Evans Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
18th21.0% deniedPricingmedian rate spread over APOR, weight 30%
69th0.13 ptsProcesswithdrawn + incomplete share, weight 15%
56th10.4%Closing coststotal loan costs ÷ loan amount, weight 10%
31st2.43% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 619 | 462 | 12.8% | 14.3% | 7.38% | $175M |
| 2024 | 563 | 438 | 12.8% | 14.0% | — | $117M |
| 2025 | 154 | 104 | 18.8% | 21.0% | 6.75% | $25M |
What Evans Bank 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: 66 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 6 investment properties.
Why Evans Bank denies applications
Primary reason reported for each of the 29 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Evans Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 28 | 15 | 37.5% |
| $50k – $100k | 64 | 50 | 11.9% |
| $100k – $150k | 24 | 14 | 22.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 42 | 24 | 18.2% |
| 35–44 | 31 | 24 | 13.3% |
| 45–54 | 24 | 17 | 26.1% |
| 55–64 | 28 | 17 | 32.0% |
Where Evans Bank lends
1 states and 13 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 154 | 104 | 18.8% | 6.75% | #230 |
Frequently asked questions
Evans Bank denied 21.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 18th percentile of small mortgage lenders.
The most common reason Evans Bank gave in 2025 was "debt-to-income ratio", cited on 58.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Evans Bank originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.13 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 56% of its applications were for home purchases, 12% for refinancing (including cash-out), and 31% for home improvement or other purposes. By loan type: 98% conventional, 2% 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.