Lone Star National Bank in Texas vs the state
15.9%Denial rate-3.52 pts vs state
23.4%Decision denial rate-1.48 pts vs state
49.7%Origination rate-5.20 pts vs state
7.25%Median rate+0.75 pts vs state
0.61Rate spread (pts)+0.42 pts vs state
$112kMedian applicant income
231Loans originated
74Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 470 | 215 | 23.8% | 7.63% | #262 |
| 2024 | 553 | 260 | 24.1% | 7.25% | #241 |
| 2025 | 465 | 231 | 15.9% | 7.25% | #274 |
What Lone Star National Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Lone Star National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hidalgo County | 270 | 148 | 47 | 17.4% |
| Cameron County | 111 | 43 | 16 | 14.4% |
| Bexar County | 38 | 17 | 6 | 15.8% |
| Starr County | 25 | 11 | 5 | 20.0% |
| Nueces County | 3 | 3 | 0 | 0.0% |
| Comal County | 3 | 0 | 0 | 0.0% |
| Harris County | 3 | 2 | 0 | 0.0% |
| Victoria County | 1 | 0 | 0 | 0.0% |
| Aransas County | 1 | 1 | 0 | 0.0% |
| Johnson County | 1 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 465 applications in 2025, of which 231 were originated and 74 denied.
15.9% of all applications, or 23.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Lone Star National Bank originated in Texas in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Lone Star National Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology