Lone Star Federally Insured State-Chartered Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
2nd43.7% deniedPricingmedian rate spread over APOR, weight 30%
12th1.00 ptsProcesswithdrawn + incomplete share, weight 15%
23rd18.7%Closing coststotal loan costs ÷ loan amount, weight 10%
1st7.17% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 159 | 70 | 42.1% | 48.6% | 7.00% | $7.8M |
| 2024 | 148 | 87 | 29.7% | 33.3% | 7.50% | $12M |
| 2025 | 155 | 69 | 35.5% | 43.7% | 7.25% | $8.7M |
What Lone Star Federally Insured State-Chartered Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 1 investment properties.
Why Lone Star Federally Insured State-Chartered Credit Union denies applications
Primary reason reported for each of the 55 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Lone Star Federally Insured State-Chartered Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 25 | 6 | 70.0% |
| $50k – $100k | 69 | 27 | 53.3% |
| $100k – $150k | 35 | 19 | 16.7% |
| $150k – $250k | 21 | 13 | 27.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 20 | 4 | 66.7% |
| 35–44 | 40 | 18 | 48.6% |
| 45–54 | 31 | 15 | 34.8% |
| 55–64 | 29 | 14 | 44.4% |
| 65–74 | 23 | 14 | 26.3% |
Where Lone Star Federally Insured State-Chartered Credit Union lends
1 states and 16 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 155 | 69 | 35.5% | 7.25% | #468 |
Frequently asked questions
Lone Star Federally Insured State-Chartered Credit Union denied 43.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 2nd percentile of small mortgage lenders.
The most common reason Lone Star Federally Insured State-Chartered Credit Union gave in 2025 was "credit history", cited on 34.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Lone Star Federally Insured State-Chartered Credit Union originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 1.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 9% of its applications were for home purchases, 42% for refinancing (including cash-out), and 49% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.