Evolve Bank & Trust Mortgage Rates, Fees & Info
West Memphis, ARLEI: 549300IRXW9RSZM2B951
Tax ID: 71-0057070
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Bank Data
Review & Overview
Evolve Bank & Trust is a smaller bank specializing in Home Purchase loans. Evolve Bank & Trust has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Columbus, New York, Memphis, Atlanta, and Tampa among others. We have data for 239 markets. (Some data included below & more in-depth data is available with an active subscription.)Evolve Bank & Trust 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. Evolve Bank & Trust 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 |
|---|---|---|
| 30 Year Conventional Purchase | 6.43% | 12/16/24 |
| 30 Year Conventional Refi | 6.47% | 12/16/24 |
| 30 Year Cash-out Refi | 6.64% | 12/16/24 |
| 30 Year FHA Purchase | 7.47% | 12/16/24 |
| 30 Year FHA Refi | 7.41% | 12/16/24 |
| 30 Year VA Purchase | 6.34% | 12/16/24 |
| 30 Year VA Refi | 6.46% | 12/16/24 |
| 30 Year USDA Purchase | 6.83% | 12/16/24 |
| 15 Year Conventional Purchase | 5.40% | 12/16/24 |
| 15 Year Conventional Refi | 6.07% | 12/16/24 |
| 15 Year Cash-out Refi | 6.07% | 12/16/24 |
| 15 Year FHA Purchase | 6.09% | 12/16/24 |
| 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. | ||
Evolve Bank & Trust Mortgage Calculator
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This is not an official calculator from Evolve Bank & Trust. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,855Origination Dollar Volume (All Markets)
$627,695,000Employee count
323Awards
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Evolve Bank & Trust - 2018
Evolve Bank & Trust is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| COLUMBUS, OH (FHA|USDA|VA) | 552 | $99,840,000 | $180,870 | $5,205 | 5.02% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 173 | $60,305,000 | $348,584 | $8,842 | 4.70% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 287 | $53,225,000 | $185,453 | $5,109 | 4.94% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 177 | $38,845,000 | $219,463 | $4,782 | 4.86% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 171 | $36,455,000 | $213,187 | $5,233 | 4.81% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 130 | $30,960,000 | $238,154 | $6,451 | 4.87% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 138 | $30,320,000 | $219,710 | $6,367 | 5.10% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 82 | $26,580,000 | $324,146 | $8,110 | 4.94% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 46 | $13,840,000 | $300,870 | $4,444 | 4.88% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 46 | $13,050,000 | $283,696 | $7,458 | 5.01% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 39 | $11,895,000 | $305,000 | $8,115 | 4.80% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 38 | $11,080,000 | $291,579 | $8,041 | 5.32% |
| JONESBORO, AR (FHA|USDA|VA) | 72 | $10,900,000 | $151,389 | $4,184 | 5.42% |
| Outside of Metro Areas | 65 | $10,805,000 | $166,231 | $5,888 | 4.92% |
| TULSA, OK (FHA|USDA|VA) | 45 | $7,785,000 | $173,000 | $5,890 | 4.71% |
| DOVER, DE (FHA|USDA|VA) | 30 | $7,720,000 | $257,333 | $7,620 | 5.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 27 | $6,725,000 | $249,074 | $6,461 | 4.82% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 32 | $6,180,000 | $193,125 | $8,256 | 5.42% |
| LOUISVILLE, KY (FHA|USDA|VA) | 36 | $5,990,000 | $166,389 | $4,853 | 5.31% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 25 | $5,545,000 | $221,800 | $5,321 | 4.83% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 18 | $5,170,000 | $287,222 | $7,899 | 4.76% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 18 | $5,140,000 | $285,556 | $5,882 | 4.88% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 23 | $4,535,000 | $197,174 | $5,733 | 5.29% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 16 | $4,330,000 | $270,625 | $7,723 | 4.87% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 15 | $3,935,000 | $262,333 | $3,905 | 5.07% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 15 | $3,525,000 | $235,000 | $5,183 | 4.68% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 18 | $3,340,000 | $185,556 | $6,281 | 5.58% |
| MIDLAND, TX (FHA|USDA|VA) | 11 | $3,225,000 | $293,182 | $4,678 | 4.70% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $3,190,000 | $1,595,000 | $12,290 | 4.94% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 10 | $2,760,000 | $276,000 | $3,990 | 5.04% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 4 | $2,310,000 | $577,500 | $9,933 | 5.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3 | $2,205,000 | $735,000 | $12,166 | 4.79% |
| Torrington, CT (FHA|USDA|VA) | 8 | $2,100,000 | $262,500 | $8,523 | 4.81% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 12 | $1,860,000 | $155,000 | $5,314 | 5.09% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 6 | $1,820,000 | $303,333 | $9,412 | 5.12% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 10 | $1,780,000 | $178,000 | $11,405 | 4.93% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 5 | $1,775,000 | $355,000 | $5,442 | 4.68% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 8 | $1,690,000 | $211,250 | $3,948 | 5.06% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 11 | $1,635,000 | $148,636 | $4,808 | 4.58% |
| JACKSON, TN (FHA|USDA|VA) | 12 | $1,600,000 | $133,333 | $4,298 | 5.19% |
| Batesville, AR (FHA|USDA|VA) | 16 | $1,590,000 | $99,375 | $4,247 | 4.92% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $1,490,000 | $248,333 | $6,670 | 4.54% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 9 | $1,475,000 | $163,889 | $3,421 | 4.79% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 5 | $1,315,000 | $263,000 | $7,005 | 4.60% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 8 | $1,250,000 | $156,250 | $5,713 | 4.97% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $1,230,000 | $615,000 | $14,604 | 5.13% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $6,146 | 4.75% |
| Blytheville, AR (FHA|USDA|VA) | 9 | $1,195,000 | $132,778 | $4,588 | 4.99% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $5,507 | 4.75% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 7 | $1,185,000 | $169,286 | $5,473 | 4.59% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 7 | $1,175,000 | $167,857 | $6,819 | 5.16% |
| LIMA, OH (FHA|USDA|VA) | 8 | $1,150,000 | $143,750 | $4,608 | 5.03% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $5,531 | 5.06% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $4,495 | 4.75% |
