Lone Star National Bank Mortgage Rates, Fees & Info

Pharr, TX

LEI: 549300IRQPG1Q6VZ8Y58

Tax ID: 74-2237409

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • 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)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • 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 Dallas among others. We have data for 12 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 a low 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 5/4/24
    30 Year Conventional Purchase 6.80% 5/4/24
    30 Year Conventional Refi 5.78% 5/4/24
    30 Year Cash-out Refi 7.39% 5/4/24
    30 Year FHA Purchase 6.27% 5/4/24
    30 Year FHA Refi 6.27% 5/4/24
    30 Year VA Purchase 6.27% 5/4/24
    30 Year VA Refi 6.27% 5/4/24
    15 Year Conventional Purchase 5.80% 5/4/24
    15 Year Conventional Refi 6.39% 5/4/24
    15 Year Cash-out Refi 6.39% 5/4/24
    15 Year FHA Refi 5.68% 5/4/24
    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

    325

    Origination Dollar Volume (All Markets)

    $83,955,000

    Employee count

    643

    Awards

    Lone Star National Bank 30 Year Conventional Loans silver Lone Star National Bank 30 Year Conventional Loans bronze
    Show all (2) awards

    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) 215 $61,175,000 $284,535 $4,472 5.31%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 69 $13,475,000 $195,290 $3,642 5.22%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 13 $4,385,000 $337,308 $5,736 5.48%
    Rio Grande City-Roma, TX (FHA|USDA|VA) 13 $2,395,000 $184,231 $4,661 4.44%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 4 $860,000 $215,000 $8,588 5.53%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $655,000 $218,333 $6,520 5.42%
    Raymondville, TX (FHA|USDA|VA) 2 $430,000 $215,000 $2,044 4.38%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.00%
    Alice, TX (FHA|USDA|VA) 2 $110,000 $55,000 $0 6.25%
    Outside of Metro Areas 1 $95,000 $95,000 $1,523 4.75%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.13%
    Kingsville, TX (FHA|USDA|VA) 1 $75,000 $75,000 $4,551 4.38%
    Lone Star National Bank's top markets include Mcallen, Brownsville, San Antonio, Rio Grande City, and Dallas 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.

    Lone Star National Bank
    Similarity Rank: 1164
    Town Square Mortgage & Investments, Inc.
    Similarity Rank: 1350
    NAVY ARMY COMMUNITY CREDIT UNION
    Similarity Rank: 1425
    International Bank of Commerce
    Similarity Rank: 1519
    SECURITY SERVICE
    Similarity Rank: 1575
    AMERICA'S CHOICE HOME LOANS LP
    Similarity Rank: 1584
    THRIVE MORTGAGE, LLC
    Similarity Rank: 2016
    KELLER MORTGAGE, LLC
    Similarity Rank: 2290
    CLEARPATH LENDING
    Similarity Rank: 2730
    Loan Simple, Inc.
    Similarity Rank: 3267

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 288 $76,540,000 $265,764 $3,793 5.39%
    FHA 36 $6,980,000 $193,889 $7,027 4.34%
    VA 1 $435,000 $435,000 $26,014 3.13%

    For 2019, Lone Star National Bank's most frequently originated type of loan was Conventional, with 288 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 271 $70,485,000 $260,092 $4,074 5.26%
    Refi 32 $9,930,000 $310,313 $5,739 5.13%
    Cash Out Refi 21 $3,475,000 $165,476 $6,552 5.54%
    Other 1 $65,000 $65,000 $0 6.25%

    For 2019, Lone Star National Bank's most frequently cited loan purpose was Home Purchase, with 271 originations. The 2nd most popular reason was Refi, with 32 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 154 $30,890,000 $200,584 $4,577 4.71%
    Other 70 $24,950,000 $356,429 $3,696 5.81%
    20 Year 48 $19,000,000 $395,833 $6,152 6.21%
    15 Year 39 $6,775,000 $173,718 $4,702 4.96%
    5 Year 8 $970,000 $121,250 $0 6.39%
    10 Year 3 $295,000 $98,333 $0 6.42%
    30+ year 1 $175,000 $175,000 $1,840 4.88%
    1 Year 1 $455,000 $455,000 $0 6.75%
    3 Year 1 $445,000 $445,000 $0 5.35%

    For 2019, Lone Star National Bank's most frequently cited loan duration was 30 Year, with 154 originations. The 2nd most popular length was Other, with 70 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 128 $29,140,000 $227,656
    $1k-2k 52 $10,320,000 $198,462
    $2k-3k 22 $3,010,000 $136,818
    $3k-4k 22 $4,440,000 $201,818
    $5k+ 8 $3,530,000 $441,250
    $4k-5k 7 $1,755,000 $250,714

