Territorial Savings Bank mortgage approval rate & lending review
Territorial Savings Bank decided 299 mortgage applications and funded 267 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Territorial Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to tsbhawaii.bank.
Territorial Savings Bank at a glance
Approval is 6.0 points above the 84.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 192 / 200 | 98% | $535K | 189 |
| Investment property purchase | 82% | 33 / 40 | 100% | $385K | 33 |
Territorial Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Hawaii | 90% | $535K | 299 | 267 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Territorial Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Honolulu County, HI | Mortgage lenders | 96% | 194 | 183 |
| Honolulu County, HI | Cash-out refinance | 73% | 22 | 16 |
The county markets where Territorial Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Territorial Savings Bank
What is Territorial Savings Bank's mortgage approval rate?
Territorial Savings Bank approved 90.3% of the 299 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.0 points above the 84.3% national rate for the same mix of loan types.
How often do borrowers take the loan Territorial Savings Bank offers?
Borrowers accepted 99% of the loans Territorial Savings Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Territorial Savings Bank make?
The typical home purchase mortgage loan Territorial Savings Bank made was $535K; across all loan types its typical loan ran from $385K to $535K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Territorial Savings Bank lend?
Territorial Savings Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Hawaii.
Can I apply to Territorial Savings Bank directly?
Yes. Territorial Savings Bank reports as a direct lender that takes applications from borrowers. Its website is tsbhawaii.bank.
Does this page show Territorial Savings Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Territorial Savings Bank treats applications, then get a rate quote from the lender.