Evolve Bank & Trust
Reviews and Complaints

Or the manager could have (not could of, could HAVE) just done his damn job the first time and given her the information she asked for instead of being a shady ###. You're an idiot and an ###.

People need to have common sense when dealing with financial transactions. Do your homework when it comes to the people you trust with your information. Oh and wowrly, I like my attitude pal. If you don't like it, you can pucker up buttercup and kiss it where the sun don't shine.

If they didn't trust the situation and felt it was shady, they could of just not filled out an application there. Not their fault that most people are dumb as dirt, yourself included. It's people like them and you that this country is in a world of hurt by putting big eared dummy in the Oval Office.

Or the manager could have just told her all of that the first time. No need to be a dick about it, MCC. She asked the manager and he wouldn't tell her what the deal really was. You're ignorant for not expecting people filling out MORTGAGE applications to just be super laid back and casual about it. Fix your attitude, it sucks.

The reason that he can't show you a license per say is that we are nationally licensed Loan Originators and we don't get a piece of paper saying that. He should of provided you with a license number that can be checked on NMLS.com. The other thing is that if there is a program that is offered by a bank other than the one you took the application with, most lenders can broker out the loan and still keep you as a customer. This cuts down on time consumption and unnecessary credit pulls which benefits you. You really should know the facts before complaining about someone and trying to put a black mark by their name when all they are doing is trying to help you out and earn a living at the same time. Just ignorant in my eyes.

Due to the tighter government regulations previously mentioned you can rest assured that those "extra" fess are being properly paid to the third party performing their duty. A final inspection is more than just driving by and saying "ok it is done". It is confirming its done and then going back to the office to enter it into "the government approved" software system. Todays mortgage is a tight paper trail. The appraiser making that final inspection is protecting you as well. He is documenting that you are getting the house in the condition you are paying for and he can be held accountable if its not. (prison, not jail but prison). A mortgage company's (Evolve Bank and Trust) profit margin does not change after the loan application has been officially made. It cannot. The process can be frustrating and sometimes delayed but you have to remember that everyone involved has the same goal.
You want the house.
The bank wants the loan.
The seller wants to sell.
The loan officer wants to close
The attorney wants to close
and so on...
Unfortunately with so many restrictions designed to protect everyone it will often clog up the flow. Try to be patient and good luck.

My daughter and son in law are using Evolve Bank for their first mortgage. The loan officer has delayed and delayed. His standard response is, "I'll take care of that", but then doesn't. They are not closing on time, missed two closing dates. The loan officer is il- informed about what he is doing and doesn't understand much of what he is asking for and it's purpose, so he has 'made up reasons' for items requested. He loses papers and asks for them repeatedly. He waited until 2 days before they were supposed to close to give anything to the underwriter so of course, they aren't closing on time. They padded the bill with things like fixing a very small thing on the house and then charged additional $125 for an inspector (the same guy that did the appraisal) to go out and check to see if it was done! At the last minute they decided they wanted a second well/septic inspection, even though the seller did one and had the septic pumped out at their expense. The water was checked too and a report was given to the bank. They just kept adding money to the closing costs! This bank is money grabbing. Their fees were outrageous. I have purchased and sold many homes and have never seen anything like this! NO ONE should use this BS bank. Chicago area.

I am not in the mortgage industry at all, but I can confirm that it is a common praxis now that appraisals have to be paid upfront. When you make a decision to refinance your house you should not expect that the mortage company pays all your fees just because, further more clear communitaction and respect is a key incrediance to a sucessfull deal between both parties.

I find your last remarks very distasteful and inappropriate. Since I posted my last question/comment in February, we have been communicating back and forth with Evolve Bank in CA. Our Loan Officer that we began with is no longer there. We finally found out by not getting any responses to our several emails to him. We are now communicating with his supervisor and Loan Depot. As of this date, May 8th, 2012, we still do not have a finalized Loan. I have found out that the parent company Evolve Bank & Trust located in TN is accredited by the Better Business Bureau. It did take alot of time to acquire the several documents they requested; and once we supplied them, there were a couple that they continued to ask for even though we had already sent them. We are hoping and praying that this FHA Loan that they say my son qualifies for does get processed. I have found it difficult to deal with a Loan Company in CA due to the time difference. When we are ready to retire on the East Coast, they are still working and have communicated things late at night (to us) via email that they need right away. On the other hand, when we arise in the morning to begin our day and are ready to talk or get clarification, they are not even up or at work yet. Again, I hope this is not a scam. AND, AGAIN, your last comment is offensive and totally inappropriate.

