Evolve Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Evolve Bank & Trust of Memphis, TN reported 5,974 mortgage applications totaling $1.2 billion, down 2% from 2012. The average application was for $205,955, and applicants reported an average income of $100,795. 88% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Memphis, TN-MS-AR (406), Atlanta-Sandy Springs-Marietta, GA (358) and Cincinnati-Middletown, OH-KY-IN (316) (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 | 5,974 |
| Total Mortgage Loan Application Amount | $1,230,379,000 |
| Average Mortgage Loan Application Amount | $205,955 |
| Highest Mortgage Loan Application Amount | $2,130,000 |
| Average Applicant Income | $100,795 |
| Highest Applicant Income | $6,936,000 |
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Act (HMDA) records Evolve Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 3,231 | $723,668,000 | $223,000 | $2,130,000 | $110,000 | $6,936,000 |
| Home Purchase | 2,730 | $504,962,000 | $184,000 | $2,000,000 | $90,000 | $4,281,000 |
| Home Improvement | 13 | $1,749,000 | $134,000 | $620,000 | $80,000 | $389,000 |
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 | 4,760 | $990,510,000 | $208,000 | $2,130,000 | $104,000 | $4,281,000 |
| Black or African American | 449 | $82,934,000 | $184,000 | $646,000 | $96,000 | $6,936,000 |
| Hispanic | 408 | $75,537,000 | $185,000 | $892,000 | $76,000 | $653,000 |
| Asian | 178 | $39,453,000 | $221,000 | $676,000 | $108,000 | $1,252,000 |
| Not Provided | 129 | $26,415,000 | $204,000 | $836,000 | $93,000 | $459,000 |
| Not applicable | 19 | $9,627,000 | $506,000 | $626,000 | $0 | $0 |
| American Indian or Alaskan Native | 19 | $3,501,000 | $184,000 | $555,000 | $69,000 | $207,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $2,402,000 | $200,000 | $392,000 | $71,000 | $192,000 |
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) | 3,767 | $835,825,000 | $221,000 | $2,000,000 | $121,000 | $6,936,000 |
| FHA-insured (Federal Housing Administration) | 1,730 | $291,992,000 | $168,000 | $907,000 | $64,000 | $415,000 |
| VA-guaranteed (Veterans Administration) | 309 | $80,349,000 | $260,000 | $2,130,000 | $88,000 | $611,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 168 | $22,213,000 | $132,000 | $306,000 | $45,000 | $91,000 |
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 | 5,281 | $1,077,104,000 | $203,000 | $2,000,000 | $100,000 | $4,281,000 |
| Application Withdrawn By Applicant | 345 | $75,722,000 | $219,000 | $1,439,000 | $124,000 | $6,936,000 |
| Application Denied By Financial Institution | 266 | $54,616,000 | $205,000 | $2,130,000 | $87,000 | $925,000 |
| File Closed For Incompleteness | 37 | $8,074,000 | $218,000 | $743,000 | $92,000 | $273,000 |
| Application Approved But Not Accepted | 29 | $5,917,000 | $204,000 | $417,000 | $98,000 | $492,000 |
| Loan Purchased By The Institution | 16 | $8,946,000 | $559,000 | $626,000 | $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 | 82 | $14,934,000 | $182,000 | $574,000 | $61,000 | $214,000 |
| Collateral | 70 | $16,220,000 | $231,000 | $2,130,000 | $102,000 | $799,000 |
| Other | 40 | $9,095,000 | $227,000 | $893,000 | $124,000 | $925,000 |
| Credit History | 35 | $7,042,000 | $201,000 | $712,000 | $82,000 | $329,000 |
| Unverifiable Information | 20 | $3,953,000 | $197,000 | $413,000 | $94,000 | $263,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,464,000 | $162,000 | $315,000 | $73,000 | $297,000 |
| Employment History | 7 | $1,450,000 | $207,000 | $299,000 | $87,000 | $166,000 |
| Credit Application Incomplete | 2 | $322,000 | $161,000 | $223,000 | $32,000 | $64,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Evolve Bank & Trust's 2013 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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