Toyota Financial Savings Bank Mortgage Lending & HMDA Data, 2014

In 2014, Toyota Financial Savings Bank of Henderson, NV reported 270 mortgage applications totaling $189.4 million, down 36% from 2013. The average application was for $701,385, and applicants reported an average income of $715,296. 52% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Las Vegas-Henderson-Paradise, NV (35), Los Angeles-Long Beach-Glendale, CA (14) and Riverside-San Bernardino-Ontario, CA (10) (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 270
Total Mortgage Loan Application Amount $189,374,000
Average Mortgage Loan Application Amount $701,385
Highest Mortgage Loan Application Amount $6,117,000
Average Applicant Income $715,296
Highest Applicant Income $9,447,000

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records Toyota Financial Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Clark, Nevada 35 $ 5,424,000 $ 154,971 $ 91,000
Los Angeles, California 14 $ 19,171,000 $ 1,369,357 $ 654,000
San Diego, California 9 $ 9,390,000 $ 1,043,333 $ 540,000
Riverside, California 8 $ 5,372,000 $ 671,500 $ 718,000
Maricopa, Arizona 6 $ 4,057,000 $ 676,166 $ 537,000
Orange, California 6 $ 5,251,000 $ 875,166 $ 803,000
Cook, Illinois 5 $ 1,346,000 $ 269,200 $ 70,000
Santa Clara, California 4 $ 8,899,000 $ 2,224,750 $ 914,000
Palm Beach, Florida 4 $ 2,442,000 $ 610,500 $ 965,000
Sarasota, Florida 4 $ 3,405,000 $ 851,250 $ 1,024,000
Tazewell, Illinois 3 $ 432,000 $ 144,000 $ 272,000
Harford, Maryland 3 $ 4,231,000 $ 1,410,333 $ 1,591,000
Calhoun, Michigan 3 $ 1,010,000 $ 336,666 $ 129,000
Suffolk, New York 3 $ 1,021,000 $ 340,333 $ 658,000
Charleston, South Carolina 3 $ 7,550,000 $ 2,516,666 $ 1,962,000
Davidson, Tennessee 3 $ 1,010,000 $ 336,666 $ 153,000
Harris, Texas 3 $ 645,000 $ 215,000 $ 101,000
King, Washington 3 $ 4,890,000 $ 1,630,000 $ 3,174,000
Alameda, California 2 $ 2,560,000 $ 1,280,000 $ 2,955,000
Placer, California 2 $ 6,454,000 $ 3,227,000 $ 2,562,000
San Bernardino, California 2 $ 1,888,000 $ 944,000 $ 620,000
Santa Cruz, California 2 $ 1,665,000 $ 832,500 $ 549,000
District of Columbia, District Of Columbia 2 $ 3,470,000 $ 1,735,000 $ 1,777,000
Collier, Florida 2 $ 1,640,000 $ 820,000 $ 795,000
Glynn, Georgia 2 $ 1,000,000 $ 500,000 $ 819,000
Blaine, Idaho 2 $ 2,496,000 $ 1,248,000 $ 2,095,000
Bossier, Louisiana 2 $ 1,398,000 $ 699,000 $ 290,000
St. Tammany, Louisiana 2 $ 570,000 $ 285,000 $ 330,000
Baltimore, Maryland 2 $ 1,872,000 $ 936,000 $ 525,000
Oakland, Michigan 2 $ 703,000 $ 351,500 $ 307,000
St. Louis, Missouri 2 $ 349,000 $ 174,500 $ 83,000
Lake, Ohio 2 $ 105,000 $ 52,500 $ 233,000
Clackamas, Oregon 2 $ 806,000 $ 403,000 $ 888,000
Washington, Oregon 2 $ 1,400,000 $ 700,000 $ 1,224,000
Bucks, Pennsylvania 2 $ 900,000 $ 450,000 $ 1,307,000
Montgomery, Pennsylvania 2 $ 1,498,000 $ 749,000 $ 820,000
Jefferson, Tennessee 2 $ 373,000 $ 186,500 $ 71,000
Bastrop, Texas 2 $ 1,150,000 $ 575,000 $ 379,000
Cameron, Texas 2 $ 1,267,000 $ 633,500 $ 2,104,000
Salt Lake, Utah 2 $ 1,284,000 $ 642,000 $ 242,000
Fairfax, Virginia 2 $ 2,035,000 $ 1,017,500 $ 1,809,000
Rockingham, Virginia 2 $ 757,000 $ 378,500 $ 86,000
Lee, Alabama 1 $ 272,000 $ 272,000 $ 483,000
Coconino, Arizona 1 $ 1,023,000 $ 1,023,000 $ 3,265,000
Contra Costa, California 1 $ 150,000 $ 150,000 $ 693,000
Mendocino, California 1 $ 568,000 $ 568,000 $ 213,000
Nevada, California 1 $ 950,000 $ 950,000 $ 1,212,000
