Toyota Financial Savings Bank Mortgage Rates, Fees & Info
Henderson, NVLEI: 5493008SP1FN4D81IS17
Tax ID: 20-1170539
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Mortgage Data
Review & Overview
Toyota Financial Savings Bank is a smaller bank specializing in Home Purchase loans. Toyota Financial Savings Bank has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Dallas, New York, San Francisco, and Bridgeport among others. We have data for 127 markets. (Some data included below & more in-depth data is available with an active subscription.)Toyota Financial Savings Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Toyota Financial Savings Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.07% | 12/16/24 |
| 30 Year Conventional Refi | 5.88% | 12/16/24 |
| 30 Year Cash-out Refi | 5.92% | 12/16/24 |
| 15 Year Conventional Purchase | 5.63% | 12/16/24 |
| 15 Year Conventional Refi | 5.50% | 12/16/24 |
| 15 Year Cash-out Refi | 5.50% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Toyota Financial Savings Bank Mortgage Calculator
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This is not an official calculator from Toyota Financial Savings Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
478Origination Dollar Volume (All Markets)
$368,780,000Awards
Toyota Financial Savings Bank - 2022
Toyota Financial Savings Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 44 | $48,900,000 | $1,111,364 | $5,750 | 3.74% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 76 | $35,120,000 | $462,105 | $6,187 | 3.71% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 25 | $27,095,000 | $1,083,800 | $7,037 | 3.93% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 7 | $18,265,000 | $2,609,286 | $5,090 | 4.15% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 5 | $14,205,000 | $2,841,000 | $12,699 | 3.18% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 10 | $11,470,000 | $1,147,000 | $7,912 | 3.92% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 11 | $10,075,000 | $915,909 | $5,815 | 4.07% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 15 | $10,015,000 | $667,667 | $6,334 | 4.24% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $9,360,000 | $4,680,000 | $15,446 | 5.41% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 18 | $8,460,000 | $470,000 | $4,019 | 3.98% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 8 | $7,910,000 | $988,750 | $7,412 | 4.34% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 9 | $7,895,000 | $877,222 | $4,530 | 3.62% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 9 | $7,495,000 | $832,778 | $6,337 | 3.67% |
| Outside of Metro Areas | 15 | $7,475,000 | $498,333 | $4,215 | 4.09% |
| SALINAS, CA (FHA|USDA|VA) | 4 | $6,930,000 | $1,732,500 | $8,632 | 2.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 8 | $6,100,000 | $762,500 | $7,424 | 4.72% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $4,805,000 | $4,805,000 | $14,175 | 5.75% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 7 | $4,595,000 | $656,429 | $3,622 | 4.28% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 7 | $4,325,000 | $617,857 | $5,038 | 3.79% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 7 | $4,295,000 | $613,571 | $5,528 | 4.21% |
| Hilo, HI (FHA|USDA|VA) | 1 | $4,005,000 | $4,005,000 | $15,367 | 2.88% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 8 | $3,650,000 | $456,250 | $6,394 | 3.70% |
| RENO, NV (FHA|USDA|VA) | 1 | $3,255,000 | $3,255,000 | $10,259 | 4.58% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 6 | $3,070,000 | $511,667 | $4,633 | 3.77% |
| Outside of Metro Areas | 2 | $2,850,000 | $1,425,000 | $11,813 | 3.73% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $2,790,000 | $1,395,000 | $4,615 | 4.50% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $2,595,000 | $865,000 | $5,171 | 4.98% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $2,455,000 | $2,455,000 | $7,537 | 4.58% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 3 | $2,445,000 | $815,000 | $4,882 | 3.82% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $2,405,000 | $801,667 | $4,118 | 3.87% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $2,405,000 | $2,405,000 | $9,263 | 5.20% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 3 | $2,385,000 | $795,000 | $6,455 | 2.96% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $2,365,000 | $788,333 | $6,040 | 3.63% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $2,365,000 | $788,333 | $4,758 | 4.19% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $2,315,000 | $463,000 | $3,774 | 4.30% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 4 | $2,300,000 | $575,000 | $5,145 | 4.96% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $2,290,000 | $1,145,000 | $5,818 | 4.29% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 6 | $2,210,000 | $368,333 | $4,426 | 4.14% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $2,070,000 | $1,035,000 | $4,160 | 3.19% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $2,035,000 | $678,333 | $5,459 | 4.22% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $1,885,000 | $628,333 | $4,611 | 3.92% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $1,805,000 | $601,667 | $4,468 | 4.21% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $1,790,000 | $895,000 | $3,274 | 4.63% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $1,730,000 | $865,000 | $4,904 | 4.31% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 4 | $1,690,000 | $422,500 | $3,087 | 4.83% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $1,675,000 | $558,333 | $3,261 | 4.58% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $1,575,000 | $525,000 | $4,513 | 3.67% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 5 | $1,525,000 | $305,000 | $3,890 | 3.72% |
| Boone, NC (FHA|USDA|VA) | 1 | $1,455,000 | $1,455,000 | $5,248 | 2.75% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 5 | $1,435,000 | $287,000 | $3,035 | 3.79% |
| TULSA, OK (FHA|USDA|VA) | 1 | $1,365,000 | $1,365,000 | $7,411 | 3.38% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $1,350,000 | $675,000 | $3,340 | 3.31% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $1,230,000 | $615,000 | $9,900 | 3.69% |
| READING, PA (FHA|USDA|VA) | 1 | $1,215,000 | $1,215,000 | $8,042 | 4.25% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $8,500 | 3.00% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $3,557 | 5.17% |
