Evolve Bank & Trust mortgage approval rate & lending review
Evolve Bank & Trust decided 3,357 mortgage applications and funded 3,070 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Evolve Bank & Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Evolve Bank & Trust at a glance
Approval is 6.9 points above the 85.9% 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% | 2,249 / 2,427 | 99% | $305K | 2,216 |
| Cash-out refinance | 83% | 104 / 125 | 99% | $265K | 103 |
| Refinance | 88% | 91 / 104 | 95% | $345K | 86 |
| Investment property purchase | 97% | 565 / 584 | 99% | $145K | 560 |
| Investment cash-out refinance | 89% | 41 / 46 | 93% | $215K | 38 |
| Investment refinance | 90% | 37 / 41 | 100% | $155K | 37 |
Evolve Bank & Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 95% | $295K | 626 | 585 |
| Massachusetts | 96% | $335K | 456 | 429 |
| Delaware | 93% | $305K | 379 | 346 |
| New York | 91% | $425K | 331 | 296 |
| Arkansas | 97% | $145K | 283 | 273 |
| California | 92% | $655K | 193 | 173 |
| Florida | 85% | $355K | 130 | 110 |
| Mississippi | 94% | $305K | 110 | 100 |
| Connecticut | 95% | $365K | 103 | 95 |
| Maryland | 91% | $335K | 92 | 83 |
| South Carolina | 92% | $405K | 60 | 53 |
| Texas | 89% | $375K | 57 | 51 |
| New Hampshire | 85% | $385K | 47 | 38 |
| Ohio | 83% | $215K | 46 | 37 |
| Georgia | 91% | $295K | 35 | 32 |
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 Evolve Bank & Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Shelby County, TN | Mortgage lenders | 94% | 385 | 357 |
| New Castle County, DE | Mortgage lenders | 95% | 195 | 182 |
| Shelby County, TN | Investment property purchase | 96% | 149 | 142 |
| Suffolk County, NY | Mortgage lenders | 98% | 112 | 110 |
| Craighead County, AR | Investment property purchase | 99% | 103 | 102 |
| Hampden County, MA | Mortgage lenders | 100% | 86 | 86 |
| DeSoto County, MS | Mortgage lenders | 95% | 85 | 79 |
| Sussex County, DE | Mortgage lenders | 88% | 82 | 72 |
| Saratoga County, NY | Mortgage lenders | 97% | 64 | 62 |
| Kent County, DE | Mortgage lenders | 94% | 62 | 58 |
| Pulaski County, AR | Investment property purchase | 100% | 51 | 50 |
| Craighead County, AR | Mortgage lenders | 97% | 33 | 32 |
The county markets where Evolve Bank & Trust made the most loans. Each link opens that market with every lender ranked.
Questions about Evolve Bank & Trust
What is Evolve Bank & Trust's mortgage approval rate?
Evolve Bank & Trust approved 92.9% of the 3,357 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.9 points above the 85.9% national rate for the same mix of loan types.
How often do borrowers take the loan Evolve Bank & Trust offers?
Borrowers accepted 98% of the loans Evolve Bank & Trust 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 Evolve Bank & Trust make?
The typical home purchase mortgage loan Evolve Bank & Trust made was $305K; across all loan types its typical loan ran from $145K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Evolve Bank & Trust lend?
Evolve Bank & Trust decided applications in 46 of the states Fat Boy Data covers, most of them in Tennessee, Massachusetts and Delaware.
Can I apply to Evolve Bank & Trust directly?
Yes. Evolve Bank & Trust is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Evolve Bank & Trust'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 Evolve Bank & Trust treats applications, then get a rate quote from the lender.