Mortgage Lenders and Brokers in Cullman, Alabama
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Cullman, Alabama mortgage lenders include Traditions BankTraditions Bank109 2nd Ave Nw, Cullman, AL 35055A5.0 ★Texas Ratio: 10.74%, Premier Bank of the SouthPremier Bank of the South3323 Alabama Highway 157, Cullman, AL 35058A+5.0 ★Texas Ratio: 0.00%, Regions BankRegions Bank711 2nd Ave Sw, Cullman, AL 35055A+5.0 ★Texas Ratio: 4.37%, First National Bank of PulaskiFirst National Bank of Pulaski1645 Derenda Avenue Sw Suite E, Cullman, AL 35055A+5.0 ★Texas Ratio: 2.25%, EvaBankEvaBank1710 Cherokee Ave Sw, Cullman, AL 35055A5.0 ★Texas Ratio: 6.16%, Citizens Bank & TrustCitizens Bank & Trust1800 Park Ave, Cullman, AL 35055A-4.3 ★Texas Ratio: 0.87%, Peoples Bank of AlabamaPeoples Bank of Alabama5052 Alabama Highway 157 North, Cullman, AL 35055A+5.0 ★Texas Ratio: 3.77%, Wells Fargo Bank NAWells Fargo Bank NA1606 Town Sq Sw, Cullman, AL 35055A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.1715 2nd Ave Sw, Cullman, AL 35055A+5.0 ★Texas Ratio: 4.24%, and First Federal BankFirst Federal Bank5301 Highway 69 S, Tuscaloosa, AL 35405A+5.0 ★Texas Ratio: 2.80%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Cullman, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cullman are listed first, then lenders elsewhere in Alabama, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Cullman, Alabama
Market share is the lender's share of all home loans closed in Cullman, Alabama. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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109 2nd Ave Nw, Cullman, AL 35055 A5.0 ★Texas Ratio: 10.74% |
Conventional, Jumbo | 47 | 7.9% | 97.9% | $242,872 | View |
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3323 Alabama Highway 157, Cullman, AL 35058 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 26 | 4.4% | 100% | $151,538 | View |
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1 office in Cullman 711 2nd Ave Sw, Cullman, AL 35055 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 12 +10 HELOCs |
2% | 70.6% | $103,333 | View |
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1 office in Cullman 1645 Derenda Avenue Sw Suite E, Cullman, AL 35055 A+5.0 ★Texas Ratio: 2.25% |
Conventional, USDA | 9 | 1.5% | 90% | $192,777 | View |
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1710 Cherokee Ave Sw, Cullman, AL 35055 A5.0 ★Texas Ratio: 6.16% |
Conventional | 6 | 1% | 77.8% | $83,333 | View |
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2 offices in Cullman 1800 Park Ave, Cullman, AL 35055 A-4.3 ★Texas Ratio: 0.87% |
Conventional | 3 | 0.5% | 100% | $368,333 | View |
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1 office in Cullman 5052 Alabama Highway 157 North, Cullman, AL 35055 A+5.0 ★Texas Ratio: 3.77% |
Conventional | 2 | 0.3% | 33.3% | $50,000 | View |
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1 office in Cullman 1606 Town Sq Sw, Cullman, AL 35055 A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA | 2 | 0.3% | 100% | $235,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Cullman 1715 2nd Ave Sw, Cullman, AL 35055 A+5.0 ★Texas Ratio: 4.24% |
VA, HELOC | 1 +4 HELOCs |
0.2% | 100% | $225,000 | View |
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5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80% |
Conventional, FHA, USDA | 25 | 4.2% | 92.6% | $201,000 | View |
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1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72% |
Conventional, USDA | 8 | 1.3% | 90% | $223,750 | View |
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1069 N Main St, Arab, AL 35016 A+5.0 ★Texas Ratio: 2.10% |
Conventional, VA, HELOC | 6 +16 HELOCs |
1% | 66.7% | $140,000 | View |
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111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, VA, HELOC | 5 +1 HELOCs |
0.8% | 100% | $263,000 | View |
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44 Butler St, Cullman, AL 35058 F2.8 ★Texas Ratio: 41.33% |
Conventional, FHA | 4 | 0.7% | 100% | $140,000 | View |
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811 2nd Ave NW, Cullman, AL 35055 A+5.0 ★Texas Ratio: 1.16% |
Conventional | 4 | 0.7% | 66.7% | $150,000 | View |
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30966 Highway 278, Addison, AL 35540 A+5.0 ★Texas Ratio: 3.47% |
Conventional, FHA, HELOC | 3 +2 HELOCs |
0.5% | 100% | $295,000 | View |
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315 2nd Ave Se, Cullman, AL 35055 A5.0 ★Texas Ratio: 7.51% |
Conventional, VA | 3 | 0.5% | 45.5% | $205,000 | View |
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1501 31st Ave N, Birmingham, AL 35207 A+5.0 ★Texas Ratio: 0.89% |
Conventional, Jumbo | 2 | 0.3% | 100% | $745,000 | View |
