Applications / Mortgage Analytics / Lenders / Arkansas / Evolve Bank & Trust
West Memphis, AR · State member bank · FRS · $1.3 billion assets · 477 loans in 2025
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477
loans originated, 2025
667
applications, 2025
25
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Evolve Bank & Trust, an Arkansas bank lending in 25 states, makes government-backed loans that similar lenders rarely do, but its loans fell 67% to 477 in 2025.
FHA loans (insured by the Federal Housing Administration) made up 17.4% of its lending and VA loans (guaranteed by the Department of Veterans Affairs) 5.9%. At similar lenders (state member banks making between half and twice as many loans) the typical share of each was 0.0%. Home purchases took 81.3% of its loans, and its typical loan, $245,000, was larger than its peers' $190,000.
Low- and moderate-income (LMI) neighborhoods took 23.8% of its loans, against 16.9% at similar lenders, and majority-minority areas 24.7%, against 6.9%. Both were higher than at more than four in five of its peers. LMI borrowers took 21.7%, lower than at about three-quarters of them; its larger typical loan may be one reason. Its higher-priced share (a rate well above the average for similar loans) was 1.1%, against 2.4%.
It made 477 loans, down from 1,427 in 2024, while similar lenders grew by 7% and the whole market by 10%. Its fall was steeper than at nearly all its peers. It made 5,529 loans in 2021. Its share fell in Jonesboro, AR, by 0.9 points to 2.1%, and in Glens Falls and Albany-Schenectady-Troy, two New York markets far from home. Those falls may point to a pullback from distant markets.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Evolve Bank & Trust took 667 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.3% · Refinance 16.6% · Home improvement 2.1%
Conventional 76.1% · FHA 17.4% · VA 5.9% · USDA (RHS or FSA) 0.6% · of 477 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 |
|---|---|---|
| Tennessee | 173 | 36.3% |
| Arkansas | 141 | 29.6% |
| Massachusetts | 29 | 6.1% |
| Mississippi | 27 | 5.7% |
| New York | 22 | 4.6% |
| Missouri | 13 | 2.7% |
| Oklahoma | 11 | 2.3% |
| Texas | 10 | 2.1% |
| Delaware | 9 | 1.9% |
| Connecticut | 8 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Memphis | 191 |
| Jonesboro | 62 |
| Little Rock-North Little Rock-Conway | 15 |
| Nassau County-Suffolk County | 10 |
| Springfield | 9 |
| Worcester | 9 |
| Fayetteville-Springdale-Rogers | 8 |
| Albany-Schenectady-Troy | 6 |
| Cambridge-Newton-Framingham | 6 |
| Los Angeles-Long Beach-Glendale | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IRXW9RSZM2B951 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 592448 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31299 | 1998–2009 |
| Respondent ID (the HMDA filer code before 2018) | 2592448 | 2010–2017 |
Established 5 June 1925. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Evolve Bank & Trust's data.
Evolve Bank & Trust's data
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Evolve Bank & Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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