Toyota Financial Savings Bank Mortgage Lending & HMDA Data, 2013

In 2013, Toyota Financial Savings Bank of Henderson, NV reported 425 mortgage applications totaling $361.8 million, down 1% from 2012. The average application was for $851,211, and applicants reported an average income of $907,167. 64% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Las Vegas-Paradise, NV (30), Santa Ana-Anaheim-Irvine, CA (19) and San Diego-Carlsbad-San Marcos, CA (18) (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 425
Total Mortgage Loan Application Amount $361,765,000
Average Mortgage Loan Application Amount $851,211
Highest Mortgage Loan Application Amount $7,500,000
Average Applicant Income $907,167
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records Toyota Financial Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Clark, Nevada 30 $ 5,671,000 $ 189,033 $ 165,000
Orange, California 19 $ 31,600,000 $ 1,663,157 $ 1,495,000
San Diego, California 18 $ 24,949,000 $ 1,386,055 $ 1,050,000
Los Angeles, California 16 $ 25,992,000 $ 1,624,500 $ 786,000
Maricopa, Arizona 11 $ 7,120,000 $ 647,272 $ 874,000
Riverside, California 10 $ 11,537,000 $ 1,153,700 $ 1,836,000
Collier, Florida 9 $ 10,132,000 $ 1,125,777 $ 1,719,000
Fairfax, Virginia 7 $ 10,854,000 $ 1,550,571 $ 2,005,000
San Joaquin, California 6 $ 1,055,000 $ 175,833 $ 950,000
Montgomery, Maryland 6 $ 6,229,000 $ 1,038,166 $ 740,000
Montgomery, Pennsylvania 6 $ 2,941,000 $ 490,166 $ 430,000
Ventura, California 5 $ 1,205,000 $ 241,000 $ 479,000
Ada, Idaho 5 $ 3,147,000 $ 629,400 $ 250,000
Baltimore, Maryland 5 $ 2,440,000 $ 488,000 $ 413,000
Arlington, Virginia 5 $ 4,042,000 $ 808,400 $ 1,105,000
Mohave, Arizona 4 $ 1,660,000 $ 415,000 $ 541,000
Marin, California 4 $ 3,179,000 $ 794,750 $ 904,000
San Mateo, California 4 $ 11,208,000 $ 2,802,000 $ 1,044,000
Bergen, New Jersey 4 $ 1,900,000 $ 475,000 $ 283,000
Richmond, New York 4 $ 2,518,000 $ 629,500 $ 1,028,000
Dallas, Texas 4 $ 2,424,000 $ 606,000 $ 360,000
King, Washington 4 $ 2,280,000 $ 570,000 $ 5,289,000
Montgomery, Alabama 3 $ 1,079,000 $ 359,666 $ 489,000
Sacramento, California 3 $ 1,110,000 $ 370,000 $ 495,000
San Bernardino, California 3 $ 2,588,000 $ 862,666 $ 1,032,000
San Francisco, California 3 $ 6,300,000 $ 2,100,000 $ 805,000
San Luis Obispo, California 3 $ 1,570,000 $ 523,333 $ 976,000
Santa Barbara, California 3 $ 3,556,000 $ 1,185,333 $ 975,000
Santa Clara, California 3 $ 6,128,000 $ 2,042,666 $ 947,000
Solano, California 3 $ 4,330,000 $ 1,443,333 $ 740,000
Fairfield, Connecticut 3 $ 939,000 $ 313,000 $ 254,000
Sussex, Delaware 3 $ 3,077,000 $ 1,025,666 $ 1,613,000
Ocean, New Jersey 3 $ 1,208,000 $ 402,666 $ 510,000
New York, New York 3 $ 5,117,000 $ 1,705,666 $ 718,000
Trumbull, Ohio 3 $ 1,053,000 $ 351,000 $ 145,000
Multnomah, Oregon 3 $ 4,800,000 $ 1,600,000 $ 1,947,000
