Evans Bank, National Association mortgage approval rate & lending review
Evans Bank, National Association decided 976 mortgage applications and funded 832 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Evans Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to nbtbank.com.
Evans Bank, National Association at a glance
Approval is 8.2 points above the 78.9% 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 | 93% | 488 / 522 | 98% | $195K | 479 |
| Home improvement loans | 77% | 189 / 247 | 95% | $75K | 180 |
| Cash-out refinance | 88% | 36 / 41 | 100% | $165K | 36 |
| Refinance | 78% | 101 / 129 | 100% | $125K | 101 |
| Investment property purchase | 97% | 31 / 32 | 100% | $135K | 31 |
Evans Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 87% | $195K | 975 | 831 |
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 Evans Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Erie County, NY | Mortgage lenders | 93% | 355 | 327 |
| Erie County, NY | Home improvement loans | 79% | 193 | 146 |
| Erie County, NY | Refinance | 81% | 105 | 85 |
| Monroe County, NY | Mortgage lenders | 92% | 91 | 80 |
| Niagara County, NY | Mortgage lenders | 96% | 56 | 54 |
| Erie County, NY | Cash-out refinance | 84% | 32 | 27 |
| Erie County, NY | Investment property purchase | 96% | 27 | 26 |
| Monroe County, NY | Home improvement loans | 57% | 30 | 16 |
| Niagara County, NY | Home improvement loans | 81% | 21 | 16 |
The county markets where Evans Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Evans Bank, National Association
What is Evans Bank, National Association's mortgage approval rate?
Evans Bank, National Association approved 87.1% of the 976 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.2 points above the 78.9% national rate for the same mix of loan types.
How often do borrowers take the loan Evans Bank, National Association offers?
Borrowers accepted 98% of the loans Evans Bank, National Association 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 Evans Bank, National Association make?
The typical home purchase mortgage loan Evans Bank, National Association made was $195K; across all loan types its typical loan ran from $75K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Evans Bank, National Association lend?
Evans Bank, National Association decided applications in 2 of the states Fat Boy Data covers, most of them in New York and Florida.
Can I apply to Evans Bank, National Association directly?
Yes. Evans Bank, National Association reports as a direct lender that takes applications from borrowers. Its website is nbtbank.com.
Does this page show Evans Bank, National Association'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 Evans Bank, National Association treats applications, then get a rate quote from the lender.