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Toyota Financial Savings Bank

Bank•Henderson, NVHQ•Direct•Reviews near you on Google

Toyota Financial Savings Bank has 263 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Near-National · 3 mkts
Safe Rate Awards
Jumbo Superstar
Jumbo
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Nationwide availability with consistent service

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Report Card

Toyota Financial Savings Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+0.8 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume204
Mix77.6%
Spread
-0.005%Below
Fees
$820Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume58
Mix22.1%
Spread
+0.060%Above
Fees
$1,056Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume231
Mix87.8%
Spread
-0.002%Below
Fees
$831Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing
Exceptional
Pull Through
Sound
Volume32
Mix12.2%
Spread
+0.083%Above
Fees
$1,138Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
263
Applications
337
Volume
$169 million
Pricing & Closing
Avg Rate Spread
+0.008%
vs. market APOR
Avg Net Fees
$867
Origination − Credits
Pullthrough Rate
78.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$644,582
Avg Borrower Income
$704,183
Avg Property Value
$919,068

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
39
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

39
39 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast7
CTMANHNJNYRIVT
Midwest10
IAILINKSMIMNMONEOHWI
South13
ARFLGAKYMDMSNCOKSCTNTXVAWV
West9
AKAZCACOIDMTORUTWA

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cullowhee, NC, United States · CC0
Greensboro, NCMetro
Volume 29Mix 11.03% of portfolio
62/100
Strong
2© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 42Mix 15.97% of portfolio
58/100
Sound
3© John Picken; derivative by Georgfotoart · CC BY 2.0
Chicago, ILMetro
Volume 10Mix 3.80% of portfolio
41/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 56Mix 21.29% of portfolio
55/100
Sound
North Carolina
North Carolina
2
North CarolinaState
Volume 42Mix 15.97% of portfolio
54/100
Sound
California
California
3
CaliforniaState
Volume 20Mix 7.60% of portfolio
44/100
Sound
Arizona
Arizona
4
ArizonaState
Volume 12Mix 4.56% of portfolio
42/100
Sound
New Jersey
New Jersey
5
New JerseyState
Volume 11Mix 4.18% of portfolio
42/100
Sound
Illinois
Illinois
6
IllinoisState
Volume 10Mix 3.80% of portfolio
39/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.