What loan types does D. L. Evans Bank offer?

D. L. Evans Bank offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does D. L. Evans Bank offer mortgages?

D. L. Evans Bank offers mortgages in 9 states: AZ, DC, ID, KS, MD, OR, UT, VA, WA.

How competitive are D. L. Evans Bank's mortgage rates?

D. L. Evans Bank has an overall pricing score of 29.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is D. L. Evans Bank?

D. L. Evans Bank is a Bank headquartered in Burley, ID.

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D. L. Evans Bank

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D. L. Evans Bank has 142 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

FHA · Conventional · VA

Place

Sound

3/5

Multi-Region · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Strong pull through performance

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

D. L. Evans Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+18.5 bps above market avg

2/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

106 loans · 0.27% above market

Sound

Top 60% of lenders

3/5

FHA

19 loans · 0.14% above market

Sound

Top 60% of lenders

3/5

11 loans · 0.64% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

109 loans · 0.17% above market

Sound

Top 60% of lenders

3/5

Refinance

33 loans · 0.25% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 4 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Sound	Acceptable	Sound	106	74.6%	+0.270%Above	$3,635Fees
FHA Loans	Sound	Sound	—	—	19	13.4%	+0.143%Above	$3,479Fees
VA Loans	Acceptable	Acceptable	—	—	11	7.7%	-0.642%Below	$2,744Fees

Conventional

Overall

Acceptable

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume106

Mix74.6%

Spread

+0.270%Above

Fees

$3,635Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume19

Mix13.4%

Spread

+0.143%Above

Fees

$3,479Fees

VA Loans

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume11

Mix7.7%

Spread

-0.642%Below

Fees

$2,744Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	109	76.8%	+0.165%Above	$3,755Fees
Refinance	Sound	Sound	Acceptable	Sound	33	23.2%	+0.250%Above	$2,850Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume109

Mix76.8%

Spread

+0.165%Above

Fees

$3,755Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume33

Mix23.2%

Spread

+0.250%Above

Fees

$2,850Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

142

Applications

182

Volume

$55 million

Pricing & Closing

Avg Rate Spread

+0.185%

vs. market APOR

Avg Net Fees

$3,537

Origination − Credits

Pullthrough Rate

78.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$390,704

Avg Borrower Income

$177,359

Avg Property Value

$736,690

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

9Full-year 2024 · HMDA

Loans originated

< 1010+None

Midwest1

South3

DCMDVA

West5

AZIDORUTWA

Top Metro Areas by Place Specialization Score

Boise City, IDMetro

Volume 32Mix 22.54% of portfolio

59/100

Sound

Twin Falls, IDMetro

Volume 12Mix 8.45% of portfolio

50/100

Sound

Pocatello, IDMetro

Volume 10Mix 7.04% of portfolio

47/100

Sound

Top States by Place Specialization Score

IdahoState

Volume 115Mix 80.99% of portfolio

71/100

Strong

UtahState

Volume 12Mix 8.45% of portfolio

46/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.