If the 500.00 charged was in connection to paying for an appraisal, you can thank Rep. Frank (Ma-D) and Sen. Dodd .(Ct-D) for that. It has been for the past few years that the rules have changed and you cannot pay an appraiser at the door like you used to. This was done to keep the appraisal process on the up and up and make it so that the communications between Loan Officer and Appraiser out of the equation. The regulations that the US Gov't put into action to protect the Banks and YOU are the reasons why you are getting asked for a check or credit card number before hand and also the reason why you have to rush all paperwork back in. Please do your homework before you come on here and voice your opinion. If you are trying to save money by refinancing, it shouldn't be a hassle to round up some simple paperwork. Would you like the Loan Officer to wipe your rear end too after you go to the bathroom?

Evolve Bank & Trust contacted my son by phone this date and convinced him to refinance his home with them based on a form that I filled out via the internet just looking for information. The online form wanted his SS# and I didn't supply it. I was not even sure that the form went anywhere due to the missing information. But they called him - from California. We live in WV. I have no idea if they are licensed to do business in WV. I have no idea if they are a bank. They talked my son into charging almost $500 on his credit card and they proceeded to email me forms...several emails followed. All the forms have to be printed out by us and returned to them within 3 days...which is a rush by anyone's standards...when external documents they require have to be secured from external sources. I am smelling something like a scam...too fast...money up front...couldn't mail us a packet...He doesn't even have a computer or internet ...so what if I don't have enough ink to print out all this stuff...we certainly don't have time to gather up all the information they want and mail it back to them in 3 days. I also read that they do all this and then refer you to a Mortgage Broker which we can do on our own w/o a middleman. I would appreciate input.

I have known Jo Garner with Evolve Bank and Trust for over four years. She is the most helpful, sincere, genuine, trustworthy, and best all around person I have ever met. She always puts the other person first. I would not hesitate to send any of my clients to do business with Jo.

I have known and worked with both Jo Garner and Susan at Evolve Bank and Trust for a number of years and have always found them to be prompt and prepared for whatever comes there way. They are both pleasant, trustworthy, and easy to communicate with. I have heard nothing but positive things about them from everyone I work with.

I was completely shocked by the comments above. Jo Garner has written two separate mortgages for me, personally and was very professional throughout the process and kept me informed. Although I had no deadlines, Jo was determined to close on the date she original gave me.

I have since worked with Jo and Susan across the table, not as a customer but as an insurance professional. Both ladies have been easy to work with and nothing but polite to all in our agency and of course with the client. If there was a delay in closing it had to be unexpected and beyond Jo's control. Since we sometimes share the same clients I know firsthand the rave-reviews our mutual clients give Jo after the closing. The best compliment I can give Jo is that I have used her and sent friends and relatives to Jo for mortgages because I know they will get the best rate and the best service available in Memphis!

Response to complaint 4-8-2011
First, let me apologize any inconvenience the loan process has caused you. The 2nd appraisal was required by FHA due to the anti-flip rules. We were unaware the 2nd appraisal was required until we got the final review on your title from the title agency showing that the seller took title of the home less than 90 days from your contract date and sold the property for over 100% of his purchase price. FHA waived the anti-flip policy on the issue of closing the loan but some of their anti-flip laws are still in place regarding documentation. It definitely slows the process down when this occurs. For that I personally apologize to you. Since I work primarily out in the field and Susan works in the office, the best way to reach me personally is on my cell phone. Please feel free to contact me on my cell at [protected]. Your satisfaction is very important to me. Jo Garner, Mortgage Loan Officer Evolve Bank and Trust.

With all of the bad comments here, I can see why they would use this bank name to launder funds.

I can't give the information online. feel free to call me

Troy

[protected]

My only complaint is that I have no complaints. I am a disabled veteran who did a cash-out and my loan was processed smoothly and efficiently.

I had very bad exp with Robert Anderson loan officer /manager the unprofessional the back and forth the no organization interest rates fluctuating him and his excuses not knowing if loan approved still asking for paper wk after giving pre approval letter telling me not to get a inspection because the banks FHA appraisal go over him with fine tooth only to find out home over valued in price street links referred out FHA appraisal that did comps wrong not only to house having mold issues plumbing issue mixing fixtures and home selling at full mkt value I was about to make a big mistake filed complaint with Georgia appraisal waiting on feedback very stressful exp for first time home buyer I had to do my own due diligence oh by the way mr Anderson referred realtor Tracy woods and it just seem like everyone was on board to beat me out of my funds accept me