    Lone Star National Bank's average total fees were $4,577, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 128 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 119 $39,495,000 $331,891
    4-5% 114 $23,920,000 $209,825
    6-7% 60 $14,260,000 $237,667
    3-4% 28 $5,810,000 $207,500
    7-8% 3 $325,000 $108,333
    <2.5% 1 $145,000 $145,000

    During 2019, Lone Star National Bank's average interest rate for loans was 4.71%, while their most frequently originated rate bucket for loans was 5-6%, with 119 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 126 $19,050,000 $151,190 $4,105 5.00%
    $200k-400k 108 $28,390,000 $262,870 $4,327 5.34%
    $100,000 or less 51 $3,705,000 $72,647 $3,711 5.60%
    $400k-600k 26 $11,950,000 $459,615 $6,379 5.21%
    $600k-1MM 10 $7,420,000 $742,000 $6,115 6.09%
    $1MM+ 4 $13,440,000 $3,360,000 $0 5.78%

    2019 saw Lone Star National Bank place emphasis on $100k-200k loans with 126 originations, totaling $19,050,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 66 $10,380,000 $157,273 $3,840 5.00%
    $100k-150k 57 $14,095,000 $247,281 $4,053 5.00%
    $50k or less 47 $5,405,000 $115,000 $3,607 5.16%
    $75k-100k 47 $10,325,000 $219,681 $4,578 5.28%
    $150k-250k 38 $10,620,000 $279,474 $5,200 5.46%
    $250k+ 26 $8,670,000 $333,462 $6,218 5.20%

    Lone Star National Bank lent most frequently to those with incomes in the $50k-75k range, with 66 originations. The second most popular income band? $100k-150k, with 57 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 48 $11,480,000 $239,167 $4,851 5.54%
    30-36% 34 $6,920,000 $203,529 $4,696 5.25%
    20-30% 34 $6,800,000 $200,000 $3,400 4.83%
    47% 15 $2,895,000 $193,000 $4,012 4.91%
    43% 14 $2,810,000 $200,714 $4,598 5.02%
    <20% 12 $3,500,000 $291,667 $5,954 5.00%
    45% 12 $2,430,000 $202,500 $4,604 5.22%
    44% 12 $2,530,000 $210,833 $5,074 5.16%
    42% 11 $2,045,000 $185,909 $4,308 4.32%
    36% 11 $2,295,000 $208,636 $3,852 5.33%
    49% 11 $2,325,000 $211,364 $4,371 4.82%
    41% 10 $2,240,000 $224,000 $4,573 5.00%
    39% 9 $1,655,000 $183,889 $4,781 5.01%
    40% 8 $1,490,000 $186,250 $2,378 4.59%
    48% 7 $1,065,000 $152,143 $4,729 4.57%
    46% 7 $2,295,000 $327,857 $3,584 5.20%
    >60% 6 $1,400,000 $233,333 $3,363 5.98%
    38% 5 $935,000 $187,000 $3,197 5.05%
    37% 4 $720,000 $180,000 $3,389 4.59%

    Lone Star National Bank lent most frequently to those with DTI ratios of 50-60%, with 48 originations. The next most common DTI ratio? 30-36%, with 34 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 270 $56,600,000 $209,630 $4,316 5.15%
    Not applicable 41 $23,765,000 $579,634 $0 6.08%
    Asian 8 $2,270,000 $283,750 $4,485 5.45%
    Black 4 $700,000 $175,000 $6,777 4.31%
    Asian Indian 2 $620,000 $310,000 $6,885 4.81%

    Approval Rates

    Total approvals of all applications
    82.57%

    Lone Star National Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    59.69%

    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 325 $83,955,000 $258,323

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 23 $21,265,000 $924,565
    Single Family (1-4 Units):Manufactured 1 $55,000 $55,000
    Single Family (1-4 Units):Site-Built 301 $62,635,000 $208,090

