Applications / Mortgage Analytics / Lenders / Texas / Lone Star National Bank
Pharr, TX · National bank · OCC · $3.3 billion assets · 232 loans in 2025
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232
loans originated, 2025
466
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lone Star National Bank, based in Pharr, TX, is among the ten largest mortgage lenders in both McAllen-Edinburg-Mission, TX and Brownsville-Harlingen, TX.
In McAllen-Edinburg-Mission, TX, where it has lent since at least 1990, it ranked 7 of 295 lenders with 3.8% of the market, down 0.7 points; its loans fell 11% in 2025, a possible reason. In Brownsville-Harlingen, TX it ranked 6 of 286, and its share rose 1.6 points to 3.4%.
Its typical loan was $280,000, against $200,000 at similar lenders (national banks making between half and twice as many loans). Jumbo loans (larger than the conforming limit) were 7.3% of its lending, against 2.0%. FHA loans (insured by the Federal Housing Administration) made up 11.6%; the typical peer made none.
Majority-minority neighborhoods took 91.4% of its loans, against 7.3% at peers, the highest share among them. The make-up of its main markets may explain it. Poorer neighborhoods (low- and moderate-income tracts) took 24.4%, against 15.7%. Borrowers with low and moderate incomes took 11.9%, against 24.7%; its larger loans may be one reason.
It made 232 loans in 2025, against 340 in 2020. But its dollar total rose from $88.6 million to $136.0 million, as its typical loan grew from $205,000. Home purchases made up 69.8% of its loans.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lone Star National Bank took 466 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.8% · Refinance 26.3% · Home improvement 3.9%
Conventional 85.8% · FHA 11.6% · VA 2.6% · of 232 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 231 | 99.6% |
| Florida | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| McAllen-Edinburg-Mission | 148 |
| Brownsville-Harlingen | 43 |
| San Antonio-New Braunfels | 19 |
| Corpus Christi | 4 |
| Houston-Pasadena-The Woodlands | 3 |
| Crestview-Fort Walton Beach-Destin | 1 |
| El Paso | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IRQPG1Q6VZ8Y58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 842460 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 117611 | 1990–2017 |
Established 24 January 1983. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Lone Star National Bank's data.
Lone Star National Bank's data
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Lone Star National Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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