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Toyota Financial Savings Bank
Bank|Henderson, NV|Near-National
Loans Originated
263
Applications
337
Volume
$169 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Jumbo Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.008%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$867
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
78.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Nationwide availability with consistent service
Report Card
Toyota Financial Savings Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Near-National · 4 metro areas · 39 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$644,582
Average Borrower Income
$704,183
Average Property Value
$919,068
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Sound | Exceptional | Sound | 204 | 77.6% | -0.005% | $820 |
Jumbo Loans | Strong | Strong | Exceptional | Strong | 58 | 22.1% | +0.060% | $1,056 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Sound | Exceptional | Sound | 231 | 87.8% | -0.002% | $831 |
Refinance | Sound | Acceptable | Exceptional | Sound | 32 | 12.2% | +0.083% | $1,138 |
Geographic Coverage
Metro Areas
3
States Served
39
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKARAZCACOCTFLGAIAIDILINKSKYMAMDMIMNMOMSMTNCNENHNJNYOHOKORRISCTNTXUTVAVTWAWIWV
Top Metro Areas by Place Specialization Score
1
Greensboro, NCMSA
Volume: 29Mix: 11.03%
Place Specialization
Strong
2
Dallas, TXMSA
Volume: 42Mix: 15.97%
Place Specialization
Sound
3
Chicago, ILMSA
Volume: 10Mix: 3.80%
Place Specialization
Sound
Top States by Place Specialization Score
1
TXState
Volume: 56Mix: 21.29%
Place Specialization
Sound
2
NCState
Volume: 42Mix: 15.97%
Place Specialization
Sound
3
CAState
Volume: 20Mix: 7.60%
Place Specialization
Sound
4
AZState
Volume: 12Mix: 4.56%
Place Specialization
Sound
5
NJState
Volume: 11Mix: 4.18%
Place Specialization
Sound
6
ILState
Volume: 10Mix: 3.80%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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