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 9 $695,000 $77,222 $3,391 5.83%
    40-60% 30 $5,150,000 $171,667 $3,874 5.06%
    60-80% 110 $31,010,000 $281,909 $4,366 5.50%
    80-100% 174 $46,130,000 $265,115 $4,472 5.11%
    Over 100% 2 $970,000 $485,000 $0 6.50%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Lone Star National Bank 101 America Drive Brownsville, TX 78520 Full Service B&M $3,940
    Lone Star National Bank 1100 S. Bryan Rd Mission, TX 78572 Full Service B&M $24,721
    Lone Star National Bank 117 South 10th Edinburg, TX 78539 Full Service B&M $69,170
    Lone Star National Bank 118 South Cage Pharr, TX 78577 Full Service B&M $23,568
    Lone Star National Bank 1200 Boca Chica Blvd Brownsville, TX 78526 Full Service B&M $20,487
    Lone Star National Bank 1300 E. Ridge Rd. Mcallen, TX 78501 Full Service B&M $48,634
    Lone Star National Bank 1505 West Freddy Gonzalez Dr Edinburg, TX 78539 Full Service B&M $7,922
    Lone Star National Bank 15236 Huebner Road San Antonio, TX 78231 Full Service B&M $18,632
    Lone Star National Bank 1901 North Ed Carey Harlingen, TX 78550 Full Service B&M $69,870
    Lone Star National Bank 200 Lindberg Mcallen, TX 78501 Full Service B&M $68,358
    Lone Star National Bank 2003 East Griffin Parkway Mission, TX 78572 Full Service B&M $70,795
    Lone Star National Bank 201 North Texas Street Rio Grande City, TX 78582 Full Service B&M $11,186
    Lone Star National Bank 206 West Ferguson Street Pharr, TX 78577 Full Service B&M $134,203
    Lone Star National Bank 2109 South 10th Street Mcallen, TX 78503 Full Service B&M $12,794
    Lone Star National Bank 214 S. Texas Blvd Weslaco, TX 78596 Full Service B&M $63,621
    Lone Star National Bank 2300 East Highway 83 Rio Grande City, TX 78582 Full Service B&M $78,075
    Lone Star National Bank 305 East Grant (U.S. Highway 83) Roma, TX 78584 Full Service B&M $71,131
    Lone Star National Bank 3300 North Expressway 83 Brownsville, TX 78521 Full Service B&M $90,266
    Lone Star National Bank 3424 Paesanos Parkway St 102 San Antonio, TX 78231 Full Service B&M $4
    Lone Star National Bank 3605 Buddy Owens Blvd Mcallen, TX 78504 Full Service B&M $3,652
    Lone Star National Bank 381 West Loop 1604 San Antonio, TX 78258 Full Service B&M $12,956
    Lone Star National Bank 520 East Nolana Avenue Mcallen, TX 78504 Full Service B&M $714,826
    Lone Star National Bank 5515 North Tenth Street Mcallen, TX 78504 Full Service B&M $108,259
    Lone Star National Bank 5537 N. Mccoll Rd. Mcallen, TX 78504 Full Service B&M $47,399
    Lone Star National Bank 600 E. Nolana Ave. Mcallen, TX 78504 Full Service B&M $69,877
    Lone Star National Bank 601 Padre Boulevard South Padre Island, TX 78597 Full Service B&M $16,694
    Lone Star National Bank 605 S. Alton Blvd. Mission, TX 78573 Full Service B&M $1,234
    Lone Star National Bank 620 West Expressway 83 Weslaco, TX 78596 Full Service B&M $12,805
    Lone Star National Bank 633 South International Boulevard Hidalgo, TX 78557 Full Service B&M $17,381
    Lone Star National Bank 6986 S. Zarzamora Street San Antonio, TX 78224 Full Service B&M $5,904
    Lone Star National Bank 720 East Veterans Blvd. Mission, TX 78572 Full Service B&M $31,723
    Lone Star National Bank 7954 Fredericksburg Rd San Antonio, TX 78229 Full Service B&M $6,980
    Lone Star National Bank 800 North Main Street, Suite 600 Mcallen, TX 78501 Full Service B&M $4,198

    For 2019, Lone Star National Bank had 33 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $91,070
    Net interest income $71,474
    Total noninterest income $25,389
    Gross Fiduciary activities income $44
    Service charges on deposit accounts $8,828
    Trading account gains and fees $0
    Additional Noninterest Income $16,517
    Pre-tax net operating income $27,958
    Securities gains (or losses, -) $2,291
    Income before extraordinary items $25,075
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $25,075
    Minority interest net income $0
    Net income $25,075
    Sale, conversion, retirement of capital stock, net $-182
    Net operating income $23,173

    Lone Star National Bank's gross interest income from loans was $91,070,000.
    Lone Star National Bank's net interest income from loans was $71,474,000.
    Lone Star National Bank's fee based income from loans was $8,828,000.
    Lone Star National Bank's net income from loans was $25,075,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $19,596
    Provision for credit losses $0
    Total noninterest expense $68,905
    Salaries and employee benefits $39,802
    Premises and equipment expense $8,555
    Additional noninterest expense $20,548
    Applicable income taxes $5,174
    Net charge-offs $-39
    Cash dividends $12,500