Chester, Pennsylvania 3 $ 945,000 $ 315,000 $ 181,000
Harris, Texas 3 $ 1,310,000 $ 436,666 $ 300,000
Tarrant, Texas 3 $ 3,122,000 $ 1,040,666 $ 672,000
Travis, Texas 3 $ 2,392,000 $ 797,333 $ 885,000
Washington, Utah 3 $ 3,090,000 $ 1,030,000 $ 411,000
Pima, Arizona 2 $ 1,117,000 $ 558,500 $ 459,000
Pulaski, Arkansas 2 $ 1,974,000 $ 987,000 $ 1,107,000
Sebastian, Arkansas 2 $ 316,000 $ 158,000 $ 1,793,000
Alameda, California 2 $ 2,543,000 $ 1,271,500 $ 1,404,000
El Dorado, California 2 $ 827,000 $ 413,500 $ 201,000
Fresno, California 2 $ 384,000 $ 192,000 $ 525,000
Monterey, California 2 $ 4,500,000 $ 2,250,000 $ 1,643,000
Santa Cruz, California 2 $ 2,171,000 $ 1,085,500 $ 1,329,000
Tulare, California 2 $ 1,202,000 $ 601,000 $ 236,000
Denver, Colorado 2 $ 274,000 $ 137,000 $ 52,000
Douglas, Colorado 2 $ 1,416,000 $ 708,000 $ 201,000
El Paso, Colorado 2 $ 1,168,000 $ 584,000 $ 962,000
Pitkin, Colorado 2 $ 3,963,000 $ 1,981,500 $ 6,228,000
Broward, Florida 2 $ 1,270,000 $ 635,000 $ 4,098,000
Pinellas, Florida 2 $ 431,000 $ 215,500 $ 526,000
Sarasota, Florida 2 $ 949,000 $ 474,500 $ 635,000
Forsyth, Georgia 2 $ 633,000 $ 316,500 $ 201,000
Hawaii, Hawaii 2 $ 2,376,000 $ 1,188,000 $ 1,068,000
Cook, Illinois 2 $ 3,208,000 $ 1,604,000 $ 2,148,000
Allen, Indiana 2 $ 1,817,000 $ 908,500 $ 511,000
Calhoun, Michigan 2 $ 1,250,000 $ 625,000 $ 588,000
Cheboygan, Michigan 2 $ 1,014,000 $ 507,000 $ 683,000
Rockingham, New Hampshire 2 $ 434,000 $ 217,000 $ 76,000
Hudson, New Jersey 2 $ 635,000 $ 317,500 $ 209,000
Suffolk, New York 2 $ 5,660,000 $ 2,830,000 $ 5,797,000
Wake, North Carolina 2 $ 7,330,000 $ 3,665,000 $ 1,808,000
Lorain, Ohio 2 $ 1,300,000 $ 650,000 $ 88,000
Oklahoma, Oklahoma 2 $ 874,000 $ 437,000 $ 274,000
Deschutes, Oregon 2 $ 885,000 $ 442,500 $ 1,255,000
Lane, Oregon 2 $ 994,000 $ 497,000 $ 532,000
Bucks, Pennsylvania 2 $ 536,000 $ 268,000 $ 212,000
Knox, Tennessee 2 $ 395,000 $ 197,500 $ 577,000
Williamson, Tennessee 2 $ 599,000 $ 299,500 $ 98,000
Bexar, Texas 2 $ 3,104,000 $ 1,552,000 $ 828,000
Fort Bend, Texas 2 $ 642,000 $ 321,000 $ 479,000
Rockwall, Texas 2 $ 1,182,000 $ 591,000 $ 521,000
Montgomery, Virginia 2 $ 400,000 $ 200,000 $ 76,000
Snohomish, Washington 2 $ 3,010,000 $ 1,505,000 $ 727,000
Mobile, Alabama 1 $ 209,000 $ 209,000 $ 63,000
Yavapai, Arizona 1 $ 2,950,000 $ 2,950,000 $ 2,399,000
Calaveras, California 1 $ 812,000 $ 812,000 $ 660,000
Contra Costa, California 1 $ 1,320,000 $ 1,320,000 $ 525,000
Mendocino, California 1 $ 980,000 $ 980,000 $ 617,000
Placer, California 1 $ 2,546,000 $ 2,546,000 $ 4,600,000
Stanislaus, California 1 $ 448,000 $ 448,000 $ 202,000
Sutter, California 1 $ 297,000 $ 297,000 $ 480,000
Adams, Colorado 1 $ 492,000 $ 492,000 $ 1,241,000
Delta, Colorado 1 $ 115,000 $ 115,000 $ 142,000
Larimer, Colorado 1 $ 254,000 $ 254,000 $ 809,000
