Cullman Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Cullman averaged
7.03%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.06% and
one month ago for the week of 2025-05-15, the
average rate was 6.73%.
Cullman's average rate one year ago was 6.77%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.99%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Cullman 30 Year Fixed Rate | 2025-06-18 | 7.03% |
| Cullman 30 Year Fixed Rate Refi | 2025-06-18 | 6.99% |
| Cullman 15 Year Fixed Rate | 2025-06-18 | 6.16% |
| Cullman 15 Year Fixed Rate Refi | 2025-06-18 | 6.46% |
| Cullman 30 Year FHA | 2025-06-18 | -0.22% |
| Cullman 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Cullman 30 Year USDA | 2025-06-18 | -0.15% |
| Cullman 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Cullman 30 Year VA | 2025-06-18 | 0.19% |
| Cullman 30 Year VA Refi | 2025-06-18 | 0% |
Cullman Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, 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 Average Closing Costs & Other Stats
Cullman, AL's 95 lenders originated 1,836
loans during 2024. The total origination value was $385,300,000, with an average loan value of
$209,858.
Cullman's average closing costs are $5,210.
The top Cullman lender as defined by loan originations is QUICKEN LOANS, LLC, with
42 loans originated. Their average total fees are
$6,619, which is $269
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Cullman lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($2,178), REDSTONE Federal Credit Union ($3,515), GUILD MORTGAGE COMPANY ($4,930), AMERICA'S FIRST ($5,025) and Renasant Bank ($5,351).
The lowest rate Cullman lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.77%), MORTGAGE INVESTORS GROUP, INC. (6.09%), REDSTONE Federal Credit Union (6.47%), STOCKTON MORTGAGE CORPORATION (6.50%) and AMERICA'S FIRST (6.58%).
Cullman, AL Mortgage 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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $20,255,000 | $19,330,000 | -4.6% | 5.0% |
| Traditions Bank | $21,410,000 | $19,070,000 | -10.9% | 4.9% |
| QUICKEN LOANS, LLC | $15,980,000 | $18,000,000 | 12.6% | 4.7% |
| Renasant Bank | $6,070,000 | $16,015,000 | 163.8% | 4.2% |
| GUILD MORTGAGE COMPANY | $9,990,000 | $15,685,000 | 57.0% | 4.1% |
| First Federal Bank, A FSB | $7,225,000 | $12,825,000 | 77.5% | 3.3% |
| Flagstar Bank, FSB | $560,000 | $10,480,000 | 1,771.4% | 2.7% |
| FREEDOM MORTGAGE CORPORATION | $6,010,000 | $10,275,000 | 71.0% | 2.7% |
| Regions Bank | $9,615,000 | $9,165,000 | -4.7% | 2.4% |
| Mortgage Research Center, LLC | $6,770,000 | $9,070,000 | 34.0% | 2.4% |
| Premier Bank of the South | $9,325,000 | $8,940,000 | -4.1% | 2.3% |
| PENNYMAC LOAN SERVICES, LLC | $2,835,000 | $7,450,000 | 162.8% | 1.9% |
| STOCKTON MORTGAGE CORPORATION | $5,325,000 | $7,275,000 | 36.6% | 1.9% |
| MORTGAGE INVESTORS GROUP, INC. | $3,480,000 | $6,970,000 | 100.3% | 1.8% |
| DHI MORTGAGE COMPANY, LTD. | $4,535,000 | $6,725,000 | 48.3% | 1.7% |
| AMERICA'S FIRST | $7,875,000 | $6,370,000 | -19.1% | 1.7% |
| REDSTONE Federal Credit Union | $6,230,000 | $6,330,000 | 1.6% | 1.6% |
