Cross Keys Bank Mortgage Rates, Fees & Info
Saint Joseph, LALEI: 5493001WL16YUSR2TI47
Tax ID: 72-0125055
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Mortgage Data
Review & Overview
Cross Keys Bank is a smaller bank specializing in Home Purchase and Refi loans. Cross Keys Bank has a high proportion of conventional loans. Their top markets by origination volume include: Monroe, Houston, Shreveport, Tyler, and Daphne among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)Cross Keys Bank has an 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
101Origination Dollar Volume (All Markets)
$37,875,000Top 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 |
|---|---|---|---|---|---|
| MONROE, LA (FHA|USDA|VA) | 46 | $15,400,000 | $334,783 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $11,005,000 | $11,005,000 | $0 | 0.00% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 24 | $3,960,000 | $165,000 | $0 | 0.00% |
| Outside of Metro Areas | 21 | $2,685,000 | $127,857 | $0 | 0.00% |
| TYLER, TX (FHA|USDA|VA) | 2 | $2,160,000 | $1,080,000 | $0 | 0.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $0 | 0.00% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $0 | 0.00% |
| Ruston, LA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 0.00% |
| Vicksburg, MS (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Cross Keys Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 56
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 101 | $37,875,000 | $375,000 | $0 | 0.00% |
For 2024, Cross Keys Bank's most frequently originated type of loan was Conventional, with 101 originations.
Loan Reason
For 2024, Cross Keys Bank's most frequently cited loan purpose was Home Purchase, with 56 originations. The 2nd most popular reason was Refi, with 37 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 101 | $37,875,000 | $375,000 | $0 | 0.00% |
For 2024, Cross Keys Bank's most frequently cited loan duration was Other, with 101 originations.
Loan Sizing
2024 saw Cross Keys Bank place emphasis on $100,000 or less loans with 40 originations, totaling $2,060,000 in origination value.
Applicant Income
Cross Keys Bank lent most frequently to those with incomes in the $100k-150k range, with 16 originations. The second most popular income band? $150k-250k, with 11 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 101 | $37,875,000 | $375,000 | $0 | 0.00% |
Cross Keys Bank lent most frequently to those with DTI ratios of Exempt%, with 101 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.39%
Cross Keys Bank has an average approval rate.
Pick Rate
Approvals leading to origination65.35%
Cross Keys Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 101 | $37,875,000 | $375,000 |