Cullman Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Cullman averaged 6.08% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.19% and one month ago for the week of 2022-05-26, the average rate was 5.38%.

Cullman's average rate one year ago was 3.23%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.98%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Cullman 30 Year Fixed Rate 2022-06-30 6.08%
Cullman 30 Year Fixed Rate Refi 2022-06-30 5.98%
Cullman 15 Year Fixed Rate 2022-06-30 5.14%
Cullman 15 Year Fixed Rate Refi 2022-06-30 5.03%
Cullman 30 Year FHA 2022-06-30 5.65%
Cullman 30 Year FHA Refi 2022-06-30 5.66%
Cullman 30 Year USDA 2022-06-30 5.31%
Cullman 30 Year USDA Refi 2022-06-30 5.1%
Cullman 30 Year VA 2022-06-30 5.51%
Cullman 30 Year VA Refi 2022-06-30 5.26%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Cullman, AL.

Cullman Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Cullman, AL market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 112 3.14% $5,087
Gateway First Bank 74 3.14% $3,171
Renasant Bank 63 3.09% $3,973
Hometown Lenders, Inc. 57 3.27% $4,402
FirstBank 57 3.03% $3,715
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 52 2.94% $4,126
First Federal Bank, A FSB 38 3.02% $2,579
Regions Bank 37 3.11% $3,831
LOANDEPOT.COM, LLC 24 3.19% $4,960
REDSTONE Federal Credit Union 23 3.54% $2,731
UNITED WHOLESALE MORTGAGE, LLC 17 2.90% $4,120
Wells Fargo Bank 16 3.09% $3,577
Citizens Bank 16 3.20% $3,052
MORTGAGE INVESTORS GROUP, INC. 14 3.28% $4,882
PENNYMAC LOAN SERVICES, LLC 14 3.31% $4,424
GUILD MORTGAGE COMPANY 13 3.23% $4,371
Ameris Bank 12 2.93% $3,869
Listerhill Credit Union 11 3.42% $3,086
CALIBER HOME LOANS, INC. 10 3.35% $5,504
MOVEMENT MORTGAGE, LLC 10 3.44% $5,409
BancorpSouth Bank 9 3.19% $3,263
AMERISAVE MORTGAGE CORPORATION 9 2.93% $4,570
FREEDOM MORTGAGE CORPORATION 9 3.33% $2,394
Synovus Bank 9 2.92% $5,052
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 8 3.06% $4,079
HOME POINT FINANCIAL CORPORATION 8 3.22% $4,786
ALABAMA CREDIT UNION 7 3.13% $3,535
GMFS LLC 7 2.79% $3,915
AmeriHome Mortgage Company, LLC 7 3.18% $3,736
STOCKTON MORTGAGE CORPORATION 7 3.23% $5,363
VANDERBILT MORTGAGE AND FINANCE, INC. 7 3.32% $3,517
CHURCHILL MORTGAGE CORPORATION 6 3.46% $3,243
JPMorgan Chase Bank 6 3.10% $2,183
Assurance Financial Group, L.L.C. 6 3.23% $3,612
CB&S Bank, Inc. 5 3.15% $2,867
TJC Mortgage, Inc. 5 3.18% $3,297
SouthPoint Bank 5 3.18% $6,797
South State Bank 5 3.13% $3,807
NEWREZ LLC 5 3.00% $4,152
Progress Bank and Trust 5 2.78% $3,814
Hamilton Mortgage Corporation 4 3.13% $2,370
APCO EMPLOYEES 4 3.38% $0
AMERICAN MORTGAGE SERVICE COMPANY 4 3.25% $2,968
BROKER SOLUTIONS, INC. 4 2.78% $3,730
Cadence Bank, N.A. 4 3.44% $1,573
Mr. Cooper ( Nationstar Mortgage ) 4 3.44% $6,883
KELLER MORTGAGE, LLC 3 3.08% $2,651
CRESCENT MORTGAGE COMPANY 3 3.08% $5,309
Bank Independent 3 3.00% $5,363
NAVY FEDERAL CREDIT UNION 3 3.21% $2,130
PENTAGON FEDERAL CREDIT UNION 3 2.71% $2,781
PNC Bank 3 3.13% $3,475
Prosperity Home Mortgage, LLC 3 3.25% $2,926
BBVA USA 3 3.38% $2,505
BETTER MORTGAGE CORPORATION 3 2.92% $2,727
ROYAL UNITED MORTGAGE LLC 3 3.83% $4,861
TIB The Independent Bankersbank 3 3.58% $2,947
Trustmark National Bank 3 3.08% $4,029
Carrington Mortgage Services, LLC 3 3.08% $3,765
HOMESIDE FINANCIAL, LLC 3 3.08% $4,361
