EvaBank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
11th26.4% deniedProcesswithdrawn + incomplete share, weight 15%
10th25.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 499 | 223 | 28.1% | 37.4% | — | $33M |
| 2024 | 452 | 221 | 25.0% | 32.4% | — | $48M |
| 2025 | 348 | 180 | 19.5% | 26.4% | — | $28M |
What EvaBank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 210 manufactured homes, 87 investment properties.
Who gets approved at EvaBank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 112 | 50 | 34.6% |
| $50k – $100k | 121 | 71 | 19.8% |
| $100k – $150k | 49 | 18 | 42.9% |
| $150k – $250k | 31 | 16 | 18.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 24 | 20 | 4.8% |
| 25–34 | 67 | 32 | 30.6% |
| 35–44 | 60 | 31 | 24.4% |
| 45–54 | 68 | 32 | 32.1% |
| 55–64 | 62 | 21 | 47.5% |
| 65–74 | 23 | 12 | 14.3% |
Where EvaBank lends
3 states and 37 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Alabama | 346 | 179 | 19.4% | — | #106 |
Frequently asked questions
EvaBank denied 26.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 11th percentile of small mortgage lenders.
In 2025, 57% of its applications were for home purchases, 24% for refinancing (including cash-out), and 18% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.