What loan types does Territorial Savings Bank offer?

Territorial Savings Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Territorial Savings Bank offer mortgages?

Territorial Savings Bank offers mortgages in 1 states: HI.

How competitive are Territorial Savings Bank's mortgage rates?

Territorial Savings Bank has an overall pricing score of 39.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Territorial Savings Bank?

Territorial Savings Bank is a Bank headquartered in Honolulu, HI.

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Territorial Savings Bank

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Territorial Savings Bank has 92 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Exceptional

5/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average
Higher than average fees ($5,857)

Explore another lender or local market

Report Card

Territorial Savings Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

Rates 33.9 bps below market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

87 loans · 0.35% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

74 loans · 0.32% below market

Sound

Top 60% of lenders

3/5

Refinance

18 loans · 0.43% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Exceptional

Top 20% of lenders

5/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Strong	87	94.6%	-0.352%Below	$5,946Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume87

Mix94.6%

Spread

-0.352%Below

Fees

$5,946Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Strong	74	80.4%	-0.318%Below	$5,698Fees
Refinance	Sound	Sound	—	Strong	18	19.6%	-0.429%Below	$6,552Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume74

Mix80.4%

Spread

-0.318%Below

Fees

$5,698Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Strong

Volume18

Mix19.6%

Spread

-0.429%Below

Fees

$6,552Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

119

Volume

$52 million

Pricing & Closing

Avg Rate Spread

-0.339%

vs. market APOR

Avg Net Fees

$5,857

Origination − Credits

Pullthrough Rate

77.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$570,326

Avg Borrower Income

$189,522

Avg Property Value

$931,630

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

West1

Top Metro Areas by Place Specialization Score

Urban Honolulu, HIMetro

Volume 85Mix 92.39% of portfolio

82/100

Exceptional

Top States by Place Specialization Score

HawaiiState

Volume 92Mix 100.00% of portfolio

81/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.