Truist Bank 2 3.18% $3,266
First Internet Bank of Indiana 2 3.00% $3,294
First Federal Bank 2 3.19% $3,736
FIRST COMMUNITY MORTGAGE, INC. 2 2.69% $3,416
SUCCESS MORTGAGE PARTNERS, INC. 2 3.18% $4,363
ServisFirst Bank 2 3.00% $5,930
SECURITYNATIONAL MORTGAGE COMPANY 2 3.75% $3,467
Bank of England 2 2.81% $9,210
Citibank 2 2.81% $5,376
GUARANTY HOME MORTGAGE CORPORATION 2 2.81% $5,805
Nations Lending Corporation 2 3.25% $3,668
MUTUAL OF OMAHA MORTGAGE, INC. 2 3.19% $4,371
Metro City Bank 2 3.75% $4,534
AVADIAN 2 2.88% $2,959
LENDERFI, INC. 2 3.31% $1,288
CERTAINTY HOME LOANS, LLC 2 2.94% $6,109
CMG MORTGAGE, INC. 2 3.19% $5,532
U.S. Bank 2 3.00% $2,494
First Horizon Bank 2 3.06% $8,573
ZILLOW HOME LOANS, LLC 1 3.00% $3,615
Alabama One Credit Union 1 3.50% $4,289
Ally Bank 1 3.13% $1,836
AMERICAN FINANCIAL RESOURCES, INC. 1 3.63% $5,572
AMERICA'S FIRST 1 2.88% $5,349
AMERIFIRST FINANCIAL CORPORATION 1 3.88% $4,460
A Mortgage Boutique, LLC 1 2.50% $3,415
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 4.25% $6,246
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 2.63% $765
Arvest Bank 1 2.88% $2,621
ASCEND FEDERAL CREDIT UNION 1 3.75% $1,916
Austin Capital Bank SSB 1 4.13% $3,892
Bank of America 1 2.88% $3,117
Barrington Bank & Trust Company, N.A. 1 2.99% $4,276
BAY EQUITY LLC 1 3.38% $8,194
BMO Harris Bank 1 2.88% $3,967
Charles Schwab Bank, SSB 1 2.25% $2,708
CIS Financial Services, Inc. 1 2.75% $4,168
Community Bank of Mississippi 1 3.13% $3,401
COMMUNITY MORTGAGE CORPORATION 1 2.50% $4,300
Consumer First Mortgage, Inc. 1 2.63% $4,521
CROSSCOUNTRY MORTGAGE, LLC 1 2.88% $9,666
Discover Bank 1 4.99% $0
EMBRACE HOME LOANS, INC. 1 3.25% $2,543
EVERETT FINANCIAL, INC. 1 2.99% $2,539
FBC MORTGAGE, LLC 1 3.38% $2,785
Fifth Third Bank 1 3.49% $3,489
FINANCE OF AMERICA MORTGAGE LLC 1 2.99% $3,814
Financial Federal Bank 1 3.50% $4,669
First Home Bank 1 3.50% $14,248
FirstTrust Home Loans, Inc. 1 3.25% $3,204
Flagstar Bank, FSB 1 2.75% $3,347
F&M Bank 1 2.88% $4,533
GoPrime Mortgage, Inc. 1 3.25% $2,945
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 3.50% $3,442
HOMESTEAD FUNDING CORP. 1 3.25% $3,045
InterContinental Capital Group, Inc 1 2.75% $3,662
KeyBank 1 2.50% $4,623
LAKEVIEW LOAN SERVICING, LLC 1 2.88% $1,240
LENOX FINANCIAL MORTGAGE CORPORATION 1 3.38% $4,051
Liberty Mortgage Corporation 1 2.63% $2,815
LOANFLIGHT LENDING, LLC 1 3.25% $2,734
Magnolia Bank 1 3.37% $2,678
Manufacturers and Traders Trust Company 1 3.13% $3,519
MCLEAN MORTGAGE CORPORATION 1 3.38% $3,351
Mid-Continent Funding, Inc. 1 2.75% $3,737
MORTGAGE ACCESS CORP. 1 3.25% $2,123
NBKC BANK 1 2.88% $1,430
NFM, INC. 1 3.38% $3,940
North American Savings Bank, F.S.B. 1 3.00% $1,798
PHH Mortgage Corporation 1 2.88% $9,382
Pinnacle Bank 1 3.50% $4,413
RELIANCE FIRST CAPITAL, LLC 1 3.50% $5,828
Reliant Bank 1 5.59% $2,317
SOUTH CENTRAL BANK, INC. 1 3.25% $3,620
SOUTHWEST FUNDING, LP 1 3.63% $5,103
The Home Loan Expert LLC 1 3.25% $3,328
THE MORTGAGE FIRM, INC. 1 2.88% $5,439
Total Media Management, LLC 1 3.88% $4,224
Triumph Bank 1 2.88% $2,720
USAA Federal Savings Bank 1 2.63% $2,898
Wyndham Capital Mortgage, Inc. 1 3.38% $1,379
21ST MORTGAGE CORPORATION 1 5.25% $5,398

Cullman, AL's 142 lenders originated 3,031 loans during 2021. The total origination value was $590,165,000, with an average loan value of $194,710.

