Evolve Bank & Trust in Virginia vs the state
28.6%Denial rate+12.63 pts vs state
66.7%Decision denial rate+46.42 pts vs state
14.3%Origination rate-45.23 pts vs state
6.50%Median rate-0.13 pts vs state
0.46Rate spread (pts)+0.24 pts vs state
$84kMedian applicant income
1Loans originated
2Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 24 | 17.7% | 6.75% | #410 |
| 2024 | 32 | 22 | 3.1% | 6.75% | #424 |
| 2025 | 7 | 1 | 28.6% | 6.50% | #616 |
What Evolve Bank & Trust lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Evolve Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Portsmouth city | 2 | 0 | 0 | 0.0% |
| Newport News city | 1 | 0 | 0 | 0.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
| Chesapeake city | 1 | 0 | 1 | 100.0% |
| Franklin city | 1 | 0 | 1 | 100.0% |
| Accomack County | 1 | 0 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 7 applications in 2025, of which 1 were originated and 2 denied.
28.6% of all applications, or 66.7% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Evolve Bank & Trust originated in Virginia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Evolve Bank & Trust's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology