# D. L. EVANS BANK

> **Canonical URL:** https://saferate.com/lenders/d-l-evans-bank

> **📋 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

D. L. EVANS BANK is a bank, headquartered in Burley, ID, serving borrowers across 9 states, with 142 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 70% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900XRQ4U9ABU6F580
- **Headquarters:** Burley, ID
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** AZ, DC, ID, KS, MD, OR, UT, VA, WA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.185%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,537
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 142
- **Dollar Volume:** $55 million
- **Applications Received:** 182
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $390,704
- **Average Borrower Income:** $177,359

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 106 | +0.270% | $3,635 | Sound ☺️ |
| FHA | 53/100 | 19 | +0.143% | $3,479 | Sound ☺️ |
| VA | 38/100 | 11 | -0.642% | $2,744 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 80 loans, Score: 42/100 (Sound)
- Refinance: 26 loans, Score: 40/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 44/100 | 109 | $46M | +0.165% | Sound ☺️ |
| Refinance | 42/100 | 33 | $10M | +0.250% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ID | 115 | 0.43% | 71/100 |
| UT | 12 | 0.03% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 67 | 54/100 |
| Boise City, ID | ID | 32 | 59/100 |
| Twin Falls, ID | ID | 12 | 50/100 |
| Pocatello, ID | ID | 10 | 47/100 |

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 30/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.185% above market average.

### What type of lender is D. L. EVANS BANK?

D. L. EVANS BANK is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Burley, ID.

### What is D. L. EVANS BANK's loan approval success rate?

D. L. EVANS BANK has a pull-through score of 64/100 (Strong). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/d-l-evans-bank

### How to Cite

> "D. L. EVANS BANK Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/d-l-evans-bank

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