American Savings Bank Fsb Mortgage Rates, Fees & Info

Honolulu, HI

LEI: 549300BES7HNVKCDIM50

Tax ID: 99-0253492

1 stars - Updated: 4/5/25 - out of 5 stars, based on 32 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    American Savings Bank Fsb is a smaller bank specializing in Home Purchase loans. American Savings Bank Fsb has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Urban Honolulu, Kahului, Kapaa, and Hilo 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 4/5/25
    30 Year Conventional Purchase 6.62% 4/5/25
    30 Year Conventional Refi 6.68% 4/5/25
    30 Year Cash-out Refi 7.01% 4/5/25
    30 Year VA Purchase 6.05% 4/5/25
    30 Year VA Refi 5.57% 4/5/25
    15 Year Conventional Purchase 6.23% 4/5/25
    15 Year Conventional Refi 5.67% 4/5/25
    15 Year Cash-out Refi 5.67% 4/5/25
    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






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from American Savings Bank Fsb. 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

    993

    Origination Dollar Volume (All Markets)

    $443,895,000

    Awards

    American Savings Bank FSB 30 Year Conventional Loans gold American Savings Bank FSB 30 Year Conventional Loans silver American Savings Bank FSB 30 Year Conventional Loans bronze American Savings Bank FSB VA Loans gold
    Show all (4) awards

    Relative Rate

    American Savings Bank Fsb's average 30 year fixed mortgage rate was 6.75%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of 0.2%.

    Relative Fees (Closing Costs)

    American Savings Bank Fsb's average total fees/closing costs for a 30 year fixed rate mortgage were $13,120.

    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 $8,356.

    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
    URBAN HONOLULU, HI (FHA|USDA|VA) 730 $333,990,000 $457,521 $13,780 6.67%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 138 $66,510,000 $481,957 $9,774 7.02%
    Kapaa, HI (FHA|USDA|VA) 42 $23,900,000 $569,048 $14,837 6.76%
    Hilo, HI (FHA|USDA|VA) 83 $19,495,000 $234,880 $10,019 6.96%
    American Savings Bank Fsb's top markets include Urban Honolulu, Kahului, Kapaa, and Hilo among others.

    Their top states include:
  • Hawaii (FHA|USDA|VA)

    • Similar Lenders

    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.

    University of Hawaii Federal Credit Union
    Similarity Rank: 78
    HAWAIIAN FINANCIAL
    Similarity Rank: 140
    Territorial Savings Bank
    Similarity Rank: 156
    HAWAII STATE FEDERAL CREDIT UNION
    Similarity Rank: 172
    PACIFIC HOME LOANS, INC.
    Similarity Rank: 180
    HAWAIIUSA FEDERAL CREDIT UNION
    Similarity Rank: 188
    Central Pacific Bank
    Similarity Rank: 320
    American Savings Bank, FSB
    Similarity Rank: 400
    First Hawaiian Bank
    Similarity Rank: 508
    Bank of Hawaii
    Similarity Rank: 525

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 493 $94,445,000 $191,572 n/a 7.00%
    Conventional 475 $332,115,000 $699,189 $12,779 6.54%
    VA 23 $16,765,000 $728,913 $17,422 5.76%
    FHA 2 $570,000 $285,000 $10,725 6.56%

    For 2024, American Savings Bank Fsb's most frequently originated type of loan was HELOC, with 493 originations. Their 2nd most popular type was Conventional, with 475 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 449 $304,785,000 $678,808 $13,477 6.53%
    Other 209 $46,055,000 $220,359 $10,047 7.11%
    Home Improvement 207 $39,285,000 $189,783 $9,041 6.96%
    Refi 77 $30,345,000 $394,091 $9,240 6.60%
    Cash Out Refi 51 $23,425,000 $459,314 $10,453 6.55%

    For 2024, American Savings Bank Fsb's most frequently cited loan purpose was Home Purchase, with 449 originations. The 2nd most popular reason was Other, with 209 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 968 $405,430,000 $418,833 $13,120 6.75%
    30+ year 10 $9,940,000 $994,000 $10,106 7.39%
    10 Year 7 $8,475,000 $1,210,714 $0 5.79%
    15 Year 4 $1,160,000 $290,000 $9,047 6.22%
    Other 4 $18,890,000 $4,722,500 $0 6.83%

    For 2024, American Savings Bank Fsb's most frequently cited loan duration was 30 Year, with 968 originations. The 2nd most popular length was 30+ year, with 10 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 220 $158,620,000 $721,000
    $1k-2k 118 $80,860,000 $685,254
    $2k-3k 39 $21,925,000 $562,179
    $3k-4k 29 $12,085,000 $416,724
    $4k-5k 28 $11,590,000 $413,929
    $<1k 3 $2,895,000 $965,000

