Lone Star National Bank
Lone Star National Bank received 466 applications in 2025 and made 232 mortgages, in 20 counties across 2 states. The median rate its borrowers got was 7.250% on a median loan of $275,000. Of 317 decisions, 74 were denials — 23.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300IRQPG1Q6VZ8Y58 |
|---|---|
| Applications received | 466 |
| Mortgages made | 232 |
| Denied | 74 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 149 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.612 points |
| FDIC-insured bank | Yes: Lone Star National Bank, 36 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 162 | 7.250% | $315,000 | 9.8% |
| Refinancing | 40 | 6.995% | $315,000 | 22.2% |
| Cash-out refinancing | 21 | 7.500% | $105,000 | 62.9% |
| Other purposes | 9 | Under 10 loans | Under 10 loans | 0.0% |
Where Lone Star National Bank lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hidalgo County, TX | 148 | 7.250% | 23.3% |
| Cameron County, TX | 43 | 7.250% | 25.4% |
| Bexar County, TX | 17 | 7.250% | 26.1% |
| Starr County, TX | 11 | 6.250% | 31.3% |
| Nueces County, TX | 3 | Under 10 loans | 0.0% |
| Harris County, TX | 2 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Aransas County, TX | 1 | Under 10 loans | 0.0% |
| El Paso County, TX | 1 | Under 10 loans | 0.0% |
| Johnson County, TX | 1 | Under 10 loans | 0.0% |
| Kendall County, TX | 1 | Under 10 loans | 0.0% |
| Kleberg County, TX | 1 | Under 10 loans | 0.0% |
| Montgomery County, TX | 1 | Under 10 loans | 0.0% |
| Wilson County, TX | 1 | Under 10 loans | 0.0% |
| Comal County, TX | 0 | Under 10 loans | Not published |
| Fort Bend County, TX | 0 | Under 10 loans | Not published |
| Jim Wells County, TX | 0 | Under 10 loans | Not published |
| Medina County, TX | 0 | Under 10 loans | Not published |
| Travis County, TX | 0 | Under 10 loans | Not published |
| Victoria County, TX | 0 | Under 10 loans | Not published |
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When Lone Star National Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.