Toyota Financial Savings Bank Mortgage Lending & HMDA Data, 2009

In 2009, Toyota Financial Savings Bank of Henderson, NV reported 353 mortgage applications totaling $173.8 million, down 8% from 2008. The average application was for $492,314, and applicants reported an average income of $669,742. 64% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Santa Ana-Anaheim-Irvine, CA (18), Los Angeles-Long Beach-Glendale, CA (16) and Houston-Sugar Land-Baytown, TX (11) (applications in parentheses).

Mortgage Company & Address Toyota Financial Savings Bank
2485 Village View Drive, Suite 200
Henderson, NV 89074
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 353
Total Mortgage Loan Application Amount $173,787,000
Average Mortgage Loan Application Amount $492,314
Highest Mortgage Loan Application Amount $4,420,000
Average Applicant Income $669,742
Highest Applicant Income $9,999,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Toyota Financial Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Toyota Financial Savings Bank by County in 2009

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Orange, California 18 $ 13,800,000 $ 766,666 $ 542,000
Los Angeles, California 16 $ 7,786,000 $ 486,625 $ 576,000
Clark, Nevada 11 $ 2,706,000 $ 246,000 $ 950,000
San Diego, California 9 $ 4,646,000 $ 516,222 $ 549,000
Ventura, California 7 $ 3,805,000 $ 543,571 $ 1,571,000
Harris, Texas 7 $ 2,439,000 $ 348,428 $ 387,000
Maricopa, Arizona 6 $ 5,338,000 $ 889,666 $ 854,000
Lake, Illinois 6 $ 2,298,000 $ 383,000 $ 256,000
Carson City, Nevada 6 $ 727,000 $ 121,166 $ 267,000
King, Washington 6 $ 3,264,000 $ 544,000 $ 203,000
Riverside, California 4 $ 5,091,000 $ 1,272,750 $ 2,981,000
Santa Clara, California 4 $ 4,712,000 $ 1,178,000 $ 1,377,000
Fairfield, Connecticut 4 $ 1,934,000 $ 483,500 $ 347,000
St. Tammany, Louisiana 4 $ 2,028,000 $ 507,000 $ 1,505,000
Deschutes, Oregon 4 $ 2,117,000 $ 529,250 $ 1,454,000
Montgomery, Texas 4 $ 1,328,000 $ 332,000 $ 210,000
Salt Lake, Utah 4 $ 3,088,000 $ 772,000 $ 667,000
Contra Costa, California 3 $ 2,165,000 $ 721,666 $ 821,000
Marin, California 3 $ 3,210,000 $ 1,070,000 $ 1,881,000
San Luis Obispo, California 3 $ 2,105,000 $ 701,666 $ 358,000
Boulder, Colorado 3 $ 1,311,000 $ 437,000 $ 503,000
Pasco, Florida 3 $ 1,710,000 $ 570,000 $ 245,000
Cook, Illinois 3 $ 866,000 $ 288,666 $ 466,000
Barnstable, Massachusetts 3 $ 2,550,000 $ 850,000 $ 663,000
Douglas, Nebraska 3 $ 946,000 $ 315,333 $ 747,000
Dallas, Texas 3 $ 1,301,000 $ 433,666 $ 295,000
Tarrant, Texas 3 $ 1,838,000 $ 612,666 $ 588,000
Spokane, Washington 3 $ 754,000 $ 251,333 $ 586,000
Pima, Arizona 2 $ 696,000 $ 348,000 $ 381,000
Fresno, California 2 $ 971,000 $ 485,500 $ 344,000
San Francisco, California 2 $ 1,066,000 $ 533,000 $ 1,123,000
Larimer, Colorado 2 $ 574,000 $ 287,000 $ 960,000
Sussex, Delaware 2 $ 2,892,000 $ 1,446,000 $ 1,828,000
