# Firstar Bank

> **Canonical URL:** https://saferate.com/lenders/firstar-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Firstar Bank is a bank, headquartered in Sallisaw, OK, serving borrowers across 6 states, with 699 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 28% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 8% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300VWURV8LBNGQ353
- **Headquarters:** Sallisaw, OK
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AR, FL, KS, MO, OK, TX
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pull Through: Exceptional 🤩
- Score: 92/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.095%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,447
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 699
- **Dollar Volume:** $157 million
- **Applications Received:** 827
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $225,315
- **Average Borrower Income:** $103,260
- **Average Property Value:** $282,966

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **FHA Gold Superstar** (77%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (77%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 71/100 | 327 | +0.053% | $1,408 | Strong 😀 |
| FHA | 78/100 | 228 | +0.298% | $1,374 | Strong 😀 |
| VA | 74/100 | 70 | -0.593% | $2,064 | Strong 😀 |
| USDA | 86/100 | 71 | -0.111% | $952 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 220 loans, Score: 67/100 (Strong)
- Refinance: 107 loans, Score: 73/100 (Strong)

**FHA:**
- Purchase: 206 loans, Score: 78/100 (Strong)
- Refinance: 22 loans, Score: 70/100 (Strong)

**VA:**
- Purchase: 58 loans, Score: 73/100 (Strong)

**USDA:**
- Purchase: 71 loans, Score: 86/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 75/100 | 558 | $121M | +0.126% | Strong 😀 |
| Refinance | 74/100 | 141 | $37M | -0.009% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 358 | 0.87% | 82/100 |
| AR | 334 | 1.04% | 81/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fort Smith, AR | AR-OK | 396 | 100/100 |
| Non |  | 209 | 65/100 |
| Tulsa, OK | OK | 56 | 62/100 |
| Fayetteville | AR | 26 | 53/100 |

## Where This Lender Ranks

Firstar Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Fort Smith, AR
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders)
- 🥇 **#1** in Fort Smith, AR Banks
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/banks)
- 🥇 **#1** in Fort Smith, AR for Conventional Loans
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Fort Smith, AR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Fort Smith, AR for FHA Loans
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Fort Smith, AR for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Fort Smith, AR for VA Loans
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Fort Smith, AR for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Fort Smith, AR for USDA Loans
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Fort Smith, AR for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Oklahoma
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders)
- 🥇 **#1** in Oklahoma Banks
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks)
- 🥇 **#1** in Oklahoma for Conventional Loans
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Oklahoma for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Oklahoma for FHA Loans
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Oklahoma for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Oklahoma for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Arkansas for Conventional Loans
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Arkansas for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Tulsa, OK for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does Firstar Bank offer?

Firstar Bank offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Firstar Bank offer mortgages?

Firstar Bank offers mortgages in 6 states: AR, FL, KS, MO, OK, TX.

### How competitive are Firstar Bank's mortgage rates?

Firstar Bank has a pricing score of 72/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.095% above market average.

### What type of lender is Firstar Bank?

Firstar Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Sallisaw, OK.

### What is Firstar Bank's loan approval success rate?

Firstar Bank has a pull-through score of 92/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/firstar-bank

### How to Cite

> "Firstar Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/firstar-bank

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