New Castle, Delaware 1 $ 2,456,000 $ 2,456,000 $ 2,809,000
Hillsborough, Florida 1 $ 466,000 $ 466,000 $ 293,000
Lee, Florida 1 $ 234,000 $ 234,000 $ 238,000
Miami-Dade, Florida 1 $ 460,000 $ 460,000 $ 1,969,000
Fulton, Georgia 1 $ 468,000 $ 468,000 $ 274,000
Gwinnett, Georgia 1 $ 167,000 $ 167,000 $ 66,000
DuPage, Illinois 1 $ 219,000 $ 219,000 $ 118,000
Lake, Illinois 1 $ 660,000 $ 660,000 $ 258,000
Delaware, Indiana 1 $ 268,000 $ 268,000 $ 128,000
Lake, Indiana 1 $ 417,000 $ 417,000 $ 360,000
Sedgwick, Kansas 1 $ 40,000 $ 40,000 $ 120,000
Oxford, Maine 1 $ 380,000 $ 380,000 $ 602,000
Charles, Maryland 1 $ 282,000 $ 282,000 $ 102,000
Talbot, Maryland 1 $ 612,000 $ 612,000 $ 1,620,000
Washington, Maryland 1 $ 975,000 $ 975,000 $ 1,800,000
Middlesex, Massachusetts 1 $ 675,000 $ 675,000 $ 712,000
Norfolk, Massachusetts 1 $ 615,000 $ 615,000 $ 185,000
Plymouth, Massachusetts 1 $ 900,000 $ 900,000 $ 742,000
Berrien, Michigan 1 $ 340,000 $ 340,000 $ 223,000
Genesee, Michigan 1 $ 223,000 $ 223,000 $ 617,000
Ingham, Michigan 1 $ 136,000 $ 136,000 $ 262,000
Pike, Missouri 1 $ 92,000 $ 92,000 $ 38,000
St. Louis, Missouri 1 $ 480,000 $ 480,000 $ 168,000
Cape May, New Jersey 1 $ 1,500,000 $ 1,500,000 $ 1,193,000
Somerset, New Jersey 1 $ 520,000 $ 520,000 $ 608,000
Union, New Jersey 1 $ 619,000 $ 619,000 $ 774,000
Erie, New York 1 $ 417,000 $ 417,000 $ 990,000
Jefferson, New York 1 $ 1,715,000 $ 1,715,000 $ 7,836,000
Kings, New York 1 $ 1,100,000 $ 1,100,000 $ 806,000
Monroe, New York 1 $ 640,000 $ 640,000 $ 317,000
Orange, New York 1 $ 400,000 $ 400,000 $ 466,000
Chatham, North Carolina 1 $ 163,000 $ 163,000 $ 44,000
Dare, North Carolina 1 $ 840,000 $ 840,000 $ 2,000,000
Durham, North Carolina 1 $ 128,000 $ 128,000 $ 260,000
Geauga, Ohio 1 $ 250,000 $ 250,000 $ 160,000
Hancock, Ohio 1 $ 200,000 $ 200,000 $ 233,000
Marion, Ohio 1 $ 192,000 $ 192,000 $ 240,000
Portage, Ohio 1 $ 1,077,000 $ 1,077,000 $ 1,075,000
Coos, Oregon 1 $ 315,000 $ 315,000 $ 189,000
Hood River, Oregon 1 $ 270,000 $ 270,000 $ 294,000
Jackson, Oregon 1 $ 680,000 $ 680,000 $ 1,341,000
Josephine, Oregon 1 $ 319,000 $ 319,000 $ 552,000
Washington, Oregon 1 $ 876,000 $ 876,000 $ 289,000
Delaware, Pennsylvania 1 $ 615,000 $ 615,000 $ 850,000
Lawrence, Pennsylvania 1 $ 300,000 $ 300,000 $ 162,000
Pike, Pennsylvania 1 $ 640,000 $ 640,000 $ 939,000
Susquehanna, Pennsylvania 1 $ 235,000 $ 235,000 $ 278,000
Providence, Rhode Island 1 $ 226,000 $ 226,000 $ 109,000
Beaufort, South Carolina 1 $ 1,350,000 $ 1,350,000 $ 1,166,000
Charleston, South Carolina 1 $ 2,250,000 $ 2,250,000 $ 2,300,000
Georgetown, South Carolina 1 $ 495,000 $ 495,000 $ 5,044,000
Horry, South Carolina 1 $ 540,000 $ 540,000 $ 1,793,000
Marshall, Tennessee 1 $ 262,000 $ 262,000 $ 38,000
Rutherford, Tennessee 1 $ 325,000 $ 325,000 $ 94,000
Brazos, Texas 1 $ 1,200,000 $ 1,200,000 $ 999,000
