Evolve Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, Evolve Bank & Trust of Memphis, TN reported 3,091 mortgage applications totaling $608.7 million. The average application was for $196,916, and applicants reported an average income of $87,446. 62% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Memphis, TN-MS-AR (651), Dallas-Plano-Irving, TX (252) and Cincinnati-Middletown, OH-KY-IN (250) (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 | 3,091 |
| Total Mortgage Loan Application Amount | $608,670,000 |
| Average Mortgage Loan Application Amount | $196,916 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $87,446 |
| Highest Applicant Income | $1,491,000 |
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Act (HMDA) records Evolve Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Evolve Bank & Trust in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 2,088 | $454,389,000 | $217,000 | $1,500,000 | $96,000 | $1,345,000 |
| Home Purchase | 988 | $153,998,000 | $155,000 | $1,170,000 | $70,000 | $1,491,000 |
| Home Improvement | 15 | $283,000 | $18,000 | $50,000 | $46,000 | $94,000 |
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 | 2,305 | $464,841,000 | $201,000 | $1,170,000 | $94,000 | $1,491,000 |
| Black or African American | 325 | $47,055,000 | $144,000 | $490,000 | $51,000 | $336,000 |
| Not Provided | 200 | $44,291,000 | $221,000 | $1,500,000 | $87,000 | $350,000 |
| Hispanic | 170 | $31,389,000 | $184,000 | $661,000 | $69,000 | $514,000 |
| Asian | 80 | $18,301,000 | $228,000 | $694,000 | $89,000 | $626,000 |
| American Indian or Alaskan Native | 6 | $1,455,000 | $242,000 | $366,000 | $99,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,338,000 | $267,000 | $411,000 | $47,000 | $107,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,767 | $387,380,000 | $219,000 | $1,500,000 | $114,000 | $1,491,000 |
| FHA-insured (Federal Housing Administration) | 1,117 | $186,309,000 | $166,000 | $829,000 | $53,000 | $435,000 |
| VA-guaranteed (Veterans Administration) | 119 | $22,612,000 | $190,000 | $544,000 | $44,000 | $225,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 88 | $12,369,000 | $140,000 | $328,000 | $46,000 | $300,000 |
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 | 1,906 | $364,627,000 | $191,000 | $1,170,000 | $88,000 | $1,491,000 |
| Application Withdrawn By Applicant | 636 | $130,550,000 | $205,000 | $1,500,000 | $86,000 | $770,000 |
| Application Denied By Financial Institution | 498 | $103,214,000 | $207,000 | $1,000,000 | $86,000 | $528,000 |
| Application Approved But Not Accepted | 42 | $8,487,000 | $202,000 | $680,000 | $90,000 | $538,000 |
| File Closed For Incompleteness | 9 | $1,792,000 | $199,000 | $400,000 | $102,000 | $220,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Collateral | 158 | $32,657,000 | $206,000 | $1,000,000 | $98,000 | $528,000 |
| Credit Application Incomplete | 126 | $26,922,000 | $213,000 | $927,000 | $83,000 | $442,000 |
| Credit History | 89 | $15,480,000 | $173,000 | $530,000 | $68,000 | $350,000 |
| Other | 27 | $6,595,000 | $244,000 | $945,000 | $100,000 | $250,000 |
| Debt-To-Income Ratio | 23 | $4,705,000 | $204,000 | $417,000 | $64,000 | $284,000 |
| Employment History | 13 | $1,961,000 | $150,000 | $234,000 | $88,000 | $350,000 |
| Unverifiable Information | 3 | $688,000 | $229,000 | $417,000 | $143,000 | $325,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $100,000 | $100,000 | $100,000 | $60,000 | $60,000 |
| Mortgage Insurance Denied | 1 | $365,000 | $365,000 | $365,000 | $84,000 | $84,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Evolve Bank & Trust's 2010 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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