# Lone Star National Bank

> **Canonical URL:** https://saferate.com/lenders/lone-star-national-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Lone Star National Bank is a bank, headquartered in Pharr, TX, with 168 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 76% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 68% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300IRQPG1Q6VZ8Y58
- **Headquarters:** Pharr, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.445%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,016
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 168
- **Dollar Volume:** $67 million
- **Applications Received:** 419
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $401,131
- **Average Borrower Income:** $246,690
- **Average Property Value:** $474,521

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 48/100 | 114 | +0.562% | $3,973 | Sound ☺️ |
| FHA | 58/100 | 34 | +0.080% | $3,551 | Sound ☺️ |
| Jumbo | 71/100 | 19 | +0.932% | $8,402 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 79 loans, Score: 46/100 (Sound)
- Refinance: 35 loans, Score: 50/100 (Sound)

**FHA:**
- Purchase: 29 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 128 | $58M | +0.440% | Sound ☺️ |
| Refinance | 52/100 | 40 | $10M | +0.461% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 168 | 0.05% | 69/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| McAllen | TX | 96 | 84/100 |
| Brownsville | TX | 31 | 71/100 |
| San Antonio | TX | 19 | 51/100 |
| Non |  | 15 | 29/100 |

## Where This Lender Ranks

Lone Star National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in McAllen for Jumbo Loans
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in McAllen for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in McAllen for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Brownsville for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/brownsville/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Brownsville Banks
  - [View Full Rankings](https://saferate.com/brownsville/best-mortgage-lenders/banks)
- 🏆 **#7** in Brownsville for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/brownsville/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in McAllen Banks
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/banks)
- 🏆 **#9** in McAllen for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#19** in McAllen for FHA Loans
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does Lone Star National Bank offer?

Lone Star National Bank offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Lone Star National Bank offer mortgages?

Lone Star National Bank offers mortgages in 1 states: TX.

### How competitive are Lone Star National Bank's mortgage rates?

Lone Star National Bank has a pricing score of 24/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.445% above market average.

### What type of lender is Lone Star National Bank?

Lone Star National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Pharr, TX.

### What is Lone Star National Bank's loan approval success rate?

Lone Star National Bank has a pull-through score of 32/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/lone-star-national-bank

### How to Cite

> "Lone Star National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/lone-star-national-bank

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