Montgomery, Texas 1 $ 364,000 $ 364,000 $ 337,000
Salt Lake, Utah 1 $ 1,700,000 $ 1,700,000 $ 3,196,000
Wasatch, Utah 1 $ 2,475,000 $ 2,475,000 $ 640,000
Grand Isle, Vermont 1 $ 548,000 $ 548,000 $ 153,000
Caroline, Virginia 1 $ 3,780,000 $ 3,780,000 $ 1,773,000
Chesterfield, Virginia 1 $ 480,000 $ 480,000 $ 221,000
York, Virginia 1 $ 379,000 $ 379,000 $ 341,000
Clark, Washington 1 $ 570,000 $ 570,000 $ 374,000
Cowlitz, Washington 1 $ 180,000 $ 180,000 $ 374,000
Douglas, Washington 1 $ 718,000 $ 718,000 $ 233,000
Lewis, Washington 1 $ 67,000 $ 67,000 $ 124,000
Whitman, Washington 1 $ 268,000 $ 268,000 $ 175,000

Mortgage Loan Application Detail Totals for Toyota Financial Savings Bank in 2013

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 266 $238,938,000 $898,000 $7,500,000 $980,000 $9,999,000
Home Purchase 154 $115,305,000 $748,000 $2,800,000 $749,000 $9,999,000
Home Improvement 5 $7,522,000 $1,504,000 $5,514,000 $1,904,000 $7,914,000

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 323 $292,609,000 $905,000 $7,500,000 $982,000 $9,999,000
Not Provided 68 $48,238,000 $709,000 $3,549,000 $756,000 $5,934,000
Asian 16 $8,019,000 $501,000 $2,210,000 $354,000 $889,000
Hispanic 9 $3,322,000 $369,000 $750,000 $242,000 $711,000
Black or African American 8 $7,977,000 $997,000 $3,060,000 $870,000 $2,410,000
Native Hawaiian or Other Pacific Islander 1 $1,600,000 $1,600,000 $1,600,000 $2,000,000 $2,000,000
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) 425 $361,765,000 $851,000 $7,500,000 $907,000 $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 271 $230,276,000 $849,000 $5,514,000 $980,000 $9,999,000
Application Denied By Financial Institution 45 $41,461,000 $921,000 $3,060,000 $761,000 $9,999,000
Application Approved But Not Accepted 42 $53,676,000 $1,278,000 $7,500,000 $1,465,000 $9,999,000
Loan Purchased By The Institution 26 $2,994,000 $115,000 $219,000 $35,000 $59,000
Preapproval Approved but not Accepted 21 $13,517,000 $643,000 $2,500,000 $509,000 $1,800,000
Application Withdrawn By Applicant 11 $11,341,000 $1,031,000 $2,400,000 $666,000 $1,806,000
Preapproval Denied by Financial Institution 6 $3,348,000 $558,000 $1,100,000 $228,000 $360,000
File Closed For Incompleteness 3 $5,152,000 $1,717,000 $4,480,000 $1,266,000 $1,916,000

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 28 $25,017,000 $893,000 $3,060,000 $928,000 $9,999,000
Credit History 13 $13,468,000 $1,036,000 $2,400,000 $512,000 $2,000,000
Debt-To-Income Ratio 6 $3,598,000 $599,000 $1,280,000 $152,000 $278,000
Credit Application Incomplete 3 $2,100,000 $700,000 $1,100,000 $444,000 $806,000
Other 1 $626,000 $626,000 $626,000 $738,000 $738,000
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 2013 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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