Evolve Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, Evolve Bank & Trust of Memphis, TN reported 2,621 mortgage applications totaling $936.0 million, down 33% from 2022. The average application was for $357,113, and applicants reported an average income of $156,812. 74% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Memphis, TN-MS-AR (422), Hartford-West Hartford-East Hartford, CT (133) and Wilmington, DE-MD-NJ (133) (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 | 2,621 |
| Total Mortgage Loan Application Amount | $935,995,000 |
| Average Mortgage Loan Application Amount | $357,113 |
| Highest Mortgage Loan Application Amount | $16,005,000 |
| Average Applicant Income | $156,812 |
| Highest Applicant Income | $2,346,000 |
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Act (HMDA) records Evolve Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 422 | $ 115,810,000 | $ 274,431 | $ 138,132 |
| Outside any metro area | 197 | $ 53,155,000 | $ 269,822 | $ 134,157 |
| Hartford-West Hartford-East Hartford, CT | 133 | $ 40,315,000 | $ 303,120 | $ 143,000 |
| Wilmington, DE-MD-NJ | 133 | $ 38,125,000 | $ 286,654 | $ 106,278 |
| Jonesboro, AR | 81 | $ 16,735,000 | $ 206,604 | $ 118,000 |
| Springfield, MA | 75 | $ 21,445,000 | $ 285,933 | $ 104,000 |
| Albany-Schenectady-Troy, NY | 72 | $ 21,810,000 | $ 302,916 | $ 153,000 |
| Nassau County-Suffolk County, NY | 69 | $ 29,715,000 | $ 430,652 | $ 228,000 |
| Los Angeles-Long Beach-Glendale, CA | 58 | $ 39,790,000 | $ 686,034 | $ 253,000 |
| Salisbury, MD-DE | 53 | $ 14,385,000 | $ 271,415 | $ 115,377 |
| New Haven-Milford, CT | 52 | $ 17,310,000 | $ 332,884 | $ 140,000 |
| Cambridge-Newton-Framingham, MA | 49 | $ 22,845,000 | $ 466,224 | $ 164,000 |
| Charleston-North Charleston, SC | 46 | $ 21,320,000 | $ 463,478 | $ 154,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 42 | $ 14,490,000 | $ 345,000 | $ 146,785 |
| Dover, DE | 41 | $ 12,815,000 | $ 312,560 | $ 96,000 |
| Worcester, MA-CT | 40 | $ 13,450,000 | $ 336,250 | $ 96,750 |
| Little Rock-North Little Rock-Conway, AR | 39 | $ 5,775,000 | $ 148,076 | $ 184,000 |
| Tampa-St. Petersburg-Clearwater, FL | 38 | $ 12,950,000 | $ 340,789 | $ 134,000 |
| New York-Jersey City-White Plains, NY-NJ | 33 | $ 15,525,000 | $ 470,454 | $ 136,545 |
| Bridgeport-Stamford-Norwalk, CT | 30 | $ 11,330,000 | $ 377,666 | $ 205,000 |
| Atlanta-Sandy Springs-Roswell, GA | 29 | $ 10,635,000 | $ 366,724 | $ 146,000 |
| Phoenix-Mesa-Scottsdale, AZ | 27 | $ 15,225,000 | $ 563,888 | $ 248,000 |
| Glens Falls, NY | 26 | $ 5,460,000 | $ 210,000 | $ 95,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 24 | $ 4,780,000 | $ 199,166 | $ 75,000 |
| Boston, MA | 23 | $ 9,685,000 | $ 421,086 | $ 154,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 22 | $ 14,430,000 | $ 655,909 | $ 259,181 |
| Providence-Warwick, RI-MA | 21 | $ 8,675,000 | $ 413,095 | $ 132,190 |
| Riverside-San Bernardino-Ontario, CA | 21 | $ 10,185,000 | $ 485,000 | $ 206,000 |
| Anaheim-Santa Ana-Irvine, CA | 19 | $ 14,145,000 | $ 744,473 | $ 222,000 |
