Largest lenders in Cross County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Firsttrust Home Loans | B | 72 | 65 | 1.4% | 6.50% |
| 2 | 21st Mortgage | F | 48 | 11 | 47.9% | 9.69% |
| 3 | Rocket Mortgage | C | 38 | 26 | 29.0% | 6.93% |
| 4 | Vanderbilt Mortgage and Finance | F | 37 | 4 | 43.2% | 9.50% |
| 5 | Cross Bank | – | 37 | 36 | 0.0% | — |
| 6 | Triad Financial Services | D | 25 | 2 | 56.0% | 8.23% |
| 7 | Pennymac Loan Services | C | 23 | 9 | 17.4% | 6.50% |
| 8 | ARKANSAS Federal Credit Union | F | 18 | 7 | 44.4% | 7.50% |
| 9 | First Financial Bank | B | 18 | 15 | 11.1% | 7.25% |
| 10 | AmeriSave Mortgage | D | 11 | 2 | 72.7% | 7.44% |
| 11 | Flat Branch Mortgage | A | 10 | 10 | 0.0% | 6.43% |
| 12 | United Shore Financial Services | B | 10 | 6 | 30.0% | 7.63% |
| 13 | Everett Financial | C | 9 | 8 | 0.0% | 6.81% |
| 14 | First National Bank of Eastern Arkansas | – | 7 | 7 | 0.0% | — |
| 15 | Credit Human Federal Credit Union | D | 7 | 0 | 100.0% | — |
| 16 | Freedom Mortgage | B | 7 | 4 | 14.3% | 6.63% |
| 17 | Farm Credit Mid-America | D | 7 | 6 | 14.3% | 6.80% |
| 18 | Figure Lending | C | 7 | 2 | 42.9% | 8.25% |
| 19 | Arvest Bank | C | 6 | 5 | 0.0% | 6.50% |
| 20 | Bank of America | F | 6 | 1 | 83.3% | 6.74% |
| 21 | Evolve Bank & Trust | C | 6 | 5 | 0.0% | 7.00% |
| 22 | Partners Bank | – | 6 | 4 | 0.0% | — |
| 23 | Navy Federal Credit Union | D | 6 | 3 | 33.3% | 8.20% |
| 24 | Mutual of Omaha Mortgage | C | 5 | 1 | 20.0% | 6.25% |
| 25 | Mortgage Research Center | C | 5 | 2 | 40.0% | 6.69% |
Best approval odds in Cross County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Firsttrust Home Loans | 66 | 1.5% |
What Cross County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Cross County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 480 | 226 | 29.8% | 6.88% | $105,000 |
| 2024 | 435 | 189 | 25.8% | 6.99% | $115,000 |
| 2025 | 593 | 316 | 26.1% | 6.75% | $115,000 |
Frequently asked questions
26.1% of applications in Cross County were denied in 2025, against 18.2% statewide in Arkansas.
Firsttrust Home Loans, with 72 applications in 2025 and a denial rate of 1.4%.
The median mortgage application in Cross County in 2025 was for $115,000; the median property value on originated loans was $195,000.