At a glance
From its website, read 2 Nov 2026Lone Star National Bank is a bank or thrift based in McAllen, Texas. Its website describes auto loans. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (800) 580-0322 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.lonestarnationalbank.com |
| Office (official list) | 520 E Nolana, McAllen, TX 78504 |
What their website says about applying
A valid driver’s license.
sourceRecent pay stubs as proof of income.
sourceBank statements and financial records.
sourceBegin your auto loan application online or visit our branches across the Rio Grande Valley to San Antonio for personalized car financing options.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Low or damaged credit considered
Perfect credit is not a prerequisite for an LSNB auto loan.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 16 Jan 2025 |
| RSSD ID | 842460 |
| Address | 520 E Nolana, McAllen, TX 78504 Directions to the main office (Google Maps) |
| Website | www.lonestarnationalbank.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts and several loan product details were not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Begin your auto loan application online or visit our branches across the Rio Grande Valley to San Antonio for personalized car financing options. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Begin your auto loan application online
source
Pages read (7)
- https://www.lonestarnationalbank.com/
- https://www.lonestarnationalbank.com/equal-housing-lender/
- https://www.lonestarnationalbank.com/banking/personal/personal-loans/
- https://www.lonestarnationalbank.com/banking/business/business-loans/
- https://www.lonestarnationalbank.com/banking/personal/lsnb-credit-cards/
- https://www.lonestarnationalbank.com/banking/personal/personal-loans/lot-loans/
- https://www.lonestarnationalbank.com/banking/personal/personal-loans/auto-loans/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$436,569 in 3 awards from the U.S. Treasury's CDFI Fund, 2000–2024 (Bank Enterprise Award Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2002 | Bank Enterprise Award Program | $110,000 |
| 2000 | Bank Enterprise Award Program | $46,200 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Lone Star National Bank (FDIC cert 24347). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $3.3 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 36 (as of 30 Oct 2026) |
Offices by state and county (36)
Texas (36 offices)
- Bexar County (5): 15236 Huebner Rd, San Antonio 78231; 3424 Paesanos Parkway St 102, San Antonio 78231; 381 West Loop 1604, San Antonio 78258; 6986 S Zarzamora St, San Antonio 78224; 7954 Fredericksburg Rd, San Antonio 78229
- Cameron County (6): 101 America Dr, Brownsville 78526; 2100 Boca Chica Blvd, Brownsville 78521; 3100 N Indiana Ave, Brownsville 78526; 3300 North Expressway 83, Brownsville 78521; 1901 N Ed Carey Dr, Harlingen 78550; 601 Padre Blvd, South Padre Island 78597
- Hidalgo County (21): 206 W Ferguson St, Pharr 78577 (main office); 605 S. Alton Blvd., Alton 78573; 117 S 10th Ave, Edinburg 78539; 1505 W Freddy Gonzalez Dr, Edinburg 78539; 633 S International Blvd, Hidalgo 78557; 1300 E Ridge Rd, Mcallen 78503; 200 Lindberg Ave, Mcallen 78501; 2109 S 10th St, Mcallen 78503; 3605 Buddy Owens Ave, Mcallen 78504; 4500 N 10th St, Mcallen 78504; 520 E Nolana Ave, Mcallen 78504; 5515 N 10th St, Mcallen 78504; 5537 N Mccoll Rd, Mcallen 78504; 600 E Nolana Ave, Mcallen 78504; 800 N Main St, Mcallen 78501; 1100 S Bryan Rd, Mission 78572; 2003 E Griffin Pkwy, Mission 78572; 720 E Veterans Blvd, Mission 78572; 300 S Cage Blvd, Pharr 78577; 214 S Texas Blvd, Weslaco 78596; 620 W Expressway 83, Weslaco 78599
- Starr County (4): 129 N Fm 3167, Rio Grande City 78582; 201 N Texas St, Rio Grande City 78582; 2300 E Main St, Rio Grande City 78582; 305 East Grant (u.S. Highway 83), Roma 78584
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Lone Star National Bank (RSSD 842460, FDIC cert 24347). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $1.77 billion (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 4.0% from $1.71 billion on 30 Jun 2025 |
| Total assets | $3.28 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $267.8 million | 15.1% |
| Home equity lines of credit | $8.7 million | 0.5% |
| Commercial real estate, construction and multifamily | $1.27 billion | 71.6% |
| Commercial and industrial (business) loans | $120.1 million | 6.8% |
| Farmland and farm production loans | $14.1 million | 0.8% |
| Consumer loans (credit cards, auto, other) | $20 million | 1.1% |
| All other loans and leases | $73.1 million | 4.1% |
Within consumer loans: auto loans $4.4 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 37 loans $1.3 million | 878 loans $16 million |
| $100,001 to $250,000 | 178 loans $19.1 million | 222 loans $15.5 million |
| $250,001 to $1 million | 302 loans $96.6 million | 154 loans $28.9 million |
| All small business loans | 517 loans $117 million | 1,254 loans $60.4 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 13 loans $651,000 | 30 loans $487,000 |
| $100,001 to $250,000 | 18 loans $1.4 million | 1 loan $250,000 |
