Mortgage lending in Cross County, Arkansas
Lenders in Cross County, Arkansas reported 593 mortgage applications for 2025, according to the CFPB.
593 mortgage applications and 316 loans originated in 2025; the denial rate was 30.9% of 502 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cross County, AR.
- 593
- Applications
- 316
- Loans originated
- 30.9%
- Denial rate
- 155 denied of 502 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 593 | 316 |
| 2024 | 435 | 189 |
| 2023 | 480 | 226 |
| 2022 | 487 | 236 |
| 2021 | 645 | 405 |
| 2020 | 534 | 321 |
| 2019 | 492 | 274 |
| 2018 | 477 | 239 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| FirstTrust Home Loans | 65 | 72 |
| Cross Bank | 36 | 37 |
| Rocket Mortgage | 26 | 38 |
| First Financial Bank | 15 | 18 |
| 21ST Mortgage | 11 | 48 |
| Flat Branch Mortgage, Inc. | 10 | 10 |
| Pennymac Loan Services LLC | 9 | 23 |
| Everett Financial, Inc. | 8 | 9 |
| Arkansas Federal Credit Union | 7 | 18 |
| First National Bank of Eastern Arkansas | 7 | 7 |
| Farm Credit Mid-America, Aca | 6 | 7 |
| United Wholesale Mortgage | 6 | 10 |
| Evolve Bank & Trust | 5 | 6 |
| Arvest Bank | 5 | 6 |
| Vanderbilt Mortgage and Finance, Inc | 4 | 37 |
| Primary Residential Mortgage, INC. | 4 | 4 |
| Partners Bank | 4 | 6 |
| Freedom Mortgage Corporation | 4 | 7 |
| Fairway Independent Mort Corp | 4 | 4 |
| Navy Federal Credit Union | 3 | 6 |
| Armor Bank | 3 | 3 |
| Premier Mortgage Resources, LLC | 3 | 3 |
| ClearPath Lending | 3 | 3 |
| Southern Bank | 3 | 4 |
| Cadence Bank | 3 | 3 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | 108 | 54.2% of 83 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 387 | 22.7% of 330 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 81 | 40.8% of 76 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 473 | 26.7% of 394 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 106 | 49.5% of 95 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 225 | 33.7% of 184 decided |
| Female | 130 | 34.6% of 104 decided |
| Joint | 181 | 22.0% of 159 decided |
| Sex Not Available | 57 | 40.0% of 55 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2119 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved