Firstar Bank mortgage approval rate & lending review
Firstar Bank decided 1,016 mortgage applications and funded 998 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Firstar Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Firstar Bank at a glance
Approval is 13.5 points above the 84.9% 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 | 99% | 508 / 513 | 100% | $185K | 508 |
| Refinance | 97% | 100 / 103 | 100% | $225K | 100 |
| Investment property purchase | 98% | 304 / 310 | 100% | $185K | 303 |
| Investment refinance | 97% | 60 / 62 | 98% | $135K | 59 |
Firstar Bank lending by state
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 Firstar Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sebastian County, AR | Mortgage lenders | 99% | 363 | 360 |
| Tulsa County, OK | Investment property purchase | 98% | 136 | 132 |
| Sebastian County, AR | Investment property purchase | 98% | 116 | 114 |
| Tulsa County, OK | Mortgage lenders | 97% | 76 | 74 |
| Sebastian County, AR | Refinance | 99% | 73 | 72 |
| Sebastian County, AR | Investment refinance | 94% | 33 | 31 |
| Benton County, AR | Investment property purchase | 100% | 21 | 21 |
| Tulsa County, OK | Investment refinance | 100% | 21 | 21 |
The county markets where Firstar Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Firstar Bank
What is Firstar Bank's mortgage approval rate?
Firstar Bank approved 98.4% of the 1,016 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.5 points above the 84.9% national rate for the same mix of loan types.
How often do borrowers take the loan Firstar Bank offers?
Borrowers accepted 100% of the loans Firstar 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 Firstar Bank make?
The typical home purchase mortgage loan Firstar Bank made was $185K; across all loan types its typical loan ran from $135K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Firstar Bank lend?
Firstar Bank decided applications in 8 of the states Fat Boy Data covers, most of them in Arkansas, Oklahoma and Missouri.
Can I apply to Firstar Bank directly?
Yes. Firstar Bank is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Firstar 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 Firstar Bank treats applications, then get a rate quote from the lender.