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Toyota Financial Savings Bank

BankHenderson, NVDirect to Consumer

Toyota Financial Savings Bank has 263 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Exceptional
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
Conventional · Jumbo
Place
Sound
Near-National · 3 mkts
Safe Rate AwardsConventional SuperstarJumbo SuperstarPurchase Superstar

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Safe Rate's 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

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Market Leader
+0.8 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
Jumbo
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Near-National4 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Sound
Exceptional
Sound
20477.6%
-0.005%Below
$820Fees
Jumbo Loans
Strong
Strong
Exceptional
Strong
5822.1%
+0.060%Above
$1,056Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Strong
Sound
Exceptional
Sound
23187.8%
-0.002%Below
$831Fees
Refinance
Sound
Acceptable
Exceptional
Sound
3212.2%
+0.083%Above
$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
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%of portfolio
Place
Strong
2
Dallas, TXMSA
Volume: 42Mix: 15.97%of portfolio
Place
Sound
3
Chicago, ILMSA
Volume: 10Mix: 3.80%of portfolio
Place
Sound

Top States by Place Specialization Score

1
TXState
Volume: 56Mix: 21.29%of portfolio
Place
Sound
2
NCState
Volume: 42Mix: 15.97%of portfolio
Place
Sound
3
CAState
Volume: 20Mix: 7.60%of portfolio
Place
Sound
4
AZState
Volume: 12Mix: 4.56%of portfolio
Place
Sound
5
NJState
Volume: 11Mix: 4.18%of portfolio
Place
Sound
6
ILState
Volume: 10Mix: 3.80%of portfolio
Place
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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.