Applications / Mortgage Analytics / Lenders / Louisiana / Cross Keys Bank
Saint Joseph, LA · State non-member bank · FDIC · $627 million assets · 129 loans in 2025
Cross Keys Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
129
loans originated, 2025
178
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cross Keys Bank, a Louisiana lender, makes more of its loans in majority-minority areas than about nine in ten similar lenders, and its loans rose 28% in 2025.
Majority-minority areas took 38.8% of its loans, against 5.9% at similar lenders (lenders of the same type with between half and twice its originations). Low- and moderate-income (LMI) areas took 29.9%, against 17.5%, higher than at about four in five of them.
Originations rose 28%, from 101 to 129, against 9% at similar lenders and 10% for the whole market; it grew faster than about three in four of them. Its typical loan rose from $125,000 to $175,000.
In 2020, 7.4% of its loans were insured by the Federal Housing Administration (FHA), 5.8% guaranteed by the Department of Veterans Affairs (VA) and 10.9% guaranteed by the Department of Agriculture's Rural Housing Service (RHS). In 2025 every loan was conventional.
It has lent in Monroe, LA, since at least 1990. It ranks 11 of 181 lenders there, with 2.3% of lending, down from 2.9%; Eagle Bank and Trust Company leads. Its dollar lending rose only slightly, from $37.9 million to $39.4 million, which may explain the slip. Its shares rose in Tyler, TX, and Shreveport-Bossier City, LA, though on too few loans to read much into.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cross Keys Bank took 178 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.2% · Refinance 29.5% · Home improvement 7.8% · Other 1.6%
Conventional 100.0% · of 129 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Louisiana | 91 | 70.5% |
| Texas | 36 | 27.9% |
| Arkansas | 1 | 0.8% |
| Mississippi | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Monroe | 47 |
| Shreveport-Bossier City | 36 |
| Tyler | 26 |
| Baton Rouge | 2 |
| Killeen-Temple | 2 |
| Fort Smith | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| Longview | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001WL16YUSR2TI47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 755252 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39322 | 1990–2017 |
Established 2 April 1902. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Cross Keys Bank's data.
Cross Keys Bank's data
$215
Cross Keys Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Cross Keys Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]