The top Cullman lender as defined by loan originations is QUICKEN LOANS, LLC, with 112 loans originated. Their average total fees are $5,087, which is $1,915 higher than the next largest lender, Gateway First Bank.

The lowest fee Cullman lenders (with over 10 loans originated) are First Federal Bank, A FSB ($2,579), REDSTONE Federal Credit Union ($2,731), Citizens Bank ($3,052), Listerhill Credit Union ($3,086) and Gateway First Bank ($3,171).

The lowest rate Cullman lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (2.90%), Ameris Bank (2.93%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (2.94%), First Federal Bank, A FSB (3.02%) and FirstBank (3.03%).

Cullman, AL Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $32,980,000 $45,485,000 37.9% 7.7%
Gateway First Bank $45,015,000 $35,785,000 -20.5% 6.1%
Traditions Bank $26,360,000 $34,340,000 30.3% 5.8%
FirstBank $19,045,000 $26,180,000 37.5% 4.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $28,370,000 $23,925,000 -15.7% 4.1%
First Federal Bank, A FSB $29,560,000 $23,740,000 -19.7% 4.0%
Renasant Bank $29,000,000 $22,410,000 -22.7% 3.8%
Hometown Lenders, Inc. $23,890,000 $21,680,000 -9.3% 3.7%
FREEDOM MORTGAGE CORPORATION $17,730,000 $19,030,000 7.3% 3.2%
Regions Bank $14,320,000 $17,800,000 24.3% 3.0%
Premier Bank of the South $9,045,000 $12,970,000 43.4% 2.2%
LOANDEPOT.COM, LLC $6,790,000 $12,605,000 85.6% 2.1%
Wells Fargo Bank $7,195,000 $9,310,000 29.4% 1.6%
UNITED WHOLESALE MORTGAGE, LLC $7,695,000 $9,135,000 18.7% 1.5%
Mortgage Research Center, LLC $5,225,000 $8,835,000 69.1% 1.5%
PENNYMAC LOAN SERVICES, LLC $4,210,000 $8,835,000 109.9% 1.5%
Citizens Bank & Trust $3,725,000 $8,420,000 126.0% 1.4%
REDSTONE Federal Credit Union $8,930,000 $8,140,000 -8.8% 1.4%
MORTGAGE INVESTORS GROUP, INC. $10,705,000 $8,110,000 -24.2% 1.4%
Synovus Bank $5,955,000 $7,075,000 18.8% 1.2%
MOVEMENT MORTGAGE, LLC $2,275,000 $6,970,000 206.4% 1.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $6,055,000 $6,795,000 12.2% 1.2%
GUILD MORTGAGE COMPANY $1,475,000 $5,730,000 288.5% 1.0%
Peoples Bank of Alabama $4,490,000 $5,405,000 20.4% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $5,945,000 $5,355,000 -9.9% 0.9%
BancorpSouth Bank $1,730,000 $5,095,000 194.5% 0.9%
Ameris Bank $11,120,000 $4,885,000 -56.1% 0.8%
CALIBER HOME LOANS, INC. $5,785,000 $4,435,000 -23.3% 0.8%
AMERISAVE MORTGAGE CORPORATION $4,035,000 $4,145,000 2.7% 0.7%
21ST MORTGAGE CORPORATION $4,060,000 $4,105,000 1.1% 0.7%
EvaBank $4,265,000 $4,035,000 -5.4% 0.7%
Citizens Bank $4,005,000 $3,885,000 -3.0% 0.7%
Trustmark National Bank $2,490,000 $3,840,000 54.2% 0.7%
GMFS LLC $3,015,000 $3,770,000 25.0% 0.6%
JPMorgan Chase Bank $1,250,000 $3,770,000 201.6% 0.6%
AMERICA'S FIRST $3,420,000 $3,575,000 4.5% 0.6%
NEWREZ LLC $1,715,000 $3,545,000 106.7% 0.6%
BankFirst Financial Services $615,000 $3,470,000 464.2% 0.6%
NAVY FEDERAL CREDIT UNION $1,920,000 $3,365,000 75.3% 0.6%
MICHIGAN MUTUAL, INC. $2,250,000 $3,325,000 47.8% 0.6%
LAKEVIEW LOAN SERVICING, LLC $1,150,000 $3,275,000 184.8% 0.6%
Listerhill Credit Union $1,480,000 $3,090,000 108.8% 0.5%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $335,000 $2,965,000 785.1% 0.5%