| Las Vegas-Henderson-Paradise, NV | 19 | $ 8,395,000 | $ 441,842 | $ 215,000 |
| Manchester-Nashua, NH | 19 | $ 7,915,000 | $ 416,578 | $ 136,000 |
| Oklahoma City, OK | 19 | $ 4,215,000 | $ 221,842 | $ 174,000 |
| Cleveland-Elyria, OH | 18 | $ 4,540,000 | $ 252,222 | $ 93,000 |
| Birmingham-Hoover, AL | 16 | $ 2,480,000 | $ 155,000 | $ 169,000 |
| North Port-Sarasota-Bradenton, FL | 16 | $ 6,180,000 | $ 386,250 | $ 244,000 |
| Baltimore-Columbia-Towson, MD | 15 | $ 3,765,000 | $ 251,000 | $ 104,000 |
| Chicago-Naperville, IL | 14 | $ 4,750,000 | $ 339,285 | $ 223,000 |
| Columbus, OH | 14 | $ 3,730,000 | $ 266,428 | $ 87,000 |
| Houston-The Woodlands-Sugar Land, TX | 14 | $ 5,480,000 | $ 391,428 | $ 206,000 |
| Dallas-Plano-Irving, TX | 13 | $ 3,845,000 | $ 295,769 | $ 177,000 |
| Portland-South Portland, ME | 13 | $ 6,895,000 | $ 530,384 | $ 273,000 |
| New York-Newark, NY | 12 | $ 7,120,000 | $ 593,333 | $ 253,666 |
| Bend-Redmond, OR | 10 | $ 5,690,000 | $ 569,000 | $ 165,000 |
| Cincinnati, OH-KY-IN | 10 | $ 4,950,000 | $ 495,000 | $ 166,300 |
| Orlando-Kissimmee-Sanford, FL | 10 | $ 3,720,000 | $ 372,000 | $ 135,000 |
| Rockingham County-Strafford County, NH | 10 | $ 4,420,000 | $ 442,000 | $ 189,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 10 | $ 7,440,000 | $ 744,000 | $ 254,000 |
| Tulsa, OK | 10 | $ 2,800,000 | $ 280,000 | $ 209,000 |
| Lakeland-Winter Haven, FL | 9 | $ 2,175,000 | $ 241,666 | $ 105,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 9 | $ 4,335,000 | $ 481,666 | $ 172,000 |
| St. Louis, MO-IL | 9 | $ 1,575,000 | $ 175,000 | $ 116,000 |
| Indianapolis-Carmel-Anderson, IN | 8 | $ 1,580,000 | $ 197,500 | $ 108,000 |
| Newark, NJ-PA | 8 | $ 4,470,000 | $ 558,750 | $ 205,000 |
| Oakland-Hayward-Berkeley, CA | 8 | $ 6,350,000 | $ 793,750 | $ 221,000 |
| San Diego-Carlsbad, CA | 8 | $ 6,220,000 | $ 777,500 | $ 280,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 8 | $ 6,370,000 | $ 796,250 | $ 298,000 |
| Boise City, ID | 7 | $ 3,575,000 | $ 510,714 | $ 204,000 |
| Fort Worth-Arlington, TX | 7 | $ 2,315,000 | $ 330,714 | $ 173,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 5,185,000 | $ 740,714 | $ 234,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 2,375,000 | $ 339,285 | $ 220,000 |
| Charlotte-Concord-Gastonia, NC-SC | 6 | $ 1,800,000 | $ 300,000 | $ 121,833 |
| Dayton-Springfield-Kettering, OH | 6 | $ 1,360,000 | $ 226,666 | $ 117,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 3,080,000 | $ 513,333 | $ 345,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 2,510,000 | $ 418,333 | $ 277,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 6 | $ 1,210,000 | $ 201,666 | $ 176,000 |
| Naples-Immokalee-Marco Island, FL | 6 | $ 3,180,000 | $ 530,000 | $ 260,000 |
| San Francisco-Redwood City-South San Francisco, CA | 6 | $ 6,030,000 | $ 1,005,000 | $ 286,000 |
| Tuscaloosa, AL | 6 | $ 1,150,000 | $ 191,666 | $ 187,000 |
| Youngstown-Warren-Boardman, OH-PA | 6 | $ 1,230,000 | $ 205,000 | $ 78,333 |
| Albuquerque, NM | 5 | $ 2,295,000 | $ 459,000 | $ 233,000 |
