# American Savings Bank, FSB

> **Canonical URL:** https://saferate.com/lenders/american-savings-bank-fsb


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


American Savings Bank, FSB is a bank, headquartered in Honolulu, HI, with 425 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 61% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 13% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300BES7HNVKCDIM50
- **Headquarters:** Honolulu, HI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** HI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 87/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** -0.030%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,530
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 425
- **Dollar Volume:** $273 million
- **Applications Received:** 545
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $642,929
- **Average Borrower Income:** $199,351
- **Average Property Value:** $969,871

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 368 | -0.022% | $3,539 | Strong 😀 |
| VA | 63/100 | 23 | -0.722% | $3,393 | Strong 😀 |
| Jumbo | 74/100 | 32 | +0.492% | $3,656 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 330 loans, Score: 69/100 (Strong)
- Refinance: 38 loans, Score: 55/100 (Sound)

**Jumbo:**
- Purchase: 30 loans, Score: 75/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 376 | $248M | -0.044% | Strong 😀 |
| Refinance | 59/100 | 49 | $25M | +0.062% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| HI | 425 | 4.69% | 100/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Urban Honolulu, HI | HI | 328 | 100/100 |
| Kahului | HI | 58 | 100/100 |
| Non |  | 39 | 40/100 |

## Where This Lender Ranks

American Savings Bank, FSB appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Hawaii for Conventional Loans
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Hawaii for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Urban Honolulu, HI for Conventional Loans
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Urban Honolulu, HI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Kahului for Conventional Loans
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Kahului for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Kahului for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Urban Honolulu, HI Banks
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/banks)
- 🥈 **#2** in Kahului Banks
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders/banks)
- 🥉 **#3** in Hawaii Banks
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/banks)
- 🥉 **#3** in Urban Honolulu, HI for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Kahului for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Hawaii for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Urban Honolulu, HI for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Kahului
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders)
- 🏆 **#6** in Hawaii for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#7** in Urban Honolulu, HI
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders)
- 🏆 **#7** in Urban Honolulu, HI for Jumbo Loans
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/jumbo-loans)
- 🏆 **#8** in Hawaii
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders)
- 🏆 **#10** in Hawaii for Jumbo Loans
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does American Savings Bank, FSB offer?

American Savings Bank, FSB offers the following mortgage loan types: Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does American Savings Bank, FSB offer mortgages?

American Savings Bank, FSB offers mortgages in 1 states: HI.

### How competitive are American Savings Bank, FSB's mortgage rates?

American Savings Bank, FSB has a pricing score of 39/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.030% below market average.

### What type of lender is American Savings Bank, FSB?

American Savings Bank, FSB is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Honolulu, HI.

### What is American Savings Bank, FSB's loan approval success rate?

American Savings Bank, FSB has a pull-through score of 87/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/american-savings-bank-fsb

### How to Cite

> "American Savings Bank, FSB Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/american-savings-bank-fsb

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