| Mount Vernon, OH (FHA|USDA|VA) | 6 | $1,050,000 | $175,000 | $3,960 | 5.23% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $4,976 | 4.75% |
| Jefferson, GA (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $8,579 | 5.06% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $6,950 | 4.91% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $6,456 | 4.46% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $11,742 | 4.69% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $7,200 | 4.79% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $5,067 | 5.08% |
| AMARILLO, TX (FHA|USDA|VA) | 6 | $820,000 | $136,667 | $4,545 | 4.67% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $5,124 | 5.17% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $6,919 | 4.54% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $5,764 | 4.81% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $8,238 | 4.58% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $6,598 | 4.84% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $4,003 | 4.66% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $11,437 | 5.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $5,208 | 5.31% |
| LAS CRUCES, NM (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $6,054 | 5.16% |
| Urbana, OH (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $9,232 | 4.92% |
| PITTSFIELD, MA (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $5,473 | 4.90% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $4,232 | 4.94% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $8,238 | 5.19% |
| Paragould, AR (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $8,515 | 5.22% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $275 | 5.06% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $7,865 | 4.94% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $6,069 | 4.79% |
| Searcy, AR (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $5,774 | 4.06% |
| MANSFIELD, OH (FHA|USDA|VA) | 5 | $605,000 | $121,000 | $4,352 | 5.10% |
| Zanesville, OH (FHA|USDA|VA) | 5 | $585,000 | $117,000 | $5,805 | 5.23% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,816 | 5.69% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $3,184 | 5.13% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,809 | 4.88% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $9,836 | 5.69% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $11,540 | 4.63% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $6,020 | 5.08% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $6,340 | 5.04% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $3,448 | 5.25% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $8,741 | 3.81% |
| Shawnee, OK (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $5,485 | 4.69% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $5,640 | 4.88% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $3,721 | 4.97% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $3,783 | 5.13% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $13,745 | 4.63% |
| Van Wert, OH (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $5,062 | 5.00% |
| Heber, UT (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $6,782 | 4.75% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $9,058 | 4.50% |
| Key West, FL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $7,071 | 4.38% |
| Chillicothe, OH (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $8,143 | 5.13% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $4,941 | 5.47% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $13,596 | 4.99% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $3,401 | 5.04% |
| Forest City, NC (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,675 | 4.56% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $8,065 | 3.99% |
| Laconia, NH (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,512 | 4.75% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $4,206 | 5.13% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,215 | 4.87% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,122 | 4.44% |
| Calhoun, GA (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $4,589 | 4.92% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,374 | 5.19% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $10,096 | 4.63% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,663 | 4.75% |
| MORGANTOWN, WV (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,996 | 4.44% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,026 | 5.25% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,261 | 5.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,817 | 4.63% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $20,083 | 4.38% |
| AKRON, OH (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,259 | 4.88% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,806 | 4.37% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,669 | 4.81% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $10,918 | 4.75% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $10,136 | 3.88% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,701 | 4.99% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $4,980 | 5.25% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $7,903 | 4.50% |
| Keene, NH (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,734 | 4.81% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,494 | 4.81% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $5,162 | 4.58% |
| Williston, ND (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,113 | 5.00% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,421 | 5.75% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $6,862 | 4.44% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,503 | 5.06% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,283 | 4.88% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,193 | 5.25% |
| LAWTON, OK (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,049 | 4.88% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,105 | 5.00% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $21,125 | 4.50% |
| Brownsville, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,055 | 5.63% |
| Palatka, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,540 | 4.75% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,383 | 4.88% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,428 | 3.75% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,084 | 4.63% |
| Bellefontaine, OH (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $8,251 | 5.38% |
| Ashland, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,969 | 4.75% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,033 | 5.50% |
