Evergreen Bank Group 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%
4th37.1% deniedProcesswithdrawn + incomplete share, weight 15%
21st19.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 359 | 253 | 21.7% | 21.8% | — | $28M |
| 2024 | 824 | 406 | 27.2% | 34.8% | — | $47M |
| 2025 | 361 | 175 | 29.9% | 37.1% | — | $24M |
What Evergreen Bank Group 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, 181 manufactured homes, 4 investment properties.
Who gets approved at Evergreen Bank Group
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 40 | 12 | 53.9% |
| $50k – $100k | 121 | 36 | 56.3% |
| $100k – $150k | 76 | 34 | 42.6% |
| $150k – $250k | 61 | 44 | 20.3% |
| Over $250k | 61 | 48 | 10.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 29 | 12 | 52.0% |
| 35–44 | 73 | 33 | 46.0% |
| 45–54 | 93 | 63 | 19.3% |
| 55–64 | 70 | 31 | 36.0% |
| 65–74 | 64 | 24 | 42.2% |
| Over 74 | 24 | 11 | 38.9% |
Where Evergreen Bank Group lends
19 states and 91 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Illinois | 180 | 125 | 22.2% | — | #262 |
| Arizona | 38 | 12 | 29.0% | — | #343 |
| Michigan | 32 | 10 | 28.1% | — | #381 |
| New York | 30 | 7 | 40.0% | — | #378 |
| New Jersey | 18 | 4 | 50.0% | — | #461 |
| Pennsylvania | 18 | 5 | 44.4% | — | #612 |
| Florida | 11 | 2 | 45.5% | — | #888 |
| Delaware | 8 | 5 | 12.5% | — | #261 |
| Ohio | 5 | 0 | 40.0% | — | #711 |
| Washington | 5 | 1 | 60.0% | — | #532 |
Frequently asked questions
Evergreen Bank Group denied 37.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 4th percentile of small mortgage lenders.
In 2025, 45% of its applications were for home purchases, 14% for refinancing (including cash-out), and 42% 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.