American Savings Bank Fsb Mortgage Rates, Fees & Info

Honolulu, HI

LEI: 549300BES7HNVKCDIM50

Tax ID: 99-0253492

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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 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.

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

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 4.48% 11/21/24
    30 Year Conventional Purchase 5.96% 11/21/24
    30 Year Conventional Refi 6.28% 11/21/24
    30 Year Cash-out Refi 6.33% 11/21/24
    30 Year VA Purchase 5.80% 11/21/24
    15 Year Conventional Purchase 5.98% 11/21/24
    15 Year Conventional Refi 5.88% 11/21/24
    15 Year Cash-out Refi 5.88% 11/21/24
    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.

    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

    3,752

    Origination Dollar Volume (All Markets)

    $1,297,400,000

    Awards

    American Savings Bank FSB 30 Year Conventional Loans gold American Savings Bank FSB 30 Year Conventional Loans silver
    Show all (2) awards

    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) 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%
    American Savings Bank Fsb's top markets include Urban Honolulu, Kahului, Hilo, and Kapaa 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: 126
    PACIFIC HOME LOANS, INC.
    Similarity Rank: 152
    ALOHA PACIFIC
    Similarity Rank: 176
    Territorial Savings Bank
    Similarity Rank: 260
    COMPASS HOME LOANS, LLC
    Similarity Rank: 312
    HAWAIIUSA FEDERAL CREDIT UNION
    Similarity Rank: 380
    HAWAIIAN FINANCIAL
    Similarity Rank: 384
    HAWAII STATE FEDERAL CREDIT UNION
    Similarity Rank: 408
    American Savings Bank, FSB
    Similarity Rank: 540
    Central Pacific Bank
    Similarity Rank: 575

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 2,725 $635,665,000 $233,272 n/a 2.85%
    Conventional 1,019 $657,625,000 $645,363 $12,087 4.10%
    VA 8 $4,110,000 $513,750 $20,110 3.41%

    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.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 1,051 $220,285,000 $209,596 $10,655 2.90%
    Other 1,040 $229,330,000 $220,510 $9,058 2.85%
    Home Purchase 895 $531,165,000 $593,480 $12,932 4.03%
    Refi 511 $212,905,000 $416,644 $8,583 2.85%
    Cash Out Refi 255 $103,715,000 $406,725 $11,224 3.48%

    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.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 2,727 $635,955,000 $233,207 $4,458 2.85%
    30 Year 923 $545,315,000 $590,807 $12,282 4.15%
    15 Year 46 $34,770,000 $755,870 $8,271 2.89%
    30+ year 25 $22,685,000 $907,400 $17,219 5.07%
    20 Year 17 $6,165,000 $362,647 $7,673 3.33%
    10 Year 14 $52,510,000 $3,750,714 $0 3.34%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 548 $343,810,000 $627,391
    $1k-2k 126 $88,970,000 $706,111
    $3k-4k 60 $28,400,000 $473,333
    $4k-5k 57 $23,165,000 $406,404
    $2k-3k 56 $26,110,000 $466,250
    $<1k 30 $17,740,000 $591,333

    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.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 1,383 $335,315,000 $242,455
    3-4% 1,320 $441,590,000 $334,538
    4-5% 435 $238,175,000 $547,529
    2.5-3% 393 $156,305,000 $397,723
    5-6% 168 $96,540,000 $574,643
    6-7% 42 $25,400,000 $604,762
    7-8% 11 $4,075,000 $370,455

    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.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,220 $348,840,000 $285,934 $8,266 3.14%
    $100k-200k 772 $108,790,000 $140,920 $5,996 2.93%
    $400k-600k 757 $334,105,000 $441,354 $11,459 3.29%
    $100,000 or less 549 $34,625,000 $63,069 $4,080 2.88%
    $600k-1MM 324 $245,770,000 $758,549 $14,487 3.91%
    $1MM+ 130 $225,270,000 $1,732,846 $20,214 4.12%

