Applications / Mortgage Analytics / Lenders / Arkansas / Cross Bank
Wynne, AR · State non-member bank · FDIC · $568 million assets · 77 loans in 2025
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77
loans originated, 2025
85
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cross Bank, an Arkansas bank renamed from Cross County Bank in 2022, made 12% more loans in 2025 and is gaining share in Little Rock.
Its loans rose from 69 to 77, near the middle of similar lenders (banks of the same type making between half and twice as many loans), which grew 9%. It filed no report for 2020 or 2022, gaps in the record rather than years without lending. Home purchases made up 49.4% of its loans and refinances 33.8%.
Its typical loan was $115,000, against $175,000 at peers, and its lending came to $17.7 million. All of it was conventional.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 26.3% of its loans, up from 11.6% in 2024 and above peers' 18.7%. Majority-minority neighborhoods took 22.4%, against 6.6%, higher than at about three in four similar lenders.
Its share rose from 0.1% to 0.2% in Little Rock-North Little Rock-Conway, where it ranks 94 of 423 in a market led by Arvest Bank. In Jonesboro it fell from 0.6% to 0.1%. Its lending may have shifted toward Little Rock, or Arvest Bank, First Community Bank and Focus Bank, which lead in Jonesboro, may have won business there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Cross Bank took 85 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 49.4% · Refinance 33.8% · Home improvement 13.0% · Other 3.9%
Conventional 100.0% · of 77 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 |
|---|---|---|
| Arkansas | 76 | 98.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Little Rock-North Little Rock-Conway | 7 |
| Jonesboro | 4 |
| Fayetteville-Springdale-Rogers | 1 |
| Hot Springs | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900RD08FFMO7DRN13 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 989347 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313821 | 2004–2017 |
| Respondent ID (the HMDA filer code before 2018) | 2989347 | 2007–2014 |
Established 4 June 1891. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Cross Bank's data.
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