| First National Bank of Pulaski | $3,875,000 | $5,965,000 | 53.9% | 1.5% |
| UNION HOME MORTGAGE CORP. | $3,250,000 | $5,855,000 | 80.2% | 1.5% |
| 21ST MORTGAGE CORPORATION | $5,655,000 | $4,925,000 | -12.9% | 1.3% |
| FirstBank | $6,545,000 | $4,665,000 | -28.7% | 1.2% |
| EAGLE HOME MORTGAGE, LLC | $6,135,000 | $4,335,000 | -29.3% | 1.1% |
| LOANDEPOT.COM, LLC | $2,325,000 | $3,935,000 | 69.2% | 1.0% |
| MOVEMENT MORTGAGE, LLC | $5,665,000 | $3,685,000 | -35.0% | 1.0% |
| NAVY FEDERAL CREDIT UNION | $1,760,000 | $3,585,000 | 103.7% | 0.9% |
| The Loan Store, Inc. | $2,515,000 | $3,555,000 | 41.4% | 0.9% |
| BankFirst Financial Services | $5,350,000 | $3,550,000 | -33.6% | 0.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $5,070,000 | $3,510,000 | -30.8% | 0.9% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,260,000 | $3,380,000 | 168.3% | 0.9% |
| Ameris Bank | $2,020,000 | $3,240,000 | 60.4% | 0.8% |
| Peoples Bank of Alabama | $3,985,000 | $3,030,000 | -24.0% | 0.8% |
| Wells Fargo Bank | $1,400,000 | $3,030,000 | 116.4% | 0.8% |
| Pinnacle Bank | $3,300,000 | $2,925,000 | -11.4% | 0.8% |
| First National Bank | $2,895,000 | n/a | 0.8% | |
| CANOPY MORTGAGE, LLC | $285,000 | $2,815,000 | 887.7% | 0.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $6,805,000 | $2,660,000 | -60.9% | 0.7% |
| FIRST COLONY MORTGAGE CORPORATION | $2,580,000 | n/a | 0.7% | |
| GMFS LLC | $830,000 | $2,475,000 | 198.2% | 0.6% |
| Synovus Bank | $5,120,000 | $2,455,000 | -52.1% | 0.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,245,000 | $2,325,000 | 86.7% | 0.6% |
| The Hometown Bank of Alabama | $2,605,000 | $2,150,000 | -17.5% | 0.6% |
| JPMorgan Chase Bank | $1,685,000 | $2,145,000 | 27.3% | 0.6% |
| Prosperity Home Mortgage, LLC | $2,910,000 | $2,065,000 | -29.0% | 0.5% |
| TOWNE MORTGAGE COMPANY | $145,000 | $2,065,000 | 1,324.1% | 0.5% |
| ServisFirst Bank | $2,030,000 | $1,965,000 | -3.2% | 0.5% |
| TRIAD FINANCIAL SERVICES, INC. | $1,650,000 | $1,955,000 | 18.5% | 0.5% |
| Trustmark National Bank | $2,175,000 | $1,935,000 | -11.0% | 0.5% |
| BROKER SOLUTIONS, INC. | $1,620,000 | $1,910,000 | 17.9% | 0.5% |
| USAA Federal Savings Bank | $1,220,000 | $1,890,000 | 54.9% | 0.5% |
| EvaBank | $5,030,000 | $1,875,000 | -62.7% | 0.5% |
| PNC Bank | $2,745,000 | $1,825,000 | -33.5% | 0.5% |
| VILLAGE CAPITAL MORTGAGE | $315,000 | $1,805,000 | 473.0% | 0.5% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $1,075,000 | $1,780,000 | 65.6% | 0.5% |
| Citizens Bank & Trust | $1,210,000 | $1,705,000 | 40.9% | 0.4% |
| SouthPoint Bank | $7,395,000 | $1,665,000 | -77.5% | 0.4% |
| Listerhill Credit Union | $1,985,000 | $1,555,000 | -21.7% | 0.4% |
| Bank Independent | $935,000 | $1,520,000 | 62.6% | 0.4% |
| BancorpSouth | $2,325,000 | $1,470,000 | -36.8% | 0.4% |
| First Horizon Bank | $1,475,000 | $1,370,000 | -7.1% | 0.4% |
| NEWREZ LLC | $2,670,000 | $1,355,000 | -49.3% | 0.4% |
| Bryant Bank | $295,000 | $1,325,000 | 349.2% | 0.3% |
| CARDINAL FINANCIAL | $1,490,000 | $1,310,000 | -12.1% | 0.3% |
| CSL Financial, LLC | $620,000 | $1,295,000 | 108.9% | 0.3% |
| CMG MORTGAGE, INC. | $450,000 | $1,270,000 | 182.2% | 0.3% |