    2022 saw American Savings Bank Fsb place emphasis on $200k-400k loans with 1,220 originations, totaling $348,840,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 1,043 $399,985,000 $383,495 $14,064 3.16%
    $100k-150k 1,041 $303,715,000 $291,753 $12,510 3.16%
    $75k-100k 562 $140,520,000 $250,036 $10,672 3.19%
    $250k+ 443 $265,975,000 $600,395 $14,473 3.49%
    $50k-75k 431 $86,795,000 $201,381 $8,190 3.08%
    $50k or less 174 $21,550,000 $123,851 $6,851 3.08%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    49% 611 $141,245,000 $231,170 $11,556 3.05%
    30-36% 487 $173,695,000 $356,663 $11,866 3.23%
    20-30% 485 $153,395,000 $316,278 $10,913 3.10%
    44% 373 $111,075,000 $297,788 $11,974 3.07%
    43% 188 $67,630,000 $359,734 $11,494 3.21%
    42% 184 $70,650,000 $383,967 $12,231 3.34%
    39% 168 $69,800,000 $415,476 $11,761 3.11%
    41% 156 $63,820,000 $409,103 $12,411 3.24%
    40% 133 $45,185,000 $339,737 $11,777 3.19%
    45% 129 $49,635,000 $384,767 $13,648 3.37%
    <20% 123 $37,775,000 $307,114 $10,116 3.06%
    36% 111 $43,455,000 $391,486 $13,959 3.36%
    37% 110 $42,940,000 $390,364 $14,926 3.29%
    38% 109 $40,735,000 $373,716 $12,226 3.31%
    48% 108 $35,080,000 $324,815 $13,121 3.34%
    46% 103 $34,335,000 $333,350 $13,269 3.43%
    47% 95 $29,135,000 $306,684 $11,666 3.45%
    50-60% 58 $13,780,000 $237,586 $20,260 3.14%
    >60% 1 $2,005,000 $2,005,000 $0 3.50%

    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.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Asian 2,094 $673,980,000 $321,862 $12,184 3.18%
    White 724 $242,460,000 $334,890 $11,729 3.21%
    Not provided 556 $215,940,000 $388,381 $12,818 3.26%
    Not applicable 18 $70,240,000 $3,902,222 $0 3.49%
    Native Hawaiian or Islander 190 $47,600,000 $250,526 $10,145 2.97%
    American Indian 32 $12,440,000 $388,750 $15,525 3.53%
    Japanese 41 $10,645,000 $259,634 $14,897 3.12%
    Filipino 30 $6,690,000 $223,000 $9,005 3.15%
    Chinese 22 $6,420,000 $291,818 $8,592 3.39%
    Black 18 $4,650,000 $258,333 $14,776 3.51%
    Native Hawaiian 10 $2,160,000 $216,000 $10,505 3.15%
    Other Asian 6 $1,570,000 $261,667 $0 2.96%
    Asian Indian 4 $940,000 $235,000 $0 2.81%
    Korean 4 $810,000 $202,500 $0 2.31%
    Guamanian 1 $435,000 $435,000 $14,623 3.13%
    Samoan 2 $420,000 $210,000 $0 2.88%

    Approval Rates

    Total approvals of all applications
    67.28%

    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
    86.54%

    American Savings Bank Fsb has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,752 $1,297,400,000 $345,789

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,752 $1,297,400,000 $345,789

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,088 $317,440,000 $291,765 $8,694 2.99%
    40-60% 534 $244,130,000 $457,172 $11,167 3.32%
    60-80% 645 $391,325,000 $606,705 $13,231 3.65%
    80-100% 253 $163,775,000 $647,332 $12,919 4.14%
    Over 100% 5 $23,865,000 $4,773,000 $23,305 4.01%
    Under 20% 1,227 $156,865,000 $127,844 $6,652 2.87%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    AMERIS BANCORP Conventional home mortgage Trouble during payment process 1 100.0%