Evolve Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Evolve Bank & Trust of Memphis, TN reported 4,838 mortgage applications totaling $1.0 billion, down 22% from 2016. The average application was for $211,151, and applicants reported an average income of $87,299. 73% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Columbus, OH (905), Memphis, TN-MS-AR (429) and Atlanta-Sandy Springs-Roswell, GA (352) (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 | 4,838 |
| Total Mortgage Loan Application Amount | $1,021,550,000 |
| Average Mortgage Loan Application Amount | $211,151 |
| Highest Mortgage Loan Application Amount | $2,505,000 |
| Average Applicant Income | $87,299 |
| Highest Applicant Income | $1,271,000 |
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Act (HMDA) records Evolve Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 | 3,838 | $791,150,000 | $206,000 | $2,000,000 | $85,000 | $1,271,000 |
| Refinancing | 874 | $204,458,000 | $233,000 | $2,505,000 | $96,000 | $920,000 |
| Home Improvement | 126 | $25,942,000 | $205,000 | $567,000 | $97,000 | $382,000 |
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 | 3,254 | $696,029,000 | $213,000 | $2,000,000 | $95,000 | $1,271,000 |
| Black or African American | 600 | $117,743,000 | $196,000 | $801,000 | $70,000 | $351,000 |
| Hispanic | 498 | $102,205,000 | $205,000 | $570,000 | $70,000 | $288,000 |
| Asian | 242 | $55,177,000 | $228,000 | $842,000 | $95,000 | $466,000 |
| Not Provided | 156 | $32,476,000 | $208,000 | $679,000 | $78,000 | $305,000 |
| Not applicable | 60 | $10,982,000 | $183,000 | $2,505,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 17 | $4,240,000 | $249,000 | $636,000 | $80,000 | $223,000 |
| American Indian or Alaskan Native | 11 | $2,698,000 | $245,000 | $692,000 | $110,000 | $259,000 |
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) | 2,800 | $626,740,000 | $223,000 | $2,505,000 | $103,000 | $1,271,000 |
| FHA-insured (Federal Housing Administration) | 1,577 | $293,514,000 | $186,000 | $647,000 | $64,000 | $457,000 |
| VA-guaranteed (Veterans Administration) | 305 | $78,199,000 | $256,000 | $802,000 | $83,000 | $384,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 156 | $23,097,000 | $148,000 | $403,000 | $51,000 | $96,000 |
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 | 3,519 | $737,738,000 | $209,000 | $2,505,000 | $88,000 | $1,271,000 |
| Application Denied By Financial Institution | 560 | $118,904,000 | $212,000 | $800,000 | $84,000 | $804,000 |
| Application Approved But Not Accepted | 448 | $95,855,000 | $213,000 | $1,673,000 | $88,000 | $558,000 |
| Application Withdrawn By Applicant | 311 | $69,053,000 | $222,000 | $1,380,000 | $89,000 | $400,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 179 | $42,332,000 | $236,000 | $800,000 | $98,000 | $804,000 |
| Collateral | 94 | $17,473,000 | $185,000 | $757,000 | $87,000 | $298,000 |
| Debt-To-Income Ratio | 91 | $18,820,000 | $206,000 | $497,000 | $58,000 | $219,000 |
| Credit History | 88 | $18,077,000 | $205,000 | $625,000 | $83,000 | $317,000 |
| Unverifiable Information | 55 | $12,535,000 | $227,000 | $561,000 | $90,000 | $457,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 44 | $7,996,000 | $181,000 | $417,000 | $67,000 | $237,000 |
| Employment History | 8 | $1,247,000 | $155,000 | $268,000 | $72,000 | $330,000 |
| Credit Application Incomplete | 1 | $424,000 | $424,000 | $424,000 | $204,000 | $204,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Evolve Bank & Trust's 2017 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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