Michael why are you complaining about going from an FHA loan to a Conventional Loan? You claim you are an A+++ borrower so why go FHA? FHA is for borrowers with lower credit scores and higher DTI (debt to income). FHA loans you have to pay upfront MIP and MIP over the life of the loan. So FHA wouldnt be a good loan in your case. Now for everyone else bad mouthing Evolve Bank & Trust, if you had a bad experience its becauseof the Loan Officer you dealt with not the bank. If you didnt like who you were dealing with then ask to work with someone else. The other half of people that are bashing evolve your probably people from another mortgage company. Go with Proficio someone said? If you want to wait 6 months to get your loan closed then go with them, if you want to make a purchase on a home good luck their loan officers are so incompetent that they wont tell you not to open up new credit during the loan process. I had a friend that did a purchase loan thru them and he co signed on a car for his wife during the process it shot his dti's up and he had to be switched to FHA. I would recommend Evolve Bank and Trust for any of your mortgage needs they got my refinance done in 3 weeks because whatever they asked for i got it to them same day. If you argue or fight what is needed of course its gonna take a long time to get your loan done. If you fight or ask why they need certain documents they will explain to you why its needed they dont ask for things just to ask for it and no your idenity will not be stolen otherwise the bank is dealing with compliance issues.

I contacted the better business bureau today because I thought Evolve Bank and Trust was a scam. I asked for an estimated loan payment. After I received it, I told the representative his company was in the running. I was waiting to hear from the other banks. The "consultant" actually asked me to provide my SSN... OVER EMAIL! When I told him that was absolutely ridiculous, he told me to "Take me off your list. I can already tell I don't want to work with you." I've never encountered such unprofessionalism from any bank representative. When I told him I would speak with his supervision about this, he sent back an email and told me he owns the office! I told him he answered to someone. That "someone" turns out to be all of you who read this. Without customers, no bank can succeed. I am completely fed up with all establisments who make money off of me and then treat me poorly! I'm very glad they never got a dime from me... and they never will!

i am still in process with this bank and they are taking for ever i have been with them 45 days and they keep asking for more papers they never answer the phone . i just don't wont to start all over . aim in grand rapids mi should i just go to some body ales.

I agree, RUN as fast as you can from evolve bank. I am out 500 dollars because they told us we were a shoe-in for the loan, good credit score and income. Said to hurry and get the appraiser out here so we could get the process moving. After doing just that, suddenly we didn't hear from them for 2 weeks. When I finally called to see what was up, they said a problem on our credit from almost 7 years ago showed up and they couldn't give us the loan, although, amazingly could give us an FHA for more money. When I asked about the 500 he said it was non refundable but would have been if they had done the verification of mortgage prior to the appraisal. Umm, why would you tell someone to hurry up with the appraisal and tell them the loan is a done deal before actually checking the things that will affect the loan? I feel I was duped and don't have 500 dollars to throw away. I urge anyone considering this bank to beware. The guy I worked with was so friendly and made me feel very comfortable. That changed when he left me a curt voice mail to let me know we were no longer a " shoe-in"

I did my mortgage loan with Dave Scully of Evolve Bank & Trust in Cincinnati Ohio. he thoroughly explained what where the best mortgage products for me & why. The process was seamless! Dave was always there coaching me through the process & regular updates on the status of my loan. No one could ask for more! We are very pleased!

I too had a bad experience with Evolve. Only reason we had to use them is because our credit union and bank both needed 45 days to get us to closing. We only had 30 days to work with. Evolve PROMISED they would get us funded in 30 days, no problem. Ended up that we could've gone with either the credit union or bank because our closing was closer to 45 days than 30. Paid WHOPPING closing fees. Got to closing and the paperwork was incorrect. We did not want our insurance and taxes rolled into our payments, but they were. Now we have been working for a month to get that corrected. Being told we have to wait until our mortgage is sold before it can be changed. If anyone tries to refer you to Evolve for any reason, run as fast as you can!

Too bad none of you had a good personal realtionship with your local bankers. all of this trouble could have been avoided. most people who use a good reliable bank, will also take advantage of good mortgage services. really... using lending tree to source a lender? how dumb is that? your pregnant girlfriend (gary bradford) has lived in that area a long time, she should have already had a great relationship w/her banker. it was probably your insecurities and paranoia that kept her from using a long time banking relationship to finance her home - the one you live in while evading child support payments for your first two children (owing over 46, 000.00 in back payments), and shamefully trying to take custody of the third child you fathered, while wating for your fourth child to come along. get a job! get a life! hey - maybe you should get a ged! home buying process is confusing for those who have never done it before... people like you gary!