Santa Barbara, California 1 $ 668,000 $ 668,000 $ 372,000
Sonoma, California 1 $ 576,000 $ 576,000 $ 288,000
Tulare, California 1 $ 206,000 $ 206,000 $ 99,000
Ventura, California 1 $ 4,040,000 $ 4,040,000 $ 486,000
La Plata, Colorado 1 $ 1,358,000 $ 1,358,000 $ 2,452,000
San Miguel, Colorado 1 $ 1,196,000 $ 1,196,000 $ 9,447,000
Fairfield, Connecticut 1 $ 318,000 $ 318,000 $ 478,000
New Castle, Delaware 1 $ 221,000 $ 221,000 $ 77,000
Sussex, Delaware 1 $ 472,000 $ 472,000 $ 2,344,000
Bay, Florida 1 $ 600,000 $ 600,000 $ 186,000
Broward, Florida 1 $ 175,000 $ 175,000 $ 251,000
Indian River, Florida 1 $ 969,000 $ 969,000 $ 1,325,000
Martin, Florida 1 $ 183,000 $ 183,000 $ 188,000
Okaloosa, Florida 1 $ 611,000 $ 611,000 $ 387,000
St. Johns, Florida 1 $ 408,000 $ 408,000 $ 187,000
Bibb, Georgia 1 $ 819,000 $ 819,000 $ 596,000
Cobb, Georgia 1 $ 979,000 $ 979,000 $ 389,000
Honolulu, Hawaii 1 $ 3,000,000 $ 3,000,000 $ 754,000
Maui, Hawaii 1 $ 740,000 $ 740,000 $ 319,000
Ada, Idaho 1 $ 472,000 $ 472,000 $ 262,000
Valley, Idaho 1 $ 520,000 $ 520,000 $ 811,000
Madison, Indiana 1 $ 295,000 $ 295,000 $ 161,000
St. Joseph, Indiana 1 $ 780,000 $ 780,000 $ 1,091,000
Dickinson, Iowa 1 $ 388,000 $ 388,000 $ 1,671,000
Polk, Iowa 1 $ 349,000 $ 349,000 $ 134,000
Johnson, Kansas 1 $ 542,000 $ 542,000 $ 308,000
Anne Arundel, Maryland 1 $ 1,520,000 $ 1,520,000 $ 770,000
Montgomery, Maryland 1 $ 2,000,000 $ 2,000,000 $ 590,000
Worcester, Massachusetts 1 $ 888,000 $ 888,000 $ 1,817,000
Wayne, Michigan 1 $ 348,000 $ 348,000 $ 840,000
Hennepin, Minnesota 1 $ 338,000 $ 338,000 $ 324,000
Douglas, Nebraska 1 $ 614,000 $ 614,000 $ 7,800,000
Carson City, Nevada 1 $ 430,000 $ 430,000 $ 234,000
Camden, New Jersey 1 $ 385,000 $ 385,000 $ 180,000
Hunterdon, New Jersey 1 $ 1,046,000 $ 1,046,000 $ 984,000
Monmouth, New Jersey 1 $ 1,015,000 $ 1,015,000 $ 718,000
Monroe, New York 1 $ 632,000 $ 632,000 $ 551,000
Orange, New York 1 $ 550,000 $ 550,000 $ 530,000
Logan, Ohio 1 $ 244,000 $ 244,000 $ 226,000
Montgomery, Ohio 1 $ 345,000 $ 345,000 $ 168,000
Portage, Ohio 1 $ 1,077,000 $ 1,077,000 $ 1,075,000
Trumbull, Ohio 1 $ 210,000 $ 210,000 $ 262,000
Benton, Oregon 1 $ 498,000 $ 498,000 $ 2,002,000
Deschutes, Oregon 1 $ 425,000 $ 425,000 $ 836,000
Lane, Oregon 1 $ 114,000 $ 114,000 $ 830,000
Multnomah, Oregon 1 $ 560,000 $ 560,000 $ 153,000
Wasco, Oregon 1 $ 100,000 $ 100,000 $ 411,000
Delaware, Pennsylvania 1 $ 686,000 $ 686,000 $ 784,000
Lebanon, Pennsylvania 1 $ 640,000 $ 640,000 $ 376,000
Lehigh, Pennsylvania 1 $ 728,000 $ 728,000 $ 376,000
Blount, Tennessee 1 $ 900,000 $ 900,000 $ 532,000
Bexar, Texas 1 $ 320,000 $ 320,000 $ 328,000
Dallas, Texas 1 $ 1,000,000 $ 1,000,000 $ 421,000
Tarrant, Texas 1 $ 1,620,000 $ 1,620,000 $ 1,859,000
Victoria, Texas 1 $ 460,000 $ 460,000 $ 328,000
Williamson, Texas 1 $ 184,000 $ 184,000 $ 240,000
Bennington, Vermont 1 $ 300,000 $ 300,000 $ 438,000
Grayson, Virginia 1 $ 640,000 $ 640,000 $ 4,210,000
Prince William, Virginia 1 $ 743,000 $ 743,000 $ 311,000
Virginia Beach, Virginia 1 $ 640,000 $ 640,000 $ 124,000
Lewis, Washington 1 $ 130,000 $ 130,000 $ 919,000
Pierce, Washington 1 $ 712,000 $ 712,000 $ 1,194,000
Skagit, Washington 1 $ 400,000 $ 400,000 $ 235,000
Snohomish, Washington 1 $ 368,000 $ 368,000 $ 105,000
Thurston, Washington 1 $ 320,000 $ 320,000 $ 216,000
Whatcom, Washington 1 $ 529,000 $ 529,000 $ 200,000
Raleigh, West Virginia 1 $ 418,000 $ 418,000 $ 2,122,000
Dane, Wisconsin 1 $ 369,000 $ 369,000 $ 259,000

