D. L. Evans Bank Mortgage Rates, Fees & Info

Burley, ID

LEI: 254900XRQ4U9ABU6F580

Tax ID: 82-0117415

5 stars - Updated: 4/5/25 - out of 5 stars, based on 23 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    D. L. Evans Bank is a smaller bank specializing in Home Purchase and Refi loans. D. L. Evans Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Boise City, Burley, Twin Falls, Hailey, and Ogden among others. We have data for 23 markets. (Some data included below & more in-depth data is available with an active subscription.)

    D. L. Evans Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. D. L. Evans Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 7.29% 4/5/25
    30 Year Conventional Purchase 6.92% 4/5/25
    30 Year Conventional Refi 7.37% 4/5/25
    30 Year Cash-out Refi 6.73% 4/5/25
    30 Year FHA Purchase 6.83% 4/5/25
    30 Year VA Purchase 6.04% 4/5/25
    30 Year USDA Purchase 6.27% 4/5/25
    15 Year Conventional Purchase 7.85% 4/5/25
    15 Year Conventional Refi 8.32% 4/5/25
    15 Year Cash-out Refi 8.32% 4/5/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    D. L. Evans Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from D. L. Evans Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    540

    Origination Dollar Volume (All Markets)

    $158,640,000

    Awards

    D. L. Evans Bank 30 Year Conventional Loans gold D. L. Evans Bank 30 Year Conventional Loans gold D. L. Evans Bank FHA Loans silver D. L. Evans Bank VA Loans gold
    Show all (4) awards

    Relative Rate

    D. L. Evans Bank's average 30 year fixed mortgage rate was 6.53%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of -0.02%.

    Relative Fees (Closing Costs)

    D. L. Evans Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $8,283.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    Top 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
    BOISE CITY, ID (FHA|USDA|VA) 154 $38,650,000 $250,974 $8,263 8.21%
    Burley, ID (FHA|USDA|VA) 101 $25,365,000 $251,139 $5,467 8.28%
    TWIN FALLS, ID (FHA|USDA|VA) 59 $20,885,000 $353,983 $6,119 8.22%
    Hailey, ID (FHA|USDA|VA) 52 $19,770,000 $380,192 $6,166 8.31%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 26 $10,090,000 $388,077 $5,504 7.93%
    Outside of Metro Areas 29 $7,785,000 $268,448 $7,813 8.28%
    IDAHO FALLS, ID (FHA|USDA|VA) 24 $6,800,000 $283,333 $5,437 8.61%
    POCATELLO, ID (FHA|USDA|VA) 20 $5,890,000 $294,500 $7,998 7.54%
    Rexburg, ID (FHA|USDA|VA) 15 $5,885,000 $392,333 $7,070 7.78%
    Ontario, OR-ID (FHA|USDA|VA) 27 $4,605,000 $170,556 $6,986 8.31%
    SALT LAKE CITY, UT (FHA|USDA|VA) 3 $3,305,000 $1,101,667 $5,833 8.54%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 6 $3,070,000 $511,667 $13,105 6.00%
    Blackfoot, ID (FHA|USDA|VA) 7 $1,595,000 $227,857 $9,087 8.44%
    LOGAN, UT-ID (FHA|USDA|VA) 4 $1,260,000 $315,000 $4,876 7.60%
    Jackson, WY-ID (FHA|USDA|VA) 3 $955,000 $318,333 $6,022 7.46%
    SALEM, OR (FHA|USDA|VA) 1 $715,000 $715,000 $7,223 7.88%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $405,000 $405,000 $0 8.50%
    SALISBURY, MD-DE (FHA|USDA|VA) 1 $365,000 $365,000 $12,316 6.63%
    PROVO-OREM, UT (FHA|USDA|VA) 2 $340,000 $170,000 $4,861 8.62%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $6,414 5.63%
    TUCSON, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $6,300 7.13%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $195,000 $195,000 $5,995 6.25%
    Mountain Home, ID (FHA|USDA|VA) 2 $180,000 $90,000 $708 8.49%
    D. L. Evans Bank's top markets include Boise City, Burley, Twin Falls, Hailey, and Ogden among others.

    Their top states include:
  • Idaho (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against D. L. Evans Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    ROGUE
    Similarity Rank: 162
    ADVANTAGE PLUS
    Similarity Rank: 198
    WEBER STATE FEDERAL CREDIT UNION
    Similarity Rank: 222
    CAPITAL EDUCATORS FEDERAL CREDIT UNION
    Similarity Rank: 253
    BEEHIVE
    Similarity Rank: 256
    CYPRUS Federal Credit Union
    Similarity Rank: 470
    University First Federal Credit Union
    Similarity Rank: 639
    First Federal Savings Bank of Twin Falls
    Similarity Rank: 784
    HOMEAMERICAN MORTGAGE CORPORATION
    Similarity Rank: 960
    Shea Mortgage Inc.
    Similarity Rank: 1122

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 289 $62,025,000 $214,619 n/a 9.02%
    Conventional 216 $84,420,000 $390,833 $5,807 7.39%
    FHA 21 $6,225,000 $296,429 $12,274 6.06%
    VA 11 $5,105,000 $464,091 $11,086 5.76%
    USDA 3 $865,000 $288,333 $9,409 5.58%

    For 2024, D. L. Evans Bank's most frequently originated type of loan was HELOC, with 289 originations. Their 2nd most popular type was Conventional, with 216 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 173 $81,445,000 $470,780 $8,445 7.02%
    Other 140 $19,610,000 $140,071 $1,753 8.92%
    Home Improvement 111 $17,175,000 $154,730 $2,824 9.04%
    Refi 97 $35,455,000 $365,515 $5,082 8.48%
    Cash Out Refi 19 $4,955,000 $260,789 $7,181 6.41%