Palm Beach, Florida 2 $ 860,000 $ 430,000 $ 888,000
Pinellas, Florida 2 $ 500,000 $ 250,000 $ 245,000
Bonneville, Idaho 2 $ 666,000 $ 333,000 $ 0
Allen, Indiana 2 $ 653,000 $ 326,500 $ 208,000
Webster, Iowa 2 $ 480,000 $ 240,000 $ 746,000
Johnson, Kansas 2 $ 580,000 $ 290,000 $ 325,000
Warren, Kentucky 2 $ 833,000 $ 416,500 $ 1,863,000
Monroe, Michigan 2 $ 313,000 $ 156,500 $ 109,000
St. Louis, Missouri 2 $ 350,000 $ 175,000 $ 66,000
Hunterdon, New Jersey 2 $ 524,000 $ 262,000 $ 64,000
Eddy, New Mexico 2 $ 330,000 $ 165,000 $ 1,840,000
Butler, Ohio 2 $ 229,000 $ 114,500 $ 294,000
Franklin, Ohio 2 $ 513,000 $ 256,500 $ 154,000
Lane, Oregon 2 $ 776,000 $ 388,000 $ 445,000
Lincoln, Oregon 2 $ 544,000 $ 272,000 $ 322,000
Cameron, Texas 2 $ 438,000 $ 219,000 $ 439,000
Kendall, Texas 2 $ 2,249,000 $ 1,124,500 $ 49,000
Harrisonburg, Virginia 2 $ 516,000 $ 258,000 $ 130,000
Rockingham, Virginia 2 $ 715,000 $ 357,500 $ 103,000
Virginia Beach, Virginia 2 $ 2,226,000 $ 1,113,000 $ 2,889,000
Snohomish, Washington 2 $ 531,000 $ 265,500 $ 934,000
Autauga, Alabama 1 $ 192,000 $ 192,000 $ 138,000
Baldwin, Alabama 1 $ 1,485,000 $ 1,485,000 $ 1,548,000
Mobile, Alabama 1 $ 417,000 $ 417,000 $ 1,548,000
Montgomery, Alabama 1 $ 417,000 $ 417,000 $ 275,000
Tallapoosa, Alabama 1 $ 1,625,000 $ 1,625,000 $ 1,399,000
Cochise, Arizona 1 $ 187,000 $ 187,000 $ 179,000
Coconino, Arizona 1 $ 324,000 $ 324,000 $ 188,000
Calaveras, California 1 $ 573,000 $ 573,000 $ 337,000
El Dorado, California 1 $ 491,000 $ 491,000 $ 129,000
Placer, California 1 $ 264,000 $ 264,000 $ 89,000
San Bernardino, California 1 $ 435,000 $ 435,000 $ 558,000
Solano, California 1 $ 273,000 $ 273,000 $ 690,000
Sonoma, California 1 $ 730,000 $ 730,000 $ 259,000
Broomfield, Colorado 1 $ 393,000 $ 393,000 $ 341,000
Denver, Colorado 1 $ 330,000 $ 330,000 $ 1,069,000
El Paso, Colorado 1 $ 210,000 $ 210,000 $ 1,296,000
Jefferson, Colorado 1 $ 129,000 $ 129,000 $ 83,000
Montrose, Colorado 1 $ 306,000 $ 306,000 $ 186,000
New London, Connecticut 1 $ 465,000 $ 465,000 $ 643,000
Collier, Florida 1 $ 1,980,000 $ 1,980,000 $ 1,191,000
Miami-Dade, Florida 1 $ 478,000 $ 478,000 $ 411,000
Monroe, Florida 1 $ 1,463,000 $ 1,463,000 $ 500,000
Sarasota, Florida 1 $ 318,000 $ 318,000 $ 1,101,000
Walton, Florida 1 $ 350,000 $ 350,000 $ 343,000
DeKalb, Georgia 1 $ 423,000 $ 423,000 $ 240,000
Glynn, Georgia 1 $ 515,000 $ 515,000 $ 783,000
Kootenai, Idaho 1 $ 1,600,000 $ 1,600,000 $ 4,044,000
Nez Perce, Idaho 1 $ 217,000 $ 217,000 $ 142,000
Effingham, Illinois 1 $ 160,000 $ 160,000 $ 90,000
Williamson, Illinois 1 $ 190,000 $ 190,000 $ 307,000
St. Joseph, Indiana 1 $ 273,000 $ 273,000 $ 13,000
Livingston, Kentucky 1 $ 100,000 $ 100,000 $ 483,000
Jefferson, Louisiana 1 $ 1,000,000 $ 1,000,000 $ 2,416,000
Orleans, Louisiana 1 $ 298,000 $ 298,000 $ 488,000
Cumberland, Maine 1 $ 417,000 $ 417,000 $ 1,149,000
Anne Arundel, Maryland 1 $ 436,000 $ 436,000 $ 102,000