HOME POINT FINANCIAL CORPORATION $3,610,000 $2,770,000 -23.3% 0.5%
USAA Federal Savings Bank $2,580,000 $2,665,000 3.3% 0.5%
Prosperity Home Mortgage, LLC $930,000 $2,555,000 174.7% 0.4%
STOCKTON MORTGAGE CORPORATION $320,000 $2,555,000 698.4% 0.4%
First Horizon Bank $2,365,000 n/a 0.4%
Progress Bank and Trust $2,415,000 $2,360,000 -2.3% 0.4%
South State Bank $3,190,000 $2,310,000 -27.6% 0.4%
CROSSCOUNTRY MORTGAGE, LLC $160,000 $2,095,000 1,209.4% 0.4%
Assurance Financial Group, L.L.C. $1,215,000 $2,065,000 70.0% 0.3%
Carrington Mortgage Services, LLC $1,270,000 $2,055,000 61.8% 0.3%
TRIAD FINANCIAL SERVICES, INC. $640,000 $1,970,000 207.8% 0.3%
BETTER MORTGAGE CORPORATION $1,190,000 $1,940,000 63.0% 0.3%
BROKER SOLUTIONS, INC. $3,325,000 $1,940,000 -41.7% 0.3%
ALABAMA CREDIT UNION $1,880,000 $1,930,000 2.7% 0.3%
AmeriHome Mortgage Company, LLC $1,125,000 $1,925,000 71.1% 0.3%
Bank Independent $3,100,000 $1,905,000 -38.5% 0.3%
TJC Mortgage, Inc. $540,000 $1,860,000 244.4% 0.3%
PNC Bank $555,000 $1,855,000 234.2% 0.3%
CB&S Bank, Inc. $2,700,000 $1,785,000 -33.9% 0.3%
Cadence Bank, N.A. $535,000 $1,705,000 218.7% 0.3%
NEW DAY FINANCIAL, LLC $2,005,000 $1,705,000 -15.0% 0.3%
KELLER MORTGAGE, LLC $1,710,000 $1,650,000 -3.5% 0.3%
Mutual Savings Credit Union $2,600,000 $1,620,000 -37.7% 0.3%
Bank of America $2,050,000 $1,595,000 -22.2% 0.3%
AMERICAN MORTGAGE SERVICE COMPANY $785,000 $1,570,000 100.0% 0.3%
SouthPoint Bank $1,530,000 $1,565,000 2.3% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $1,380,000 $1,540,000 11.6% 0.3%
GoPrime Mortgage, Inc. $410,000 $1,525,000 272.0% 0.3%
Flagstar Bank, FSB $650,000 $1,520,000 133.8% 0.3%
CERTAINTY HOME LOANS, LLC $1,015,000 $1,480,000 45.8% 0.3%
APCO EMPLOYEES $2,680,000 $1,410,000 -47.4% 0.2%
Pinnacle Bank $515,000 $1,360,000 164.1% 0.2%
Truist Bank $1,805,000 $1,325,000 -26.6% 0.2%
Gulf Coast Bank and Trust Company $1,280,000 n/a 0.2%
FIRST COMMUNITY MORTGAGE, INC. $915,000 $1,270,000 38.8% 0.2%
PENTAGON FEDERAL CREDIT UNION $1,250,000 n/a 0.2%
Financial Federal Bank $1,185,000 n/a 0.2%
Hamilton Mortgage Corporation $365,000 $1,170,000 220.5% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $115,000 $1,135,000 887.0% 0.2%
GUARANTEED RATE, INC. $1,125,000 n/a 0.2%
CRESCENT MORTGAGE COMPANY $995,000 $1,110,000 11.6% 0.2%
BBVA USA $5,085,000 $1,100,000 -78.4% 0.2%
Barrington Bank & Trust Company, N.A. $855,000 $1,090,000 27.5% 0.2%
CHURCHILL MORTGAGE CORPORATION $405,000 $1,080,000 166.7% 0.2%
Total Media Management, LLC $350,000 $1,065,000 204.3% 0.2%
ServisFirst Bank $1,140,000 $1,020,000 -10.5% 0.2%
Bank of England $475,000 $1,015,000 113.7% 0.2%
HOMESIDE FINANCIAL, LLC $325,000 $995,000 206.2% 0.2%
The Federal Savings Bank $955,000 $920,000 -3.7% 0.2%
Family Security Credit Union $280,000 $915,000 226.8% 0.2%
First Internet Bank of Indiana $460,000 $845,000 83.7% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $1,265,000 $840,000 -33.6% 0.1%
CIS Financial Services, Inc. $2,240,000 $815,000 -63.6% 0.1%
West Alabama Bank & Trust $805,000 n/a 0.1%
CMG MORTGAGE, INC. $845,000 $795,000 -5.9% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,855,000 $780,000 -58.0% 0.1%
TIB The Independent Bankersbank $995,000 $780,000 -21.6% 0.1%
