Applications / Mortgage Analytics / Lenders / Colorado / Evergreen National Bank
Evergreen, CO · National bank · OCC · $135 million assets · 17 loans in 2025
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17
loans originated, 2025
26
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Evergreen National Bank is a very small Colorado mortgage lender: it made 17 home loans in 2025, down from 25, and its record has gaps for 2020 to 2023, years it filed no report.
Its originations fell 32% to 17. Similar lenders (national banks making between half and twice as many loans) fell 17% in the typical case, while the whole market grew 10%. The typical similar lender made 24 loans, and most of the 37 made more than Evergreen National Bank did.
The bank was established in 1981 and appears in the public data from 1990. It filed no report for 2020 to 2023. Since 2020 a bank making fewer than 100 closed-end loans a year need not report, so those years are gaps in the record, not years without lending. It made 38 loans in 2018 and 20 in 2019.
Its biggest market is Denver-Aurora-Centennial, where it has lent since 1990 and ranks 251 of 754 lenders. In 2025 it also made loans in Kansas City and in non-metro Texas for the first time, spreading its lending across 3 states.
Most of its loans were refinances, and its dollar volume rose even as its loan count fell. With only 17 loans, a few large ones can swing its loan sizes, its product mix and its lending in poorer neighborhoods, so none of these can be fairly compared with similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Evergreen National Bank took 26 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 64.7% · Purchase 23.5% · Home improvement 11.8%
Conventional 100.0% · of 17 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 |
|---|---|---|
| Colorado | 15 | 88.2% |
| Missouri | 1 | 5.9% |
| Texas | 1 | 5.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 14 |
| Kansas City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006G148FKG4GC506 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 427858 | 2004–2019 |
| Respondent ID (the HMDA filer code before 2018) | 117000 | 1990–2017 |
Established 15 April 1981. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Evergreen National Bank's data.
Evergreen National Bank's data
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Evergreen National 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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