Toyota Financial Savings Bank Mortgage Lending & HMDA Data, 2015

In 2015, Toyota Financial Savings Bank of Henderson, NV reported 266 mortgage applications totaling $218.3 million, down 1% from 2014. The average application was for $820,687, and applicants reported an average income of $752,808. 60% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Las Vegas-Henderson-Paradise, NV (14), Anaheim-Santa Ana-Irvine, CA (11) and San Diego-Carlsbad, 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 266
Total Mortgage Loan Application Amount $218,303,000
Average Mortgage Loan Application Amount $820,687
Highest Mortgage Loan Application Amount $4,160,000
Average Applicant Income $752,808
Highest Applicant Income $7,396,000

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records Toyota Financial Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Clark, Nevada 14 $ 6,662,000 $ 475,857 $ 685,000
Orange, California 11 $ 17,157,000 $ 1,559,727 $ 718,000
San Diego, California 10 $ 17,350,000 $ 1,735,000 $ 572,000
Los Angeles, California 9 $ 8,204,000 $ 911,555 $ 618,000
Cabarrus, North Carolina 5 $ 3,830,000 $ 766,000 $ 935,000
Chester, Pennsylvania 5 $ 1,616,000 $ 323,200 $ 493,000
Riverside, California 4 $ 5,163,000 $ 1,290,750 $ 1,191,000
Harris, Texas 4 $ 1,777,000 $ 444,250 $ 441,000
Salt Lake, Utah 4 $ 8,917,000 $ 2,229,250 $ 722,000
Alameda, California 3 $ 2,368,000 $ 789,333 $ 1,391,000
Fresno, California 3 $ 1,547,000 $ 515,666 $ 191,000
Palm Beach, Florida 3 $ 823,000 $ 274,333 $ 632,000
Baltimore, Maryland 3 $ 4,247,000 $ 1,415,666 $ 813,000
Montgomery, Maryland 3 $ 6,578,000 $ 2,192,666 $ 451,000
Douglas, Nebraska 3 $ 952,000 $ 317,333 $ 1,029,000
Bergen, New Jersey 3 $ 2,273,000 $ 757,666 $ 419,000
Monmouth, New Jersey 3 $ 1,738,000 $ 579,333 $ 821,000
Garfield, Oklahoma 3 $ 530,000 $ 176,666 $ 322,000
Jackson, Oregon 3 $ 1,990,000 $ 663,333 $ 285,000
Dallas, Texas 3 $ 2,984,000 $ 994,666 $ 657,000
King, Washington 3 $ 4,245,000 $ 1,415,000 $ 1,127,000
Coconino, Arizona 2 $ 950,000 $ 475,000 $ 418,000
Maricopa, Arizona 2 $ 3,359,000 $ 1,679,500 $ 2,730,000
El Dorado, California 2 $ 2,021,000 $ 1,010,500 $ 914,000
Napa, California 2 $ 4,213,000 $ 2,106,500 $ 962,000
San Benito, California 2 $ 612,000 $ 306,000 $ 515,000
Santa Barbara, California 2 $ 7,910,000 $ 3,955,000 $ 2,739,000
Santa Clara, California 2 $ 4,292,000 $ 2,146,000 $ 1,810,000
Tulare, California 2 $ 632,000 $ 316,000 $ 373,000
Sussex, Delaware 2 $ 2,218,000 $ 1,109,000 $ 839,000
Collier, Florida 2 $ 2,868,000 $ 1,434,000 $ 1,273,000
Douglas, Georgia 2 $ 525,000 $ 262,500 $ 323,000
Orleans, Louisiana 2 $ 980,000 $ 490,000 $ 2,053,000
Worcester, Maryland 2 $ 800,000 $ 400,000 $ 822,000
Oakland, Michigan 2 $ 2,480,000 $ 1,240,000 $ 500,000
Rockingham, New Hampshire 2 $ 113,000 $ 56,500 $ 125,000
Chaves, New Mexico 2 $ 477,000 $ 238,500 $ 387,000
Portage, Ohio 2 $ 1,147,000 $ 573,500 $ 715,000
Lane, Oregon 2 $ 513,000 $ 256,500 $ 604,000
Montgomery, Pennsylvania 2 $ 964,000 $ 482,000 $ 960,000
Washington, Rhode Island 2 $ 1,880,000 $ 940,000 $ 930,000
Bradley, Tennessee 2 $ 700,000 $ 350,000 $ 254,000
Tarrant, Texas 2 $ 2,200,000 $ 1,100,000 $ 706,000
Fairfax, Virginia 2 $ 1,260,000 $ 630,000 $ 775,000
Virginia Beach, Virginia 2 $ 1,068,000 $ 534,000 $ 1,939,000
Clark, Washington 2 $ 577,000 $ 288,500 $ 420,000
Navajo, Arizona 1 $ 280,000 $ 280,000 $ 396,000
Yavapai, Arizona 1 $ 197,000 $ 197,000 $ 404,000
Mendocino, California 1 $ 570,000 $ 570,000 $ 238,000
Sacramento, California 1 $ 412,000 $ 412,000 $ 605,000
San Bernardino, California 1 $ 776,000 $ 776,000 $ 995,000
Solano, California 1 $ 1,008,000 $ 1,008,000 $ 1,518,000
Sonoma, California 1 $ 656,000 $ 656,000 $ 313,000
Arapahoe, Colorado 1 $ 686,000 $ 686,000 $ 772,000
Larimer, Colorado 1 $ 832,000 $ 832,000 $ 320,000
Hartford, Connecticut 1 $ 500,000 $ 500,000 $ 1,086,000
Charlotte, Florida 1 $ 98,000 $ 98,000 $ 58,000
Lee, Florida 1 $ 70,000 $ 70,000 $ 81,000
Miami-Dade, Florida 1 $ 600,000 $ 600,000 $ 600,000
Sarasota, Florida 1 $ 820,000 $ 820,000 $ 751,000
Bibb, Georgia 1 $ 799,000 $ 799,000 $ 829,000
Fayette, Georgia 1 $ 348,000 $ 348,000 $ 207,000
Fulton, Georgia 1 $ 420,000 $ 420,000 $ 185,000
Gilmer, Georgia 1 $ 145,000 $ 145,000 $ 401,000
Hawaii, Hawaii 1 $ 1,100,000 $ 1,100,000 $ 553,000
Honolulu, Hawaii 1 $ 760,000 $ 760,000 $ 795,000
Ada, Idaho 1 $ 614,000 $ 614,000 $ 911,000
Cook, Illinois 1 $ 208,000 $ 208,000 $ 7,396,000
Brown, Indiana 1 $ 152,000 $ 152,000 $ 140,000
Hamilton, Indiana 1 $ 220,000 $ 220,000 $ 173,000
Finney, Kansas 1 $ 390,000 $ 390,000 $ 254,000
Johnson, Kansas 1 $ 281,000 $ 281,000 $ 160,000
East Baton Rouge, Louisiana 1 $ 156,000 $ 156,000 $ 564,000
Jefferson, Louisiana 1 $ 232,000 $ 232,000 $ 86,000
St. Tammany, Louisiana 1 $ 250,000 $ 250,000 $ 558,000
York, Maine 1 $ 950,000 $ 950,000 $ 900,000
Harford, Maryland 1 $ 511,000 $ 511,000 $ 360,000
Barnstable, Massachusetts 1 $ 2,550,000 $ 2,550,000 $ 630,000
Bristol, Massachusetts 1 $ 217,000 $ 217,000 $ 64,000
Plymouth, Massachusetts 1 $ 478,000 $ 478,000 $ 1,539,000
Worcester, Massachusetts 1 $ 880,000 $ 880,000 $ 1,386,000
Calhoun, Michigan 1 $ 624,000 $ 624,000 $ 268,000
Genesee, Michigan 1 $ 516,000 $ 516,000 $ 1,126,000
Kent, Michigan 1 $ 100,000 $ 100,000 $ 48,000
Washtenaw, Michigan 1 $ 165,000 $ 165,000 $ 265,000
Strafford, New Hampshire 1 $ 417,000 $ 417,000 $ 406,000
Hudson, New Jersey 1 $ 370,000 $ 370,000 $ 349,000
Morris, New Jersey 1 $ 491,000 $ 491,000 $ 141,000
Curry, New Mexico 1 $ 82,000 $ 82,000 $ 111,000
Broome, New York 1 $ 460,000 $ 460,000 $ 186,000
New York, New York 1 $ 2,080,000 $ 2,080,000 $ 473,000
Rockland, New York 1 $ 580,000 $ 580,000 $ 243,000
Suffolk, New York 1 $ 400,000 $ 400,000 $ 555,000
Sullivan, New York 1 $ 70,000 $ 70,000 $ 254,000
Pickaway, Ohio 1 $ 328,000 $ 328,000 $ 458,000
Warren, Ohio 1 $ 337,000 $ 337,000 $ 172,000
Oklahoma, Oklahoma 1 $ 395,000 $ 395,000 $ 156,000
Rogers, Oklahoma 1 $ 440,000 $ 440,000 $ 200,000
Tulsa, Oklahoma 1 $ 471,000 $ 471,000 $ 340,000
Deschutes, Oregon 1 $ 792,000 $ 792,000 $ 1,404,000
Multnomah, Oregon 1 $ 560,000 $ 560,000 $ 1,404,000
Polk, Oregon 1 $ 830,000 $ 830,000 $ 1,239,000
Washington, Oregon 1 $ 945,000 $ 945,000 $ 321,000
Bucks, Pennsylvania 1 $ 163,000 $ 163,000 $ 991,000
Williamson, Tennessee 1 $ 1,190,000 $ 1,190,000 $ 186,000
Aransas, Texas 1 $ 208,000 $ 208,000 $ 417,000
Bexar, Texas 1 $ 1,300,000 $ 1,300,000 $ 2,782,000
Brown, Texas 1 $ 118,000 $ 118,000 $ 65,000
Collin, Texas 1 $ 3,000,000 $ 3,000,000 $ 2,814,000
Garza, Texas 1 $ 504,000 $ 504,000 $ 2,816,000
Kendall, Texas 1 $ 1,327,000 $ 1,327,000 $ 960,000
McLennan, Texas 1 $ 504,000 $ 504,000 $ 1,689,000
Rockwall, Texas 1 $ 432,000 $ 432,000 $ 3,125,000
Taylor, Texas 1 $ 291,000 $ 291,000 $ 314,000
Travis, Texas 1 $ 438,000 $ 438,000 $ 300,000
Washington, Texas 1 $ 270,000 $ 270,000 $ 1,238,000
Williamson, Texas 1 $ 150,000 $ 150,000 $ 348,000
Davis, Utah 1 $ 200,000 $ 200,000 $ 220,000
Summit, Utah 1 $ 3,608,000 $ 3,608,000 $ 1,999,000
Bennington, Vermont 1 $ 375,000 $ 375,000 $ 57,000
Albemarle, Virginia 1 $ 914,000 $ 914,000 $ 658,000
Montgomery, Virginia 1 $ 550,000 $ 550,000 $ 271,000
Clallam, Washington 1 $ 440,000 $ 440,000 $ 127,000
Grant, Washington 1 $ 445,000 $ 445,000 $ 1,504,000
Kitsap, Washington 1 $ 600,000 $ 600,000 $ 383,000
Lewis, Washington 1 $ 138,000 $ 138,000 $ 155,000
Thurston, Washington 1 $ 653,000 $ 653,000 $ 1,404,000
Monongalia, West Virginia 1 $ 114,000 $ 114,000 $ 153,000
Green, Wisconsin 1 $ 188,000 $ 188,000 $ 145,000
Albany, Wyoming 1 $ 380,000 $ 380,000 $ 168,000

