Mortgage lending in Cullman County
2,033 mortgages were originated in Cullman County, Alabama, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,033
- Median rate
- 6.500%
- Median lender fees
- $5,668
- Median loan amount
- $175,000
- Median spread over APOR
- 0.381
- Paid discount points
- 33.9%
- Received lender credits
- 21.5%
- Purchases / refinances
- 55.9% / 30.8%
- Conventional / FHA / VA
- 68.4% / 17% / 10%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 62.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Cullman County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Traditions Bank | 153 | — | — |
| Rocket Mortgage, LLC | 117 | $5,698 | 6.625% |
| AMERICA'S FIRST | 82 | — | 5.750% |
| GUILD MORTGAGE COMPANY | 81 | $6,578 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 77 | $7,434 | 6.125% |
| Premier Bank of the South | 76 | — | — |
| First Federal Bank, A FSB | 70 | $7,330 | 6.125% |
| REDSTONE Federal Credit Union | 56 | — | 8.125% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 54 | — | 9.990% |
| Regions Bank | 53 | — | 6.375% |
What lenders charged here
Lender fees on a $175,000 loan, based on what was actually charged in Cullman County — not a rule of thumb.
From 1,277 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers