We analyzed every closed loan from Firstar Bank — 699 loans across 827 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 3 mkts
Awards
FHA
Champion
Purchase
Champion
Conventional
Superstar
VA
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
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Report Card
Firstar Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+9.5 bps above market avg
Pull Through
Closing strength
Exceptional
Top 10% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 327 | 46.8% | +0.053%Above | $1,408Fees | ||||
FHA Loans | 228 | 32.6% | +0.298%Above | $1,374Fees | ||||
VA Loans | 70 | 10.0% | -0.593%Below | $2,064Fees | ||||
USDA Loans | — | 71 | 10.2% | -0.111%Below | $952Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume327
Mix46.8%
Spread
+0.053%Above
Fees
$1,408Fees
FHA Loans
OverallExceptional
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume228
Mix32.6%
Spread
+0.298%Above
Fees
$1,374Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume70
Mix10.0%
Spread
-0.593%Below
Fees
$2,064Fees
USDA Loans
OverallExceptional
ProductExceptional
Pricing—
Pull ThroughExceptional
Volume71
Mix10.2%
Spread
-0.111%Below
Fees
$952Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 558 | 79.8% | +0.126%Above | $1,457Fees | ||||
Refinance | 141 | 20.2% | -0.009%Below | $1,412Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume558
Mix79.8%
Spread
+0.126%Above
Fees
$1,457Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume141
Mix20.2%
Spread
-0.009%Below
Fees
$1,412Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
699
Applications
827
Volume
$157 million
Pricing & Closing
Avg Rate Spread
+0.095%
vs. market APOR
Avg Net Fees
$1,447
Origination − Credits
Pullthrough Rate
84.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$225,315
Avg Borrower Income
$103,260
Avg Property Value
$282,966
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
6Midwest2
KSMO
South4
ARFLOKTX
Top Metro Areas by Place Specialization Score
Volume 396Mix 56.65% of portfolio
100/100
Exceptional
Volume 56Mix 8.01% of portfolio
62/100
Strong
Volume 26Mix 3.72% of portfolio
53/100
SoundTop States by Place Specialization Score
1
OklahomaState
Volume 358Mix 51.22% of portfolio
82/100
Exceptional2
ArkansasState
Volume 334Mix 47.78% of portfolio
81/100
ExceptionalHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.