Cleveland County
Arkansas · FIPS 05025
According to CFPB HMDA 2024 application volume among U.S. counties, Cleveland County ranks #2,422 of 3,223, and #61 of 75 in Arkansas.
Mortgage lending activity in Cleveland County, Arkansas based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Cleveland County, Arkansas lenders denied 67 of the applications reported here, financing the rest at an average note rate of 7.54%, with applicants self-reporting average annual income of $37K. 42 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.6x, meaning typical borrowers took on mortgages of about 3.6 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Cleveland County
In Cleveland County, lead originator FBT Bank & Mortgage funded only 10.9% of 101 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 29.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Cleveland County's 277 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Cleveland County's $132,004 average loan (deduped against volume peers).
Lenders active in Cleveland County
FBT Bank & Mortgage funded 11 of the 101 loans originated in Cleveland County, 10.9% of the county. 42 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | FBT Bank & Mortgage | 11 | 10.9% |
| 2 | Mortgage Financial Services | 10 | 9.9% |
| 3 | Fairway Independent Mort CORP | 9 | 8.9% |
| 4 | 21st Mortgage | 8 | 7.9% |
| 5 | Rocket Mortgage | 8 | 7.9% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Cleveland County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Cleveland County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.