| ROME, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,593 | 4.25% |
| Marietta, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,710 | 4.63% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,250 | 5.25% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $14,256 | 4.75% |
| Dyersburg, TN (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $3,315 | 4.83% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,047 | 4.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,234 | 4.50% |
| Madison, IN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,104 | 3.75% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,745 | 4.88% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,230 | 4.75% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $12,452 | 6.50% |
| Batavia, NY (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,442 | 5.12% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,318 | 4.63% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,259 | 4.13% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,545 | 5.00% |
| Marion, OH (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $3,093 | 4.67% |
| Tupelo, MS (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,520 | 4.88% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,775 | 5.06% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $77 | 4.75% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,857 | 5.00% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,920 | 4.94% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $13,190 | 4.50% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,526 | 4.99% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,914 | 4.63% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,006 | 4.75% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,876 | 4.99% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $4,609 | 5.13% |
| West Plains, MO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 5.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,030 | 4.63% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,763 | 4.88% |
| Susanville, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,911 | 4.99% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,465 | 5.75% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,918 | 4.50% |
| Washington Court House, OH (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $5,655 | 4.75% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,297 | 4.88% |
| Newport, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,547 | 4.63% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,034 | 4.88% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,086 | 4.75% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,693 | 4.88% |
| Lake City, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $14,998 | 4.75% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,867 | 4.63% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,337 | 5.44% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,367 | 4.75% |
| MONROE, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,020 | 5.25% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,639 | 4.75% |
| Concord, NH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,421 | 5.13% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,230 | 4.63% |
| DALTON, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,032 | 4.88% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,253 | 5.75% |
| HAMMOND, LA (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $3,592 | 4.50% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,065 | 5.25% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,725 | 4.75% |
| Wooster, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,627 | 4.63% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,563 | 4.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,666 | 4.63% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $38 | 5.63% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,876 | 5.25% |
| ENID, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,178 | 3.75% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,167 | 4.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,778 | 4.99% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,820 | 5.75% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,998 | 4.63% |
| Berlin, NH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,970 | 5.13% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,575 | 3.63% |
| Pampa, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,109 | 4.63% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,863 | 4.25% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,651 | 4.25% |
| Durant, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,413 | 4.13% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,309 | 5.13% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,440 | 4.75% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,586 | 4.88% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,955 | 4.50% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,167 | 4.75% |
| Roswell, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,577 | 5.38% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,022 | 5.50% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,617 | 4.99% |
| Holland, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,522 | 4.88% |
| Harrison, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,638 | 5.13% |
| El Dorado, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,366 | 5.00% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,615 | 5.75% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,262 | 5.13% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,036 | 4.75% |
| Arkadelphia, AR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,866 | 4.88% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,398 | 5.63% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,260 | 4.75% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,962 | 5.25% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,901 | 4.99% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,989 | 5.13% |
| McAlester, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,398 | 4.25% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,791 | 4.13% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,895 | 6.25% |
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Product Mix
For 2018, Evolve Bank & Trust's most frequently originated type of loan was Conventional, with 1,738 originations. Their 2nd most popular type was FHA, with 820 originations.
