American Savings Bank Fsb Mortgage Rates, Fees & InfoHonolulu, HI
Tax ID: 99-0253492
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewAmerican Savings Bank Fsb is a small bank specializing in Home Purchase loans. American Savings Bank Fsb has a high proportion of conventional loans. Their top markets by origination volume include: Urban Honolulu, Kahului, Hilo, and Kapaa among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)
American Savings Bank Fsb has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. American Savings Bank Fsb is typically a high 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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|Simulated Rate||Simulation Date|
|Home Equity Line of Credit (HELOC)||4.48%||4/2/23|
|30 Year Conventional Purchase||5.96%||4/2/23|
|30 Year Conventional Refi||6.28%||4/2/23|
|30 Year Cash-out Refi||6.33%||4/2/23|
|30 Year VA Purchase||5.80%||4/2/23|
|15 Year Conventional Purchase||5.98%||4/2/23|
|15 Year Conventional Refi||5.88%||4/2/23|
|15 Year Cash-out Refi||5.88%||4/2/23|
|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.|
American Savings Bank Fsb Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Origination Dollar Volume (All Markets)$1,297,400,000
American Savings Bank Fsb's average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -0.61%.
Relative Fees (Closing Costs)
American Savings Bank Fsb's average total fees/closing costs for a 30 year fixed rate
mortgage were $12,282.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.
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|
|URBAN HONOLULU, HI (FHA|USDA|VA)||2,821||$1,012,185,000||$358,804||$12,601||3.16%|
|KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA)||478||$163,660,000||$342,385||$11,454||3.29%|
|Hilo, HI (FHA|USDA|VA)||294||$73,080,000||$248,571||$9,472||3.29%|
|Kapaa, HI (FHA|USDA|VA)||159||$48,475,000||$304,874||$10,826||3.23%|
We use machine learning to identify the top lenders compared against American Savings Bank FSB based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 112
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|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, American Savings Bank Fsb's most frequently originated type of loan was HELOC, with 2,725 originations. Their 2nd most popular type was Conventional, with 1,019 originations.
For 2022, American Savings Bank Fsb's most frequently cited loan purpose was Home Improvement, with 1,051 originations. The 2nd most popular reason was Other, with 1,040 originations.
For 2022, American Savings Bank Fsb's most frequently cited loan duration was Other, with 2,727 originations. The 2nd most popular length was 30 Year, with 923 originations.
Origination Fees/Closing Costs
American Savings Bank Fsb's average total fees were $12,282, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 548 originations.
During 2022, American Savings Bank Fsb's average interest rate for loans was 4.15%, while their most frequently originated rate bucket for loans was <2.5%, with 1,383 originations.
2022 saw American Savings Bank Fsb place emphasis on $200k-400k loans with 1,220 originations, totaling $348,840,000 in origination value.
American Savings Bank Fsb lent most frequently to those with incomes in the $150k-250k range, with 1,043 originations. The second most popular income band? $100k-150k, with 1,041 originations.
Applicant Debt to Income Ratio
American Savings Bank Fsb lent most frequently to those with DTI ratios of 49%, with 611 originations. The next most common DTI ratio? 30-36%, with 487 originations.
Approval RatesTotal approvals of all applications
American Savings Bank Fsb has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick RateApprovals leading to origination
American Savings Bank Fsb has an average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|
Occupancy Type Mix
|Dwelling Type||Originations||Total Value||Average Loan|
|Bank Name||Product||Issue||2022 CPFB Complaints||% of Total Issues|
|AMERIS BANCORP||Conventional home mortgage||Trouble during payment process||1||100.0%|