Evans Bank, National Association
Evans Bank, National Association received 154 applications in 2025 and made 104 mortgages, in 13 counties across 1 state. The median rate its borrowers got was 6.750% on a median loan of $160,000. Of 138 decisions, 29 were denials — 21.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300F7JKU0UTD6KX15 |
|---|---|
| Applications received | 154 |
| Mortgages made | 104 |
| Denied | 29 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 16 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.127 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 66 | 6.500% | $185,000 | 12.8% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 28.6% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 25 | 8.000% | $105,000 | 35.7% |
Where Evans Bank, National Association lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Erie County, NY | 65 | 6.875% | 18.8% |
| Niagara County, NY | 15 | 6.875% | 11.8% |
| Monroe County, NY | 14 | 6.625% | 33.3% |
| Chautauqua County, NY | 4 | Under 10 loans | 20.0% |
| Orleans County, NY | 2 | Under 10 loans | 0.0% |
| Allegany County, NY | 1 | Under 10 loans | 0.0% |
| Genesee County, NY | 1 | Under 10 loans | 0.0% |
| Ontario County, NY | 1 | Under 10 loans | 0.0% |
| Yates County, NY | 1 | Under 10 loans | 0.0% |
| Cayuga County, NY | 0 | Under 10 loans | 100.0% |
| Steuben County, NY | 0 | Under 10 loans | 100.0% |
| Wayne County, NY | 0 | Under 10 loans | 0.0% |
| Westchester County, NY | 0 | Under 10 loans | 100.0% |
Get told when this changes
When Evans Bank, National Association’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.