Toyota Financial Savings Bank Mortgage Lending & HMDA Data, 2012

In 2012, Toyota Financial Savings Bank of Henderson, NV reported 428 mortgage applications totaling $269.3 million, up 33% from 2011. The average application was for $629,250, and applicants reported an average income of $818,579. 61% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Las Vegas-Paradise, NV (23), Santa Ana-Anaheim-Irvine, CA (21) and Los Angeles-Long Beach-Glendale, CA (19) (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 428
Total Mortgage Loan Application Amount $269,319,000
Average Mortgage Loan Application Amount $629,250
Highest Mortgage Loan Application Amount $7,500,000
Average Applicant Income $818,579
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records Toyota Financial Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Clark, Nevada 23 $ 3,509,000 $ 152,565 $ 167,000
Orange, California 21 $ 16,436,000 $ 782,666 $ 810,000
Los Angeles, California 19 $ 14,271,000 $ 751,105 $ 2,018,000
San Diego, California 16 $ 18,792,000 $ 1,174,500 $ 766,000
Maricopa, Arizona 8 $ 2,425,000 $ 303,125 $ 225,000
Riverside, California 7 $ 10,422,000 $ 1,488,857 $ 6,053,000
Harris, Texas 7 $ 3,638,000 $ 519,714 $ 452,000
Palm Beach, Florida 6 $ 4,304,000 $ 717,333 $ 891,000
Johnson, Kansas 5 $ 10,647,000 $ 2,129,400 $ 501,000
Multnomah, Oregon 5 $ 4,635,000 $ 927,000 $ 1,462,000
Cameron, Texas 5 $ 621,000 $ 124,200 $ 51,000
King, Washington 5 $ 1,663,000 $ 332,600 $ 334,000
Alameda, California 4 $ 3,569,000 $ 892,250 $ 608,000
El Dorado, California 4 $ 2,090,000 $ 522,500 $ 485,000
San Bernardino, California 4 $ 1,481,000 $ 370,250 $ 537,000
Cook, Illinois 4 $ 778,000 $ 194,500 $ 206,000
Plymouth, Massachusetts 4 $ 2,410,000 $ 602,500 $ 1,256,000
St. Louis, Missouri 4 $ 805,000 $ 201,250 $ 132,000
Bucks, Pennsylvania 4 $ 3,979,000 $ 994,750 $ 828,000
Montgomery, Pennsylvania 4 $ 2,049,000 $ 512,250 $ 557,000
Sebastian, Arkansas 3 $ 150,000 $ 50,000 $ 1,730,000
Monterey, California 3 $ 7,405,000 $ 2,468,333 $ 2,137,000
Santa Clara, California 3 $ 1,204,000 $ 401,333 $ 522,000
Fairfield, Connecticut 3 $ 982,000 $ 327,333 $ 238,000
Sarasota, Florida 3 $ 2,514,000 $ 838,000 $ 1,683,000
Webster, Iowa 3 $ 653,000 $ 217,666 $ 89,000
Sedgwick, Kansas 3 $ 2,849,000 $ 949,666 $ 1,482,000
Genesee, Michigan 3 $ 1,347,000 $ 449,000 $ 567,000
Monmouth, New Jersey 3 $ 5,579,000 $ 1,859,666 $ 1,699,000
Deschutes, Oregon 3 $ 1,122,000 $ 374,000 $ 922,000
Williamson, Tennessee 3 $ 782,000 $ 260,666 $ 276,000
Lubbock, Texas 3 $ 1,050,000 $ 350,000 $ 349,000
Fairfax, Virginia 3 $ 3,587,000 $ 1,195,666 $ 1,238,000
Pierce, Washington 3 $ 747,000 $ 249,000 $ 291,000
Contra Costa, California 2 $ 1,812,000 $ 906,000 $ 312,000
Fresno, California 2 $ 496,000 $ 248,000 $ 540,000
San Luis Obispo, California 2 $ 2,238,000 $ 1,119,000 $ 1,137,000
Solano, California 2 $ 787,000 $ 393,500 $ 1,303,000
Sonoma, California 2 $ 702,000 $ 351,000 $ 238,000
Montrose, Colorado 2 $ 424,000 $ 212,000 $ 119,000
District of Columbia, District Of Columbia 2 $ 3,585,000 $ 1,792,500 $ 1,654,000
Collier, Florida 2 $ 2,073,000 $ 1,036,500 $ 912,000
Okaloosa, Florida 2 $ 835,000 $ 417,500 $ 1,110,000
Forsyth, Georgia 2 $ 240,000 $ 120,000 $ 306,000
Tazewell, Illinois 2 $ 352,000 $ 176,000 $ 148,000
Allen, Indiana 2 $ 1,812,000 $ 906,000 $ 397,000
Lafayette, Louisiana 2 $ 400,000 $ 200,000 $ 172,000
St. Tammany, Louisiana 2 $ 1,362,000 $ 681,000 $ 748,000
Harford, Maryland 2 $ 1,750,000 $ 875,000 $ 1,205,000
Howard, Maryland 2 $ 1,442,000 $ 721,000 $ 404,000
Nantucket, Massachusetts 2 $ 2,240,000 $ 1,120,000 $ 1,091,000
Livingston, Michigan 2 $ 250,000 $ 125,000 $ 105,000
Oakland, Michigan 2 $ 1,085,000 $ 542,500 $ 340,000
Cape May, New Jersey 2 $ 1,350,000 $ 675,000 $ 468,000
Richmond, New York 2 $ 1,144,000 $ 572,000 $ 320,000
Suffolk, New York 2 $ 1,630,000 $ 815,000 $ 1,743,000
Franklin, Ohio 2 $ 345,000 $ 172,500 $ 369,000
Josephine, Oregon 2 $ 834,000 $ 417,000 $ 359,000
Davidson, Tennessee 2 $ 412,000 $ 206,000 $ 1,756,000
Putnam, Tennessee 2 $ 990,000 $ 495,000 $ 119,000
Collin, Texas 2 $ 1,134,000 $ 567,000 $ 455,000
Dallas, Texas 2 $ 952,000 $ 476,000 $ 234,000
Fort Bend, Texas 2 $ 391,000 $ 195,500 $ 131,000
Llano, Texas 2 $ 1,144,000 $ 572,000 $ 944,000
Washington, Texas 2 $ 833,000 $ 416,500 $ 153,000
Salt Lake, Utah 2 $ 970,000 $ 485,000 $ 534,000
Washington, Utah 2 $ 620,000 $ 310,000 $ 263,000
Montgomery, Virginia 2 $ 622,000 $ 311,000 $ 245,000
Jefferson, Alabama 1 $ 398,000 $ 398,000 $ 120,000
Tallapoosa, Alabama 1 $ 1,472,000 $ 1,472,000 $ 3,336,000
Coconino, Arizona 1 $ 277,000 $ 277,000 $ 255,000
Mohave, Arizona 1 $ 97,000 $ 97,000 $ 498,000
Navajo, Arizona 1 $ 437,000 $ 437,000 $ 306,000
Pulaski, Arkansas 1 $ 475,000 $ 475,000 $ 195,000
Imperial, California 1 $ 140,000 $ 140,000 $ 1,298,000
Inyo, California 1 $ 189,000 $ 189,000 $ 193,000
Marin, California 1 $ 626,000 $ 626,000 $ 192,000
Napa, California 1 $ 1,360,000 $ 1,360,000 $ 451,000
Sacramento, California 1 $ 377,000 $ 377,000 $ 582,000
San Francisco, California 1 $ 626,000 $ 626,000 $ 1,237,000
San Joaquin, California 1 $ 478,000 $ 478,000 $ 311,000
Stanislaus, California 1 $ 690,000 $ 690,000 $ 1,576,000
Ventura, California 1 $ 366,000 $ 366,000 $ 295,000
Boulder, Colorado 1 $ 406,000 $ 406,000 $ 110,000
Broomfield, Colorado 1 $ 720,000 $ 720,000 $ 566,000
El Paso, Colorado 1 $ 416,000 $ 416,000 $ 150,000
Summit, Colorado 1 $ 1,306,000 $ 1,306,000 $ 468,000
Broward, Florida 1 $ 116,000 $ 116,000 $ 299,000
Duval, Florida 1 $ 417,000 $ 417,000 $ 275,000
Indian River, Florida 1 $ 132,000 $ 132,000 $ 254,000
Martin, Florida 1 $ 161,000 $ 161,000 $ 98,000
Miami-Dade, Florida 1 $ 675,000 $ 675,000 $ 3,075,000
Bibb, Georgia 1 $ 201,000 $ 201,000 $ 541,000
Cobb, Georgia 1 $ 290,000 $ 290,000 $ 272,000
Columbia, Georgia 1 $ 760,000 $ 760,000 $ 400,000
Fulton, Georgia 1 $ 405,000 $ 405,000 $ 228,000
Gwinnett, Georgia 1 $ 164,000 $ 164,000 $ 66,000
Hawaii, Hawaii 1 $ 1,793,000 $ 1,793,000 $ 4,104,000
Bonneville, Idaho 1 $ 280,000 $ 280,000 $ 185,000
Kootenai, Idaho 1 $ 1,140,000 $ 1,140,000 $ 2,027,000
Lemhi, Idaho 1 $ 360,000 $ 360,000 $ 185,000
Nez Perce, Idaho 1 $ 166,000 $ 166,000 $ 654,000
Adams, Illinois 1 $ 344,000 $ 344,000 $ 160,000
DuPage, Illinois 1 $ 400,000 $ 400,000 $ 119,000
McHenry, Illinois 1 $ 182,000 $ 182,000 $ 249,000
Story, Iowa 1 $ 228,000 $ 228,000 $ 1,291,000
Finney, Kansas 1 $ 192,000 $ 192,000 $ 74,000
