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.).
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.
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.
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.
