What loan types does Evo Home Loans offer?

Evo Home Loans offers the following mortgage loan types: Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Evo Home Loans offer mortgages?

Evo Home Loans offers mortgages in 5 states: AZ, CA, FL, NV, UT.

How competitive are Evo Home Loans's mortgage rates?

Evo Home Loans has an overall pricing score of 24.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Evo Home Loans?

Evo Home Loans is a Independent Mortgage Company headquartered in SACRAMENTO, CA.

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Evo Home Loans

Independent Mortgage Company•Sacramento, CAHQ•Direct•Reviews near you on Google

Evo Home Loans has 153 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

Sound

3/5

closing strength

Product

Sound

3/5

Conventional · VA

Place

Sound

3/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Evo Home Loans performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+42.2 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

137 loans · 0.45% above market

Acceptable

Bottom 40% of lenders

2/5

13 loans · 0.03% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

133 loans · 0.41% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

20 loans · 0.49% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 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	Acceptable	Acceptable	Acceptable	137	89.5%	+0.453%Above	$3,090Fees
VA Loans	Sound	Sound	—	Sound	13	8.5%	-0.030%Below	$2,962Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume137

Mix89.5%

Spread

+0.453%Above

Fees

$3,090Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume13

Mix8.5%

Spread

-0.030%Below

Fees

$2,962Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	133	86.9%	+0.409%Above	$3,067Fees
Refinance	Acceptable	Acceptable	—	Acceptable	20	13.1%	+0.495%Above	$2,984Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume133

Mix86.9%

Spread

+0.409%Above

Fees

$3,067Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume20

Mix13.1%

Spread

+0.495%Above

Fees

$2,984Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

153

Applications

233

Volume

$66 million

Pricing & Closing

Avg Rate Spread

+0.422%

vs. market APOR

Avg Net Fees

$3,054

Origination − Credits

Pullthrough Rate

65.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$437,157

Avg Borrower Income

$170,516

Avg Property Value

$591,275

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

5Full-year 2024 · HMDA

Loans originated

< 2020+None

South1

West4

AZCANVUT

Top Metro Areas by Place Specialization Score

Phoenix, AZMetro

Volume 99Mix 64.71% of portfolio

70/100

Strong

Riverside, CAMetro

Volume 11Mix 7.19% of portfolio

44/100

Sound

Top States by Place Specialization Score

ArizonaState

Volume 111Mix 72.55% of portfolio

70/100

Strong

CaliforniaState

Volume 22Mix 14.38% of portfolio

47/100

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.