Loan Reason
For 2018, Evolve Bank & Trust's most frequently cited loan purpose was Home Purchase, with 2,480 originations. The 2nd most popular reason was Cash Out Refi, with 196 originations.
Loan Duration/Length
For 2018, Evolve Bank & Trust's most frequently cited loan duration was 30 Year, with 2,536 originations. The 2nd most popular length was Other, with 163 originations.
Origination Fees/Closing Costs
Evolve Bank & Trust's average total fees were $6,021, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,246 originations.
Interest Rates
During 2018, Evolve Bank & Trust's average interest rate for loans was 4.93%, while their most frequently originated rate bucket for loans was 4-5%, with 1,781 originations.
Loan Sizing
2018 saw Evolve Bank & Trust place emphasis on $200k-400k loans with 1,186 originations, totaling $326,450,000 in origination value.
Applicant Income
Evolve Bank & Trust lent most frequently to those with incomes in the $50k-75k range, with 790 originations. The second most popular income band? $50k or less, with 639 originations.
Applicant Debt to Income Ratio
Evolve Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 437 originations. The next most common DTI ratio? 30-36%, with 420 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.36%
Evolve Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination76.25%
Evolve Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,855 | $627,695,000 | $219,858 |
Occupancy Type Mix
LTV Distribution
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Evolve Bank & Trust | 123 West Parkin Parkin, AR 72373 | Full Service B&M | $13,698 |
| Evolve Bank & Trust | 1690 Falls Boulevard North Wynne, AR 72396 | Full Service B&M | $33,212 |
| Evolve Bank & Trust | 301 Shoppingway Boulevard West Memphis, AR 72301 | Full Service B&M | $64,367 |
| Evolve Bank & Trust | 6070 Poplar Avenue, Suite 100 Memphis, TN 38119 | Full Service B&M | $258,261 |
For 2018, Evolve Bank & Trust had 4 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $24,073 |
| Net interest income | $19,526 |
| Total noninterest income | $38,548 |
| Gross Fiduciary activities income | $7,646 |
| Service charges on deposit accounts | $2,117 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $28,785 |
| Pre-tax net operating income | $5,864 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $4,266 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $4,266 |
| Minority interest net income | $0 |
| Net income | $4,266 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $4,266 |
Evolve Bank & Trust's gross interest income from loans was $24,073,000.
Evolve Bank & Trust's net interest income from loans was $19,526,000.
Evolve Bank & Trust's fee based income from loans was $2,117,000.
Evolve Bank & Trust's net income from loans was $4,266,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $4,547 |
| Provision for credit losses | $787 |
| Total noninterest expense | $51,423 |
| Salaries and employee benefits | $34,437 |
| Premises and equipment expense | $4,042 |
| Additional noninterest expense | $12,944 |
| Applicable income taxes | $1,598 |
| Net charge-offs | $977 |
| Cash dividends | $1,950 |
Evolve Bank & Trust's interest expense for loans was $4,547,000.
Evolve Bank & Trust's payroll and benefits expense were $34,437,000.