Calvert, Maryland 1 $ 600,000 $ 600,000 $ 245,000
Harford, Maryland 1 $ 730,000 $ 730,000 $ 1,489,000
Howard, Maryland 1 $ 560,000 $ 560,000 $ 173,000
St. Mary's, Maryland 1 $ 730,000 $ 730,000 $ 276,000
Chippewa, Michigan 1 $ 242,000 $ 242,000 $ 229,000
Oakland, Michigan 1 $ 180,000 $ 180,000 $ 326,000
Carbon, Montana 1 $ 417,000 $ 417,000 $ 2,140,000
Lancaster, Nebraska 1 $ 224,000 $ 224,000 $ 198,000
Elko, Nevada 1 $ 149,000 $ 149,000 $ 110,000
Cheshire, New Hampshire 1 $ 255,000 $ 255,000 $ 659,000
Cape May, New Jersey 1 $ 280,000 $ 280,000 $ 439,000
Monmouth, New Jersey 1 $ 616,000 $ 616,000 $ 244,000
Morris, New Jersey 1 $ 416,000 $ 416,000 $ 9,999,000
Ocean, New Jersey 1 $ 336,000 $ 336,000 $ 888,000
Somerset, New Jersey 1 $ 300,000 $ 300,000 $ 132,000
Chaves, New Mexico 1 $ 259,000 $ 259,000 $ 79,000
Jefferson, New York 1 $ 125,000 $ 125,000 $ 44,000
Monroe, New York 1 $ 323,000 $ 323,000 $ 582,000
Nassau, New York 1 $ 337,000 $ 337,000 $ 708,000
Rockland, New York 1 $ 9,000 $ 9,000 $ 186,000
Durham, North Carolina 1 $ 175,000 $ 175,000 $ 560,000
Guilford, North Carolina 1 $ 135,000 $ 135,000 $ 118,000
New Hanover, North Carolina 1 $ 328,000 $ 328,000 $ 411,000
Cuyahoga, Ohio 1 $ 224,000 $ 224,000 $ 178,000
Hamilton, Ohio 1 $ 433,000 $ 433,000 $ 338,000
Marion, Ohio 1 $ 212,000 $ 212,000 $ 257,000
Montgomery, Ohio 1 $ 417,000 $ 417,000 $ 783,000
Portage, Ohio 1 $ 190,000 $ 190,000 $ 159,000
Oklahoma, Oklahoma 1 $ 172,000 $ 172,000 $ 182,000
Clatsop, Oregon 1 $ 417,000 $ 417,000 $ 3,831,000
Josephine, Oregon 1 $ 245,000 $ 245,000 $ 437,000
Marion, Oregon 1 $ 417,000 $ 417,000 $ 540,000
Multnomah, Oregon 1 $ 392,000 $ 392,000 $ 499,000
Polk, Oregon 1 $ 126,000 $ 126,000 $ 586,000
Bucks, Pennsylvania 1 $ 260,000 $ 260,000 $ 439,000
Chester, Pennsylvania 1 $ 253,000 $ 253,000 $ 341,000
Lackawanna, Pennsylvania 1 $ 680,000 $ 680,000 $ 476,000
Montgomery, Pennsylvania 1 $ 104,000 $ 104,000 $ 238,000
Northampton, Pennsylvania 1 $ 259,000 $ 259,000 $ 2,101,000
Newport, Rhode Island 1 $ 400,000 $ 400,000 $ 0
Providence, Rhode Island 1 $ 215,000 $ 215,000 $ 101,000
Washington, Rhode Island 1 $ 541,000 $ 541,000 $ 0
Beaufort, South Carolina 1 $ 390,000 $ 390,000 $ 877,000
Brown, South Dakota 1 $ 380,000 $ 380,000 $ 0
Knox, Tennessee 1 $ 359,000 $ 359,000 $ 215,000
Sumner, Tennessee 1 $ 232,000 $ 232,000 $ 106,000
Washington, Tennessee 1 $ 200,000 $ 200,000 $ 52,000
Williamson, Tennessee 1 $ 180,000 $ 180,000 $ 410,000
Brazos, Texas 1 $ 744,000 $ 744,000 $ 198,000
Randall, Texas 1 $ 396,000 $ 396,000 $ 481,000
San Augustine, Texas 1 $ 100,000 $ 100,000 $ 122,000
Travis, Texas 1 $ 229,000 $ 229,000 $ 245,000
Washington, Texas 1 $ 342,000 $ 342,000 $ 840,000
Washington, Utah 1 $ 730,000 $ 730,000 $ 258,000
Chesterfield, Virginia 1 $ 317,000 $ 317,000 $ 168,000
Fauquier, Virginia 1 $ 335,000 $ 335,000 $ 147,000
