Cross Keys Bank in Texas vs the state
5.0%Denial rate-14.43 pts vs state
5.3%Decision denial rate-19.64 pts vs state
90.0%Origination rate+35.12 pts vs state
—Median rate
—Rate spread (pts)
$123kMedian applicant income
36Loans originated
2Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 8 | 5 | 12.5% | — | #1,003 |
| 2025 | 40 | 36 | 5.0% | — | #743 |
What Cross Keys Bank lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Cross Keys Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Smith County | 27 | 26 | 0 | 0.0% |
| Cherokee County | 4 | 4 | 0 | 0.0% |
| Bell County | 2 | 2 | 0 | 0.0% |
| Rusk County | 1 | 1 | 0 | 0.0% |
| Henderson County | 1 | 1 | 0 | 0.0% |
| Upshur County | 1 | 0 | 0 | 0.0% |
| Collin County | 1 | 0 | 1 | 100.0% |
| Dallas County | 1 | 0 | 1 | 100.0% |
| Anderson County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 40 applications in 2025, of which 36 were originated and 2 denied.
5.0% of all applications, or 5.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Cross Keys Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology