Evolve Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Evolve Bank & Trust of Memphis, TN reported 3,935 mortgage applications totaling $796.1 million, up 27% from 2010. The average application was for $202,301, and applicants reported an average income of $91,625. 71% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Memphis, TN-MS-AR (447), Houston-Sugar Land-Baytown, TX (214) and Atlanta-Sandy Springs-Marietta, GA (210) (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 | 3,935 |
| Total Mortgage Loan Application Amount | $796,056,000 |
| Average Mortgage Loan Application Amount | $202,301 |
| Highest Mortgage Loan Application Amount | $1,660,000 |
| Average Applicant Income | $91,625 |
| Highest Applicant Income | $1,632,000 |
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Act (HMDA) records Evolve Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011
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 | 2,219 | $506,659,000 | $228,000 | $1,660,000 | $104,000 | $1,632,000 |
| Home Purchase | 1,702 | $289,226,000 | $169,000 | $1,500,000 | $76,000 | $740,000 |
| Home Improvement | 14 | $171,000 | $12,000 | $55,000 | $30,000 | $124,000 |
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 | 3,072 | $634,730,000 | $206,000 | $1,660,000 | $95,000 | $1,632,000 |
| Black or African American | 311 | $47,260,000 | $151,000 | $506,000 | $57,000 | $518,000 |
| Hispanic | 262 | $48,556,000 | $185,000 | $687,000 | $77,000 | $382,000 |
| Not Provided | 150 | $33,276,000 | $221,000 | $1,200,000 | $89,000 | $482,000 |
| Asian | 123 | $29,836,000 | $242,000 | $814,000 | $120,000 | $742,000 |
| American Indian or Alaskan Native | 8 | $1,124,000 | $140,000 | $228,000 | $60,000 | $138,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,122,000 | $160,000 | $327,000 | $78,000 | $111,000 |
| Not applicable | 2 | $152,000 | $76,000 | $90,000 | $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) | 2,143 | $491,290,000 | $229,000 | $1,660,000 | $119,000 | $1,632,000 |
| FHA-insured (Federal Housing Administration) | 1,433 | $246,190,000 | $171,000 | $721,000 | $62,000 | $537,000 |
| VA-guaranteed (Veterans Administration) | 184 | $35,937,000 | $195,000 | $779,000 | $52,000 | $249,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 175 | $22,639,000 | $129,000 | $276,000 | $43,000 | $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 | 2,798 | $562,939,000 | $201,000 | $1,621,000 | $94,000 | $1,632,000 |
| Application Withdrawn By Applicant | 596 | $124,893,000 | $209,000 | $1,225,000 | $91,000 | $742,000 |
| Application Denied By Financial Institution | 428 | $86,296,000 | $201,000 | $1,660,000 | $79,000 | $891,000 |
| File Closed For Incompleteness | 77 | $15,225,000 | $197,000 | $610,000 | $86,000 | $283,000 |
| Application Approved But Not Accepted | 36 | $6,703,000 | $186,000 | $459,000 | $100,000 | $470,000 |
| 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 | 123 | $23,201,000 | $188,000 | $492,000 | $86,000 | $349,000 |
| Debt-To-Income Ratio | 121 | $26,279,000 | $217,000 | $1,276,000 | $69,000 | $585,000 |
| Credit History | 73 | $11,983,000 | $164,000 | $444,000 | $72,000 | $482,000 |
| Credit Application Incomplete | 39 | $8,794,000 | $225,000 | $592,000 | $79,000 | $179,000 |
| Other | 23 | $6,697,000 | $291,000 | $1,660,000 | $140,000 | $891,000 |
| Unverifiable Information | 15 | $3,130,000 | $208,000 | $400,000 | $82,000 | $217,000 |
| Employment History | 11 | $1,269,000 | $115,000 | $194,000 | $40,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,304,000 | $186,000 | $551,000 | $51,000 | $103,000 |
| Mortgage Insurance Denied | 1 | $77,000 | $77,000 | $77,000 | $158,000 | $158,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Evolve Bank & Trust's 2011 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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with aggregated HMDA statistics today.
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