| $250,001 to $500,000 | 10 loans $1.8 million | none reported |
| All small farm loans | 41 loans $3.9 million | 31 loans $737,000 |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Lone Star National Bank reported 232 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $136M (median loan about $280,000). 162 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 162 | 70% |
| Refinance (incl. 21 cash-out) | 61 | 26% |
| Home improvement | 9 | 3.9% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 199 | 86% |
| FHA-insured | 27 | 12% |
| VA-guaranteed | 6 | 2.6% |
Included above: 27 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 14 counties with at least one; 100% of its 2025 loans were for properties in Texas:
- Hidalgo County, TX (148)
- Cameron County, TX (43)
- Bexar County, TX (17)
- Starr County, TX (11)
- Nueces County, TX (3)
Filed under LEI 549300IRQPG1Q6VZ8Y58 as “LONE STAR NATIONAL BANK”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $150,000 (59 loans) | All 7(a) lenders in Texas: $347,900. Larger than the median loan of 42% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| Variable-rate 7(a) loans: rate over prime at approval, FY2024–26 | median 1.5 pts, half between 1 pts and 1.75 pts (32 loans; 0% at the SBA maximum) | All lenders in Texas: median 2.75 pts, 11% at the maximum (12,232 loans). |
| SBA approvals, FY2023–24 → FY2025–26 | 16 → 28 | Rank among the 10 certified CDFIs in Texas with SBA approvals in either period: 3 → 3. |
| Total assets (Call Report, 30 Jun 2026) | $3.28 billion | Larger than 92% of the 12 other certified banks and bank holding companies in Texas (median $301.2 million). |
| Loans as a share of assets | 54% | Median of the same 12 banks and bank holding companies: 61%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.71 billion → $1.77 billion (+4%) | Median change of 12 other certified banks and bank holding companies in Texas: +8%. Rank by loans held among these 13: 1 → 1. |
| Home loans originated in 2025 (HMDA) | 232 | More than 70% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 42% |
| Rate over prime | all variable-rate 7(a) loans in Texas, FY2024–26 | 12,232 | median 1.5 pts vs 2.75 pts |
| SBA approvals then vs now | certified CDFIs in Texas with SBA approvals FY2023–2026 | 9 | rank 3 → 3 of 10 |
| Call Report total assets | other certified banks and bank holding companies in Texas | 12 | larger than 92% |
| Loans held then vs now | certified banks and bank holding companies in Texas reporting both dates | 12 | rank 1 → 1 of 13 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 70% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 60 SBA-backed approvals for Lone Star National Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 59 7(a) loans as the lender: $15M in total (gross amount approved), median $150,000
- 1 504 projects as the third-party (first-lien) lender
By fiscal year: FY2020 3 · FY2021 5 · FY2022 8 · FY2023 4 · FY2024 12 · FY2025 28 · FY2026 0.
What actually happened
- Size of its 7(a) loans: half were between $67,500 and $367,500, median $150,000 (59 loans)
- Term of its 7(a) loans: median 90 months (8 years) (59 loans)
- Interest rate at approval on its 7(a) loans in FY2025–26: median 9.00%, half between 8.50% and 9.25% (28 loans; SBA's initial rate, before any change on a variable loan)
- Fixed or variable: 20% of its 7(a) loans had a fixed rate (59 loans)
- Young businesses: 66% of its 7(a) loans went to a startup or a business two years old or less (59 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (59, 98%)
- 504 projects (as the third-party lender) (1, 2%)
Borrower industries
NAICS sector, 3 or more loans.
- Health care and social assistance (13)
- Accommodation and food services (9)
- Arts, entertainment, and recreation (9)
- Transportation and warehousing (7)
- Other services (except public administration) (5)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Hidalgo County, TX (44)
- Willacy County, TX (4)
- Bexar County, TX (3)
- Cameron County, TX (3)
How this lender was matched in the SBA files: FDIC cert 24347, found through the RSSD ID on the CDFI Fund list (SBA lists “Lone Star National Bank”); 504 third-party lender name: same name, state and city (SBA lists “Lone Star National Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Lone Star National Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in McAllen and Texas
- Affordable Homes of South Texas, Inc.Loan fund · McAllen, TXHome repair / improvement loans, Home mortgagesVerified
- LONE STAR NATIONAL BANCSHARES--TEXAS, INC.Bank holding company · McAllen, TXOfficial list only
- BORDERPLEX COMMUNITY CAPITAL, INCLoan fund · El Paso, TXCommercial real estate loans, Equipment loans, Microloans, Small-business loansVerified
- Border Federal Credit UnionCredit union · Del Rio, TXAuto / vehicle loans, Personal / consumer loansVerified
- Business Investment GrowthLoan fund · Austin, TXMicroloansVerified
- Business and Community Lenders (BCL) of TexasLoan fund · Austin, TXCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
Work at Lone Star National Bank? Link to this page
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