Evergreen Federal Bank Mortgage Rates, Fees & Info
Grants Pass, ORLEI: 2549007E4NL6J0YLH946
Tax ID: 93-0177988
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Mortgage Data
Review & Overview
Evergreen Federal Bank is a smaller bank specializing in Home Purchase loans. Evergreen Federal Bank has a high proportion of conventional loans. Their top markets by origination volume include: Medford, Grants Pass, and Brookings among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)Evergreen Federal Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
204Origination Dollar Volume (All Markets)
$66,930,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| MEDFORD, OR (FHA|USDA|VA) | 113 | $40,275,000 | $356,416 | $0 | 0.00% |
| GRANTS PASS, OR (FHA|USDA|VA) | 88 | $25,100,000 | $285,227 | $0 | 0.00% |
| Brookings, OR (FHA|USDA|VA) | 3 | $1,555,000 | $518,333 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 204 | $66,930,000 | $328,088 | $0 | 0.00% |
For 2023, Evergreen Federal Bank's most frequently originated type of loan was Conventional, with 204 originations.
Loan Reason
For 2023, Evergreen Federal Bank's most frequently cited loan purpose was Home Purchase, with 175 originations. The 2nd most popular reason was Refi, with 21 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 204 | $66,930,000 | $328,088 | $0 | 0.00% |
For 2023, Evergreen Federal Bank's most frequently cited loan duration was Other, with 204 originations.
Loan Sizing
2023 saw Evergreen Federal Bank place emphasis on $200k-400k loans with 125 originations, totaling $33,835,000 in origination value.
Applicant Income
Evergreen Federal Bank lent most frequently to those with incomes in the $250k+ range, with 18 originations. The second most popular income band? $100k-150k, with 16 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 204 | $66,930,000 | $328,088 | $0 | 0.00% |
Evergreen Federal Bank lent most frequently to those with DTI ratios of Exempt%, with 204 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.01%
Evergreen Federal Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination88.73%
Evergreen Federal Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 204 | $66,930,000 | $328,088 |