Lone Star National Bank 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%
14th23.3% deniedPricingmedian rate spread over APOR, weight 30%
23rd0.61 ptsProcesswithdrawn + incomplete share, weight 15%
4th32.0%Closing coststotal loan costs ÷ loan amount, weight 10%
12th3.41% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 474 | 217 | 23.8% | 34.1% | 7.50% | $85M |
| 2024 | 553 | 260 | 24.1% | 33.6% | 7.25% | $121M |
| 2025 | 466 | 232 | 15.9% | 23.3% | 7.25% | $136M |
What Lone Star National Bank 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, 3 manufactured homes, 147 investment properties.
Why Lone Star National Bank denies applications
Primary reason reported for each of the 74 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Lone Star National Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 43 | 15 | 54.3% |
| $50k – $100k | 120 | 41 | 43.8% |
| $100k – $150k | 61 | 28 | 17.1% |
| $150k – $250k | 68 | 31 | 13.5% |
| Over $250k | 77 | 44 | 13.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 87 | 40 | 23.2% |
| 35–44 | 99 | 48 | 23.1% |
| 45–54 | 96 | 40 | 32.8% |
| 55–64 | 67 | 27 | 28.6% |
| 65–74 | 26 | 9 | 52.6% |
Where Lone Star National Bank lends
2 states and 20 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 465 | 231 | 15.9% | 7.25% | #274 |
Frequently asked questions
Lone Star National Bank denied 23.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 14th percentile of small mortgage lenders.
The most common reason Lone Star National Bank gave in 2025 was "debt-to-income ratio", cited on 52.7% 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 National Bank originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.61 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 55% of its applications were for home purchases, 42% for refinancing (including cash-out), and 3% for home improvement or other purposes. By loan type: 86% conventional, 12% FHA, 1% 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.