Evolve Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Evolve Bank & Trust of Memphis, TN reported 3,923 mortgage applications totaling $1.3 billion, down 42% from 2021. The average application was for $339,037, and applicants reported an average income of $144,702. 75% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Memphis, TN-MS-AR (524), Wilmington, DE-MD-NJ (212) and Hartford-West Hartford-East Hartford, CT (194) (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 | 3,923 |
| Total Mortgage Loan Application Amount | $1,330,045,000 |
| Average Mortgage Loan Application Amount | $339,037 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| Average Applicant Income | $144,702 |
| Highest Applicant Income | $8,255,000 |
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Act (HMDA) records Evolve Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 524 | $ 125,450,000 | $ 239,408 | $ 138,167 |
| Outside any metro area | 261 | $ 60,285,000 | $ 230,977 | $ 124,528 |
| Wilmington, DE-MD-NJ | 212 | $ 59,800,000 | $ 282,075 | $ 94,830 |
| Hartford-West Hartford-East Hartford, CT | 194 | $ 57,520,000 | $ 296,494 | $ 135,000 |
| Nassau County-Suffolk County, NY | 143 | $ 66,645,000 | $ 466,048 | $ 181,000 |
| Worcester, MA-CT | 141 | $ 46,025,000 | $ 326,418 | $ 107,042 |
| Cambridge-Newton-Framingham, MA | 131 | $ 52,115,000 | $ 397,824 | $ 148,000 |
| Springfield, MA | 130 | $ 35,510,000 | $ 273,153 | $ 114,000 |
| Los Angeles-Long Beach-Glendale, CA | 115 | $ 85,425,000 | $ 742,826 | $ 230,000 |
| Tampa-St. Petersburg-Clearwater, FL | 93 | $ 28,605,000 | $ 307,580 | $ 96,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 88 | $ 31,990,000 | $ 363,522 | $ 125,204 |
| Albany-Schenectady-Troy, NY | 87 | $ 25,015,000 | $ 287,528 | $ 115,000 |
| Jonesboro, AR | 86 | $ 24,660,000 | $ 286,744 | $ 93,000 |
| Little Rock-North Little Rock-Conway, AR | 82 | $ 12,050,000 | $ 146,951 | $ 165,000 |
| Columbus, OH | 73 | $ 19,885,000 | $ 272,397 | $ 107,000 |
| Salisbury, MD-DE | 72 | $ 19,180,000 | $ 266,388 | $ 87,666 |
| Boston, MA | 69 | $ 32,665,000 | $ 473,405 | $ 161,000 |
| Bridgeport-Stamford-Norwalk, CT | 63 | $ 30,725,000 | $ 487,698 | $ 207,000 |
| New York-Jersey City-White Plains, NY-NJ | 60 | $ 30,650,000 | $ 510,833 | $ 185,400 |
| Phoenix-Mesa-Scottsdale, AZ | 57 | $ 21,925,000 | $ 384,649 | $ 182,000 |
| Atlanta-Sandy Springs-Roswell, GA | 55 | $ 18,155,000 | $ 330,090 | $ 107,000 |
| Baltimore-Columbia-Towson, MD | 51 | $ 14,185,000 | $ 278,137 | $ 109,000 |
| New Haven-Milford, CT | 51 | $ 14,935,000 | $ 292,843 | $ 115,000 |
| Glens Falls, NY | 43 | $ 9,455,000 | $ 219,883 | $ 102,000 |
| Charleston-North Charleston, SC | 41 | $ 18,745,000 | $ 457,195 | $ 156,000 |
| Bend-Redmond, OR | 40 | $ 21,050,000 | $ 526,250 | $ 170,000 |
| Dover, DE | 33 | $ 8,955,000 | $ 271,363 | $ 80,000 |
| Manchester-Nashua, NH | 31 | $ 11,575,000 | $ 373,387 | $ 146,000 |
| Oakland-Hayward-Berkeley, CA | 29 | $ 22,805,000 | $ 786,379 | $ 271,000 |
| Providence-Warwick, RI-MA | 29 | $ 11,935,000 | $ 411,551 | $ 141,206 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 28 | $ 7,190,000 | $ 256,785 | $ 82,000 |
