# Starion Bank

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


Starion Bank is a bank, headquartered in Bismarck, ND, serving borrowers across 10 states, with 103 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 40% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 67% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 54930019RBT2SM6CQS78
- **Headquarters:** Bismarck, ND
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** AZ, MN, MT, NC, ND, SD, UT, WA, WI, WY
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.069%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,218
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 103
- **Dollar Volume:** $34 million
- **Applications Received:** 147
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $332,864
- **Average Borrower Income:** $176,223
- **Average Property Value:** $475,485

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 95 | -0.056% | $2,230 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 90 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 52/100 | 98 | $33M | -0.110% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ND | 74 | 1.01% | 72/100 |
| WI | 17 | 0.03% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Bismarck, ND | ND | 46 | 75/100 |
| Non |  | 30 | 42/100 |
| Madison, WI | WI | 14 | 50/100 |

## Where This Lender Ranks

Starion Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Bismarck, ND Banks
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders/banks)
- 🏆 **#6** in Bismarck, ND for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Bismarck, ND for Conventional Loans
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in North Dakota Banks
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/banks)
- 🏆 **#14** in Bismarck, ND
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders)
- 🏆 **#15** in North Dakota for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#15** in North Dakota for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does Starion Bank offer?

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

### Where does Starion Bank offer mortgages?

Starion Bank offers mortgages in 10 states: AZ, MN, MT, NC, ND, SD, UT, WA, WI, WY.

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

Starion Bank has a pricing score of 60/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.069% below market average.

### What type of lender is Starion Bank?

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

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

Starion Bank has a pull-through score of 33/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/starion-bank

### How to Cite

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

---

**[View Interactive Profile →](https://saferate.com/lenders/starion-bank)**