    For 2024, D. L. Evans Bank's most frequently cited loan purpose was Home Purchase, with 173 originations. The 2nd most popular reason was Other, with 140 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 284 $60,410,000 $212,711 $0 9.01%
    30 Year 138 $53,510,000 $387,754 $8,283 6.53%
    10 Year 48 $24,660,000 $513,750 $1,799 7.66%
    15 Year 38 $6,140,000 $161,579 $2,614 8.56%
    1 Year 16 $8,400,000 $525,000 $7,908 8.84%
    20 Year 6 $1,320,000 $220,000 $6,994 6.54%
    5 Year 5 $175,000 $35,000 $764 7.61%
    3 Year 4 $2,520,000 $630,000 $0 8.59%
    30+ year 1 $1,505,000 $1,505,000 $28,403 7.25%

    For 2024, D. L. Evans Bank's most frequently cited loan duration was Other, with 284 originations. The 2nd most popular length was 30 Year, with 138 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 48 $10,910,000 $227,292
    $5k+ 40 $23,580,000 $589,500
    $3k-4k 29 $9,105,000 $313,966
    $2k-3k 28 $6,690,000 $238,929
    $1k-2k 22 $3,690,000 $167,727
    $4k-5k 21 $8,085,000 $385,000

    D. L. Evans Bank's average total fees were $8,283, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 48 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 314 $77,320,000 $246,242
    7-8% 100 $35,010,000 $350,100
    6-7% 91 $34,505,000 $379,176
    5-6% 35 $11,805,000 $337,286

    During 2024, D. L. Evans Bank's average interest rate for loans was 6.53%, while their most frequently originated rate bucket for loans was Over 8%, with 314 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 165 $8,765,000 $53,121 $1,367 9.01%
    $200k-400k 160 $45,060,000 $281,625 $7,549 7.58%
    $100k-200k 111 $15,525,000 $139,865 $4,026 8.47%
    $400k-600k 61 $28,645,000 $469,590 $10,503 7.17%
    $600k-1MM 27 $19,615,000 $726,481 $9,313 7.47%
    $1MM+ 16 $41,030,000 $2,564,375 $18,420 8.28%

    2024 saw D. L. Evans Bank place emphasis on $100,000 or less loans with 165 originations, totaling $8,765,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 108 $29,390,000 $272,130 $7,401 8.14%
    $100k-150k 97 $18,885,000 $194,691 $7,395 8.13%
    $250k+ 87 $41,805,000 $480,517 $8,742 7.97%
    $75k-100k 83 $14,215,000 $171,265 $5,964 8.18%
    $50k-75k 71 $9,815,000 $138,239 $5,825 8.26%
    $50k or less 44 $3,230,000 $73,409 $4,016 8.59%

    D. L. Evans Bank lent most frequently to those with incomes in the $150k-250k range, with 108 originations. The second most popular income band? $100k-150k, with 97 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 83 $16,275,000 $196,084 $6,140 8.43%
    30-36% 78 $16,610,000 $212,949 $6,161 8.22%
    <20% 58 $12,450,000 $214,655 $5,247 8.25%
    44% 48 $9,520,000 $198,333 $6,578 8.40%
    43% 29 $8,035,000 $277,069 $6,494 8.52%
    39% 23 $4,595,000 $199,783 $5,494 8.16%
    42% 19 $3,155,000 $166,053 $4,546 8.80%
    41% 18 $3,760,000 $208,889 $6,923 8.63%
    36% 17 $4,455,000 $262,059 $7,090 8.35%
    38% 17 $3,505,000 $206,176 $5,817 8.55%
    40% 17 $3,935,000 $231,471 $12,396 8.21%
    37% 16 $4,140,000 $258,750 $4,624 8.04%
    50-60% 13 $6,015,000 $462,692 $10,229 6.61%
    48% 8 $2,630,000 $328,750 $11,855 6.83%
    49% 7 $3,675,000 $525,000 $7,499 7.14%
    47% 6 $2,170,000 $361,667 $6,340 6.21%
    45% 6 $1,940,000 $323,333 $7,222 7.77%
    46% 5 $2,005,000 $401,000 $9,858 6.25%
    >60% 2 $760,000 $380,000 $12,938 6.81%

    D. L. Evans Bank lent most frequently to those with DTI ratios of 20-30%, with 83 originations. The next most common DTI ratio? 30-36%, with 78 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 468 $108,890,000 $232,671 $6,379 8.23%
    Not applicable 35 $37,825,000 $1,080,714 $0 8.10%
    Not provided 26 $8,820,000 $339,231 $10,243 7.52%
    Black 3 $1,285,000 $428,333 $11,920 5.75%
    Asian 3 $865,000 $288,333 $6,995 8.21%
    American Indian 3 $515,000 $171,667 $8,056 7.41%
    Native Hawaiian or Islander 1 $415,000 $415,000 $21,149 5.50%
    Other Pacific Islander 1 $25,000 $25,000 $0 9.24%

    Approval Rates

    Total approvals of all applications
    84.27%

    D. L. Evans Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    81.11%

    D. L. Evans Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 540 $158,640,000 $293,778

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    540 $158,640,000 $293,778

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 159 $37,985,000 $238,899 $5,323 8.60%
    40-60% 84 $46,630,000 $555,119 $6,732 7.80%
    60-80% 87 $37,085,000 $426,264 $7,932 7.26%
    80-100% 44 $17,670,000 $401,591 $10,888 6.33%
    Over 100% 1 $565,000 $565,000 $22,222 6.13%
    Under 20% 165 $18,705,000 $113,364 $2,248 8.92%