| Barnstable Town, MA | 5 | $ 2,195,000 | $ 439,000 | $ 187,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 1,395,000 | $ 279,000 | $ 161,000 |
| Fresno, CA | 5 | $ 2,355,000 | $ 471,000 | $ 122,000 |
| Jacksonville, FL | 5 | $ 1,845,000 | $ 369,000 | $ 126,000 |
| Kansas City, MO-KS | 5 | $ 595,000 | $ 119,000 | $ 254,000 |
| Knoxville, TN | 5 | $ 1,185,000 | $ 237,000 | $ 148,000 |
| Lewiston-Auburn, ME | 5 | $ 1,215,000 | $ 243,000 | $ 95,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 2,025,000 | $ 405,000 | $ 209,000 |
| Philadelphia, PA | 5 | $ 535,000 | $ 107,000 | $ 74,000 |
| Pittsfield, MA | 5 | $ 985,000 | $ 197,000 | $ 118,000 |
| Provo-Orem, UT | 5 | $ 2,535,000 | $ 507,000 | $ 222,000 |
| Stockton-Lodi, CA | 5 | $ 2,745,000 | $ 549,000 | $ 149,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,470,000 | $ 367,500 | $ 153,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 2,270,000 | $ 567,500 | $ 211,000 |
| East Stroudsburg, PA | 4 | $ 1,120,000 | $ 280,000 | $ 232,000 |
| Huntsville, AL | 4 | $ 1,000,000 | $ 250,000 | $ 417,000 |
| Jackson, MS | 4 | $ 640,000 | $ 160,000 | $ 54,000 |
| Lincoln, NE | 4 | $ 500,000 | $ 125,000 | $ 172,000 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 1,590,000 | $ 397,500 | $ 193,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 4,760,000 | $ 1,190,000 | $ 343,000 |
| Panama City, FL | 4 | $ 1,870,000 | $ 467,500 | $ 197,000 |
| Pittsburgh, PA | 4 | $ 1,240,000 | $ 310,000 | $ 146,000 |
| Port St. Lucie, FL | 4 | $ 1,550,000 | $ 387,500 | $ 230,000 |
| Punta Gorda, FL | 4 | $ 970,000 | $ 242,500 | $ 98,000 |
| Redding, CA | 4 | $ 2,110,000 | $ 527,500 | $ 194,000 |
| San Antonio-New Braunfels, TX | 4 | $ 1,210,000 | $ 302,500 | $ 99,000 |
| Tucson, AZ | 4 | $ 2,290,000 | $ 572,500 | $ 292,000 |
| Visalia-Porterville, CA | 4 | $ 2,050,000 | $ 512,500 | $ 309,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 935,000 | $ 311,666 | $ 213,000 |
| Austin-Round Rock, TX | 3 | $ 1,615,000 | $ 538,333 | $ 210,000 |
| Bangor, ME | 3 | $ 735,000 | $ 245,000 | $ 126,000 |
| Baton Rouge, LA | 3 | $ 555,000 | $ 185,000 | $ 54,000 |
| Columbia, SC | 3 | $ 555,000 | $ 185,000 | $ 83,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 16,445,000 | $ 5,481,666 | $ 228,000 |
| Jackson, TN | 3 | $ 615,000 | $ 205,000 | $ 70,000 |
| Killeen-Temple, TX | 3 | $ 885,000 | $ 295,000 | $ 277,000 |
| Lexington-Fayette, KY | 3 | $ 635,000 | $ 211,666 | $ 104,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 1,585,000 | $ 528,333 | $ 229,000 |
| Macon-Bibb County, GA | 3 | $ 605,000 | $ 201,666 | $ 434,000 |
| Savannah, GA | 3 | $ 1,135,000 | $ 378,333 | $ 130,000 |
| Syracuse, NY | 3 | $ 1,605,000 | $ 535,000 | $ 264,000 |
| Winston-Salem, NC | 3 | $ 615,000 | $ 205,000 | $ 177,000 |
| Akron, OH | 2 | $ 470,000 | $ 235,000 | $ 129,000 |
| Amarillo, TX | 2 | $ 530,000 | $ 265,000 | $ 106,000 |
| Asheville, NC | 2 | $ 1,530,000 | $ 765,000 | $ 436,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 1,250,000 | $ 625,000 | $ 275,000 |
| Chattanooga, TN-GA | 2 | $ 720,000 | $ 360,000 | $ 112,000 |
