Evolve Bank & Trust in Tennessee vs the state
5.7%Denial rate-11.44 pts vs state
6.8%Decision denial rate-14.87 pts vs state
75.9%Origination rate+17.80 pts vs state
6.38%Median rate-0.25 pts vs state
0.11Rate spread (pts)-0.12 pts vs state
$103kMedian applicant income
173Loans originated
13Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 379 | 282 | 3.7% | 6.63% | #115 |
| 2024 | 297 | 232 | 4.0% | 6.63% | #147 |
| 2025 | 228 | 173 | 5.7% | 6.38% | #199 |
What Evolve Bank & Trust lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Evolve Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 191 | 145 | 11 | 5.8% |
| Fayette County | 13 | 11 | 0 | 0.0% |
| Tipton County | 11 | 8 | 0 | 0.0% |
| Madison County | 3 | 1 | 1 | 33.3% |
| Davidson County | 2 | 2 | 0 | 0.0% |
| Sumner County | 2 | 2 | 0 | 0.0% |
| Hamilton County | 2 | 2 | 0 | 0.0% |
| Knox County | 1 | 0 | 0 | 0.0% |
| Lake County | 1 | 0 | 1 | 100.0% |
| Hardeman County | 1 | 1 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 228 applications in 2025, of which 173 were originated and 13 denied.
5.7% of all applications, or 6.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Evolve Bank & Trust originated in Tennessee in 2025 was 6.38%, against a statewide median of 6.62%.
About this data. Figures are Evolve Bank & Trust's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology