What loan types does Evolve Bank & Trust offer?

Evolve Bank & Trust offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Evolve Bank & Trust offer mortgages?

Evolve Bank & Trust offers mortgages in 36 states: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, MA, MD, ME, MI, MO, MS, MT, NC, NH, NJ, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA, VT, WA, WI.

How competitive are Evolve Bank & Trust's mortgage rates?

Evolve Bank & Trust has an overall pricing score of 50.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Evolve Bank & Trust?

Evolve Bank & Trust is a Bank headquartered in West Memphis, AR.

Unclaimed

Evolve Bank & Trust

Bank•West Memphis, AR•Direct

We analyzed every closed loan from Evolve Bank Trust — 1.1k loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Sound

vs. all lenders

Pull Through

Strong

closing strength

Products

Strong

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

Near-National · 23 mkts

Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar

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Safe Rate's Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA loans
Nationwide availability with consistent service

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Report Card

Evolve Bank & Trust performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Sound	Industry Standard +25.5 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Sound	Industry Standard Top 60% of lenders
USDA	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National24 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Sound	Strong	746	69.3%	+0.202%Above	$2,177Fees
FHA Loans	Strong	Strong	Sound	Strong	253	23.5%	+0.501%Above	$2,892Fees
VA Loans	Sound	Strong	Sound	Strong	48	4.5%	-0.188%Below	$1,879Fees
Jumbo Loans	Acceptable	Sound	—	Acceptable	16	1.5%	+0.354%Above	$1,510Fees
USDA Loans	Sound	Sound	—	—	13	1.2%	+0.101%Above	$2,468Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Sound	Strong	969	90.1%	+0.270%Above	$2,265Fees
Refinance	Sound	Sound	Sound	Sound	107	9.9%	+0.127%Above	$2,689Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,076

Applications

1,421

Volume

$397 million

Pricing & Closing

Avg Rate Spread

+0.255%

vs. market APOR

Avg Net Fees

$2,311

Origination − Credits

Pullthrough Rate

75.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$369,591

Avg Borrower Income

$144,232

Avg Property Value

$471,227

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

AKALARAZCACOCTDCDEFLGAIDILMAMDMEMIMOMSMTNCNHNJNYOHOKORPARISCTNTXVAVTWAWI

Top Metro Areas by Place Specialization Score

Memphis, TNMSA

Volume: 181Mix: 16.82%of portfolio

Place

Strong

Wilmington, DEMSA

Volume: 87Mix: 8.09%of portfolio

Place

Strong

Worcester, MA, MAMSA

Volume: 49Mix: 4.55%of portfolio

Place

Strong

Nassau County, NYMSA

Volume: 73Mix: 6.78%of portfolio

Place

Strong

Springfield, MA, MAMSA

Volume: 39Mix: 3.62%of portfolio

Place

Strong

Cambridge, MAMSA

Volume: 58Mix: 5.39%of portfolio

Place

Strong

Dover, DE, DEMSA

Volume: 24Mix: 2.23%of portfolio

Place

Sound

Glens Falls, NY, NYMSA

Volume: 23Mix: 2.14%of portfolio

Place

Sound

Jonesboro, AR, ARMSA

Volume: 18Mix: 1.67%of portfolio

Place

Sound

Boston, MA, MAMSA

Volume: 35Mix: 3.25%of portfolio

Place

Sound

Showing 10 of 23 metro areas

Top States by Place Specialization Score

DEState

Volume: 138Mix: 12.83%of portfolio

Place

Strong

MAState

Volume: 214Mix: 19.89%of portfolio

Place

Strong

TNState

Volume: 166Mix: 15.43%of portfolio

Place

Strong

NYState

Volume: 160Mix: 14.87%of portfolio

Place

Strong

CTState

Volume: 72Mix: 6.69%of portfolio

Place

Strong

ARState

Volume: 48Mix: 4.46%of portfolio

Place

Sound

MSState

Volume: 39Mix: 3.62%of portfolio

Place

Sound

MDState

Volume: 36Mix: 3.35%of portfolio

Place

Sound

CAState

Volume: 49Mix: 4.55%of portfolio

Place

Sound

NHState

Volume: 16Mix: 1.49%of portfolio

Place

Sound

Showing 10 of 15 states

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.