First Guaranty Mortgage Corporation $1,255,000 $770,000 -38.6% 0.1%
SUCCESS MORTGAGE PARTNERS, INC. $710,000 $740,000 4.2% 0.1%
UNION HOME MORTGAGE CORP. $800,000 $735,000 -8.1% 0.1%
CSL Financial, LLC $95,000 $730,000 668.4% 0.1%
ROYAL UNITED MORTGAGE LLC $440,000 $725,000 64.8% 0.1%
AMERIFIRST FINANCIAL CORPORATION $715,000 n/a 0.1%
The Hometown Bank of Alabama $895,000 $700,000 -21.8% 0.1%
Consumer First Mortgage, Inc. $590,000 $690,000 16.9% 0.1%
RELIANCE FIRST CAPITAL, LLC $890,000 $690,000 -22.5% 0.1%
F&M Bank $1,485,000 $665,000 -55.2% 0.1%
Arvest Bank $650,000 n/a 0.1%
GUARANTY HOME MORTGAGE CORPORATION $900,000 $650,000 -27.8% 0.1%
Citibank $615,000 n/a 0.1%
Northpointe Bank $250,000 $610,000 144.0% 0.1%
LEGACY COMMUNITY FEDERAL CREDIT UNION $605,000 n/a 0.1%
The First National Bank of Middle Tennessee $295,000 $585,000 98.3% 0.1%
Nations Lending Corporation $775,000 $570,000 -26.5% 0.1%
FBC MORTGAGE, LLC $195,000 $565,000 189.7% 0.1%
EVERETT FINANCIAL, INC. $165,000 $560,000 239.4% 0.1%
AVADIAN $900,000 $540,000 -40.0% 0.1%
ACIPCO Federal Credit Union $630,000 $535,000 -15.1% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $1,100,000 $530,000 -51.8% 0.1%
North American Savings Bank, F.S.B. $705,000 $530,000 -24.8% 0.1%
First Federal Bank $895,000 $520,000 -41.9% 0.1%
SOUTHWEST FUNDING, LP $570,000 $515,000 -9.6% 0.1%
A Mortgage Boutique, LLC $505,000 n/a 0.1%
DHI MORTGAGE COMPANY, LTD. $3,820,000 $505,000 -86.8% 0.1%
SOUTH CENTRAL BANK, INC. $495,000 n/a 0.1%
First Option Mortgage, LLC $145,000 $490,000 237.9% 0.1%
INTERLINC MORTGAGE SERVICES, LLC $765,000 $485,000 -36.6% 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $115,000 $465,000 304.3% 0.1%
KeyBank $455,000 n/a 0.1%
Bryant Bank $725,000 $450,000 -37.9% 0.1%
InterContinental Capital Group, Inc $195,000 $440,000 125.6% 0.1%
ISERVE RESIDENTIAL LENDING, LLC $630,000 $430,000 -31.7% 0.1%
COMMUNITY MORTGAGE CORPORATION $425,000 n/a 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $410,000 n/a 0.1%
Triumph Bank $660,000 $405,000 -38.6% 0.1%
AMERICAN FINANCING CORPORATION $400,000 n/a 0.1%
BAY EQUITY LLC $395,000 n/a 0.1%
Charles Schwab Bank, SSB $385,000 n/a 0.1%
NFM, INC. $380,000 n/a 0.1%
PLANET HOME LENDING, LLC $610,000 $370,000 -39.3% 0.1%
First Home Bank $360,000 $365,000 1.4% 0.1%
Magnolia Bank $245,000 $360,000 46.9% 0.1%
Metro City Bank $360,000 n/a 0.1%
AMERICAN INTERNET MORTGAGE, INC. $320,000 $355,000 10.9% 0.1%
First Jackson Bank, Inc. $235,000 $355,000 51.1% 0.1%
Waterstone Mortgage Corporation $355,000 n/a 0.1%
GSF Mortgage Corporation $345,000 n/a 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $335,000 n/a 0.1%
KS StateBank $335,000 n/a 0.1%
EMBRACE HOME LOANS, INC. $405,000 $330,000 -18.5% 0.1%
BMO Harris Bank $325,000 n/a 0.1%
COUNTRYPLACE MORTGAGE, LTD. $210,000 $325,000 54.8% 0.1%
Manufacturers and Traders Trust Company $325,000 n/a 0.1%
Armed Forces Bank $315,000 n/a 0.1%
LEADERONE FINANCIAL CORPORATION $540,000 $310,000 -42.6% 0.1%
FAMILY SAVINGS $305,000 n/a 0.1%
NBKC BANK $305,000 n/a 0.1%
U.S. Bank $1,105,000 $300,000 -72.9% 0.1%
THE MORTGAGE FIRM, INC. $495,000 $285,000 -42.4% 0.0%
LENDERFI, INC. $270,000 n/a 0.0%
Fifth Third Bank $425,000 $265,000 -37.6% 0.0%
Figure Lending LLC $265,000 n/a 0.0%
Liberty Mortgage Corporation $700,000 $265,000 -62.1% 0.0%
ZILLOW HOME LOANS, LLC $740,000 $265,000 -64.2% 0.0%
SOFI LENDING CORP. $105,000 $260,000 147.6% 0.0%
LOANFLIGHT LENDING, LLC $255,000 n/a 0.0%
Capital City Home Loans, LLC $245,000 n/a 0.0%
FINANCE OF AMERICA MORTGAGE LLC $1,125,000 $245,000 -78.2% 0.0%
First Commercial Bank $205,000 $245,000 19.5% 0.0%
Independent Bank $540,000 $245,000 -54.6% 0.0%
Community Bank of Mississippi $235,000 n/a 0.0%
MCLEAN MORTGAGE CORPORATION $235,000 n/a 0.0%
Alabama One Credit Union $325,000 $225,000 -30.8% 0.0%
DAS Acquisition Company, LLC $225,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $1,340,000 $225,000 -83.2% 0.0%
BELEM SERVICING LLC $215,000 n/a 0.0%
Low VA Rates, LLC $340,000 $215,000 -36.8% 0.0%
Ally Bank $435,000 $205,000 -52.9% 0.0%
AMCAP MORTGAGE, LTD. $205,000 n/a 0.0%
FirstTrust Home Loans, Inc. $205,000 n/a 0.0%
River Bank & Trust $205,000 n/a 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $195,000 n/a 0.0%
Colten Mortgage, LLC $195,000 n/a 0.0%
HOMEOWNERS FINANCIAL GROUP USA, LLC $235,000 $195,000 -17.0% 0.0%
HUNT MORTGAGE CORPORATION $195,000 n/a 0.0%
Paramount Residential Mortgage Group, Inc. $105,000 $195,000 85.7% 0.0%
Discover Bank $125,000 $190,000 52.0% 0.0%
Amerifirst Financial, Inc. $185,000 n/a 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $175,000 n/a 0.0%
ASCEND FEDERAL CREDIT UNION $165,000 n/a 0.0%
PHH Mortgage Corporation $165,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $645,000 $165,000 -74.4% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $460,000 $165,000 -64.1% 0.0%
MORTGAGE ACCESS CORP. $155,000 n/a 0.0%
Wyndham Capital Mortgage, Inc. $155,000 n/a 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $95,000 $145,000 52.6% 0.0%
SUPERIOR CHOICE $145,000 n/a 0.0%
Austin Capital Bank SSB $135,000 n/a 0.0%
First National Bank of Pulaski $135,000 n/a 0.0%
Florida Capital Bank $135,000 n/a 0.0%
Guaranty Bank and Trust Company $135,000 n/a 0.0%
ATLANTA POSTAL $125,000 n/a 0.0%
HOMESPIRE MORTGAGE CORPORATION $125,000 n/a 0.0%
Mid-Continent Funding, Inc. $440,000 $125,000 -71.6% 0.0%
NUMARK CREDIT UNION $125,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $115,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $115,000 n/a 0.0%
REVERSE MORTGAGE FUNDING LLC $115,000 n/a 0.0%
Reliant Bank $710,000 $110,000 -84.5% 0.0%
Alcova Mortgage LLC $105,000 n/a 0.0%
Goldwater Bank, N.A. $675,000 $105,000 -84.4% 0.0%
Presidential Bank, FSB $105,000 n/a 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $95,000 n/a 0.0%
HOMESTEAD FUNDING CORP. $95,000 n/a 0.0%
AMERICAN ADVISORS GROUP $60,000 $85,000 41.7% 0.0%
FAY SERVICING, LLC $85,000 n/a 0.0%
The Home Loan Expert LLC $85,000 n/a 0.0%
1st Franklin Financial Corporation $75,000 $75,000 0.0% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $315,000 $65,000 -79.4% 0.0%
First South Farm Credit, ACA $140,000 $65,000 -53.6% 0.0%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $65,000 n/a 0.0%
Eco Credit Union $115,000 $55,000 -52.2% 0.0%
SPRING EQ, LLC $75,000 $55,000 -26.7% 0.0%
Baxter Credit Union $225,000 $45,000 -80.0% 0.0%
AOD Federal Credit Union $35,000 n/a 0.0%
ALABAMA STATE EMPLOYEES CREDIT UNION $25,000 n/a 0.0%