| Dallas-Plano-Irving, TX | 23 | $ 8,235,000 | $ 358,043 | $ 169,000 |
| Riverside-San Bernardino-Ontario, CA | 23 | $ 9,925,000 | $ 431,521 | $ 134,000 |
| Houston-The Woodlands-Sugar Land, TX | 21 | $ 8,345,000 | $ 397,380 | $ 171,000 |
| North Port-Sarasota-Bradenton, FL | 21 | $ 7,715,000 | $ 367,380 | $ 180,000 |
| Orlando-Kissimmee-Sanford, FL | 21 | $ 5,915,000 | $ 281,666 | $ 97,000 |
| Cleveland-Elyria, OH | 19 | $ 3,495,000 | $ 183,947 | $ 120,000 |
| Oklahoma City, OK | 18 | $ 2,970,000 | $ 165,000 | $ 186,000 |
| Dayton-Springfield-Kettering, OH | 17 | $ 3,005,000 | $ 176,764 | $ 117,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 17 | $ 6,285,000 | $ 369,705 | $ 197,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 16 | $ 5,440,000 | $ 340,000 | $ 106,000 |
| Barnstable Town, MA | 15 | $ 5,555,000 | $ 370,333 | $ 135,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 14 | $ 11,690,000 | $ 835,000 | $ 694,000 |
| Las Vegas-Henderson-Paradise, NV | 13 | $ 7,275,000 | $ 559,615 | $ 229,000 |
| New York-Newark, NY | 13 | $ 4,695,000 | $ 361,153 | $ 124,153 |
| San Antonio-New Braunfels, TX | 13 | $ 3,215,000 | $ 247,307 | $ 280,000 |
| San Francisco-Redwood City-South San Francisco, CA | 13 | $ 14,825,000 | $ 1,140,384 | $ 413,000 |
| Norwich-New London, CT | 12 | $ 3,570,000 | $ 297,500 | $ 113,000 |
| San Diego-Carlsbad, CA | 12 | $ 6,710,000 | $ 559,166 | $ 188,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 12 | $ 9,140,000 | $ 761,666 | $ 261,000 |
| Lakeland-Winter Haven, FL | 10 | $ 2,120,000 | $ 212,000 | $ 92,000 |
| Miami-Miami Beach-Kendall, FL | 10 | $ 2,950,000 | $ 295,000 | $ 197,000 |
| Charlotte-Concord-Gastonia, NC-SC | 9 | $ 2,395,000 | $ 266,111 | $ 108,888 |
| Deltona-Daytona Beach-Ormond Beach, FL | 9 | $ 3,145,000 | $ 349,444 | $ 148,000 |
| Rockingham County-Strafford County, NH | 9 | $ 3,955,000 | $ 439,444 | $ 157,000 |
| Tuscaloosa, AL | 9 | $ 1,685,000 | $ 187,222 | $ 168,000 |
| Anaheim-Santa Ana-Irvine, CA | 8 | $ 7,260,000 | $ 907,500 | $ 267,000 |
| Austin-Round Rock, TX | 8 | $ 3,000,000 | $ 375,000 | $ 394,000 |
| Chicago-Naperville, IL | 8 | $ 2,630,000 | $ 328,750 | $ 220,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 8 | $ 2,090,000 | $ 261,250 | $ 134,500 |
| Syracuse, NY | 8 | $ 3,000,000 | $ 375,000 | $ 186,000 |
| Birmingham-Hoover, AL | 7 | $ 1,055,000 | $ 150,714 | $ 309,000 |
| Newark, NJ-PA | 7 | $ 3,785,000 | $ 540,714 | $ 172,857 |
| Punta Gorda, FL | 7 | $ 1,605,000 | $ 229,285 | $ 96,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 7 | $ 4,235,000 | $ 605,000 | $ 173,000 |
| Washington-Baltimore-Arlington, DC | 7 | $ 2,905,000 | $ 415,000 | $ 150,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 2,400,000 | $ 400,000 | $ 197,000 |
| Fort Worth-Arlington, TX | 6 | $ 1,310,000 | $ 218,333 | $ 206,000 |
| Jackson, TN | 6 | $ 1,000,000 | $ 166,666 | $ 53,000 |
| Naples-Immokalee-Marco Island, FL | 6 | $ 3,080,000 | $ 513,333 | $ 235,000 |
