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Evolve Bank & Trust
Bank|West Memphis, AR|Near-National
Loans Originated
1,076
Applications
1,421
Volume
$397 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.255%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,311
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
75.7%
Percentage of applications that result in closed loans
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
Report Card
Evolve Bank & Trust performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 24 metro areas · 36 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$369,591
Average Borrower Income
$144,232
Average Property Value
$471,227
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 746 | 69.3% | +0.202% | $2,177 |
FHA Loans | Strong | Strong | Sound | Strong | 253 | 23.5% | +0.501% | $2,892 |
VA Loans | Strong | Strong | Sound | Strong | 48 | 4.5% | -0.188% | $1,879 |
Jumbo Loans | Acceptable | Sound | N/A | Acceptable | 16 | 1.5% | +0.354% | $1,510 |
USDA Loans | Sound | Sound | N/A | N/A | 13 | 1.2% | +0.101% | $2,468 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 969 | 90.1% | +0.270% | $2,265 |
Refinance | Sound | Sound | Sound | Sound | 107 | 9.9% | +0.127% | $2,689 |
Geographic Coverage
Metro Areas
23
States Served
36
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDCDEFLGAIDILMAMDMEMIMOMSMTNCNHNJNYOHOKORPARISCTNTXVAVTWAWI
Top Metro Areas by Place Specialization Score
1
Memphis, TNMSA
Volume: 181Mix: 16.82%
Place Specialization
Strong
2
Wilmington, DEMSA
Volume: 87Mix: 8.09%
Place Specialization
Strong
3
Worcester, MA, MAMSA
Volume: 49Mix: 4.55%
Place Specialization
Strong
4
Nassau County, NYMSA
Volume: 73Mix: 6.78%
Place Specialization
Strong
5
Springfield, MA, MAMSA
Volume: 39Mix: 3.62%
Place Specialization
Strong
6
Cambridge, MAMSA
Volume: 58Mix: 5.39%
Place Specialization
Strong
7
Dover, DE, DEMSA
Volume: 24Mix: 2.23%
Place Specialization
Sound
8
Glens Falls, NY, NYMSA
Volume: 23Mix: 2.14%
Place Specialization
Sound
9
Jonesboro, AR, ARMSA
Volume: 18Mix: 1.67%
Place Specialization
Sound
10
Boston, MA, MAMSA
Volume: 35Mix: 3.25%
Place Specialization
Sound
Showing 10 of 23 metro areas
Top States by Place Specialization Score
1
DEState
Volume: 138Mix: 12.83%
Place Specialization
Strong
2
MAState
Volume: 214Mix: 19.89%
Place Specialization
Strong
3
TNState
Volume: 166Mix: 15.43%
Place Specialization
Strong
4
NYState
Volume: 160Mix: 14.87%
Place Specialization
Strong
5
CTState
Volume: 72Mix: 6.69%
Place Specialization
Strong
6
ARState
Volume: 48Mix: 4.46%
Place Specialization
Sound
7
MSState
Volume: 39Mix: 3.62%
Place Specialization
Sound
8
MDState
Volume: 36Mix: 3.35%
Place Specialization
Sound
9
CAState
Volume: 49Mix: 4.55%
Place Specialization
Sound
10
NHState
Volume: 16Mix: 1.49%
Place Specialization
Sound
Showing 10 of 15 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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