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420 2nd Ave SW, Cullman, AL 35055 4107 A5.0 ★Texas Ratio: 7.13% |
Conventional | 2 | 0.3% | 100% | $95,000 | View |
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1901 Main Ave SW, Cullman, AL 35055 A+5.0 ★Texas Ratio: 5.72% |
Conventional | 2 | 0.3% | 66.7% | $195,000 | View |
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★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82% |
FHA | 2 | 0.3% | 50% | $235,000 | View |
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★ 5 stars, 1 review 2340 Woodcrest Pl, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo | 1 | 0.2% | 100% | $845,000 | View |
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2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75% |
FHA | 1 | 0.2% | 100% | $435,000 | View |
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112 N Jefferson St, Athens, AL 35611 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.2% | 100% | $75,000 | View |
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1850C Cherokee Ave SW Ste C, Cullman, AL 35055 5546 A+5.0 ★Texas Ratio: 3.96% |
Conventional | 1 | 0.2% | 50% | $15,000 | View |
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2779 Bell Rd, Montgomery, AL 36117 A+5.0 ★Texas Ratio: 3.17% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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22015 Us Highway 72, Athens, AL 35613 A+5.0 ★Texas Ratio: 1.45% |
FHA | 1 | 0.2% | 100% | $285,000 | View |
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★ 1 stars, 1 review 629 E Main St, Albertville, AL 35950 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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475 Green Springs Hwy, Birmingham, AL 35209 4921 A+5.0 ★Texas Ratio: 3.41% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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925 Quintard Ave, Anniston, AL 36201 A+5.0 ★Texas Ratio: 0.41% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1216 Wilmer Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 6.56% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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716 Richard Arrington Jr Blvd N, Birmingham, AL 35203 A5.0 ★Texas Ratio: 6.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
America'S First Federal CU
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Conventional, HELOC | 8 +25 HELOCs |
1.3% | 100% | $245,000 | |
Hamilton Mortgage Corporation
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FHA, USDA | 2 | 0.3% | 100% | $205,000 | |
Consumer First Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $105,000 | |
Cis Financial Services, Inc.
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FHA | 1 | 0.2% | 100% | $155,000 | |
Tjc Mortgage Inc
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Conventional | 1 | 0.2% | 100% | $225,000 | |
CSL Financial, LLC
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Conventional | 1 | 0.2% | 100% | $85,000 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 41 | 6.9% | 81.1% | $248,414 | |
Rocket Mortgage
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Conventional, FHA, VA | 40 | 6.7% | 77.8% | $170,750 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA | 32 | 5.4% | 84.6% | $254,687 | |
Guild Mortgage Company
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Conventional, FHA, VA, USDA | 25 | 4.2% | 100% | $169,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 19 | 3.2% | 86.4% | $209,210 | |
Mortgage Research Center
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VA | 17 | 2.9% | 85% | $263,823 | |
Stockton Mortgage Corporation
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Conventional, FHA, VA, USDA | 17 | 2.9% | 100% | $240,882 | |
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C-3.6 ★Texas Ratio: 31.27% |
Conventional, FHA, VA | 17 | 2.9% | 100% | $296,764 | View |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 11 | 1.8% | 92.3% | $274,090 | |
Lennar Mortgage, LLC
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Conventional, FHA | 9 | 1.5% | 81.8% | $175,000 | |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 7 | 1.2% | 100% | $266,428 | View |
Prosperity Home Mortgage, LLC
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Conventional, FHA, USDA | 7 | 1.2% | 72.7% | $299,285 | |
The Loan Store, Inc
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Conventional, HELOC | 6 +4 HELOCs |
1% | 85.7% | $183,333 | |
Newrez LLC
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Conventional, FHA, VA, USDA | 6 | 1% | 75% | $246,666 | |
Lendlo Mortgage, LLC
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Conventional, FHA, USDA | 6 | 1% | 100% | $220,000 | |
Nationstar Mortgage
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Conventional, FHA, VA | 6 | 1% | 85.7% | $206,666 | |
New American Funding, LLC.
