Cross County Bank Mortgage Rates, Fees & Info
WYNNE, ARLEI: 254900RD08FFMO7DRN13
Tax ID: 71-0040460
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Mortgage Data
Review & Overview
Cross County Bank is a smaller bank specializing in Home Purchase and Refi loans. Cross County Bank has a high proportion of conventional loans. Their top markets by origination volume include: Blytheville, Branson, Jonesboro, Nashville, and Forrest City among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)Cross County Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
75Origination Dollar Volume (All Markets)
$23,795,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 34 | $6,400,000 | $188,235 | $0 | 0.00% |
| Blytheville, AR (FHA|USDA|VA) | 9 | $5,135,000 | $570,556 | $0 | 0.00% |
| Branson, MO (FHA|USDA|VA) | 1 | $3,665,000 | $3,665,000 | $0 | 0.00% |
| JONESBORO, AR (FHA|USDA|VA) | 20 | $3,330,000 | $166,500 | $0 | 0.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $2,325,000 | $2,325,000 | $0 | 0.00% |
| Forrest City, AR (FHA|USDA|VA) | 3 | $2,195,000 | $731,667 | $0 | 0.00% |
| Paragould, AR (FHA|USDA|VA) | 6 | $620,000 | $103,333 | $0 | 0.00% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 75 | $23,795,000 | $317,267 | $0 | 0.00% |
For 2021, Cross County Bank's most frequently originated type of loan was Conventional, with 75 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 40 | $17,490,000 | $437,250 | $0 | 0.00% |
| Refi | 24 | $5,580,000 | $232,500 | $0 | 0.00% |
| Home Improvement | 11 | $725,000 | $65,909 | $0 | 0.00% |
For 2021, Cross County Bank's most frequently cited loan purpose was Home Purchase, with 40 originations. The 2nd most popular reason was Refi, with 24 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 75 | $23,795,000 | $317,267 | $0 | 0.00% |
For 2021, Cross County Bank's most frequently cited loan duration was Other, with 75 originations.
Loan Sizing
2021 saw Cross County Bank place emphasis on $100,000 or less loans with 41 originations, totaling $2,205,000 in origination value.
Applicant Income
Cross County Bank lent most frequently to those with incomes in the $100k-150k range, with 7 originations. The second most popular income band? $50k-75k, with 7 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 75 | $23,795,000 | $317,267 | $0 | 0.00% |
Cross County Bank lent most frequently to those with DTI ratios of Exempt%, with 75 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.67%
Cross County Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination88.00%
Cross County Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 75 | $23,795,000 | $317,267 |