Lone Star National Bank Mortgage Rates, Fees & Info

Pharr, TX

LEI: 549300IRQPG1Q6VZ8Y58

Tax ID: 74-2237409

2.8 stars - Updated: 5/9/25 - out of 5 stars, based on 16 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Lone Star National Bank is a smaller bank specializing in Home Purchase loans. Lone Star National Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Mcallen, Brownsville, San Antonio, Rio Grande City, and Austin among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Lone Star National Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Lone Star National Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.02% 5/9/25
    30 Year Conventional Refi 6.92% 5/9/25
    30 Year Cash-out Refi 7.54% 5/9/25
    30 Year FHA Purchase 6.84% 5/9/25
    30 Year FHA Refi 6.49% 5/9/25
    30 Year VA Purchase 6.40% 5/9/25
    30 Year USDA Purchase 6.72% 5/9/25
    15 Year Conventional Purchase 6.64% 5/9/25
    15 Year FHA Purchase 6.00% 5/9/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Lone Star National Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Lone Star National Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    260

    Origination Dollar Volume (All Markets)

    $120,550,000

    Awards

    Lone Star National Bank FHA Loans gold Lone Star National Bank FHA Loans gold
    Show all (2) awards

    Relative Rate

    Lone Star National Bank's average 30 year fixed mortgage rate was 6.61%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of 0.06%.

    Relative Fees (Closing Costs)

    Lone Star National Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $10,341.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 154 $86,510,000 $561,753 $11,598 7.31%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 60 $18,200,000 $303,333 $9,946 7.77%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 20 $9,140,000 $457,000 $12,550 6.95%
    Rio Grande City-Roma, TX (FHA|USDA|VA) 15 $2,825,000 $188,333 $8,201 6.57%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $1,100,000 $550,000 $7,339 7.25%
    Alice, TX (FHA|USDA|VA) 3 $635,000 $211,667 $0 8.00%
    Outside of Metro Areas 1 $635,000 $635,000 $8,232 7.38%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $425,000 $425,000 $20,147 6.38%
    VICTORIA, TX (FHA|USDA|VA) 1 $405,000 $405,000 $10,322 7.50%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $390,000 $195,000 $12,454 5.81%
    LAREDO, TX (FHA|USDA|VA) 1 $285,000 $285,000 $5,750 7.25%
    Lone Star National Bank's top markets include Mcallen, Brownsville, San Antonio, Rio Grande City, and Austin among others.

    Their top states include:
  • Texas (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Lone Star National Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    COMMUNITY DEVELOPMENT CORP OF BROWNSVILLE
    Similarity Rank: 32
    ASCENT HOME LENDING, LLC
    Similarity Rank: 385
    Texas Regional Bank
    Similarity Rank: 512
    Lone Star National Bank
    Similarity Rank: 1045
    NAVY ARMY COMMUNITY CREDIT UNION
    Similarity Rank: 1080
    International Bank of Commerce
    Similarity Rank: 1440
    MORTGAGE FINANCIAL SERVICES, LLC
    Similarity Rank: 2511
    SECURITY SERVICE
    Similarity Rank: 2738
    DIRECTIONS EQUITY, LLC
    Similarity Rank: 2860
    CORNERSTONE HOME LENDING, INC.
    Similarity Rank: 3939

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 223 $110,565,000 $495,807 $10,631 7.58%
    FHA 36 $9,720,000 $270,000 $12,766 5.88%
    VA 1 $265,000 $265,000 $15,131 6.13%

    For 2024, Lone Star National Bank's most frequently originated type of loan was Conventional, with 223 originations. Their 2nd most popular type was FHA, with 36 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 196 $105,720,000 $539,388 $12,193 7.26%
    Cash Out Refi 33 $6,075,000 $184,091 $7,641 7.67%
    Refi 26 $7,960,000 $306,154 $6,907 7.15%
    Home Improvement 5 $795,000 $159,000 $0 9.35%

    For 2024, Lone Star National Bank's most frequently cited loan purpose was Home Purchase, with 196 originations. The 2nd most popular reason was Cash Out Refi, with 33 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 121 $35,355,000 $292,190 $10,341 6.61%
    5 Year 63 $40,205,000 $638,175 $0 8.74%
    Other 63 $40,785,000 $647,381 $13,093 7.42%
    15 Year 8 $3,090,000 $386,250 $8,196 6.40%
    20 Year 2 $320,000 $160,000 $7,242 6.00%
    3 Year 2 $440,000 $220,000 $0 9.50%
    10 Year 1 $355,000 $355,000 $0 8.75%

