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.

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Evolve Bank & Trust

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We 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

Awards

Conventional

Superstar

FHA

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

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

Jumbo

Sound

Top 60% of lenders

USDA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 24 markets

Sound

Top 60% of lenders

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

Conventional

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume746

Mix69.3%

Spread

+0.202%Above

Fees

$2,177Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume253

Mix23.5%

Spread

+0.501%Above

Fees

$2,892Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume48

Mix4.5%

Spread

-0.188%Below

Fees

$1,879Fees

Jumbo Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume16

Mix1.5%

Spread

+0.354%Above

Fees

$1,510Fees

USDA Loans

Overall

Sound

Product

Sound

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	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

Purchase

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume969

Mix90.1%

Spread

+0.270%Above

Fees

$2,265Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast9

CTMEMANHNJNYPARIVT

Midwest5

ILMIMOOHWI

South14

ALARDCDEFLGAMDMSNCOKSCTNTXVA

West8

AKAZCACOIDMTORWA

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0

Memphis, TNMetro

Volume 181Mix 16.82% of portfolio

77/100

Strong

2© Bjoertvedt · CC BY-SA 4.0

Wilmington, DEMetro

Volume 87Mix 8.09% of portfolio

70/100

Strong

3© Quintin Soloviev · CC BY 4.0

Worcester, MAMetro

Volume 49Mix 4.55% of portfolio

67/100

Strong

4© Dicklyon · CC BY-SA 4.0

Nassau County, NYMetro

Volume 73Mix 6.78% of portfolio

64/100

Strong

Springfield, MAMetro

Volume 39Mix 3.62% of portfolio

63/100

Strong

Cambridge, MAMetro

Volume 58Mix 5.39% of portfolio

61/100

Strong

Dover, DEMetro

Volume 24Mix 2.23% of portfolio

59/100

Sound

Glens Falls, NYMetro

Volume 23Mix 2.14% of portfolio

57/100

Sound

Jonesboro, ARMetro

Volume 18Mix 1.67% of portfolio

57/100

Sound

Boston, MAMetro

Volume 35Mix 3.25% of portfolio

56/100

Sound

Showing 10 of 23 metro areas

Top States by Place Specialization Score

DelawareState

Volume 138Mix 12.83% of portfolio

74/100

Strong

MassachusettsState

Volume 214Mix 19.89% of portfolio

72/100

Strong

TennesseeState

Volume 166Mix 15.43% of portfolio

69/100

Strong

New YorkState

Volume 160Mix 14.87% of portfolio

67/100

Strong

ConnecticutState

Volume 72Mix 6.69% of portfolio

62/100

Strong

ArkansasState

Volume 48Mix 4.46% of portfolio

57/100

Sound

MississippiState

Volume 39Mix 3.62% of portfolio

55/100

Sound

MarylandState

Volume 36Mix 3.35% of portfolio

51/100

Sound

CaliforniaState

Volume 49Mix 4.55% of portfolio

49/100

Sound

New HampshireState

Volume 16Mix 1.49% of portfolio

46/100

Sound

Showing 10 of 15 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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 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.