| SOUTHWEST STAGE FUNDING, LLC | $680,000 | $1,260,000 | 85.3% | 0.3% |
| Total Media Management, LLC | $1,260,000 | n/a | 0.3% | |
| FIRST COMMUNITY MORTGAGE, INC. | $1,190,000 | $1,225,000 | 2.9% | 0.3% |
| Hamilton Mortgage Corporation | $1,115,000 | $1,190,000 | 6.7% | 0.3% |
| AVADIAN | $245,000 | $1,170,000 | 377.6% | 0.3% |
| PENTAGON FEDERAL CREDIT UNION | $425,000 | $1,170,000 | 175.3% | 0.3% |
| ALABAMA CREDIT UNION | $605,000 | $1,095,000 | 81.0% | 0.3% |
| Bank of America | $1,500,000 | $1,090,000 | -27.3% | 0.3% |
| River Bank & Trust | $2,800,000 | $1,075,000 | -61.6% | 0.3% |
| GUARANTEED RATE, INC. | $2,015,000 | $1,040,000 | -48.4% | 0.3% |
| TJC Mortgage, Inc. | $765,000 | $990,000 | 29.4% | 0.3% |
| LEADERONE FINANCIAL CORPORATION | $995,000 | $950,000 | -4.5% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $805,000 | $905,000 | 12.4% | 0.2% |
| Consumer First Mortgage, Inc. | $1,355,000 | $900,000 | -33.6% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $890,000 | n/a | 0.2% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $890,000 | n/a | 0.2% | |
| Magnolia Bank | $155,000 | $885,000 | 471.0% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $910,000 | $880,000 | -3.3% | 0.2% |
| Assurance Financial Group, L.L.C. | $450,000 | $835,000 | 85.6% | 0.2% |
| BETTER MORTGAGE CORPORATION | $820,000 | n/a | 0.2% | |
| LAKEVIEW LOAN SERVICING, LLC | $145,000 | $820,000 | 465.5% | 0.2% |
| SECURITYNATIONAL MORTGAGE COMPANY | $155,000 | $810,000 | 422.6% | 0.2% |
| Equity Prime Mortgage LLC | $175,000 | $800,000 | 357.1% | 0.2% |
| The Federal Savings Bank | $350,000 | $790,000 | 125.7% | 0.2% |
| United Community Bank | $895,000 | $780,000 | -12.8% | 0.2% |
| Goldwater Bank, N.A. | $765,000 | n/a | 0.2% | |
| GoPrime Mortgage, Inc. | $765,000 | n/a | 0.2% | |
| Stifel Bank and Trust | $735,000 | n/a | 0.2% | |
| Plains Commerce Bank | $1,015,000 | $700,000 | -31.0% | 0.2% |
| PLANET HOME LENDING, LLC | $535,000 | $665,000 | 24.3% | 0.2% |
| Carrington Mortgage Services, LLC | $710,000 | $660,000 | -7.0% | 0.2% |
| Legacy Home Loans, LLC | $650,000 | n/a | 0.2% | |
| ENDEAVOR CAPITAL, LLC. | $635,000 | n/a | 0.2% | |
| Morgan Stanley Private Bank | $620,000 | n/a | 0.2% | |
| CHURCHILL MORTGAGE CORPORATION | $205,000 | $605,000 | 195.1% | 0.2% |
| NBKC BANK | $245,000 | $590,000 | 140.8% | 0.2% |
| NEW DAY FINANCIAL, LLC | $1,040,000 | $570,000 | -45.2% | 0.1% |
| ACIPCO Federal Credit Union | $1,415,000 | $540,000 | -61.8% | 0.1% |
| Nations Lending Corporation | $400,000 | $525,000 | 31.3% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $215,000 | $490,000 | 127.9% | 0.1% |
| CB&S Bank, Inc. | $2,270,000 | $490,000 | -78.4% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $165,000 | $490,000 | 197.0% | 0.1% |
| FBC MORTGAGE, LLC | $485,000 | n/a | 0.1% | |
| SUMMIT FUNDING, INC. | $385,000 | $475,000 | 23.4% | 0.1% |
| The Central Trust Bank | $475,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $565,000 | $465,000 | -17.7% | 0.1% |
| Princeton Mortgage Corporation | $465,000 | n/a | 0.1% | |
| ISERVE RESIDENTIAL LENDING, LLC | $325,000 | $435,000 | 33.8% | 0.1% |
