Mortgage lenders in Cullman County
2,033 mortgages were made in Cullman County, Alabama, in 2025, by 270 lenders. The median rate their borrowers got was 6.500% on a median loan of $175,000. Of 3,026 decisions, 812 were denials — 26.8%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Traditions Bank | 153 | Not published | $145,000 | 0.7% |
| Rocket Mortgage, LLC | 117 | 6.625% | $155,000 | 28.4% |
| AMERICA'S FIRST | 82 | 5.750% | $65,000 | 10.8% |
| GUILD MORTGAGE COMPANY | 81 | 6.500% | $175,000 | 6.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 77 | 6.125% | $235,000 | 22.0% |
| Premier Bank of the South | 76 | Not published | $100,000 | 0.0% |
| First Federal Bank, A FSB | 70 | 6.125% | $185,000 | 5.4% |
| REDSTONE Federal Credit Union | 56 | 8.125% | $90,000 | 33.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 54 | 9.990% | $120,000 | 61.3% |
| Regions Bank | 53 | 6.375% | $75,000 | 46.3% |
| PENNYMAC LOAN SERVICES, LLC | 47 | 6.499% | $185,000 | 14.5% |
| STOCKTON MORTGAGE CORPORATION | 42 | 6.625% | $235,000 | 10.4% |
| DHI MORTGAGE COMPANY, LTD. | 42 | 4.990% | $255,000 | 18.5% |
| Mortgage Research Center, LLC | 41 | 6.250% | $245,000 | 40.6% |
| FREEDOM MORTGAGE CORPORATION | 34 | 6.250% | $230,000 | 11.4% |
| EvaBank | 31 | Not published | $45,000 | 23.3% |
| TRIAD FINANCIAL SERVICES, INC. | 28 | 7.995% | $135,000 | 36.9% |
| 21st Mortgage Corporation | 27 | 10.420% | $115,000 | 75.6% |
| Renasant Bank | 26 | 6.625% | $200,000 | 10.0% |
| Peoples Bank of Alabama | 24 | Not published | $125,000 | 31.6% |
| THE LOAN STORE, INC. | 23 | 6.625% | $155,000 | 12.5% |
| Loandepot.Com, LLC | 19 | 8.250% | $95,000 | 50.0% |
| Fairway Independent Mortgage Corporation | 19 | 6.990% | $235,000 | 5.0% |
| FirstBank | 18 | 8.990% | $90,000 | 55.4% |
| Broker Solutions, Inc. | 18 | 6.688% | $215,000 | 28.0% |
| MORTGAGE INVESTORS GROUP, INC. | 18 | 6.375% | $190,000 | 4.4% |
| Citizens Bank & Trust | 18 | 7.000% | $150,000 | 5.3% |
| NEWREZ LLC | 17 | 6.625% | $175,000 | 29.2% |
| Heritage Mortgage, LLC | 17 | 6.250% | $295,000 | 0.0% |
| First National Bank of Pulaski | 17 | Not published | $205,000 | 15.0% |
| Prosperity Home Mortgage, LLC | 15 | 6.500% | $195,000 | 15.8% |
| NATIONSTAR MORTGAGE LLC | 15 | 6.625% | $245,000 | 11.1% |
| Colorado Federal Savings Bank | 15 | 6.375% | $215,000 | 0.0% |
| Hamilton Mortgage Corporation | 14 | 6.000% | $155,000 | 0.0% |
| SouthPoint Bank | 14 | 6.813% | $215,000 | 0.0% |
| PNC Bank, National Association | 13 | 7.830% | $85,000 | 31.6% |
| Synovus Bank | 13 | 6.500% | $185,000 | 13.3% |
| BankFirst Financial Services | 13 | 6.375% | $275,000 | 13.3% |
| APCO EMPLOYEES | 13 | 6.000% | $65,000 | 7.1% |
| Cadence Bank | 12 | 7.125% | $130,000 | 25.0% |
| TOWNE MORTGAGE COMPANY | 12 | 6.500% | $215,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 11 | 6.500% | $195,000 | 0.0% |
| Trustmark National Bank | 11 | 6.500% | $305,000 | 8.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | 6.750% | $245,000 | 0.0% |
| Navy Federal Credit Union | 10 | 6.250% | $175,000 | 44.4% |
| UNION HOME MORTGAGE CORP. | 10 | 6.500% | $210,000 | 0.0% |
| Kiavi Funding, Inc. | 10 | 10.990% | $120,000 | 0.0% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 79.1% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| LENNAR MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| HOMEXPRESS MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Ameris Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| SOUTHWEST STAGE FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 15.4% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 45.8% |
| Listerhill Credit Union | 7 | Under 10 loans | Under 10 loans | 36.4% |
| GMFS LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Pinnacle Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 6 | Under 10 loans | Under 10 loans | 5.6% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 46.7% |
| Filo Mortgage, L.L.C. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Truist Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Family Security Credit Union | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALABAMA CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Mortgage Right | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| LENDLO MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LAND HOME FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 5 | Under 10 loans | Under 10 loans | 14.3% |
| LEGACY COMMUNITY FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CB&S Bank, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 30.8% |
| MILEND, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| River Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SmartBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 66.7% |
| AVADIAN | 3 | Under 10 loans | Under 10 loans | 62.5% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Assurance Financial Group, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Independent | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| 2549005Z23HAAZ6QDM98 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ACIPCO Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY SAVINGS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALABAMA ONE | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 61.5% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First South Farm Credit, ACA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Hometown Bank of Alabama | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Consumer First Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Horizon Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Commercial Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank of Mississippi | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORIAN FINANCE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 78.6% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 44.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALABAMA CENTRAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ACOPIA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| United Community Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ECLIPSE BANK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Jefferson Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AlaTrust Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Southern Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Eco Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5493005QMX3SJKDTQZ62 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bryant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home State Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MAX Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 70 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Cullman County
32 FDIC-insured branches from 12 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Peoples Bank of Alabama | 6 | $294.2 million |
| Cullman Savings Bank | 5 | $308.2 million |
| Premier Bank of the South | 5 | $244.2 million |
| SouthPoint Bank | 4 | $384.2 million |
| Traditions Bank | 3 | $425.7 million |
| EvaBank | 2 | $166.7 million |
| Citizens Bank & Trust | 2 | $86.6 million |
| Regions Bank | 1 | $425.4 million |
| Wells Fargo Bank, National Association | 1 | $118.2 million |
| PNC Bank, National Association | 1 | $64.1 million |
| First National Bank of Pulaski | 1 | $43.3 million |
| Woodforest National Bank | 1 | $2.0 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- First Community Bank of Cullman, 420 2nd Ave Sw, Cullman
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When the next year’s lending figures are out for Cullman County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.