| Columbus, GA-AL | 2 | $ 460,000 | $ 230,000 | $ 90,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 210,000 | $ 105,000 | $ 107,000 |
| Eugene, OR | 2 | $ 1,160,000 | $ 580,000 | $ 190,000 |
| Gainesville, GA | 2 | $ 590,000 | $ 295,000 | $ 176,000 |
| Grand Junction, CO | 2 | $ 770,000 | $ 385,000 | $ 125,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 840,000 | $ 420,000 | $ 341,000 |
| Kingston, NY | 2 | $ 340,000 | $ 170,000 | $ 78,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 360,000 | $ 180,000 | $ 116,000 |
| Montgomery, AL | 2 | $ 10,600,000 | $ 5,300,000 | $ 135,000 |
| Olympia-Tumwater, WA | 2 | $ 1,220,000 | $ 610,000 | $ 235,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 430,000 | $ 215,000 | $ 118,000 |
| Raleigh, NC | 2 | $ 960,000 | $ 480,000 | $ 135,000 |
| Richmond, VA | 2 | $ 670,000 | $ 335,000 | $ 96,000 |
| Salem, OR | 2 | $ 860,000 | $ 430,000 | $ 150,000 |
| Sebring, FL | 2 | $ 1,040,000 | $ 520,000 | $ 242,000 |
| Springfield, OH | 2 | $ 160,000 | $ 80,000 | $ 63,000 |
| Tacoma-Lakewood, WA | 2 | $ 620,000 | $ 310,000 | $ 80,000 |
| Urban Honolulu, HI | 2 | $ 1,470,000 | $ 735,000 | $ 190,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 430,000 | $ 215,000 | $ 72,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 1,470,000 | $ 735,000 | $ 253,000 |
| Albany, OR | 1 | $ 395,000 | $ 395,000 | $ 111,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 305,000 | $ 305,000 | $ 103,000 |
| Auburn-Opelika, AL | 1 | $ 175,000 | $ 175,000 | $ 99,000 |
| Bakersfield, CA | 1 | $ 695,000 | $ 695,000 | $ 245,000 |
| Beckley, WV | 1 | $ 275,000 | $ 275,000 | $ 251,000 |
| Bellingham, WA | 1 | $ 775,000 | $ 775,000 | $ 200,000 |
| Binghamton, NY | 1 | $ 305,000 | $ 305,000 | $ 84,000 |
| Bloomington, IN | 1 | $ 415,000 | $ 415,000 | $ 141,000 |
| Brunswick, GA | 1 | $ 355,000 | $ 355,000 | $ 201,000 |
| Burlington-South Burlington, VT | 1 | $ 315,000 | $ 315,000 | $ 205,000 |
| Cedar Rapids, IA | 1 | $ 425,000 | $ 425,000 | $ 130,000 |
| Coeur D'Alene, ID | 1 | $ 985,000 | $ 985,000 | $ 620,000 |
| College Station-Bryan, TX | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Corpus Christi, TX | 1 | $ 195,000 | $ 195,000 | $ 133,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 1,505,000 | $ 1,505,000 | $ 1,579,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 495,000 | $ 495,000 | $ 141,000 |
| Des Moines-West Des Moines, IA | 1 | $ 375,000 | $ 375,000 | $ 160,000 |
| Duluth, MN-WI | 1 | $ 385,000 | $ 385,000 | $ 240,000 |
| Durham-Chapel Hill, NC | 1 | $ 365,000 | $ 365,000 | $ 129,000 |
| El Centro, CA | 1 | $ 315,000 | $ 315,000 | $ 172,000 |
| El Paso, TX | 1 | $ 225,000 | $ 225,000 | $ 58,000 |
| Elgin, IL | 1 | $ 515,000 | $ 515,000 | $ 144,000 |
| Elmira, NY | 1 | $ 185,000 | $ 185,000 | $ 137,000 |
| Evansville, IN-KY | 1 | $ 165,000 | $ 165,000 | $ 93,000 |
| Fairbanks, AK | 1 | $ 285,000 | $ 285,000 | $ 206,000 |
| Fayetteville, NC | 1 | $ 365,000 | $ 365,000 | $ 97,000 |
| Florence-Muscle Shoals, AL | 1 | $ 455,000 | $ 455,000 | $ 1,058,000 |
| Gettysburg, PA | 1 | $ 145,000 | $ 145,000 | $ 262,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 415,000 | $ 415,000 | $ 185,000 |
