Evolve Bank & Trust in New York vs the state
26.2%Denial rate+6.44 pts vs state
31.4%Decision denial rate+7.39 pts vs state
52.4%Origination rate-7.21 pts vs state
6.81%Median rate+0.19 pts vs state
0.08Rate spread (pts)-0.13 pts vs state
$179kMedian applicant income
22Loans originated
11Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 226 | 177 | 6.2% | 6.50% | #183 |
| 2024 | 220 | 170 | 5.5% | 6.63% | #194 |
| 2025 | 42 | 22 | 26.2% | 6.81% | #348 |
What Evolve Bank & Trust lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Evolve Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 12 | 10 | 0 | 0.0% |
| Kings County | 9 | 0 | 9 | 100.0% |
| Saratoga County | 5 | 4 | 0 | 0.0% |
| Nassau County | 3 | 0 | 0 | 0.0% |
| Warren County | 3 | 3 | 0 | 0.0% |
| Rensselaer County | 2 | 1 | 1 | 50.0% |
| Schenectady County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 0 | 0 | 0.0% |
| Queens County | 1 | 0 | 1 | 100.0% |
| Dutchess County | 1 | 1 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 42 applications in 2025, of which 22 were originated and 11 denied.
26.2% of all applications, or 31.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Evolve Bank & Trust originated in New York in 2025 was 6.81%, against a statewide median of 6.63%.
About this data. Figures are Evolve Bank & Trust's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology