Cross Keys Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
38th7.0% deniedProcesswithdrawn + incomplete share, weight 15%
14th20.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 127 | 89 | 7.9% | 9.7% | 7.85% | $21M |
| 2024 | 155 | 101 | 11.6% | 14.8% | — | $38M |
| 2025 | 178 | 129 | 5.6% | 7.0% | — | $39M |
What Cross Keys Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 5 manufactured homes, 94 investment properties.
Who gets approved at Cross Keys Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 34 | 17 | 21.7% |
| $100k – $150k | 36 | 23 | 4.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 32 | 14 | 16.7% |
| 35–44 | 33 | 20 | 16.7% |
| 55–64 | 23 | 19 | 0.0% |
Where Cross Keys Bank lends
6 states and 27 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Cross Keys Bank denied 7.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 38th percentile of investment-property lenders.
In 2025, 63% of its applications were for home purchases, 28% for refinancing (including cash-out), and 8% for home improvement or other purposes. By loan type: 91% conventional, 3% FHA, 4% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.