| U.S. Bank | $280,000 | $395,000 | 41.1% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $380,000 | n/a | 0.1% | |
| South State Bank | $295,000 | $380,000 | 28.8% | 0.1% |
| EMBRACE HOME LOANS, INC. | $375,000 | n/a | 0.1% | |
| SmartBank | $370,000 | n/a | 0.1% | |
| Truist | $55,000 | $370,000 | 572.7% | 0.1% |
| MICHIGAN MUTUAL, INC. | $115,000 | $365,000 | 217.4% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $190,000 | $365,000 | 92.1% | 0.1% |
| Cornerstone First Mortgage, Inc | $355,000 | n/a | 0.1% | |
| FIRST CONTINENTAL MORTGAGE, LTD. | $355,000 | $355,000 | 0.0% | 0.1% |
| INTERCOASTAL MORTGAGE COMPANY | $355,000 | n/a | 0.1% | |
| Family Security Credit Union | $900,000 | $350,000 | -61.1% | 0.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $350,000 | n/a | 0.1% | |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $455,000 | $340,000 | -25.3% | 0.1% |
| CLEARPATH LENDING | $335,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $335,000 | n/a | 0.1% | |
| LAND HOME FINANCIAL SERVICES, INC. | $330,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $115,000 | $330,000 | 187.0% | 0.1% |
| Old National Bank | $325,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $320,000 | n/a | 0.1% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $295,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $105,000 | $290,000 | 176.2% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $445,000 | $270,000 | -39.3% | 0.1% |
| SeaTrust Mortgage Company | $265,000 | n/a | 0.1% | |
| SWBC MORTGAGE CORPORATION | $265,000 | n/a | 0.1% | |
| Charles Schwab Bank, SSB | $260,000 | n/a | 0.1% | |
| OCMBC, INC. | $255,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $125,000 | $245,000 | 96.0% | 0.1% |
| Discover Bank | $525,000 | $245,000 | -53.3% | 0.1% |
| First South Farm Credit, ACA | $45,000 | $245,000 | 444.4% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $245,000 | n/a | 0.1% | |
| TEACHERS CREDIT UNION | $245,000 | n/a | 0.1% | |
| LENDINGONE, LLC | $27,950,000 | $240,000 | -99.1% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $235,000 | n/a | 0.1% | |
| GSF Mortgage Corporation | $225,000 | n/a | 0.1% | |
| MILEND, INC. | $205,000 | $225,000 | 9.8% | 0.1% |
| CIS Financial Services, Inc. | $1,510,000 | $220,000 | -85.4% | 0.1% |
| 1ST SIGNATURE LENDING, LLC | $125,000 | $215,000 | 72.0% | 0.1% |
| Figure Lending LLC | $270,000 | $210,000 | -22.2% | 0.1% |
| AMERICAN FINANCING CORPORATION | $205,000 | n/a | 0.1% | |
| BMO Harris Bank | $1,445,000 | $205,000 | -85.8% | 0.1% |
| S1L, Inc. | $380,000 | $205,000 | -46.1% | 0.1% |
| Secured Investment Corp. | $195,000 | n/a | 0.1% | |
| Victorian Finance, LLC | $780,000 | $195,000 | -75.0% | 0.1% |
| Metro City Bank | $185,000 | n/a | 0.0% | |
| Bank of England | $280,000 | $165,000 | -41.1% | 0.0% |
| BankPlus | $165,000 | n/a | 0.0% | |
| STANDARD MORTGAGE CORPORATION | $165,000 | n/a | 0.0% | |
| Citizens Bank | $2,080,000 | $160,000 | -92.3% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $410,000 | $155,000 | -62.2% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $155,000 | n/a | 0.0% | |
| EMM LOANS LLC | $215,000 | $145,000 | -32.6% | 0.0% |
| SOUTH CENTRAL BANK, INC. | $180,000 | $145,000 | -19.4% | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $135,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $125,000 | n/a | 0.0% | |
| Texana Bank | $125,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $625,000 | $115,000 | -81.6% | 0.0% |
| APCO EMPLOYEES | $2,835,000 | $110,000 | -96.1% | 0.0% |
| KEESLER | $105,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $35,000 | $90,000 | 157.1% | 0.0% |
| Baxter Credit Union | $75,000 | n/a | 0.0% | |
| Gateway First Bank | $4,745,000 | $65,000 | -98.6% | 0.0% |
| Granite Community Bank | $65,000 | n/a | 0.0% | |
| Alabama One Credit Union | $395,000 | $55,000 | -86.1% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $230,000 | $55,000 | -76.1% | 0.0% |
| Coastal Community Bank | $75,000 | $50,000 | -33.3% | 0.0% |
| Sunflower Bank | $45,000 | n/a | 0.0% | |
| HONDA Federal Credit Union | $35,000 | n/a | 0.0% |
Cullman's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 5.0% market share. In second place, with 4.9%, is Traditions Bank, having originated $19,070,000 in loans. In third place, with 4.7%, is QUICKEN LOANS, LLC, having originated $18,000,000 in loans. In fourth place, with 4.2%, is Renasant Bank, having originated $16,015,000 in loans. In fifth place, with 4.1%, is GUILD MORTGAGE COMPANY, having originated $15,685,000 in loans.
Cullman, AL Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,132 | $261,770,000 | $231,246 |
| Refi | 259 | $62,855,000 | $242,683 |
| Cash Out Refi | 226 | $41,880,000 | $185,310 |
| Other | 128 | $11,410,000 | $89,141 |
| Home Improvement | 91 | $7,385,000 | $81,154 |
Cullman's most frequently cited loan purpose was Home Purchase, with 1,132 originations. The 2nd most popular reason was Refi, with 259 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 654 | $161,450,000 | $246,865 |
| 5-6% | 324 | $77,210,000 | $238,302 |
| Over 8% | 307 | $33,765,000 | $109,984 |
| 7-8% | 263 | $58,395,000 | $222,034 |
| 4-5% | 41 | $9,255,000 | $225,732 |
| 3-4% | 5 | $855,000 | $171,000 |
| <2.5% | 3 | $535,000 | $178,333 |
| 2.5-3% | 1 | $295,000 | $295,000 |
During 2024, Cullman's most frequently originated rate bucket was 6-7%, with 654 originations.
Loan Sizing (Cullman, AL MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 637 | $173,555,000 | $272,457 |
| $100k-200k | 609 | $92,655,000 | $152,143 |
| $100,000 or less | 432 | $23,920,000 | $55,370 |
| $400k-600k | 106 | $50,720,000 | $478,491 |
| $600k-1000k | 41 | $29,805,000 | $726,951 |
| $Over $1MM | 11 | $14,645,000 | $1,331,364 |
Cullman's loan sizing saw the bucket of loans from $200k-400k with 637 originations, totaling $173,555,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 794 | $196,410,000 | $247,368 |
| 60-80% | 289 | $75,175,000 | $260,121 |
| Under 20% | 166 | $7,440,000 | $44,819 |
| 20-40% | 139 | $15,545,000 | $111,835 |
| 40-60% | 124 | $27,540,000 | $222,097 |
| Over 100% | 42 | $9,950,000 | $236,905 |
Cullman's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 794 originations, totaling $196,410,000 in origination value.