 | $ 125,000 | $ 125,000 | $ 148,000 |
| Bismarck, ND | 1 | $ 395,000 | $ 395,000 | $ 300,000 |
| Boulder, CO | 1 | $ 475,000 | $ 475,000 | $ 68,000 |
| Brunswick, GA | 1 | $ 215,000 | $ 215,000 | $ 90,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 225,000 | $ 225,000 | $ 298,000 |
| Burlington-South Burlington, VT | 1 | $ 185,000 | $ 185,000 | $ 116,000 |
| Champaign-Urbana, IL | 1 | $ 315,000 | $ 315,000 | $ 182,000 |
| Charleston, WV | 1 | $ 115,000 | $ 115,000 | $ 22,000 |
| Cincinnati, OH-KY-IN | 1 | $ 245,000 | $ 245,000 | $ 497,000 |
| College Station-Bryan, TX | 1 | $ 135,000 | $ 135,000 | $ 133,000 |
| Columbus, GA-AL | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| Decatur, IL | 1 | $ 165,000 | $ 165,000 | $ 76,000 |
| Elgin, IL | 1 | $ 115,000 | $ 115,000 | $ 79,000 |
| Florence, SC | 1 | $ 265,000 | $ 265,000 | $ 158,000 |
| Florence-Muscle Shoals, AL | 1 | $ 275,000 | $ 275,000 | $ 50,000 |
| Gainesville, FL | 1 | $ 355,000 | $ 355,000 | $ 72,000 |
| Gettysburg, PA | 1 | $ 225,000 | $ 225,000 | $ 158,000 |
| Hanford-Corcoran, CA | 1 | $ 345,000 | $ 345,000 | $ 210,000 |
| Homosassa Springs, FL | 1 | $ 175,000 | $ 175,000 | $ 91,000 |
| Hot Springs, AR | 1 | $ 425,000 | $ 425,000 | $ 136,000 |
| Kingston, NY | 1 | $ 265,000 | $ 265,000 | $ 147,000 |
| Lake Charles, LA | 1 | $ 165,000 | $ 165,000 | $ 129,000 |
| Lexington-Fayette, KY | 1 | $ 545,000 | $ 545,000 | $ 250,000 |
| Longview, TX | 1 | $ 345,000 | $ 345,000 | $ 87,000 |
| Longview, WA | 1 | $ 115,000 | $ 115,000 | $ 138,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Madera, CA | 1 | $ 145,000 | $ 145,000 | $ 56,000 |
| Mansfield, OH | 1 | $ 125,000 | $ 125,000 | $ 26,000 |
| Medford, OR | 1 | $ 885,000 | $ 885,000 | $ 182,000 |
| Midland, MI | 1 | $ 175,000 | $ 175,000 | $ 167,000 |
| Modesto, CA | 1 | $ 705,000 | $ 705,000 | $ 144,000 |
| Montgomery, AL | 1 | $ 215,000 | $ 215,000 | $ 85,000 |
| Morgantown, WV | 1 | $ 305,000 | $ 305,000 | $ 78,000 |
| New Orleans-Metairie, LA | 1 | $ 545,000 | $ 545,000 | $ 280,000 |
| Ocean City, NJ | 1 | $ 155,000 | $ 155,000 | $ 30,000 |
| Olympia-Tumwater, WA | 1 | $ 375,000 | $ 375,000 | $ 209,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 375,000 | $ 375,000 | $ 125,000 |
| Peoria, IL | 1 | $ 245,000 | $ 245,000 | $ 188,000 |
| Rocky Mount, NC | 1 | $ 175,000 | $ 175,000 | $ 67,000 |
| Saginaw, MI | 1 | $ 145,000 | $ 145,000 | $ 20,000 |
| Salem, OR | 1 | $ 245,000 | $ 245,000 | $ 45,000 |
| San Angelo, TX | 1 | $ 125,000 | $ 125,000 | $ 77,000 |
| San Rafael, CA | 1 | $ 925,000 | $ 925,000 | $ 369,000 |
| Sebastian-Vero Beach, FL | 1 | $ 305,000 | $ 305,000 | $ 99,000 |
| Sebring, FL | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| State College, PA | 1 | $ 145,000 | $ 145,000 | $ 160,000 |
| Syracuse, NY | 1 | $ 195,000 | $ 195,000 | $ 61,000 |
| Texarkana, TX-AR | 1 | $ 165,000 | $ 165,000 | $ 109,000 |
| Toledo, OH | 1 | $ 155,000 | $ 155,000 | $ 93,000 |
| Utica-Rome, NY | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Victoria, TX | 1 | $ 145,000 | $ 145,000 | $ 374,000 |
| Vineland-Bridgeton, NJ | 1 | $ 265,000 | $ 265,000 | $ 212,000 |
| Watertown-Fort Drum, NY | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| Wenatchee, WA | 1 | $ 235,000 | $ 235,000 | $ 113,000 |
| Williamsport, PA | 1 | $ 155,000 | $ 155,000 | $ 87,000 |
| Wilmington, NC | 1 | $ 235,000 | $ 235,000 | $ 369,000 |
| Winchester, VA-WV | 1 | $ 165,000 | $ 165,000 | $ 28,000 |
| Winston-Salem, NC | 1 | $ 105,000 | $ 105,000 | $ 97,000 |
| Yuma, AZ | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
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.
For a list of all lenders in Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.
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