Mortgage Loan Application Detail Totals for Toyota Financial Savings Bank in 2014

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
Home Purchase 146 $92,718,000 $635,000 $3,300,000 $691,000 $9,447,000
Refinancing 118 $94,790,000 $803,000 $6,117,000 $768,000 $8,080,000
Home Improvement 6 $1,866,000 $311,000 $960,000 $270,000 $761,000

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 205 $149,294,000 $728,000 $6,117,000 $771,000 $9,447,000
Not Provided 38 $21,455,000 $564,000 $1,620,000 $495,000 $2,002,000
Hispanic 15 $5,096,000 $339,000 $1,500,000 $306,000 $2,226,000
Black or African American 8 $11,803,000 $1,475,000 $3,210,000 $1,201,000 $2,955,000
Asian 3 $372,000 $124,000 $195,000 $337,000 $953,000
Native Hawaiian or Other Pacific Islander 1 $1,354,000 $1,354,000 $1,354,000 $1,109,000 $1,109,000
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) 270 $189,374,000 $701,000 $6,117,000 $715,000 $9,447,000
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 141 $118,690,000 $841,000 $6,117,000 $894,000 $9,447,000
Application Denied By Financial Institution 35 $27,239,000 $778,000 $4,040,000 $550,000 $2,452,000
Loan Purchased By The Institution 33 $3,619,000 $109,000 $190,000 $40,000 $93,000
Application Approved But Not Accepted 27 $20,235,000 $749,000 $2,846,000 $1,114,000 $7,800,000
Preapproval Approved but not Accepted 25 $12,954,000 $518,000 $2,000,000 $448,000 $1,695,000
Preapproval Denied by Financial Institution 5 $3,940,000 $788,000 $1,300,000 $275,000 $408,000
Application Withdrawn By Applicant 4 $2,697,000 $674,000 $1,880,000 $968,000 $2,312,000
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 17 $16,800,000 $988,000 $4,040,000 $622,000 $2,452,000
Credit History 12 $9,454,000 $787,000 $1,500,000 $575,000 $2,027,000
Credit Application Incomplete 6 $3,165,000 $527,000 $725,000 $412,000 $657,000
Debt-To-Income Ratio 2 $630,000 $315,000 $360,000 $95,000 $131,000
Employment History 2 $770,000 $385,000 $620,000 $128,000 $187,000
Insufficient Cash (Downpayment, Closing Cost) 1 $360,000 $360,000 $360,000 $241,000 $241,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Toyota Financial Savings Bank's 2014 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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