Cullman's top lender by overall market share is QUICKEN LOANS, LLC, with 7.7% market share. In second place, with 6.1%, is Gateway First Bank, having originated $35,785,000 in loans. In third place, with 5.8%, is Traditions Bank, having originated $34,340,000 in loans. In third place, with 4.4%, is FirstBank, having originated $26,180,000 in loans. In third place, with 4.1%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $23,925,000 in loans.


Cullman, AL Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,500 $314,540,000 $209,693
Refi 881 $169,025,000 $191,856
Cash Out Refi 524 $93,540,000 $178,511
Other 72 $8,060,000 $111,944
Home Improvement 54 $5,000,000 $92,593

Cullman's most frequently cited loan purpose was Home Purchase, with 1,500 originations. The 2nd most popular reason was Refi, with 881 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,019 $215,955,000 $211,928
3-4% 853 $175,165,000 $205,352
<2.5% 505 $102,865,000 $203,693
4-5% 71 $13,425,000 $189,085
Over 8% 63 $4,265,000 $67,698
6-7% 35 $3,655,000 $104,429
7-8% 31 $2,775,000 $89,516
5-6% 27 $2,115,000 $78,333

During 2021, Cullman's most frequently originated rate bucket was 2.5-3%, with 1,019 originations.

Loan Sizing (Cullman, AL MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,360 $201,120,000 $147,882
$200k-400k 826 $225,310,000 $272,772
$100,000 or less 642 $41,240,000 $64,237
$400k-600k 150 $72,740,000 $484,933
$600k-1000k 37 $27,665,000 $747,703
$Over $1MM 16 $22,090,000 $1,380,625

Cullman's loan sizing saw the bucket of loans from $100k-200k with 1,360 originations, totaling $201,120,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,213 $248,875,000 $205,173
60-80% 741 $164,805,000 $222,409
40-60% 292 $55,260,000 $189,247
20-40% 113 $13,335,000 $118,009
Under 20% 75 $4,145,000 $55,267
Over 100% 57 $13,015,000 $228,333

Cullman's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,213 originations, totaling $248,875,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Cullman (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $222,450 (17.4%) $290,473 (6.7%) 0.00 683
2018-02-01 $225,000 (18.8%) $290,741 (6.9%) 0.00 730
2018-03-01 $228,091 (14.4%) $289,547 (4.1%) 0.00 736
2018-04-01 $228,996 (9.1%) $292,737 (4.4%) 0.00 713
2018-05-01 $227,278 (-0.1%) $292,042 (0.5%) 0.00 710
2018-06-01 $229,400 (-5.4%) $301,957 (-1.2%) 0.00 703
2018-07-01 $229,000 (-4.4%) $307,854 (2.4%) 0.00 710
2018-08-01 $237,995 (4.3%) $310,816 (5.6%) 0.00 719
2018-09-01 $237,989 (5.3%) $307,800 (5.4%) 0.00 730
2018-10-01 $225,000 (-2.0%) $301,823 (2.3%) 0.00 711
2018-11-01 $215,000 (-6.5%) $294,939 (0.8%) 0.00 714
2018-12-01 $214,900 (-5.4%) $290,808 (0.5%) 0.00 664
2019-01-01 $214,900 (-3.4%) $302,918 (4.3%) 0.00 635
2019-02-01 $217,400 (-3.4%) $316,760 (9.0%) 0.00 637
2019-03-01 $226,657 (-0.6%) $328,187 (13.4%) 0.00 653
2019-04-01 $232,000 (1.3%) $332,322 (13.5%) 0.00 683
2019-05-01 $229,357 (0.9%) $335,470 (14.9%) 0.00 714
2019-06-01 $229,900 (0.2%) $342,116 (13.3%) 0.00 705
2019-07-01 $234,454 (2.4%) $341,302 (10.9%) 0.00 704
2019-08-01 $230,805 (-3.0%) $338,036 (8.8%) 0.00 658
2019-09-01 $235,051 (-1.2%) $340,127 (10.5%) 0.00 637
2019-10-01 $248,250 (10.3%) $342,128 (13.4%) 0.00 651
2019-11-01 $249,000 (15.8%) $341,829 (15.9%) 0.00 654
2019-12-01 $244,950 (14.0%) $343,064 (18.0%) 0.00 614
2020-01-01 $239,000 (11.2%) $334,308 (10.4%) 0.00 578
2020-02-01 $246,150 (13.2%) $340,590 (7.5%) 0.00 590
2020-03-01 $250,000 (10.3%) $355,914 (8.5%) 0.00 604
2020-04-01 $251,195 (8.3%) $355,746 (7.1%) 0.00 588
2020-05-01 $259,900 (13.3%) $360,663 (7.5%) 0.00 526
2020-06-01 $281,950 (22.6%) $368,485 (7.7%) 0.00 438
2020-07-01 $283,950 (21.1%) $376,412 (10.3%) 0.00 403
2020-08-01 $273,000 (18.3%) $367,344 (8.7%) 0.00 367
2020-09-01 $289,450 (23.1%) $377,177 (10.9%) 0.00 315
2020-10-01 $289,900 (16.8%) $374,684 (9.5%) 0.00 288
2020-11-01 $271,500 (9.0%) $354,266 (3.6%) 0.00 294
2020-12-01 $249,900 (2.0%) $343,431 (0.1%) 0.00 279
2021-01-01 $248,200 (3.9%) $352,718 (5.5%) 0.00 235
2021-02-01 $292,259 (18.7%) $369,799 (8.6%) 0.00 228
2021-03-01 $305,914 (22.4%) $388,970 (9.3%) 0.00 236
2021-04-01 $307,130 (22.3%) $387,982 (9.1%) 0.00 229
2021-05-01 $319,900 (23.1%) $403,785 (12.0%) 0.00 198
2021-06-01 $307,800 (9.2%) $396,731 (7.7%) 0.00 204
2021-07-01 $304,900 (7.4%) $403,837 (7.3%) 0.00 241
2021-08-01 $299,450 (9.7%) $403,344 (9.8%) 0.00 275
2021-09-01 $307,825 (6.4%) $403,580 (7.0%) 0.00 288
2021-10-01 $289,900 (0.0%) $420,113 (12.1%) 0.00 294
2021-11-01 $305,000 (12.3%) $437,982 (23.6%) 0.00 282
2021-12-01 $292,450 (17.0%) $435,813 (26.9%) 0.00 241
2022-01-01 $324,900 (30.9%) $459,720 (30.3%) 0.00 206
2022-02-01 $322,450 (10.3%) $494,021 (33.6%) 0.00 204
2022-03-01 $353,137 (15.4%) $541,228 (39.1%) 0.00 208
2022-04-01 $349,000 (13.6%) $530,851 (36.8%) 0.00 247
2022-05-01 $333,890 (4.4%) $518,079 (28.3%) 0.00 285
2022-06-01 $339,866 (10.4%) $525,540 (32.5%) 0.00 329
Cullman's median listing price for 2022-06-01 was $339,866, a difference of $32,066 (10.4%) versus the prior year and $5,976 versus the prior month.

