Lone Star National Bank mortgage approval rate & lending review
Lone Star National Bank decided 888 mortgage applications and funded 585 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Lone Star National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Lone Star National Bank at a glance
Approval is 12.9 points below the 80.4% 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 | 82% | 277 / 338 | 99% | $335K | 273 |
| Cash-out refinance | 28% | 63 / 222 | 87% | $125K | 55 |
| Refinance | 51% | 41 / 80 | 98% | $275K | 40 |
| Investment property purchase | 96% | 170 / 177 | 99% | $175K | 169 |
| Investment cash-out refinance | 50% | 17 / 34 | 100% | $145K | 17 |
| Investment refinance | 84% | 21 / 25 | 95% | $195K | 20 |
Lone Star National Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 68% | $275K | 886 | 584 |
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 Lone Star National Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hidalgo County, TX | Mortgage lenders | 84% | 238 | 197 |
| Hidalgo County, TX | Investment property purchase | 95% | 105 | 99 |
| Cameron County, TX | Investment property purchase | 98% | 52 | 51 |
| Hidalgo County, TX | Cash-out refinance | 32% | 156 | 44 |
| Cameron County, TX | Mortgage lenders | 75% | 53 | 39 |
| Hidalgo County, TX | Refinance | 57% | 47 | 26 |
| Cameron County, TX | Refinance | 38% | 29 | 11 |
| Cameron County, TX | Cash-out refinance | 18% | 57 | 8 |
The county markets where Lone Star National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Lone Star National Bank
What is Lone Star National Bank's mortgage approval rate?
Lone Star National Bank approved 67.6% of the 888 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.9 points below the 80.4% national rate for the same mix of loan types.
How often do borrowers take the loan Lone Star National Bank offers?
Borrowers accepted 98% of the loans Lone Star National 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 Lone Star National Bank make?
The typical home purchase mortgage loan Lone Star National Bank made was $335K; across all loan types its typical loan ran from $125K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Lone Star National Bank lend?
Lone Star National Bank decided applications in 3 of the states Fat Boy Data covers, most of them in Texas, California and Utah.
Can I apply to Lone Star National Bank directly?
Yes. Lone Star National Bank is a bank or credit union with 36 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Lone Star National 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 Lone Star National Bank treats applications, then get a rate quote from the lender.