Cross County, AR Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 521 mortgage applications in Cross County, AR totaling $73.0 million, down 7% from 2023. The average application was for $140,000, and applicants reported an average income of $88,000. 36% of applications resulted in an originated loan and 21% were denied. The most active lender was Firsttrust Home Loans, with 38 applications, followed by 21st Mortgage and Vanderbilt Mortgage and Finance, Inc.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 521 |
| Total Mortgage Loan Application Amount | $73,005,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $1,683,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ n/a | 38 | $ 7,010,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 37 | $ 3,355,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 37 | $ 4,275,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 30 | $ 3,930,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 26 | $ 5,310,000 |
| Cross Bank P. O. BOX 9 WYNNE, AR 72396 |
* | $ n/a | 22 | $ 2,630,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 18 | $ 2,940,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ n/a | 14 | $ 1,350,000 |
| Arkansas Federal Credit Union 17500 CANTRELL LITTLE ROCK, AR 72223 |
* | $ n/a | 13 | $ 675,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 13 | $ 2,755,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 12 | $ 1,420,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 10 | $ 1,780,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 10 | $ 1,400,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 8 | $ 1,770,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 8 | $ 1,230,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 8 | $ 680,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 8 | $ 630,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 8 | $ 1,460,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 8 | $ 1,410,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 7 | $ 1,365,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 7 | $ 1,255,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ n/a | 6 | $ 1,040,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 5 | $ 405,000 |
| Eagle Bank and Trust Company 650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120 LITTLE ROCK, AR 72211 |
* | $ n/a | 5 | $ 955,000 |
| Partners Bank PARTNERS BANK BUILDING, 302 CHERRY ST HELENA, AR 72342 |
* | $ n/a | 5 | $ 745,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ n/a | 5 | $ 675,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 4 | $ 710,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 4 | $ 810,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 4 | $ 760,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 4 | $ 1,350,000 |
| First National Bank of Eastern Arkansas 101 N WASHINGTON STREET FORREST CITY, AR 72335 |
* | $ n/a | 4 | $ 210,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 4 | $ 290,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 4 | $ 330,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 4 | $ 170,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ n/a | 3 | $ 285,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 35,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 165,000 |
| Bank Ozk PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ n/a | 3 | $ 115,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 325,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 3 | $ 405,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 3 | $ 365,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 200,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 90,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ n/a | 2 | $ 260,000 |
| Encore Bank 1801 RAHLING RD LITTLE ROCK, AR 72223 |
* | $ n/a | 2 | $ 720,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 2 | $ 270,000 |
| First Community Bank 1325 HARRISON STREET BATESVILLE, AR 72501 |
* | $ n/a | 2 | $ 450,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 2 | $ 240,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 2 | $ 320,000 |
| Fidelity Bank 330 WEST BROADWAY ST. WEST MEMPHIS, AR 72301 |
* | $ n/a | 2 | $ 210,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 2 | $ 650,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 390,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 380,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ n/a | 2 | $ 130,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 330,000 |
| Cornerstone First Mortgage, LLC 2655 CAMINO DEL RIO N #450 SAN DIEGO, CA 92108 |
* | $ n/a | 2 | $ 160,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 380,000 |
| Red River Employees Federal Credit Union 4405 SUMMERHILL ROAD TEXARKANA, TX 75503 |
* | $ n/a | 1 | $ 125,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 195,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 185,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 115,000 |
| Armor Bank 715 NORTH WASHINGTON FORREST CITY, AR 72335 |