| Greeley, CO | 1 | $ 535,000 | $ 535,000 | $ 178,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 425,000 | $ 425,000 | $ 154,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 175,000 | $ 175,000 | $ 154,000 |
| Hot Springs, AR | 1 | $ 495,000 | $ 495,000 | $ 150,000 |
| Joplin, MO | 1 | $ 615,000 | $ 615,000 | $ 220,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 435,000 | $ 435,000 | $ 1,771,000 |
| Kennewick-Richland, WA | 1 | $ 565,000 | $ 565,000 | $ 130,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 255,000 | $ 255,000 | $ 81,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 405,000 | $ 405,000 | $ 290,000 |
| Lake Charles, LA | 1 | $ 55,000 | $ 55,000 | $ 39,000 |
| Lancaster, PA | 1 | $ 535,000 | $ 535,000 | $ 230,000 |
| Las Cruces, NM | 1 | $ 225,000 | $ 225,000 | $ 53,000 |
| Lawton, OK | 1 | $ 255,000 | $ 255,000 | $ 252,000 |
| Lima, OH | 1 | $ 545,000 | $ 545,000 | $ 182,000 |
| Lynchburg, VA | 1 | $ 155,000 | $ 155,000 | $ 24,000 |
| Medford, OR | 1 | $ 365,000 | $ 365,000 | $ 201,000 |
| Midland, TX | 1 | $ 205,000 | $ 205,000 | $ 50,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 85,000 | $ 85,000 | $ 74,000 |
| Mobile, AL | 1 | $ 175,000 | $ 175,000 | $ 44,000 |
| New Bern, NC | 1 | $ 345,000 | $ 345,000 | $ 121,000 |
| New Orleans-Metairie, LA | 1 | $ 805,000 | $ 805,000 | $ 361,000 |
| Niles-Benton Harbor, MI | 1 | $ 285,000 | $ 285,000 | $ 200,000 |
| Norwich-New London, CT | 1 | $ 255,000 | $ 255,000 | $ 264,000 |
| Ocala, FL | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Ogden-Clearfield, UT | 1 | $ 555,000 | $ 555,000 | $ 135,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 605,000 | $ 605,000 | $ 300,000 |
| Reno, NV | 1 | $ 1,465,000 | $ 1,465,000 | $ 267,000 |
| Rochester, NY | 1 | $ 95,000 | $ 95,000 | $ 151,000 |
| Salinas, CA | 1 | $ 505,000 | $ 505,000 | $ 168,000 |
| Salt Lake City, UT | 1 | $ 485,000 | $ 485,000 | $ 139,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 1,255,000 | $ 1,255,000 | $ 450,000 |
| Sebastian-Vero Beach, FL | 1 | $ 275,000 | $ 275,000 | $ 74,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 195,000 | $ 195,000 | $ 44,000 |
| Sioux Falls, SD | 1 | $ 905,000 | $ 905,000 | $ 310,000 |
| Spartanburg, SC | 1 | $ 215,000 | $ 215,000 | $ 205,000 |
| St. George, UT | 1 | $ 525,000 | $ 525,000 | $ 339,000 |
| Staunton-Waynesboro, VA | 1 | $ 435,000 | $ 435,000 | $ 199,000 |
| Topeka, KS | 1 | $ 355,000 | $ 355,000 | $ 312,000 |
| Twin Falls, ID | 1 | $ 545,000 | $ 545,000 | $ 325,000 |
| Utica-Rome, NY | 1 | $ 245,000 | $ 245,000 | $ 102,000 |
| Walla Walla, WA | 1 | $ 325,000 | $ 325,000 | $ 200,000 |
| Warner Robins, GA | 1 | $ 85,000 | $ 85,000 | $ 154,000 |
| Wenatchee, WA | 1 | $ 945,000 | $ 945,000 | $ 360,000 |
| Wilmington, NC | 1 | $ 535,000 | $ 535,000 | $ 148,000 |
| Yuma, AZ | 1 | $ 215,000 | $ 215,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Evolve Bank & Trust in 2023
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 | 2,371 | $860,515,000 | $362,000 | $16,005,000 | $158,000 | $2,346,000 |
