Lone Star Federally Insured State-Chartered Credit Union
Lone Star Federally Insured State-Chartered Credit Union received 155 applications in 2025 and made 69 mortgages, in 16 counties across 1 state. The median rate its borrowers got was 7.250% on a median loan of $105,000. Of 126 decisions, 55 were denials — 43.7%, most often for credit history. 33 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300V315P16H3FSD37 |
|---|---|
| Applications received | 155 |
| Mortgages made | 69 |
| Denied | 55 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 29 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 19 | 7.500% | $75,000 | 47.4% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Other purposes | 40 | 7.250% | $95,000 | 43.8% |
Where Lone Star Federally Insured State-Chartered Credit Union lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kaufman County, TX | 25 | 7.250% | 21.2% |
| Hunt County, TX | 21 | 7.500% | 16.0% |
| Dallas County, TX | 11 | 7.250% | 20.0% |
| Rockwall County, TX | 3 | Under 10 loans | 25.0% |
| Cass County, TX | 1 | Under 10 loans | 0.0% |
| Collin County, TX | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 1 | Under 10 loans | 0.0% |
| Rains County, TX | 1 | Under 10 loans | 50.0% |
| Smith County, TX | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Van Zandt County, TX | 1 | Under 10 loans | 75.0% |
| Wise County, TX | 1 | Under 10 loans | 0.0% |
| Wood County, TX | 1 | Under 10 loans | 0.0% |
| Fannin County, TX | 0 | Under 10 loans | 100.0% |
| Henderson County, TX | 0 | Under 10 loans | 100.0% |
| Lamar County, TX | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.