Applications / Mortgage Analytics / Lenders / Alabama / EvaBank
Eva, AL · State non-member bank · FDIC · $478 million assets · 180 loans in 2025
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180
loans originated, 2025
348
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
EvaBank is a manufactured-home lender: such homes made up 58.9% of its loans in 2025, against 2.8% at similar banks.
Similar lenders, state non-member banks making between half and twice as many loans, rarely make manufactured-home loans; almost none of them had as high a share as EvaBank. Its typical loan was $65,000, against $175,000 at peers, among the smallest. Every loan was conventional.
Low- and moderate-income (LMI) borrowers took 53.2% of its loans, against 27.7% at peers, a higher share than almost any of them. Majority-minority neighborhoods took 13.3%, against 6.2%. Small manufactured-home loans may suit lower-income buyers, which could explain much of this.
It denied 29.5% of home-purchase applications, against 6.1% at similar lenders. Manufactured-home applications, which make up most of its lending, are commonly turned down more often than others, and that mix could account for most of the difference.
Originations fell 19% in 2025, to 180 from 221, while similar lenders and the whole market each grew 10%. About nine in ten peers grew faster. The bank made 449 loans in 2018, and the data do not show why the count has fallen. It entered Gulfport-Biloxi in 2025, taking 0.2% of that market.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. EvaBank took 348 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.2% · Refinance 27.8% · Home improvement 9.4% · Other 5.6%
Conventional 100.0% · of 180 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Alabama | 179 | 99.4% |
| Mississippi | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 46 |
| Decatur | 30 |
| Huntsville | 16 |
| Florence-Muscle Shoals | 13 |
| Gadsden | 7 |
| Tuscaloosa | 2 |
| Auburn-Opelika | 1 |
| Daphne-Fairhope-Foley | 1 |
| Dothan | 1 |
| Gulfport-Biloxi | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FOTVC2DXJ6YD92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 498531 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326799 | 1990–2017 |
Established 13 October 1986. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: EvaBank's data.
EvaBank's data
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