| Port St. Lucie, FL | 6 | $ 2,570,000 | $ 428,333 | $ 136,000 |
| Raleigh, NC | 6 | $ 2,410,000 | $ 401,666 | $ 139,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 6,150,000 | $ 1,025,000 | $ 244,000 |
| St. Louis, MO-IL | 6 | $ 800,000 | $ 133,333 | $ 244,000 |
| Binghamton, NY | 5 | $ 1,395,000 | $ 279,000 | $ 119,000 |
| Camden, NJ | 5 | $ 1,965,000 | $ 393,000 | $ 185,000 |
| Cincinnati, OH-KY-IN | 5 | $ 1,285,000 | $ 257,000 | $ 143,200 |
| Denver-Aurora-Lakewood, CO | 5 | $ 1,835,000 | $ 367,000 | $ 126,000 |
| Greenville-Anderson-Mauldin, SC | 5 | $ 1,325,000 | $ 265,000 | $ 133,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 2,065,000 | $ 413,000 | $ 197,000 |
| Montgomery County-Bucks County-Chester County, PA | 5 | $ 1,485,000 | $ 297,000 | $ 130,000 |
| New Orleans-Metairie, LA | 5 | $ 1,605,000 | $ 321,000 | $ 101,000 |
| Philadelphia, PA | 5 | $ 1,395,000 | $ 279,000 | $ 89,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 2,765,000 | $ 553,000 | $ 162,600 |
| Provo-Orem, UT | 5 | $ 2,725,000 | $ 545,000 | $ 221,000 |
| Toledo, OH | 5 | $ 1,005,000 | $ 201,000 | $ 84,000 |
| Tulsa, OK | 5 | $ 815,000 | $ 163,000 | $ 234,000 |
| Akron, OH | 4 | $ 1,000,000 | $ 250,000 | $ 83,000 |
| Beaumont-Port Arthur, TX | 4 | $ 500,000 | $ 125,000 | $ 121,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 1,250,000 | $ 312,500 | $ 134,000 |
| Hot Springs, AR | 4 | $ 770,000 | $ 192,500 | $ 259,000 |
| Huntsville, AL | 4 | $ 700,000 | $ 175,000 | $ 409,000 |
| Jacksonville, FL | 4 | $ 700,000 | $ 175,000 | $ 169,000 |
| Kansas City, MO-KS | 4 | $ 1,190,000 | $ 297,500 | $ 345,500 |
| Killeen-Temple, TX | 4 | $ 1,090,000 | $ 272,500 | $ 158,000 |
| Ocala, FL | 4 | $ 960,000 | $ 240,000 | $ 99,000 |
| Tucson, AZ | 4 | $ 940,000 | $ 235,000 | $ 65,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 450,000 | $ 112,500 | $ 107,000 |
| Amarillo, TX | 3 | $ 825,000 | $ 275,000 | $ 212,000 |
| Durham-Chapel Hill, NC | 3 | $ 1,105,000 | $ 368,333 | $ 132,000 |
| East Stroudsburg, PA | 3 | $ 615,000 | $ 205,000 | $ 104,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 855,000 | $ 285,000 | $ 46,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 585,000 | $ 195,000 | $ 194,000 |
| Jackson, MS | 3 | $ 1,005,000 | $ 335,000 | $ 131,000 |
| Kingston, NY | 3 | $ 905,000 | $ 301,666 | $ 121,000 |
| Lima, OH | 3 | $ 505,000 | $ 168,333 | $ 62,000 |
| Macon-Bibb County, GA | 3 | $ 1,025,000 | $ 341,666 | $ 148,000 |
| Olympia-Tumwater, WA | 3 | $ 1,765,000 | $ 588,333 | $ 173,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 2,025,000 | $ 675,000 | $ 281,000 |
| Pittsfield, MA | 3 | $ 545,000 | $ 181,666 | $ 100,000 |
| Salt Lake City, UT | 3 | $ 1,645,000 | $ 548,333 | $ 179,000 |
| Springfield, OH | 3 | $ 355,000 | $ 118,333 | $ 44,000 |
| Urban Honolulu, HI | 3 | $ 1,385,000 | $ 461,666 | $ 295,000 |
| Warner Robins, GA | 3 | $ 375,000 | $ 125,000 | $ 126,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 495,000 | $ 165,000 | $ 116,000 |
| Albuquerque, NM | 2 | $ 770,000 | $ 385,000 | $ 98,000 |
| Anchorage, AK | 2 | $ 640,000 | $ 320,000 | $ 102,000 |
| Auburn-Opelika, AL | 2 | $ 340,000 | $ 170,000 | $ 30,000 |
| Baton Rouge, LA | 2 | $ 590,000 | $ 295,000 | $ 60,000 |
| Boise City, ID | 2 | $ 1,330,000 | $ 665,000 | $ 205,000 |
| Burlington, NC | 2 | $ 250,000 | $ 125,000 | $ 254,000 |
| Burlington-South Burlington, VT | 2 | $ 920,000 | $ 460,000 | $ 127,000 |
| California-Lexington Park, MD | 2 | $ 630,000 | $ 315,000 | $ 82,000 |
| Clarksville, TN-KY | 2 | $ 370,000 | $ 185,000 | $ 240,500 |
| Colorado Springs, CO | 2 | $ 760,000 | $ 380,000 | $ 131,000 |
| Columbia, SC | 2 | $ 390,000 | $ 195,000 | $ 122,000 |
| Corvallis, OR | 2 | $ 1,220,000 | $ 610,000 | $ 289,000 |
| Fayetteville, NC | 2 | $ 410,000 | $ 205,000 | $ 156,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 540,000 | $ 270,000 | $ 132,000 |
| Florence, SC | 2 | $ 650,000 | $ 325,000 | $ 112,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 710,000 | $ 355,000 | $ 94,000 |
| Harrisburg-Carlisle, PA | 2 | $ 180,000 | $ 90,000 | $ 92,000 |
| Knoxville, TN | 2 | $ 680,000 | $ 340,000 | $ 140,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 320,000 | $ 160,000 | $ 222,000 |
| Lexington-Fayette, KY | 2 | $ 620,000 | $ 310,000 | $ 78,000 |
| Lincoln, NE | 2 | $ 630,000 | $ 315,000 | $ 140,000 |
| Lubbock, TX | 2 | $ 290,000 | $ 145,000 | $ 80,000 |
| Midland, TX | 2 | $ 650,000 | $ 325,000 | $ 117,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 500,000 | $ 250,000 | $ 289,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 1,080,000 | $ 540,000 | $ 134,000 |
| Pine Bluff, AR | 2 | $ 310,000 | $ 155,000 | $ 52,000 |
| Portland-South Portland, ME | 2 | $ 570,000 | $ 285,000 | $ 76,000 |
| Prescott Valley-Prescott, AZ | 2 | $ 1,430,000 | $ 715,000 | $ 446,000 |
| Reno, NV | 2 | $ 1,020,000 | $ 510,000 | $ 138,000 |
| Richmond, VA | 2 | $ 1,410,000 | $ 705,000 | $ 275,000 |
| Rochester, NY | 2 | $ 350,000 | $ 175,000 | $ 82,000 |
| Savannah, GA | 2 | $ 1,990,000 | $ 995,000 | $ 460,000 |
| Shreveport-Bossier City, LA | 2 | $ 890,000 | $ 445,000 | $ 113,000 |
| Tacoma-Lakewood, WA | 2 | $ 1,480,000 | $ 740,000 | $ 348,000 |
| Vineland-Bridgeton, NJ | 2 | $ 450,000 | $ 225,000 | $ 70,000 |
| Wichita, KS | 2 | $ 420,000 | $ 210,000 | $ 99,000 |
| Winston-Salem, NC | 2 | $ 440,000 | $ 220,000 | $ 253,000 |
| York-Hanover, PA | 2 | $ 770,000 | $ 385,000 | $ 141,000 |
| Appleton, WI | 1 | $ 235,000 | $ 235,000 | $ 130,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 355,000 | $ 355,000 | $ 184,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 445,000 | $ 445,000 | $ 76,000 |
| Bremerton-Silverdale, WA | 1 | $ 1,085,000 | $ 1,085,000 | $ 452,000 |
| Brownsville-Harlingen, TX | 1 | $ 445,000 | $ 445,000 | $ 118,000 |
| Cape Girardeau, MO-IL | 1 | $ 355,000 | $ 355,000 | $ 200,000 |
| Charleston, WV | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Charlottesville, VA | 1 | $ 315,000 | $ 315,000 | $ 87,000 |
| Chico, CA | 1 | $ 395,000 | $ 395,000 | $ 126,000 |
| Coeur D'Alene, ID | 1 | $ 585,000 | $ 585,000 | $ 150,000 |
| Columbia, MO | 1 | $ 335,000 | $ 335,000 | $ 66,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Decatur, AL | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 355,000 | $ 355,000 | $ 94,000 |
| El Paso, TX | 1 | $ 165,000 | $ 165,000 | $ 117,000 |
| Elgin, IL | 1 | $ 175,000 | $ 175,000 | $ 106,000 |
| Fresno, CA | 1 | $ 675,000 | $ 675,000 | $ 250,000 |
| Gainesville, FL | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Gainesville, GA | 1 | $ 465,000 | $ 465,000 | $ 280,000 |
| Grand Junction, CO | 1 | $ 455,000 | $ 455,000 | $ 174,000 |
| Greeley, CO | 1 | $ 405,000 | $ 405,000 | $ 89,000 |
| Greensboro-High Point, NC | 1 | $ 165,000 | $ 165,000 | $ 33,000 |
| Greenville, NC | 1 | $ 335,000 | $ 335,000 | $ 95,000 |
| Harrisonburg, VA | 1 | $ 245,000 | $ 245,000 | $ 68,000 |
| Hinesville, GA | 1 | $ 215,000 | $ 215,000 | $ 48,000 |
| Johnson City, TN | 1 | $ 325,000 | $ 325,000 | $ 133,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 305,000 | $ 305,000 | $ 116,000 |
| Kennewick-Richland, WA | 1 | $ 285,000 | $ 285,000 | $ 70,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 465,000 | $ 465,000 | $ 120,000 |
| Lafayette, LA | 1 | $ 425,000 | $ 425,000 | $ 138,000 |
| Lewiston-Auburn, ME | 1 | $ 175,000 | $ 175,000 | $ 49,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 345,000 | $ 345,000 | $ 171,000 |
| Lynchburg, VA | 1 | $ 205,000 | $ 205,000 | $ 216,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 565,000 | $ 565,000 | $ 218,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 445,000 | $ 445,000 | $ 167,000 |
| Missoula, MT | 1 | $ 565,000 | $ 565,000 | $ 125,000 |
| Modesto, CA | 1 | $ 465,000 | $ 465,000 | $ 126,000 |
| Montgomery, AL | 1 | $ 115,000 | $ 115,000 | $ 47,000 |
| Ocean City, NJ | 1 | $ 645,000 | $ 645,000 | $ 787,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 345,000 | $ 345,000 | $ 235,000 |
| Panama City, FL | 1 | $ 485,000 | $ 485,000 | $ 233,000 |
| Redding, CA | 1 | $ 645,000 | $ 645,000 | $ 553,000 |
| Roanoke, VA | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Rocky Mount, NC | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Rome, GA | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 535,000 | $ 535,000 | $ 129,000 |
| San Rafael, CA | 1 | $ 1,035,000 | $ 1,035,000 | $ 303,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 225,000 | $ 225,000 | $ 89,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 1,045,000 | $ 1,045,000 | $ 313,000 |
| Spartanburg, SC | 1 | $ 165,000 | $ 165,000 | $ 196,000 |
| Springfield, IL | 1 | $ 405,000 | $ 405,000 | $ 320,000 |
| St. Joseph, MO-KS | 1 | $ 75,000 | $ 75,000 | $ 748,000 |
| Stockton-Lodi, CA | 1 | $ 435,000 | $ 435,000 | $ 74,000 |
| Visalia-Porterville, CA | 1 | $ 425,000 | $ 425,000 | $ 175,000 |
| Watertown-Fort Drum, NY | 1 | $ 125,000 | $ 125,000 | $ 104,000 |
| Wilmington, NC | 1 | $ 285,000 | $ 285,000 | $ 485,000 |
Mortgage Loan Application Detail Totals for Evolve Bank & Trust in 2022
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 | 3,141 | $1,057,805,000 | $336,000 | $3,405,000 | $141,000 | $1,206,000 |
| Cash-out Refinancing | 484 | $161,570,000 | $333,000 | $5,005,000 | $157,000 | $8,255,000 |
| Refinancing | 274 | $103,340,000 | $377,000 | $3,175,000 | $163,000 | $885,000 |
| Home Improvement | 16 | $4,940,000 | $308,000 | $905,000 | $125,000 | $270,000 |
| Other Purpose | 8 | $2,390,000 | $298,000 | $645,000 | $267,000 | $787,000 |
| 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 | 2,236 | $779,860,000 | $348,000 | $2,325,000 | $151,000 | $2,003,000 |
| Black or African American | 528 | $156,420,000 | $296,000 | $955,000 | $102,000 | $495,000 |
| Hispanic | 471 | $153,425,000 | $325,000 | $1,865,000 | $108,000 | $1,140,000 |
| Not Provided | 364 | $114,920,000 | $315,000 | $5,005,000 | $186,000 | $8,255,000 |
| Asian | 235 | $99,795,000 | $424,000 | $2,325,000 | $184,000 | $1,206,000 |
| Not applicable | 68 | $19,600,000 | $288,000 | $3,405,000 | $0 | $0 |
| American Indian or Alaskan Native | 14 | $4,300,000 | $307,000 | $765,000 | $152,000 | $295,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,360,000 | $226,000 | $385,000 | $113,000 | $216,000 |
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) | 3,089 | $1,085,345,000 | $351,000 | $5,005,000 | $160,000 | $8,255,000 |
| FHA-insured (Federal Housing Administration) | 661 | $184,155,000 | $278,000 | $925,000 | $85,000 | $2,003,000 |
| VA-guaranteed (Veterans Administration) | 147 | $54,635,000 | $371,000 | $1,655,000 | $104,000 | $397,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $5,910,000 | $227,000 | $405,000 | $71,000 | $122,000 |
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 | 2,944 | $978,450,000 | $332,000 | $3,405,000 | $143,000 | $1,128,000 |
| Application Withdrawn By Applicant | 693 | $252,605,000 | $364,000 | $5,005,000 | $160,000 | $8,255,000 |
| Application Denied By Financial Institution | 214 | $66,390,000 | $310,000 | $1,195,000 | $113,000 | $2,003,000 |
| Preapproval Approved but not Accepted | 36 | $17,910,000 | $497,000 | $1,345,000 | $169,000 | $560,000 |
| Application Approved But Not Accepted | 35 | $14,245,000 | $407,000 | $1,785,000 | $161,000 | $1,064,000 |
| Preapproval Denied by Financial Institution | 1 | $445,000 | $445,000 | $445,000 | $120,000 | $120,000 |
| 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 | 3,708 | $1,263,210,000 | $340,000 | $5,005,000 | $146,000 | $8,255,000 |
| Debt-To-Income Ratio | 75 | $25,405,000 | $338,000 | $1,195,000 | $71,000 | $317,000 |
| Other | 47 | $13,485,000 | $286,000 | $925,000 | $148,000 | $807,000 |
| Credit History | 35 | $10,295,000 | $294,000 | $955,000 | $149,000 | $2,003,000 |
| Collateral | 29 | $8,925,000 | $307,000 | $1,125,000 | $118,000 | $529,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $4,170,000 | $231,000 | $415,000 | $94,000 | $454,000 |
| Unverifiable Information | 8 | $3,790,000 | $473,000 | $935,000 | $198,000 | $628,000 |
| Employment History | 3 | $765,000 | $255,000 | $285,000 | $43,000 | $67,000 |
| 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 Evolve Bank & Trust's 2022 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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