Evolve Bank & Trust in Florida vs the state
45.5%Denial rate+24.39 pts vs state
62.5%Decision denial rate+35.26 pts vs state
27.3%Origination rate-25.42 pts vs state
5.99%Median rate-0.63 pts vs state
-0.23Rate spread (pts)-0.49 pts vs state
$148kMedian applicant income
3Loans originated
5Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 134 | 86 | 6.7% | 6.50% | #439 |
| 2024 | 41 | 23 | 14.6% | 6.88% | #636 |
| 2025 | 11 | 3 | 45.5% | 5.99% | #908 |
What Evolve Bank & Trust lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Evolve Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 3 | 1 | 2 | 66.7% |
| Pinellas County | 1 | 0 | 0 | 0.0% |
| Indian River County | 1 | 1 | 0 | 0.0% |
| Seminole County | 1 | 0 | 1 | 100.0% |
| Hillsborough County | 1 | 0 | 0 | 0.0% |
| Clay County | 1 | 0 | 0 | 0.0% |
| Flagler County | 1 | 0 | 1 | 100.0% |
| Lake County | 1 | 0 | 1 | 100.0% |
| Escambia County | 1 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 11 applications in 2025, of which 3 were originated and 5 denied.
45.5% of all applications, or 62.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Evolve Bank & Trust originated in Florida in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Evolve Bank & Trust's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology