Evolve Bank & Trust
Evolve Bank & Trust received 667 applications in 2025 and made 477 mortgages, in 155 counties across 31 states. The median rate its borrowers got was 6.625% on a median loan of $245,000. Of 547 decisions, 56 were denials — 10.2%, most often for credit application incomplete.
| Legal Entity Identifier | 549300IRXW9RSZM2B951 |
|---|---|
| Applications received | 667 |
| Mortgages made | 477 |
| Denied | 56 |
| Approved, not taken up | 14 |
| Withdrawn or incomplete | 120 |
| Loans bought from other lenders | 4 |
| Median rate spread over the prime offer rate | 0.162 points |
| FDIC-insured bank | Yes: Evolve Bank & Trust, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 388 | 6.625% | $245,000 | 8.7% |
| Refinancing | 55 | 6.875% | $265,000 | 16.2% |
| Cash-out refinancing | 24 | 6.625% | $230,000 | 13.8% |
| Other purposes | 10 | 7.000% | $90,000 | 23.1% |
Where Evolve Bank & Trust lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Shelby County, TN | 145 | 6.490% | 6.8% |
| Craighead County, AR | 58 | 7.188% | 6.5% |
| DeSoto County, MS | 18 | 6.250% | 5.0% |
| Pulaski County, AR | 12 | 6.500% | 0.0% |
| Fayette County, TN | 11 | 6.125% | 0.0% |
| Suffolk County, NY | 10 | 7.058% | 0.0% |
| Hampden County, MA | 9 | Under 10 loans | 0.0% |
| Worcester County, MA | 9 | Under 10 loans | 0.0% |
| Crittenden County, AR | 8 | Under 10 loans | 0.0% |
| Greene County, AR | 8 | Under 10 loans | 11.1% |
| Sharp County, AR | 8 | Under 10 loans | 0.0% |
| Tipton County, TN | 8 | Under 10 loans | 0.0% |
| Mississippi County, AR | 7 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 6 | Under 10 loans | 22.2% |
| Sussex County, DE | 6 | Under 10 loans | 0.0% |
| Benton County, AR | 5 | Under 10 loans | 0.0% |
| Cross County, AR | 5 | Under 10 loans | 0.0% |
| Poinsett County, AR | 4 | Under 10 loans | 0.0% |
| Randolph County, AR | 4 | Under 10 loans | 0.0% |
| Middlesex County, MA | 4 | Under 10 loans | 0.0% |
| Saratoga County, NY | 4 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 4 | Under 10 loans | 0.0% |
| Tulsa County, OK | 4 | Under 10 loans | 20.0% |
| Cleburne County, AR | 3 | Under 10 loans | 0.0% |
| Van Buren County, AR | 3 | Under 10 loans | 0.0% |
| Washington County, AR | 3 | Under 10 loans | 0.0% |
| Naugatuck Valley Planning Region, CT | 3 | Under 10 loans | 0.0% |
| Western Connecticut Planning Region, CT | 3 | Under 10 loans | 42.9% |
| Plymouth County, MA | 3 | Under 10 loans | 0.0% |
| Madison County, MS | 3 | Under 10 loans | 0.0% |
| Newton County, MO | 3 | Under 10 loans | 25.0% |
| Warren County, NY | 3 | Under 10 loans | 0.0% |
| Dallas County, TX | 3 | Under 10 loans | 0.0% |
| Baxter County, AR | 2 | Under 10 loans | 0.0% |
| Fulton County, AR | 2 | Under 10 loans | 0.0% |
| Garland County, AR | 2 | Under 10 loans | 0.0% |
| Lonoke County, AR | 2 | Under 10 loans | 0.0% |
| New Castle County, DE | 2 | Under 10 loans | 50.0% |
| District of Columbia, DC | 2 | Under 10 loans | 0.0% |
| Essex County, MA | 2 | Under 10 loans | 0.0% |
| Ottawa County, MI | 2 | Under 10 loans | 0.0% |
| Jasper County, MO | 2 | Under 10 loans | 0.0% |
| Davidson County, TN | 2 | Under 10 loans | 0.0% |
| Hamilton County, TN | 2 | Under 10 loans | 0.0% |
| Sumner County, TN | 2 | Under 10 loans | 0.0% |
| Bexar County, TX | 2 | Under 10 loans | 0.0% |
| Collin County, TX | 2 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| St. Clair County, AL | 1 | Under 10 loans | 0.0% |
| Shelby County, AL | 1 | Under 10 loans | 0.0% |
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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.