Evolve Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Evolve Bank & Trust of Memphis, TN reported 6,081 mortgage applications totaling $1.3 billion, up 55% from 2011. The average application was for $206,932, and applicants reported an average income of $93,489. 86% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Memphis, TN-MS-AR (655), Atlanta-Sandy Springs-Marietta, GA (434) and Dallas-Plano-Irving, TX (379) (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 | 6,081 |
| Total Mortgage Loan Application Amount | $1,258,357,000 |
| Average Mortgage Loan Application Amount | $206,932 |
| Highest Mortgage Loan Application Amount | $2,150,000 |
| Average Applicant Income | $93,489 |
| Highest Applicant Income | $1,998,000 |
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Act (HMDA) records Evolve Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 | 3,928 | $886,733,000 | $225,000 | $2,150,000 | $101,000 | $1,192,000 |
| Home Purchase | 2,133 | $369,937,000 | $173,000 | $1,267,000 | $80,000 | $1,998,000 |
| Home Improvement | 20 | $1,687,000 | $84,000 | $398,000 | $57,000 | $142,000 |
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 | 4,972 | $1,044,516,000 | $210,000 | $2,150,000 | $97,000 | $1,998,000 |
| Black or African American | 410 | $69,019,000 | $168,000 | $459,000 | $62,000 | $359,000 |
| Hispanic | 334 | $61,591,000 | $184,000 | $632,000 | $76,000 | $544,000 |
| Asian | 165 | $38,244,000 | $231,000 | $626,000 | $112,000 | $388,000 |
| Not Provided | 164 | $37,459,000 | $228,000 | $799,000 | $87,000 | $360,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $3,285,000 | $205,000 | $498,000 | $88,000 | $175,000 |
| American Indian or Alaskan Native | 12 | $2,023,000 | $168,000 | $306,000 | $110,000 | $287,000 |
| Not applicable | 8 | $2,220,000 | $277,000 | $520,000 | $199,000 | $796,000 |
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) | 3,621 | $815,708,000 | $225,000 | $2,150,000 | $118,000 | $1,500,000 |
| FHA-insured (Federal Housing Administration) | 2,013 | $358,442,000 | $178,000 | $869,000 | $57,000 | $1,998,000 |
| VA-guaranteed (Veterans Administration) | 265 | $61,800,000 | $233,000 | $1,500,000 | $72,000 | $485,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 182 | $22,407,000 | $123,000 | $695,000 | $45,000 | $676,000 |
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 | 5,244 | $1,078,324,000 | $205,000 | $1,360,000 | $95,000 | $1,998,000 |
| Application Denied By Financial Institution | 338 | $66,270,000 | $196,000 | $1,350,000 | $79,000 | $783,000 |
| Application Withdrawn By Applicant | 299 | $65,955,000 | $220,000 | $1,900,000 | $86,000 | $800,000 |
| File Closed For Incompleteness | 152 | $38,804,000 | $255,000 | $2,150,000 | $104,000 | $1,500,000 |
| Application Approved But Not Accepted | 48 | $9,004,000 | $187,000 | $450,000 | $72,000 | $343,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 78 | $15,815,000 | $202,000 | $590,000 | $65,000 | $783,000 |
| Credit History | 77 | $14,274,000 | $185,000 | $628,000 | $80,000 | $427,000 |
| Collateral | 72 | $15,347,000 | $213,000 | $1,350,000 | $99,000 | $600,000 |
| Other | 55 | $11,561,000 | $210,000 | $833,000 | $86,000 | $420,000 |
| Employment History | 20 | $3,142,000 | $157,000 | $238,000 | $61,000 | $243,000 |
| Credit Application Incomplete | 14 | $3,158,000 | $225,000 | $417,000 | $73,000 | $128,000 |
| Unverifiable Information | 13 | $1,960,000 | $150,000 | $417,000 | $59,000 | $162,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $549,000 | $78,000 | $135,000 | $43,000 | $88,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Evolve Bank & Trust's 2012 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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