LEI 549300IRQPG1Q6VZ8Y58 · PHARR, TX
Lone Star National Bank
Denial sits in the upper fleet tercile at 24.1% across 553 HMDA applications, a stricter underwriting book than most reporters.
Denial tercile vs fleet
Lone Star National Bank posts a 24.1% denial rate, above the fleet's upper tercile (~13.79%) - across 553 applications with 260 originations. Leading cited denial reason: debt-to-income ratio. Volume rank is still not origination-share rank.
- n/a
- Below 1,000-app share board
- 47.0%
- Origination share
- 260
- Originated
- 24.1%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
553reported applications
Where Lone Star National Bank sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
260 Top 36% higher than 64% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Lone Star National Bank
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · Lone Star National Bank
Lender-reported HMDA denial-reason counts (top reasons shown).
Mid-volume reporter. Lone Star National Bank's 47.0% origination rate and 24.1% denial rate sit on a mid-tercile originated book (260 funded; fleet band ~78-310). Approval and denial do not sum to 100% - HMDA also records withdrawals, incompletes, and purchased loans. Most-cited denial codes: Debt-to-income ratio, Other, Credit history. Program weight concentrates in Conventional (457 applications).
How to read Lone Star National Bank. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Lone Star National Bank
Lone Star National Bank filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 457 | 223 | 114 | $358,851 |
| FHA | 87 | 36 | 16 | $239,138 |
| VA | 6 | 1 | 2 | $291,667 |
| USDA | 3 | 0 | 1 | $201,667 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Lone Star National Bank (LEI: 549300IRQPG1Q6VZ8Y58) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 299 | 196 | $459,950 |
| Cash-out Refinancing | 166 | 33 | $162,831 |
| Refinancing | 81 | 26 | $266,358 |
| Home Improvement | 7 | 5 | $146,429 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 431 | 42.7% | 26.4% |
| Asian * | 15 | 40.0% | 20.0% |
| American Indian or Alaska Native * | 3 | 0.0% | 66.7% |
| Black or African American * | 3 | 100.0% | 0.0% |
| Joint * | 3 | 0.0% | 66.7% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Hispanic or Latino | 426 | 42.3% | 27.5% |
| Not Hispanic or Latino | 53 | 41.5% | 22.6% |
| Joint * | 10 | 70.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Nearby Lenders in TX
Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.
One of 404 other HMDA-reporting lenders in TX, 5 are shown here.
Nationstar Mortgage
Coppell, TX
DHI Mortgage Company, LTD.
Austin, TX
PRIMELENDING
DALLAS, TX
Credit Human Federal Credit Un
San Antonio, TX
Usaa Bank
SAN ANTONIO, TX
Read with Lone Star National Bank
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 for Lone Star National Bank (LEI 549300IRQPG1Q6VZ8Y58).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Informational only, not mortgage advice for applicants at Lone Star National Bank.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Lone Star National Bank page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.