    American Savings Bank Fsb's average total fees were $13,120, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 220 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 346 $142,480,000 $411,792
    5-6% 312 $134,590,000 $431,378
    6-7% 299 $154,665,000 $517,274
    Over 8% 28 $7,920,000 $282,857
    4-5% 4 $2,950,000 $737,500
    <2.5% 3 $885,000 $295,000
    3-4% 1 $405,000 $405,000

    During 2024, American Savings Bank Fsb's average interest rate for loans was 6.75%, while their most frequently originated rate bucket for loans was 7-8%, with 346 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 258 $74,680,000 $289,457 $8,096 6.78%
    $100k-200k 192 $26,270,000 $136,823 $6,563 6.95%
    $400k-600k 182 $84,730,000 $465,549 $11,482 6.56%
    $600k-1MM 147 $113,315,000 $770,850 $17,162 6.40%
    $100,000 or less 128 $7,850,000 $61,328 $5,666 7.04%
    $1MM+ 86 $137,050,000 $1,593,605 $17,293 6.77%

    2024 saw American Savings Bank Fsb place emphasis on $200k-400k loans with 258 originations, totaling $74,680,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 279 $130,095,000 $466,290 $16,465 6.69%
    $100k-150k 265 $90,135,000 $340,132 $11,563 6.68%
    $250k+ 201 $151,215,000 $752,313 $14,918 6.91%
    $75k-100k 119 $27,475,000 $230,882 $8,876 6.80%
    $50k-75k 101 $16,865,000 $166,980 $7,781 6.76%
    $50k or less 20 $2,090,000 $104,500 $6,765 6.75%

    American Savings Bank Fsb lent most frequently to those with incomes in the $150k-250k range, with 279 originations. The second most popular income band? $100k-150k, with 265 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    49% 177 $56,395,000 $318,616 $13,572 6.94%
    30-36% 127 $54,775,000 $431,299 $13,872 6.74%
    44% 101 $39,455,000 $390,644 $12,307 6.72%
    20-30% 75 $22,715,000 $302,867 $10,189 6.91%
    41% 49 $21,345,000 $435,612 $12,263 6.61%
    45% 47 $29,425,000 $626,064 $14,860 6.38%
    48% 44 $23,600,000 $536,364 $12,549 6.79%
    42% 44 $17,170,000 $390,227 $10,635 6.61%
    47% 41 $22,345,000 $545,000 $13,809 6.68%
    <20% 39 $16,525,000 $423,718 $9,356 7.01%
    46% 38 $20,570,000 $541,316 $14,870 6.72%
    43% 34 $14,240,000 $418,824 $11,428 6.96%
    38% 32 $17,250,000 $539,063 $13,477 6.89%
    40% 31 $15,275,000 $492,742 $9,978 6.59%
    37% 31 $14,255,000 $459,839 $11,914 6.77%
    50-60% 31 $15,355,000 $495,323 $23,439 6.13%
    39% 29 $12,525,000 $431,897 $16,563 6.67%
    36% 13 $3,505,000 $269,615 $6,884 6.78%
    >60% 1 $405,000 $405,000 $0 7.50%

    American Savings Bank Fsb lent most frequently to those with DTI ratios of 49%, with 177 originations. The next most common DTI ratio? 30-36%, with 127 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Asian 543 $215,475,000 $396,823 $13,443 6.72%
    White 188 $93,430,000 $496,968 $12,500 6.89%
    Not provided 125 $58,275,000 $466,200 $13,697 6.71%
    Not applicable 6 $24,810,000 $4,135,000 $0 5.98%
    Native Hawaiian or Islander 64 $21,600,000 $337,500 $10,938 6.82%
    Filipino 12 $7,300,000 $608,333 $21,302 6.19%
    Japanese 16 $6,330,000 $395,625 $9,116 6.86%
    Chinese 13 $6,165,000 $474,231 $8,413 6.85%
    American Indian 12 $4,880,000 $406,667 $10,466 6.52%
    Black 5 $2,125,000 $425,000 $6,515 7.05%
    Asian Indian 3 $1,505,000 $501,667 $4,798 6.91%
    Guamanian 1 $715,000 $715,000 $5,452 6.13%
    Native Hawaiian 3 $615,000 $205,000 $0 6.83%
    Korean 1 $405,000 $405,000 $0 6.49%
    Other Pacific Islander 1 $265,000 $265,000 $0 6.49%

    Approval Rates

    Total approvals of all applications
    62.75%

    American Savings Bank Fsb has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    81.27%

    American Savings Bank Fsb has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 993 $443,895,000 $447,024

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    993 $443,895,000 $447,024

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 210 $68,480,000 $326,095 $9,131 6.90%
    40-60% 124 $71,430,000 $576,048 $9,691 6.59%
    60-80% 186 $142,370,000 $765,430 $13,263 6.66%
    80-100% 161 $119,345,000 $741,273 $15,456 6.36%
    Over 100% 3 $2,605,000 $868,333 $40,537 5.46%
    Under 20% 309 $39,665,000 $128,366 $7,167 6.98%