Mortgage Loan Application Detail Totals for Toyota Financial Savings Bank in 2015

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 139 $117,194,000 $843,000 $4,160,000 $807,000 $7,396,000
Refinancing 117 $89,312,000 $763,000 $4,086,000 $682,000 $3,068,000
Home Improvement 10 $11,797,000 $1,179,000 $3,863,000 $828,000 $2,607,000

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 200 $163,308,000 $816,000 $4,160,000 $768,000 $7,396,000
Not Provided 51 $43,757,000 $857,000 $4,086,000 $703,000 $3,125,000
Asian 5 $4,617,000 $923,000 $1,640,000 $313,000 $600,000
Hispanic 5 $3,915,000 $783,000 $1,370,000 $878,000 $1,414,000
Native Hawaiian or Other Pacific Islander 2 $638,000 $319,000 $520,000 $640,000 $809,000
Black or African American 2 $1,628,000 $814,000 $1,280,000 $1,581,000 $2,955,000
American Indian or Alaskan Native 1 $440,000 $440,000 $440,000 $447,000 $447,000
Not applicable 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) 266 $218,303,000 $820,000 $4,160,000 $753,000 $7,396,000
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 159 $137,445,000 $864,000 $4,160,000 $822,000 $7,396,000
Application Denied By Financial Institution 31 $20,577,000 $663,000 $1,950,000 $625,000 $2,782,000
Application Approved But Not Accepted 29 $30,511,000 $1,052,000 $3,750,000 $846,000 $2,750,000
Preapproval Approved but not Accepted 20 $14,491,000 $724,000 $3,000,000 $610,000 $3,006,000
File Closed For Incompleteness 9 $7,278,000 $808,000 $2,000,000 $641,000 $1,414,000
Loan Purchased By The Institution 8 $1,081,000 $135,000 $225,000 $45,000 $124,000
Preapproval Denied by Financial Institution 6 $4,405,000 $734,000 $1,425,000 $933,000 $3,600,000
Application Withdrawn By Applicant 4 $2,515,000 $628,000 $2,000,000 $414,000 $875,000

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 17 $11,457,000 $673,000 $1,327,000 $868,000 $2,782,000
Credit History 11 $7,403,000 $673,000 $1,950,000 $656,000 $3,600,000
Debt-To-Income Ratio 7 $5,681,000 $811,000 $1,875,000 $333,000 $950,000
Employment History 1 $150,000 $150,000 $150,000 $348,000 $348,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Toyota Financial Savings Bank's 2015 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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