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Claim this ProfileWe analyzed every closed loan from Evolve Bank & Trust — 1.1k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Near-National · 23 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Evolve Bank & Trust performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+25.5 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
746 loans · 0.20% above market
Strong
Top 40% of lenders
4/5
FHA
253 loans · 0.50% above market
Strong
Top 40% of lenders
4/5
VA
48 loans · 0.19% below market
Strong
Top 40% of lenders
4/5
Jumbo
16 loans · 0.35% above market
Sound
Top 60% of lenders
3/5
USDA
13 loans · 0.10% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
969 loans · 0.27% above market
Strong
Top 40% of lenders
4/5
Refinance
107 loans · 0.13% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 24 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 | 746 | 69.3% | +0.202%Above | $2,177Fees | ||||
FHA Loans | 253 | 23.5% | +0.501%Above | $2,892Fees | ||||
VA Loans | 48 | 4.5% | -0.188%Below | $1,879Fees | ||||
Jumbo Loans | — | 16 | 1.5% | +0.354%Above | $1,510Fees | |||
USDA Loans | — | — | 13 | 1.2% | +0.101%Above | $2,468Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume746
Mix69.3%
Spread
+0.202%Above
Fees
$2,177Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume253
Mix23.5%
Spread
+0.501%Above
Fees
$2,892Fees
VA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume48
Mix4.5%
Spread
-0.188%Below
Fees
$1,879Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume16
Mix1.5%
Spread
+0.354%Above
Fees
$1,510Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume13
Mix1.2%
Spread
+0.101%Above
Fees
$2,468Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 969 | 90.1% | +0.270%Above | $2,265Fees | ||||
Refinance | 107 | 9.9% | +0.127%Above | $2,689Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume969
Mix90.1%
Spread
+0.270%Above
Fees
$2,265Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume107
Mix9.9%
Spread
+0.127%Above
Fees
$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
23
markets with activity
States Served
36
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
36Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest5
ILMIMOOHWI
South14
ALARDCDEFLGAMDMSNCOKSCTNTXVA
West8
AKAZCACOIDMTORWA
Top Metro Areas by Place Specialization Score
Showing 10 of 23 metro areas
Top States by Place Specialization Score
Showing 10 of 15 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.
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 Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
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.