# Territorial Savings Bank

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


> **📋 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


Territorial Savings Bank is a bank, headquartered in Honolulu, HI, with 92 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 53% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300UQKYO1TM87WD57
- **Headquarters:** Honolulu, HI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** HI
- **Markets (MSAs):** 1
- **Primary Channel:** mix
- **Direct Origination:** 64.7%
- **Brokered/Wholesale:** 35.3%

## Safe Rate Ratings

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

### Pull Through: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.339%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,857
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 92
- **Dollar Volume:** $52 million
- **Applications Received:** 119
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $570,326
- **Average Borrower Income:** $189,522
- **Average Property Value:** $931,630

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 45/100 | 87 | -0.352% | $5,946 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 69 loans, Score: 43/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 42/100 | 74 | $43M | -0.318% | Sound ☺️ |
| Refinance | 42/100 | 18 | $10M | -0.429% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| HI | 92 | 1.02% | 81/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Urban Honolulu, HI | HI | 85 | 82/100 |

## Where This Lender Ranks

Territorial Savings Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Urban Honolulu, HI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Urban Honolulu, HI for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#6** in Hawaii for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Urban Honolulu, HI Banks
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/banks)
- 🏆 **#8** in Hawaii for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#9** in Urban Honolulu, HI for Jumbo Loans
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/jumbo-loans)
- 🏆 **#11** in Hawaii Banks
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/banks)
- 🏆 **#13** in Hawaii for Jumbo Loans
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/jumbo-loans)
- 🏆 **#13** in Urban Honolulu, HI for Conventional Loans
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/conventional-loans)
- 🏆 **#17** in Hawaii for Conventional Loans
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Territorial Savings Bank offer?

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

### Where does Territorial Savings Bank offer mortgages?

Territorial Savings Bank offers mortgages in 1 states: HI.

### How competitive are Territorial Savings Bank's mortgage rates?

Territorial Savings Bank 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 0.339% below market average.

### What type of lender is Territorial Savings Bank?

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

### What is Territorial Savings Bank's loan approval success rate?

Territorial Savings Bank has a pull-through score of 47/100 (Sound). 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/territorial-savings-bank

### How to Cite

> "Territorial Savings Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/territorial-savings-bank

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