Toyota Financial Savings Bank mortgage approval rate & lending review
Toyota Financial Savings Bank decided 784 mortgage applications and funded 738 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Toyota Financial Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Toyota Financial Savings Bank at a glance
Approval is 9.4 points above the 84.8% 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 | 95% | 493 / 517 | 100% | $465K | 493 |
| Cash-out refinance | 83% | 48 / 58 | 100% | $585K | 48 |
| Refinance | 92% | 23 / 25 | 96% | $535K | 22 |
| Investment property purchase | 96% | 126 / 131 | 100% | $655K | 126 |
| Investment cash-out refinance | 91% | 40 / 44 | 100% | $495K | 40 |
Toyota Financial Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 94% | $465K | 182 | 171 |
| California | 96% | $1.05M | 93 | 89 |
| North Carolina | 96% | $315K | 85 | 82 |
| Florida | 90% | $655K | 41 | 37 |
| Arizona | 97% | $735K | 35 | 34 |
| Illinois | 93% | $375K | 27 | 25 |
| New Jersey | 96% | $545K | 25 | 24 |
| New York | 95% | $395K | 21 | 20 |
| Ohio | 95% | $315K | 21 | 20 |
| Massachusetts | 85% | $475K | 20 | 17 |
| Tennessee | 95% | $415K | 20 | 19 |
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 Toyota Financial Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Guilford County, NC | Mortgage lenders | 98% | 44 | 43 |
The county markets where Toyota Financial Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Toyota Financial Savings Bank
What is Toyota Financial Savings Bank's mortgage approval rate?
Toyota Financial Savings Bank approved 94.3% of the 784 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.4 points above the 84.8% national rate for the same mix of loan types.
How often do borrowers take the loan Toyota Financial Savings Bank offers?
Borrowers accepted 100% of the loans Toyota Financial 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 Toyota Financial Savings Bank make?
The typical home purchase mortgage loan Toyota Financial Savings Bank made was $465K; across all loan types its typical loan ran from $465K to $655K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Toyota Financial Savings Bank lend?
Toyota Financial Savings Bank decided applications in 43 of the states Fat Boy Data covers, most of them in Texas, California and North Carolina.
Can I apply to Toyota Financial Savings Bank directly?
Yes. Toyota Financial Savings Bank is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Toyota Financial 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 Toyota Financial Savings Bank treats applications, then get a rate quote from the lender.