# EVO HOME LOANS, LLC

> **Canonical URL:** https://saferate.com/lenders/evo-home-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


EVO HOME LOANS, LLC is a independent mortgage company, headquartered in SACRAMENTO, CA, serving borrowers across 5 states, with 153 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 76% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493006LCVYJR3AYGA52
- **Headquarters:** SACRAMENTO, CA
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AZ, CA, FL, NV, UT
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.422%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,054
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 153
- **Dollar Volume:** $67 million
- **Applications Received:** 233
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $437,157
- **Average Borrower Income:** $170,516
- **Average Property Value:** $591,275

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 35/100 | 137 | +0.453% | $3,090 | Acceptable 🙂 |
| VA | 56/100 | 13 | -0.030% | $2,962 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 119 loans, Score: 37/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 37/100 | 133 | $60M | +0.409% | Acceptable 🙂 |
| Refinance | 29/100 | 20 | $7M | +0.495% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AZ | 111 | 0.11% | 70/100 |
| CA | 22 | 0.01% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Phoenix | AZ | 99 | 70/100 |
| Riverside | CA | 11 | 44/100 |

## Frequently Asked Questions

### What loan types does EVO HOME LOANS, LLC offer?

EVO HOME LOANS, LLC offers the following mortgage loan types: Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does EVO HOME LOANS, LLC offer mortgages?

EVO HOME LOANS, LLC offers mortgages in 5 states: AZ, CA, FL, NV, UT.

### How competitive are EVO HOME LOANS, LLC's mortgage rates?

EVO HOME LOANS, LLC has a pricing score of 24/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.422% above market average.

### What type of lender is EVO HOME LOANS, LLC?

EVO HOME LOANS, LLC is a non-depository lender that specializes in mortgage origination, headquartered in SACRAMENTO, CA.

### What is EVO HOME LOANS, LLC's loan approval success rate?

EVO HOME LOANS, LLC has a pull-through score of 45/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/evo-home-loans

### How to Cite

> "EVO HOME LOANS, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/evo-home-loans

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