Largest lenders in Cleburne County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 102 | 20 | 31.4% | 9.38% |
| 2 | 21st Mortgage | F | 32 | 9 | 34.4% | 8.76% |
| 3 | Triad Financial Services | D | 32 | 7 | 34.4% | 8.15% |
| 4 | Rocket Mortgage | C | 30 | 19 | 33.3% | 7.25% |
| 5 | United Shore Financial Services | B | 28 | 27 | 3.6% | 6.38% |
| 6 | FirstBank | C | 20 | 4 | 50.0% | 9.35% |
| 7 | Regions Bank | C | 18 | 9 | 44.4% | 6.50% |
| 8 | First Bank of Alabama | B | 17 | 16 | 0.0% | — |
| 9 | Truist Bank | C | 15 | 5 | 53.3% | 8.34% |
| 10 | Magnolia Bank | C | 13 | 12 | 0.0% | 6.44% |
| 11 | Metro Bank | B | 10 | 9 | 0.0% | — |
| 12 | Pennymac Loan Services | C | 9 | 3 | 22.2% | 5.99% |
| 13 | Crosscountry Mortgage | B | 9 | 3 | 0.0% | 6.95% |
| 14 | NobleBank & Trust | – | 9 | 5 | 33.3% | 7.75% |
| 15 | Southwest Stage Funding | F | 9 | 4 | 0.0% | 7.58% |
| 16 | United Community Bank | B | 7 | 3 | 28.6% | 7.38% |
| 17 | Canopy Mortgage | B | 7 | 5 | 0.0% | 6.25% |
| 18 | Navy Federal Credit Union | D | 7 | 2 | 28.6% | 6.75% |
| 19 | AmeriSave Mortgage | D | 6 | 1 | 83.3% | 8.63% |
| 20 | Fairway Independent Mortgage | B | 6 | 5 | 0.0% | 7.38% |
| 21 | Broker Solutions | D | 6 | 3 | 0.0% | 6.75% |
| 22 | Coastal Community Bank | C | 6 | 1 | 0.0% | 13.49% |
| 23 | PNC Bank | D | 5 | 3 | 20.0% | 7.45% |
| 24 | Nationstar Mortgage | C | 5 | 3 | 20.0% | 5.99% |
| 25 | Mortgage Research Center | C | 5 | 2 | 20.0% | 6.75% |
Best approval odds in Cleburne County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | 57 | 56.1% |
What Cleburne County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Cleburne County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 459 | 214 | 26.1% | 7.00% | $135,000 |
| 2024 | 530 | 254 | 27.6% | 6.99% | $140,000 |
| 2025 | 588 | 283 | 23.8% | 6.81% | $145,000 |
Frequently asked questions
23.8% of applications in Cleburne County were denied in 2025, against 19.9% statewide in Alabama.
Vanderbilt Mortgage and Finance, with 102 applications in 2025 and a denial rate of 31.4%.
The median mortgage application in Cleburne County in 2025 was for $145,000; the median property value on originated loans was $225,000.