Cullman's median listing price comes in at 0% of the national average.

Cullman's average listing price for 2022-06-01 was $525,540, a difference of $128,809 (32.5%) versus the prior year and $7,461 versus the prior month.

For the 2022-06-01 period, Cullman had 329 MLS listings, a difference of 44 listings (15%) versus the prior month and 125 listings (61%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Cullman (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,000 sqft
2018-02-01 0 days 2,000 sqft
2018-03-01 0 days 1,997 sqft
2018-04-01 0 days 1,994 sqft
2018-05-01 0 days 2,000 sqft
2018-06-01 0 days 2,000 sqft
2018-07-01 0 days 2,026 sqft
2018-08-01 0 days 2,058 sqft
2018-09-01 0 days 2,040 sqft
2018-10-01 0 days 2,002 sqft
2018-11-01 0 days 2,000 sqft
2018-12-01 0 days 2,000 sqft
2019-01-01 0 days 1,980 sqft
2019-02-01 0 days 1,996 sqft
2019-03-01 0 days 2,009 sqft
2019-04-01 0 days 2,042 sqft
2019-05-01 0 days 2,061 sqft
2019-06-01 0 days 2,085 sqft
2019-07-01 0 days 2,079 sqft
2019-08-01 0 days 2,048 sqft
2019-09-01 0 days 2,084 sqft
2019-10-01 0 days 2,116 sqft
2019-11-01 0 days 2,136 sqft
2019-12-01 0 days 2,137 sqft
2020-01-01 0 days 2,100 sqft
2020-02-01 0 days 2,135 sqft
2020-03-01 0 days 2,202 sqft
2020-04-01 0 days 2,250 sqft
2020-05-01 0 days 2,225 sqft
2020-06-01 0 days 2,314 sqft
2020-07-01 0 days 2,359 sqft
2020-08-01 0 days 2,332 sqft
2020-09-01 0 days 2,303 sqft
2020-10-01 0 days 2,300 sqft
2020-11-01 0 days 2,213 sqft
2020-12-01 0 days 2,087 sqft
2021-01-01 0 days 2,097 sqft
2021-02-01 0 days 1,745 sqft
2021-03-01 0 days 1,865 sqft
2021-04-01 0 days 1,800 sqft
2021-05-01 0 days 1,938 sqft
2021-06-01 0 days 2,011 sqft
2021-07-01 0 days 1,913 sqft
2021-08-01 0 days 2,025 sqft
2021-09-01 0 days 2,103 sqft
2021-10-01 0 days 2,004 sqft
2021-11-01 0 days 2,034 sqft
2021-12-01 0 days 1,958 sqft
2022-01-01 0 days 1,960 sqft
2022-02-01 0 days 2,007 sqft
2022-03-01 0 days 2,144 sqft
2022-04-01 0 days 2,138 sqft
2022-05-01 0 days 2,033 sqft
2022-06-01 0 days 2,020 sqft
Cullman's median listing age (time on market) for 2022-06-01 was 0 days.

Cullman's median square footage for active listings during the 2022-06-01 period was 2,020 sqft. One year prior, the average listing was 2,011 sqft.