    Lone Star National Bank's interest expense for loans was $19,596,000.
    Lone Star National Bank's payroll and benefits expense were $39,802,000.
    Lone Star National Bank's property, plant and equipment expenses $8,555,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 2.0%
    Real Estate loans 2.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 3.0%
    Multifamily residential loans 3.0%
    1-4 family residential loans 2.0%
    HELOC loans 0.0%
    All other family 2.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,013,878
    Deposits held in domestic offices $2,013,878
    Deposits by Individuals, partnerships, and corporations $1,236,166
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $777,712
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $576,468
    Demand deposits $303,078
    Nontransaction accounts $1,437,410
    Money market deposit accounts (MMDAs) $823,532
    Other savings deposits (excluding MMDAs) $109,011
    Total time deposits $504,867
    Total time and savings deposits $1,710,800
    Noninterest-bearing deposits $303,071
    Interest-bearing deposits $1,710,807
    Retail deposits $1,709,331
    IRAs and Keogh plan accounts $14,291
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,418,865
    Cash & Balances due from depository institutions $191,192
    Interest-bearing balances $157,112
    Total securities $728,105
    Federal funds sold & reverse repurchase $190,000
    Net loans and leases $1,146,831
    Loan and leases loss allowance $21,764
    Trading account assets $0
    Bank premises and fixed assets $56,773
    Other real estate owned $12,954
    Goodwill and other intangibles $1,298
    All other assets $91,712

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,418,865
    Total Liabilities $2,139,027
    Total deposits $2,013,878
    Interest-bearing deposits $1,710,807
    Deposits held in domestic offices $2,013,878
    % insured (estimated) $42
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $117,795
    Subordinated debt $0
    All other liabilities $7,354

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,146,831
    Loan and leases loss allowance $21,764
    Total loans and leases (domestic) $1,168,595
    All real estate loans $1,022,779
    Real estate loans in domestic offices $1,022,779
    Construction and development loans $149,073
    Residential 1-4 family construction $36,036
    Other construction, all land development and other land $113,037
    Loans secured by nonfarm nonresidential properties $542,262
    Nonfarm nonresidential secured by owner-occupied properties $226,816
    Commercial real estate & other non-farm, non-residential $315,446
    Multifamily residential real estate $96,846
    1-4 family residential loans $206,719
    Farmland loans $27,879
    Loans held in foreign offices $0
    Farm loans $818
    Commercial and industrial loans $83,773
    To non-U.S. addressees $7,047
    Loans to individuals $23,881
    Credit card loans $3
    Related Plans $0
    Consumer Auto Loans $3,009
    Other loans to individuals $20,869
    All other loans & leases $37,345
    Loans to foreign governments and official institutions $0
    Other loans $23,418
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $7,843
    Loans secured by real estate to non-U.S. addressees $15,912
    Restructured Loans & leases $3,286
    Non 1-4 family restructured loans & leases $2,960
    Total loans and leases (foreign) $0

    Lone Star National Bank had $1,146,831,000 of loans outstanding in 2019. $1,022,779,000 of loans were in real estate loans. $149,073,000 of loans were in development loans. $96,846,000 of loans were in multifamily mortgage loans. $206,719,000 of loans were in 1-4 family mortgage loans. $818,000 of loans were in farm loans. $3,000 of loans were in credit card loans. $3,009,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 543 $113,935 $209,825
    Nonfarm, nonresidential loans - <$100k 80 $3,836 $47,950
    Nonfarm, nonresidential loans - $100-250k 205 $22,828 $111,356
    Nonfarm, nonresidential loans - $250k-1MM 258 $87,271 $338,260
    Commercial & Industrial, US addressed loans - <$1MM 598 $45,850 $76,672
    Commercial & Industrial, US addressed loans - <$100k 398 $10,747 $27,003
    Commercial & Industrial, US addressed loans - $100-250k 105 $9,756 $92,914
    Commercial & Industrial, US addressed loans - $250k-1MM 95 $25,347 $266,811
    Farmland loans - <$1MM 71 $6,826 $96,141
    Farmland loans - <$100k 29 $1,302 $44,897
    Farmland loans - $100-250k 33 $3,335 $101,061
    Farmland loans - $250k-1MM 9 $2,189 $243,222
    Agriculture operations loans - <$1MM 5 $257 $51,400
    Agriculture operations loans - <$100k 3 $82 $27,333
    Agriculture operations loans - $100-250k 2 $175 $87,500