    For 2024, Lone Star National Bank's most frequently cited loan duration was 30 Year, with 121 originations. The 2nd most popular length was 5 Year, with 63 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 82 $49,860,000 $608,049
    $2k-3k 30 $4,690,000 $156,333
    $4k-5k 30 $9,060,000 $302,000
    $3k-4k 19 $4,495,000 $236,579
    $<1k 11 $3,055,000 $277,727
    $1k-2k 8 $2,660,000 $332,500

    Lone Star National Bank's average total fees were $10,341, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 82 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 91 $63,285,000 $695,440
    6-7% 72 $27,290,000 $379,028
    Over 8% 61 $20,405,000 $334,508
    5-6% 35 $9,255,000 $264,429
    4-5% 1 $315,000 $315,000

    During 2024, Lone Star National Bank's average interest rate for loans was 6.61%, while their most frequently originated rate bucket for loans was 7-8%, with 91 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 106 $30,410,000 $286,887 $9,766 7.08%
    $100k-200k 49 $7,185,000 $146,633 $7,250 7.63%
    $400k-600k 43 $20,335,000 $472,907 $11,547 7.31%
    $600k-1MM 23 $17,945,000 $780,217 $17,010 7.33%
    $100,000 or less 22 $1,640,000 $74,545 $4,473 7.88%
    $1MM+ 17 $43,035,000 $2,531,471 $26,935 7.56%

    2024 saw Lone Star National Bank place emphasis on $200k-400k loans with 106 originations, totaling $30,410,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 58 $39,170,000 $675,345 $15,325 7.35%
    $100k-150k 49 $12,075,000 $246,429 $9,878 6.79%
    $150k-250k 38 $14,050,000 $369,737 $10,600 7.04%
    $50k-75k 22 $4,400,000 $200,000 $8,807 7.01%
    $75k-100k 21 $4,575,000 $217,857 $8,823 6.82%
    $50k or less 13 $1,995,000 $153,462 $7,812 6.65%

    Lone Star National Bank lent most frequently to those with incomes in the $250k+ range, with 58 originations. The second most popular income band? $100k-150k, with 49 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 26 $9,120,000 $350,769 $11,603 6.83%
    20-30% 26 $12,420,000 $477,692 $12,525 7.15%
    50-60% 24 $7,390,000 $307,917 $11,194 6.67%
    <20% 21 $12,955,000 $616,905 $13,693 7.35%
    48% 13 $4,825,000 $371,154 $11,280 7.03%
    47% 12 $4,450,000 $370,833 $10,943 7.32%
    39% 12 $4,760,000 $396,667 $10,474 6.81%
    49% 9 $2,875,000 $319,444 $8,423 7.11%
    36% 8 $2,550,000 $318,750 $9,309 6.61%
    37% 7 $2,685,000 $383,571 $12,284 7.18%
    46% 7 $1,985,000 $283,571 $8,909 6.67%
    42% 6 $2,390,000 $398,333 $16,124 8.54%
    43% 6 $1,780,000 $296,667 $10,901 6.65%
    44% 6 $1,670,000 $278,333 $11,080 6.64%
    40% 5 $1,095,000 $219,000 $7,503 7.28%
    45% 4 $850,000 $212,500 $8,109 6.59%
    41% 4 $1,400,000 $350,000 $9,506 6.78%
    >60% 4 $660,000 $165,000 $7,592 8.06%
    38% 2 $470,000 $235,000 $10,926 7.00%

    Lone Star National Bank lent most frequently to those with DTI ratios of 30-36%, with 26 originations. The next most common DTI ratio? 20-30%, with 26 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 184 $64,690,000 $351,576 $10,629 7.09%
    Not applicable 45 $40,095,000 $891,000 $0 8.65%
    Not provided 22 $12,150,000 $552,273 $14,465 6.80%
    Asian 6 $2,530,000 $421,667 $11,675 7.08%
    Black 3 $1,085,000 $361,667 $9,984 7.71%

    Approval Rates

    Total approvals of all applications
    75.95%

    Lone Star National Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    42.31%

    Lone Star National Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 260 $120,550,000 $463,654

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    260 $120,550,000 $463,654

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 11 $1,985,000 $180,455 $5,594 7.56%
    40-60% 29 $8,415,000 $290,172 $5,872 7.98%
    60-80% 86 $47,860,000 $556,512 $10,429 7.77%
    80-100% 132 $62,170,000 $470,985 $12,216 6.89%
    Under 20% 1 $35,000 $35,000 $0 9.50%