Lenders › Cross Keys Bank › Louisiana
Cross Keys Bank in Louisiana
HMDA record for properties in Louisiana, calendar year 2024. National record · Louisiana overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Cross Keys Bank's 2024 HMDA record for Louisiana covers 141 applications, 93 of them originated, worth $23m.
Its denial rate in the state was 13.5%, below the Louisiana rate of 30.2% across all lenders and compared with the lender's national rate of 14.8%.
Applications in the state were up 13% on 2023.
Compared with the state and the lender's national record
| Measure | In Louisiana | Louisiana, all lenders | Cross Keys Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 13.5% | 30.2% | 14.8% | 24.3% |
| Median rate spread, pp | — | 0.4 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 17.0% | — | 15.6% |
| Average originated loan | $247k | $234k | $375k | $329k |
| Home purchase share | 53.8% | 63.7% | 55.4% | 57.0% |
| FHA-insured share | 0.0% | 20.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.3% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateLouisiana, all lenders
Loan purpose and loan type in Louisiana
By purpose
Home purchase 54% (50)Home improvement 4% (4)Refinancing 38% (35)Other purpose 4% (4)
By type
Conventional 100% (93)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Louisiana
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Ouachita Parish | 57 | 40 | $14m | 8.9% |
| Caddo Parish | 27 | 20 | $3.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Cross Keys Bank originate in Louisiana in 2024?
93 loans totalling $23m, from 141 applications reported for properties in Louisiana.
What is Cross Keys Bank's denial rate in Louisiana?
13.5% of decided applications in Louisiana were denied, against 30.2% for all lenders in the state and 14.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Louisiana counties does Cross Keys Bank lend in most?
By originations: Ouachita Parish (40), Caddo Parish (20).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Louisiana. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.