EvaBank mortgage approval rate & lending review
EvaBank decided 396 mortgage applications and funded 270 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions EvaBank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
EvaBank at a glance
Approval is 10.9 points below the 82.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 72% | 121 / 167 | 97% | $55K | 117 |
| Home improvement loans | 52% | 13 / 25 | 100% | $55K | 13 |
| Refinance | 67% | 47 / 70 | 94% | $75K | 44 |
| Investment property purchase | 80% | 70 / 87 | 93% | $75K | 65 |
| Investment refinance | 67% | 26 / 39 | 96% | $95K | 25 |
EvaBank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Alabama | 72% | $75K | 394 | 270 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where EvaBank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, AL | Investment property purchase | 86% | 36 | 30 |
| Morgan County, AL | Mortgage lenders | 62% | 50 | 30 |
| Morgan County, AL | Refinance | 55% | 29 | 14 |
The county markets where EvaBank made the most loans. Each link opens that market with every lender ranked.
Questions about EvaBank
What is EvaBank's mortgage approval rate?
EvaBank approved 71.5% of the 396 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.9 points below the 82.3% national rate for the same mix of loan types.
How often do borrowers take the loan EvaBank offers?
Borrowers accepted 95% of the loans EvaBank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does EvaBank make?
The typical home purchase mortgage loan EvaBank made was $55K; across all loan types its typical loan ran from $55K to $95K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does EvaBank lend?
EvaBank decided applications in 3 of the states Fat Boy Data covers, most of them in Alabama, Florida and Tennessee.
Can I apply to EvaBank directly?
Yes. EvaBank is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show EvaBank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how EvaBank treats applications, then get a rate quote from the lender.