Joe Tester

Joe Tester

Joe Tester

Loan Officer

NMLS#: 1667594
Mobile: 731-394-7303
6070 Poplar Avenue
Suite 250
Memphis, TN 38119


Thank you for visiting my homepage. I look forward to assisting you with your home financing needs. Having worked in the Madison County TN area since 1996, I am excited to join Evolve Bank and Trust.  This bank has been helping borrowers for almost 90 years. We offer a wealth of experience to provide you with the best solutions, which are carefully matched to your own unique goals and needs. Being an FDIC insured bank allows us to maintain control throughout the entire lending process. Evolve offers a first class, VIP level experience. Our programs are only available to retail clients; not to third-party referral sources, such as mortgage brokers. This allows us to get to know our customers, ensuring that our turn times are among the fastest in the industry. In fact, we pride ourselves on being ready early – not waiting until the last possible moment. Our customers say we offer a truly “stress free” experience for purchasing or refinancing a home. We pride ourselves on common sense underwriting decisions that are both fair and flexible.

If you have any questions, you can always reach me (including weekends and evenings) by text, email or phone. I look forward to putting our team to work for you


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Evolve Bank & Trust Loan Production and Representative Offices are not full service branch locations of Evolve Bank & Trust. These offices do not engage in general banking transactions, such as deposits or payments, and only provide Residential Mortgage Loans. Equal Housing Lender. All loans subject to credit approval. Corporate NMLS# 509256

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