Montgomery, Kansas 1 $ 129,000 $ 129,000 $ 216,000
Calcasieu, Louisiana 1 $ 120,000 $ 120,000 $ 78,000
East Baton Rouge, Louisiana 1 $ 100,000 $ 100,000 $ 1,141,000
Orleans, Louisiana 1 $ 272,000 $ 272,000 $ 931,000
St. Mary, Louisiana 1 $ 165,000 $ 165,000 $ 174,000
Baltimore, Maryland 1 $ 626,000 $ 626,000 $ 509,000
Calvert, Maryland 1 $ 441,000 $ 441,000 $ 1,223,000
Carroll, Maryland 1 $ 220,000 $ 220,000 $ 504,000
Montgomery, Maryland 1 $ 287,000 $ 287,000 $ 216,000
Worcester, Maryland 1 $ 341,000 $ 341,000 $ 1,223,000
Barnstable, Massachusetts 1 $ 196,000 $ 196,000 $ 299,000
Berkshire, Massachusetts 1 $ 375,000 $ 375,000 $ 360,000
Norfolk, Massachusetts 1 $ 536,000 $ 536,000 $ 299,000
Berrien, Michigan 1 $ 600,000 $ 600,000 $ 1,349,000
Eaton, Michigan 1 $ 82,000 $ 82,000 $ 78,000
Ottawa, Michigan 1 $ 734,000 $ 734,000 $ 442,000
Washtenaw, Michigan 1 $ 297,000 $ 297,000 $ 268,000
Wayne, Michigan 1 $ 228,000 $ 228,000 $ 109,000
Hennepin, Minnesota 1 $ 348,000 $ 348,000 $ 240,000
Hubbard, Minnesota 1 $ 1,800,000 $ 1,800,000 $ 9,999,000
Jackson, Missouri 1 $ 400,000 $ 400,000 $ 1,707,000
Rockingham, New Hampshire 1 $ 95,000 $ 95,000 $ 124,000
Atlantic, New Jersey 1 $ 270,000 $ 270,000 $ 916,000
Bergen, New Jersey 1 $ 330,000 $ 330,000 $ 255,000
Burlington, New Jersey 1 $ 996,000 $ 996,000 $ 476,000
Hudson, New Jersey 1 $ 340,000 $ 340,000 $ 274,000
Ocean, New Jersey 1 $ 287,000 $ 287,000 $ 258,000
Erie, New York 1 $ 417,000 $ 417,000 $ 469,000
Nassau, New York 1 $ 1,650,000 $ 1,650,000 $ 1,944,000
Cabarrus, North Carolina 1 $ 546,000 $ 546,000 $ 1,500,000
Currituck, North Carolina 1 $ 687,000 $ 687,000 $ 348,000
Orange, North Carolina 1 $ 163,000 $ 163,000 $ 46,000
Wilson, North Carolina 1 $ 80,000 $ 80,000 $ 234,000
Marion, Ohio 1 $ 174,000 $ 174,000 $ 240,000
Portage, Ohio 1 $ 1,110,000 $ 1,110,000 $ 1,075,000
Stark, Ohio 1 $ 955,000 $ 955,000 $ 567,000
Trumbull, Ohio 1 $ 308,000 $ 308,000 $ 154,000
Douglas, Oregon 1 $ 650,000 $ 650,000 $ 192,000
Lincoln, Oregon 1 $ 175,000 $ 175,000 $ 214,000
Washington, Oregon 1 $ 825,000 $ 825,000 $ 409,000
Allegheny, Pennsylvania 1 $ 175,000 $ 175,000 $ 90,000
Delaware, Pennsylvania 1 $ 880,000 $ 880,000 $ 683,000
Lawrence, Pennsylvania 1 $ 417,000 $ 417,000 $ 320,000
Washington, Rhode Island 1 $ 426,000 $ 426,000 $ 235,000
Berkeley, South Carolina 1 $ 1,092,000 $ 1,092,000 $ 870,000
Brown, South Dakota 1 $ 400,000 $ 400,000 $ 139,000
Knox, Tennessee 1 $ 417,000 $ 417,000 $ 361,000
Marshall, Tennessee 1 $ 380,000 $ 380,000 $ 142,000
Rutherford, Tennessee 1 $ 170,000 $ 170,000 $ 592,000
Shelby, Tennessee 1 $ 390,000 $ 390,000 $ 285,000
Washington, Tennessee 1 $ 417,000 $ 417,000 $ 224,000
Brazos, Texas 1 $ 148,000 $ 148,000 $ 72,000
Comal, Texas 1 $ 285,000 $ 285,000 $ 236,000
Denton, Texas 1 $ 294,000 $ 294,000 $ 1,031,000
Randall, Texas 1 $ 358,000 $ 358,000 $ 343,000
Tarrant, Texas 1 $ 385,000 $ 385,000 $ 500,000
Wise, Texas 1 $ 1,000,000 $ 1,000,000 $ 830,000
Davis, Utah 1 $ 765,000 $ 765,000 $ 732,000
Summit, Utah 1 $ 5,000,000 $ 5,000,000 $ 9,999,000
Utah, Utah 1 $ 600,000 $ 600,000 $ 1,883,000
Wasatch, Utah 1 $ 400,000 $ 400,000 $ 274,000
Alexandria, Virginia 1 $ 525,000 $ 525,000 $ 345,000