Prince William, Virginia 1 $ 290,000 $ 290,000 $ 126,000
Clallam, Washington 1 $ 357,000 $ 357,000 $ 1,024,000
Clark, Washington 1 $ 278,000 $ 278,000 $ 175,000
Grant, Washington 1 $ 445,000 $ 445,000 $ 1,482,000
Grays Harbor, Washington 1 $ 320,000 $ 320,000 $ 0
Jefferson, Washington 1 $ 563,000 $ 563,000 $ 458,000
Kittitas, Washington 1 $ 840,000 $ 840,000 $ 229,000
Pierce, Washington 1 $ 437,000 $ 437,000 $ 1,086,000
Green, Wisconsin 1 $ 183,000 $ 183,000 $ 243,000
Natrona, Wyoming 1 $ 200,000 $ 200,000 $ 710,000

Mortgage Loan Application Detail Totals for Toyota Financial Savings Bank in 2009

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 238 $121,358,000 $509,000 $4,420,000 $671,000 $9,999,000
Home Purchase 114 $51,886,000 $455,000 $3,000,000 $650,000 $5,422,000
Home Improvement 1 $543,000 $543,000 $543,000 $2,621,000 $2,621,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 215 $101,777,000 $473,000 $3,274,000 $607,000 $4,565,000
Not Provided 119 $63,185,000 $530,000 $4,420,000 $824,000 $9,999,000
Asian 10 $3,404,000 $340,000 $780,000 $161,000 $386,000
Black or African American 5 $4,660,000 $932,000 $2,887,000 $1,096,000 $2,458,000
Hispanic 3 $638,000 $212,000 $333,000 $91,000 $184,000
Native Hawaiian or Other Pacific Islander 1 $123,000 $123,000 $123,000 $511,000 $511,000
Not applicable 0 $0 $0 $0 $0 $0
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 353 $173,787,000 $492,000 $4,420,000 $670,000 $9,999,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 226 $109,408,000 $484,000 $4,420,000 $759,000 $9,999,000
Application Denied By Financial Institution 60 $29,409,000 $490,000 $2,970,000 $437,000 $1,976,000
Application Approved But Not Accepted 26 $11,899,000 $457,000 $1,360,000 $751,000 $5,422,000
Preapproval Approved but not Accepted 20 $13,282,000 $664,000 $3,000,000 $430,000 $2,253,000
Application Withdrawn By Applicant 19 $9,224,000 $485,000 $1,162,000 $543,000 $2,416,000
File Closed For Incompleteness 1 $400,000 $400,000 $400,000 $0 $0
Preapproval Denied by Financial Institution 1 $165,000 $165,000 $165,000 $326,000 $326,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Collateral 41 $20,039,000 $488,000 $2,970,000 $479,000 $1,554,000
Credit History 9 $3,200,000 $355,000 $562,000 $85,000 $195,000
Debt-To-Income Ratio 4 $1,685,000 $421,000 $735,000 $298,000 $451,000
Other 3 $2,130,000 $710,000 $1,089,000 $728,000 $1,735,000
Unverifiable Information 2 $1,613,000 $806,000 $1,500,000 $988,000 $1,976,000
Insufficient Cash (Downpayment, Closing Cost) 1 $727,000 $727,000 $727,000 $0 $0
Credit Application Incomplete 1 $180,000 $180,000 $180,000 $802,000 $802,000
Employment History 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Toyota Financial Savings Bank's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Toyota Financial Savings Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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