| Cash-out Refinancing | 154 | $45,330,000 | $294,000 | $725,000 | $145,000 | $1,019,000 |
| Refinancing | 65 | $23,455,000 | $360,000 | $1,615,000 | $154,000 | $569,000 |
| Home Improvement | 18 | $3,330,000 | $185,000 | $505,000 | $136,000 | $300,000 |
| Other Purpose | 13 | $3,365,000 | $258,000 | $725,000 | $123,000 | $309,000 |
| 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 | 1,545 | $540,765,000 | $350,000 | $2,125,000 | $160,000 | $2,346,000 |
| Black or African American | 393 | $119,985,000 | $305,000 | $1,455,000 | $121,000 | $786,000 |
| Hispanic | 261 | $87,875,000 | $336,000 | $1,815,000 | $126,000 | $1,019,000 |
| Asian | 181 | $78,505,000 | $433,000 | $1,495,000 | $207,000 | $833,000 |
| Not Provided | 175 | $66,265,000 | $378,000 | $2,005,000 | $211,000 | $1,771,000 |
| Not applicable | 48 | $35,100,000 | $731,000 | $16,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 14 | $5,690,000 | $406,000 | $1,255,000 | $164,000 | $450,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,495,000 | $498,000 | $675,000 | $102,000 | $114,000 |
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) | 2,002 | $751,090,000 | $375,000 | $16,005,000 | $177,000 | $2,346,000 |
| FHA-insured (Federal Housing Administration) | 527 | $154,805,000 | $293,000 | $1,115,000 | $94,000 | $615,000 |
| VA-guaranteed (Veterans Administration) | 74 | $26,680,000 | $360,000 | $1,065,000 | $108,000 | $294,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $3,420,000 | $190,000 | $355,000 | $72,000 | $148,000 |
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 | 1,948 | $678,050,000 | $348,000 | $16,005,000 | $157,000 | $2,346,000 |
| Application Withdrawn By Applicant | 485 | $178,885,000 | $368,000 | $1,495,000 | $162,000 | $1,771,000 |
| Application Denied By Financial Institution | 147 | $60,155,000 | $409,000 | $2,005,000 | $136,000 | $875,000 |
| Application Approved But Not Accepted | 24 | $8,580,000 | $357,000 | $885,000 | $170,000 | $518,000 |
| Preapproval Approved but not Accepted | 16 | $10,110,000 | $631,000 | $1,145,000 | $248,000 | $565,000 |
| Preapproval Denied by Financial Institution | 1 | $215,000 | $215,000 | $215,000 | $66,000 | $66,000 |
| 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 | 2,473 | $875,625,000 | $354,000 | $16,005,000 | $159,000 | $2,346,000 |
| Debt-To-Income Ratio | 46 | $17,140,000 | $372,000 | $2,005,000 | $79,000 | $279,000 |
| Other | 39 | $20,955,000 | $537,000 | $1,615,000 | $199,000 | $875,000 |
| Collateral | 20 | $9,410,000 | $470,000 | $1,425,000 | $193,000 | $584,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $5,525,000 | $368,000 | $1,255,000 | $141,000 | $450,000 |
| Credit History | 13 | $2,565,000 | $197,000 | $355,000 | $102,000 | $338,000 |
| Employment History | 12 | $3,860,000 | $321,000 | $675,000 | $95,000 | $255,000 |
| Unverifiable Information | 3 | $915,000 | $305,000 | $335,000 | $79,000 | $86,000 |
| 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 2023 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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