Caroline, Virginia 1 $ 3,820,000 $ 3,820,000 $ 4,422,000
Chesapeake, Virginia 1 $ 350,000 $ 350,000 $ 343,000
Chesterfield, Virginia 1 $ 319,000 $ 319,000 $ 741,000
Hanover, Virginia 1 $ 252,000 $ 252,000 $ 401,000
Harrisonburg, Virginia 1 $ 1,164,000 $ 1,164,000 $ 1,159,000
Henrico, Virginia 1 $ 102,000 $ 102,000 $ 401,000
Loudoun, Virginia 1 $ 325,000 $ 325,000 $ 332,000
Manassas Park, Virginia 1 $ 200,000 $ 200,000 $ 130,000
Prince William, Virginia 1 $ 448,000 $ 448,000 $ 350,000
Rockingham, Virginia 1 $ 395,000 $ 395,000 $ 100,000
Virginia Beach, Virginia 1 $ 415,000 $ 415,000 $ 239,000
Asotin, Washington 1 $ 412,000 $ 412,000 $ 308,000
Clark, Washington 1 $ 5,102,000 $ 5,102,000 $ 3,033,000
Snohomish, Washington 1 $ 313,000 $ 313,000 $ 1,396,000
Stevens, Washington 1 $ 248,000 $ 248,000 $ 183,000
Whatcom, Washington 1 $ 665,000 $ 665,000 $ 163,000
Washington, Wisconsin 1 $ 574,000 $ 574,000 $ 531,000
Sweetwater, Wyoming 1 $ 525,000 $ 525,000 $ 133,000

Mortgage Loan Application Detail Totals for Toyota Financial Savings Bank in 2012

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 276 $183,870,000 $666,000 $7,500,000 $851,000 $9,999,000
Home Purchase 138 $73,603,000 $533,000 $4,250,000 $677,000 $6,428,000
Home Improvement 14 $11,846,000 $846,000 $5,500,000 $1,575,000 $6,190,000

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 317 $214,850,000 $677,000 $7,500,000 $851,000 $9,999,000
Not Provided 77 $40,823,000 $530,000 $5,102,000 $747,000 $6,428,000
Asian 16 $4,778,000 $298,000 $912,000 $427,000 $1,638,000
Hispanic 13 $5,256,000 $404,000 $1,800,000 $898,000 $9,999,000
Black or African American 4 $3,257,000 $814,000 $1,200,000 $1,066,000 $1,728,000
Native Hawaiian or Other Pacific Islander 1 $355,000 $355,000 $355,000 $330,000 $330,000
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) 428 $269,319,000 $629,000 $7,500,000 $819,000 $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 261 $169,315,000 $648,000 $7,500,000 $800,000 $9,999,000
Application Denied By Financial Institution 71 $47,427,000 $667,000 $4,236,000 $1,115,000 $9,999,000
Preapproval Approved but not Accepted 27 $17,829,000 $660,000 $2,250,000 $651,000 $2,235,000
Application Withdrawn By Applicant 22 $18,114,000 $823,000 $5,500,000 $1,291,000 $9,999,000
Loan Purchased By The Institution 19 $2,275,000 $119,000 $320,000 $76,000 $565,000
Application Approved But Not Accepted 15 $6,790,000 $452,000 $1,400,000 $598,000 $2,999,000
Preapproval Denied by Financial Institution 13 $7,569,000 $582,000 $3,150,000 $464,000 $1,438,000
File Closed For Incompleteness 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 49 $36,816,000 $751,000 $4,236,000 $1,171,000 $9,999,000
Credit Application Incomplete 13 $8,416,000 $647,000 $3,150,000 $614,000 $1,500,000
Credit History 11 $4,907,000 $446,000 $1,723,000 $1,645,000 $7,800,000
Debt-To-Income Ratio 8 $3,878,000 $484,000 $1,360,000 $85,000 $194,000
Other 3 $979,000 $326,000 $412,000 $348,000 $586,000
Unverifiable Information 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 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 2012 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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