| Prineville, OR (FHA|USDA|VA) | 1 | $1,045,000 | $1,045,000 | $8,638 | 4.83% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $1,025,000 | $1,025,000 | $4,948 | 4.13% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $1,015,000 | $1,015,000 | $4,150 | 2.75% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $8,628 | 3.88% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $4,832 | 4.83% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $4,096 | 4.31% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $3,213 | 5.47% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $935,000 | $935,000 | $0 | 3.25% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $935,000 | $935,000 | $9,350 | 2.75% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $10,283 | 4.70% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $895,000 | $895,000 | $4,129 | 3.13% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $1,781 | 4.37% |
| Spearfish, SD (FHA|USDA|VA) | 1 | $865,000 | $865,000 | $4,362 | 4.25% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $5,777 | 4.25% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $4,459 | 4.88% |
| BEND, OR (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $4,711 | 2.81% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $5,863 | 4.88% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $1,722 | 3.93% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $3,780 | 4.79% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $3,301 | 2.75% |
| Aberdeen, SD (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $5,186 | 3.38% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $0 | 5.00% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 4.99% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $3,763 | 2.63% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $2,915 | 5.75% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $5,467 | 2.50% |
| Pampa, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $1,531 | 2.50% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,033 | 3.81% |
| Heber, UT (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 3.50% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,150 | 3.38% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $13,791 | 5.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $2,119 | 4.43% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $3,982 | 4.75% |
| Key West, FL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,073 | 2.38% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,819 | 5.75% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,965 | 3.88% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,378 | 3.00% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,999 | 4.75% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,783 | 2.50% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,533 | 3.38% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,798 | 4.75% |
| Sonora, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,847 | 5.13% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,193 | 5.13% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,749 | 5.13% |
| Oil City, PA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,840 | 5.63% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $9,951 | 3.63% |
| Barre, VT (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,195 | 5.00% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,791 | 3.25% |
| Astoria, OR (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,783 | 4.75% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,327 | 3.00% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,828 | 3.00% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,073 | 3.50% |
| Montrose, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,940 | 4.88% |
| WACO, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,707 | 3.25% |
| Hudson, NY (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,315 | 3.13% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 4.99% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,981 | 3.13% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,575 | 2.88% |
| MONROE, MI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,918 | 5.13% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,642 | 3.00% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,475 | 2.88% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,903 | 5.25% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,606 | 3.63% |
| Dayton, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,327 | 5.88% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,945 | 3.38% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,365 | 5.75% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 5.00% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,690 | 3.63% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 5.49% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,389 | 5.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $125 | 4.99% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 478 | $368,780,000 | $771,506 | $5,565 | 3.97% |
For 2022, Toyota Financial Savings Bank's most frequently originated type of loan was Conventional, with 478 originations.
Loan Reason
For 2022, Toyota Financial Savings Bank's most frequently cited loan purpose was Home Purchase, with 297 originations. The 2nd most popular reason was Other, with 72 originations.
Loan Duration/Length
For 2022, Toyota Financial Savings Bank's most frequently cited loan duration was 30 Year, with 426 originations. The 2nd most popular length was 15 Year, with 34 originations.
Origination Fees/Closing Costs
Toyota Financial Savings Bank's average total fees were $5,667, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 370 originations.
Interest Rates
During 2022, Toyota Financial Savings Bank's average interest rate for loans was 4.06%, while their most frequently originated rate bucket for loans was 4-5%, with 161 originations.
Loan Sizing
2022 saw Toyota Financial Savings Bank place emphasis on $200k-400k loans with 132 originations, totaling $40,150,000 in origination value.
Applicant Income
Toyota Financial Savings Bank lent most frequently to those with incomes in the $250k+ range, with 284 originations. The second most popular income band? $150k-250k, with 96 originations.
Applicant Debt to Income Ratio
Toyota Financial Savings Bank lent most frequently to those with DTI ratios of <20%, with 144 originations. The next most common DTI ratio? 20-30%, with 121 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.51%
Toyota Financial Savings Bank has an average approval rate.
Pick Rate
Approvals leading to origination75.10%
Toyota Financial Savings Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 478 | $368,780,000 | $771,506 |