Evergreen Federal 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 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
30th8.8% deniedProcesswithdrawn + incomplete share, weight 15%
32nd9.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 234 | 204 | 3.0% | 3.3% | — | $67M |
| 2024 | 190 | 168 | 7.9% | 8.2% | — | $60M |
| 2025 | 176 | 146 | 8.0% | 8.8% | — | $50M |
What Evergreen Federal 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: 0 home-equity lines, 0 reverse mortgages, 7 manufactured homes, 104 investment properties.
Why Evergreen Federal Bank denies applications
Primary reason reported for each of the 14 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Evergreen Federal Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 34 | 25 | 16.7% |
| Over $250k | 23 | 19 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 55–64 | 20 | 13 | 23.5% |
| 65–74 | 25 | 19 | 17.4% |
| Over 74 | 21 | 17 | 5.6% |
Where Evergreen Federal Bank lends
1 states and 3 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Oregon | 176 | 146 | 8.0% | — | #129 |
Frequently asked questions
Evergreen Federal Bank denied 8.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 30th percentile of investment-property lenders.
The most common reason Evergreen Federal Bank gave in 2025 was "debt-to-income ratio", cited on 85.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 72% of its applications were for home purchases, 13% for refinancing (including cash-out), and 15% 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.