Evolve Bank & Trust's property, plant and equipment expenses $4,042,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 1.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 1.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $383,824 |
| Deposits held in domestic offices | $383,824 |
| Deposits by Individuals, partnerships, and corporations | $366,286 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $7,374 |
| Deposits by Commercial banks and other depository institutions in U.S. | $10,164 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $162,743 |
| Demand deposits | $130,440 |
| Nontransaction accounts | $221,081 |
| Money market deposit accounts (MMDAs) | $96,470 |
| Other savings deposits (excluding MMDAs) | $4,675 |
| Total time deposits | $119,936 |
| Total time and savings deposits | $253,384 |
| Noninterest-bearing deposits | $130,440 |
| Interest-bearing deposits | $253,384 |
| Retail deposits | $329,660 |
| IRAs and Keogh plan accounts | $9,879 |
| Brokered deposits | $38,033 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $473,202 |
| Cash & Balances due from depository institutions | $35,017 |
| Interest-bearing balances | $15,914 |
| Total securities | $21,262 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $390,367 |
| Loan and leases loss allowance | $6,178 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $7,424 |
| Other real estate owned | $2,294 |
| Goodwill and other intangibles | $5,648 |
| All other assets | $11,190 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $473,202 |
| Total Liabilities | $430,874 |
| Total deposits | $383,824 |
| Interest-bearing deposits | $253,384 |
| Deposits held in domestic offices | $383,824 |
| % insured (estimated) | $46 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $40,000 |
| Subordinated debt | $0 |
| All other liabilities | $7,050 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $390,367 |
| Loan and leases loss allowance | $6,178 |
| Total loans and leases (domestic) | $396,545 |
| All real estate loans | $298,991 |
| Real estate loans in domestic offices | $298,991 |
| Construction and development loans | $27,333 |
| Residential 1-4 family construction | $9,203 |
| Other construction, all land development and other land | $18,130 |
| Loans secured by nonfarm nonresidential properties | $128,091 |
| Nonfarm nonresidential secured by owner-occupied properties | $98,356 |
| Commercial real estate & other non-farm, non-residential | $29,735 |
| Multifamily residential real estate | $17,847 |
| 1-4 family residential loans | $122,639 |
| Farmland loans | $3,081 |
| Loans held in foreign offices | $0 |
| Farm loans | $1,880 |
| Commercial and industrial loans | $91,447 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $3,648 |
| Credit card loans | $0 |
| Related Plans | $1,477 |
| Consumer Auto Loans | $946 |
| Other loans to individuals | $1,225 |
| All other loans & leases | $579 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $0 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $1,183 |
| Non 1-4 family restructured loans & leases | $1,183 |
| Total loans and leases (foreign) | $0 |
Evolve Bank & Trust had $390,367,000 of loans outstanding in 2018. $298,991,000 of loans were in real estate loans. $27,333,000 of loans were in development loans. $17,847,000 of loans were in multifamily mortgage loans. $122,639,000 of loans were in 1-4 family mortgage loans. $1,880,000 of loans were in farm loans. $0 of loans were in credit card loans. $946,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 264 | $73,299 | $277,648 |
| Nonfarm, nonresidential loans - <$100k | 57 | $4,951 | $86,860 |
| Nonfarm, nonresidential loans - $100-250k | 91 | $13,839 | $152,077 |
| Nonfarm, nonresidential loans - $250k-1MM | 116 | $54,509 | $469,905 |
| Commercial & Industrial, US addressed loans - <$1MM | 780 | $69,623 | $89,260 |
| Commercial & Industrial, US addressed loans - <$100k | 436 | $13,183 | $30,236 |
| Commercial & Industrial, US addressed loans - $100-250k | 250 | $25,981 | $103,924 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 94 | $30,459 | $324,032 |
| Farmland loans - <$1MM | 15 | $1,775 | $118,333 |
| Farmland loans - <$100k | 9 | $261 | $29,000 |
| Farmland loans - $100-250k | 2 | $344 | $172,000 |
| Farmland loans - $250k-1MM | 4 | $1,170 | $292,500 |
| Agriculture operations loans - <$1MM | 3 | $571 | $190,333 |
| Agriculture operations loans - <$100k | 1 | $30 | $30,000 |
| Agriculture operations loans - $100-250k | 1 | $211 | $211,000 |
| Agriculture operations loans - $250k-1MM | 1 | $330 | $330,000 |