Applications / Mortgage Analytics / Lenders / New York / Evans Bank
Angola, NY · National bank · OCC · $2.2 billion assets · 104 loans in 2025
Evans Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
104
loans originated, 2025
154
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Evans Bank, a New York national bank, made 104 loans in 2025, 76% fewer than the 438 of 2024, and half of them went to low- and moderate-income (LMI) borrowers.
Its lending fell from $117.2 million to $24.9 million, while similar lenders (national banks making between half and twice as many loans) grew 7%. Almost no similar lender fell as sharply. The bank may have changed which loans it makes or keeps, moved lending elsewhere, or filed an incomplete report for the year; the data do not show which.
It has lent in Buffalo-Cheektowaga since at least 1990. Its share there fell from 2.6% to 0.4%, and it ranked 41 of 267 lenders; United Wholesale Mortgage led, ahead of M&T Bank. Its share in Rochester fell 0.2 points. Both falls follow from its fewer loans.
LMI borrowers took 50.0% of its loans, against 23.4% at peers, higher than at nearly all similar lenders. LMI areas took 23.1%, against 15.0%.
Home purchases made up 63.5% of its loans and home improvement 16.3%. It made no FHA loans (insured by the Federal Housing Administration) or VA loans (guaranteed by the Department of Veterans Affairs) in 2025, after 3.2% and 1.1% in 2024.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Evans Bank took 154 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.5% · Home improvement 16.3% · Refinance 12.5% · Other 7.7%
Conventional 100.0% · of 104 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 |
|---|---|---|
| New York | 104 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Buffalo-Cheektowaga | 80 |
| Rochester | 17 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300F7JKU0UTD6KX15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 292908 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 111583 | 1990–2017 |
Established 1 January 1920. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Evans Bank's data.
Evans Bank's data
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Evans Bank 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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