Largest lenders in Cleburne County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 75 | 51 | 24.0% | 6.50% |
| 2 | Eagle Bank and Trust | A | 67 | 51 | 9.0% | 6.71% |
| 3 | 21st Mortgage | F | 65 | 21 | 32.3% | 9.72% |
| 4 | ARKANSAS Federal Credit Union | F | 65 | 43 | 15.4% | 7.00% |
| 5 | First Security Bank | C | 59 | 54 | 3.4% | 7.50% |
| 6 | Vanderbilt Mortgage and Finance | F | 58 | 9 | 41.4% | 9.75% |
| 7 | Centennial Bank | D | 46 | 25 | 17.4% | 7.00% |
| 8 | Triad Financial Services | D | 36 | 3 | 44.4% | 8.62% |
| 9 | Mortgage Research Center | C | 33 | 14 | 15.2% | 6.56% |
| 10 | First Community Bank | C | 32 | 18 | 6.3% | 7.19% |
| 11 | Freedom Mortgage | B | 27 | 7 | 3.7% | 6.25% |
| 12 | Firsttrust Home Loans | B | 26 | 21 | 3.9% | 6.38% |
| 13 | Pennymac Loan Services | C | 25 | 10 | 12.0% | 5.81% |
| 14 | Credit Human Federal Credit Union | D | 22 | 0 | 77.3% | — |
| 15 | Arvest Bank | C | 21 | 15 | 14.3% | 6.63% |
| 16 | AmeriSave Mortgage | D | 18 | 7 | 55.6% | 6.63% |
| 17 | Cadence Bank | B | 17 | 12 | 11.8% | 6.77% |
| 18 | United Shore Financial Services | B | 17 | 8 | 11.8% | 6.31% |
| 19 | Regions Bank | C | 14 | 7 | 35.7% | 4.99% |
| 20 | New Day Financial | F | 14 | 1 | 28.6% | 6.88% |
| 21 | U.S. Bank | D | 13 | 3 | 61.5% | 7.70% |
| 22 | Nationstar Mortgage | C | 13 | 8 | 23.1% | 8.31% |
| 23 | CMG Mortgage | A | 13 | 8 | 0.0% | 6.44% |
| 24 | Loandepot.Com | D | 13 | 9 | 23.1% | 6.99% |
| 25 | First State Bank | – | 11 | 11 | 0.0% | — |
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 | First Security Bank | 56 | 3.6% |
| 2 | Eagle Bank and Trust | 59 | 10.2% |
| 3 | ARKANSAS Federal Credit Union | 53 | 18.9% |
| 4 | Rocket Mortgage | 71 | 25.4% |
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 | 999 | 533 | 20.6% | 7.13% | $135,000 |
| 2024 | 1,145 | 596 | 22.2% | 7.00% | $145,000 |
| 2025 | 1,183 | 633 | 18.6% | 6.75% | $155,000 |
Frequently asked questions
18.6% of applications in Cleburne County were denied in 2025, against 18.2% statewide in Arkansas.
Rocket Mortgage, with 75 applications in 2025 and a denial rate of 24.0%.
The median mortgage application in Cleburne County in 2025 was for $155,000; the median property value on originated loans was $255,000.