* | $ n/a | 1 | $ 35,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 65,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 1 | $ 145,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 55,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 185,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 145,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ n/a | 1 | $ 105,000 |
| First Service Bank PO BOX 190 GREENBRIER, AR 72058 |
* | $ n/a | 1 | $ 115,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 35,000 |
| Community Mortgage Corporation 142 TIMBER CREEK DRIVE CORDOVA, TN 38018 |
* | $ n/a | 1 | $ 95,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 25,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 185,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 145,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ n/a | 1 | $ 205,000 |
| First National Bank PO BOX 700 PARAGOULD, AR 72451 |
* | $ n/a | 1 | $ 215,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ n/a | 1 | $ 45,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 25,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 445,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 215,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 1 | $ 105,000 |
| Success Credit Union P.O. BOX 467 BLYTHEVILLE, AR 72316 |
* | $ n/a | 1 | $ 65,000 |
| The Farmers & Merchants Bank 708 S MAIN ST STUTTGART, AR 72160 |
* | $ n/a | 1 | $ 85,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 45,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ n/a | 1 | $ 95,000 |
| Servis One, Inc 4200 REGENT BLVD SUIT B200 IRVING, TX 75063 |
* | $ n/a | 1 | $ 175,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ n/a | 1 | $ 55,000 |
| Southern Bancorp Bank 601 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ n/a | 1 | $ 5,000 |
| Rpe Home, Inc 1312 17TH STREET SUITE 71618 DENVER, CO 80202 |
* | $ n/a | 1 | $ 225,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 105,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 125,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 175,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 35,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 1 | $ 185,000 |
The tables below break down 2024 mortgage applications in Cross County, AR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Cross County, AR in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 349 | $51,335,000 | $147,000 | $505,000 | $81,000 | $353,000 |
| Cash-out Refinancing | 56 | $7,000,000 | $125,000 | $355,000 | $82,000 | $216,000 |
| Refinancing | 56 | $10,860,000 | $193,000 | $555,000 | $147,000 | $1,683,000 |
| Other Purpose | 34 | $1,920,000 | $56,000 | $185,000 | $98,000 | $287,000 |
| Home Improvement | 26 | $1,890,000 | $72,000 | $395,000 | $94,000 | $284,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 283 | $38,635,000 | $136,000 | $555,000 | $96,000 | $1,683,000 |
| Not applicable | 101 | $17,765,000 | $175,000 | $435,000 | $0 | $0 |
| Black or African American | 84 | $9,870,000 | $117,000 | $505,000 | $66,000 | $209,000 |
| Not Provided | 40 | $5,560,000 | $139,000 | $445,000 | $83,000 | $205,000 |
| Hispanic | 11 | $1,025,000 | $93,000 | $205,000 | $92,000 | $284,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $78,000 | $78,000 |
| Asian | 1 | $55,000 | $55,000 | $55,000 | $40,000 | $40,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 348 | $41,620,000 | $119,000 | $485,000 | $92,000 | $1,683,000 |
| FHA-insured (Federal Housing Administration) | 97 | $17,565,000 | $181,000 | $425,000 | $80,000 | $216,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $5,835,000 | $142,000 | $245,000 | $64,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 35 | $7,985,000 | $228,000 | $555,000 | $90,000 | $209,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 189 | $25,295,000 | $133,000 | $505,000 | $103,000 | $1,683,000 |
| Application Denied By Financial Institution | 112 | $13,280,000 | $118,000 | $555,000 | $71,000 | $242,000 |
| Loan Purchased By The Institution | 86 | $15,610,000 | $181,000 | $435,000 | $0 | $0 |
| Application Approved But Not Accepted | 57 | $10,025,000 | $175,000 | $425,000 | $85,000 | $168,000 |
| File Closed For Incompleteness | 39 | $4,375,000 | $112,000 | $375,000 | $66,000 | $140,000 |
| Application Withdrawn By Applicant | 38 | $4,420,000 | $116,000 | $485,000 | $97,000 | $348,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 374 | $56,050,000 | $149,000 | $505,000 | $85,000 | $363,000 |
| Debt-To-Income Ratio | 63 | $6,895,000 | $109,000 | $395,000 | $126,000 | $1,683,000 |
| Credit History | 52 | $6,230,000 | $119,000 | $355,000 | $72,000 | $240,000 |
| Collateral | 11 | $795,000 | $72,000 | $175,000 | $91,000 | $242,000 |
| Credit Application Incomplete | 9 | $1,775,000 | $197,000 | $555,000 | $74,000 | $173,000 |
| Unverifiable Information | 7 | $655,000 | $93,000 | $115,000 | $73,000 | $96,000 |
| Other | 4 | $470,000 | $117,000 | $225,000 | $87,000 | $200,000 |
| Employment History | 1 | $135,000 | $135,000 | $135,000 | $114,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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