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Conventional, FHA | 6 | 1% | 100% | $271,666 | |
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A+5.0 ★Texas Ratio: 5.42% |
Conventional | 5 | 0.8% | 85.7% | $397,000 | View |
21St Mortgage
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Conventional | 5 | 0.8% | 50% | $123,000 | |
loanDepot.com LLC
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Conventional, VA, HELOC | 4 +1 HELOCs |
0.7% | 50% | $115,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, FHA, USDA | 4 | 0.7% | 100% | $182,500 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, USDA | 4 | 0.7% | 100% | $252,500 | View |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 4 | 0.7% | 61.5% | $145,000 | View |
Amerisave Mortgage Company
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Conventional, FHA | 4 | 0.7% | 28.6% | $105,000 | |
Success Mortgage Partners, Inc
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Conventional, FHA | 4 | 0.7% | 100% | $142,500 | |
Towne Mortgage Company
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Conventional, FHA, USDA | 4 | 0.7% | 100% | $245,000 | |
Fairway Independent Mort Corp
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Conventional, FHA, USDA | 4 | 0.7% | 100% | $280,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 4 | 0.7% | 16% | $112,500 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 4 | 0.7% | 80% | $250,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +2 HELOCs |
0.5% | 50% | $145,000 | |
Synovus Bank
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Conventional, USDA, HELOC | 3 +1 HELOCs |
0.5% | 100% | $168,333 | |
Canopy Mortgage, LLC
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Conventional, FHA, VA | 3 | 0.5% | 100% | $245,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 3 | 0.5% | 100% | $278,333 | |
Union Home Mortgage Corp.
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Conventional, FHA | 3 | 0.5% | 100% | $215,000 | |
Planet Home Lending, LLC
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Conventional, FHA | 3 | 0.5% | 100% | $258,333 | |
Mutual of Omaha Mortgage
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Conventional, FHA, VA | 3 | 0.5% | 100% | $205,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 3 | 0.5% | 75% | $241,666 | |
Village Capital & Investment
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FHA | 3 | 0.5% | 83.3% | $218,333 | |
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A4.6 ★Texas Ratio: 2.08% |
FHA | 2 | 0.3% | 100% | $155,000 | View |
Royal United Mortgage LLC
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Conventional, VA | 2 | 0.3% | 100% | $100,000 | |
Lakeview Loan Servicing, LLC
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VA | 2 | 0.3% | 33.3% | $340,000 | |
Movement Mortgage, LLC
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Conventional, USDA | 2 | 0.3% | 100% | $320,000 | |
Filo Mortgage, LLC
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VA | 2 | 0.3% | 100% | $475,000 | |
AdvantageFirst Lending Inc
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FHA, VA | 2 | 0.3% | 100% | $215,000 | |
Assurance Financial Group, L.L.C.
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Conventional, FHA | 2 | 0.3% | 100% | $155,000 | |
New Day Financial, LLC.
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VA | 2 | 0.3% | 66.7% | $290,000 | |
Victorian Finance, LLC
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FHA, VA | 2 | 0.3% | 100% | $105,000 | |
Pike Creek Mortgage Services, Inc.
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FHA, VA | 2 | 0.3% | 100% | $205,000 | |
Gmfs, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $350,000 | |
Reliance First Capital, LLC
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Conventional, VA | 2 | 0.3% | 100% | $135,000 | |
Top Flite Financial, Inc.
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Conventional, FHA | 2 | 0.3% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.2% | 50% | $265,000 | View |
American Portfolio Mortgage Corporation
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VA | 1 | 0.2% | 100% | $305,000 | |
American Financial Resources LLC
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FHA | 1 | 0.2% | 100% | $175,000 | |
Contour Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $115,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $335,000 | |
CrossCountry Mortgage, LLC
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VA | 1 | 0.2% | 100% | $255,000 | |
Kind Lending, LLC
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USDA | 1 | 0.2% | 33.3% | $315,000 | |
Allied Mortgage Group, Inc
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FHA | 1 | 0.2% | 100% | $375,000 | |
United Trust Bank
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VA | 1 | 0.2% | 50% | $285,000 | |
Resicentral LLC
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Conventional | 1 | 0.2% | 100% | $75,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.2% | 50% | $535,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.2% | 100% | $165,000 | |
HomeBridge Financial Services, Inc
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Conventional | 1 | 0.2% | 100% | $185,000 | |
ClearPath Lending
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VA | 1 | 0.2% | 100% | $505,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 0.2% | 100% | $365,000 | |
Nfm, Inc
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.2% | 100% | $235,000 | |
Encompass Lending Group, L.P.
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FHA | 1 | 0.2% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.2% | 50% | $195,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 50% | $405,000 | View |
Milend, Inc
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Conventional | 1 | 0.2% | 100% | $175,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.2% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.2% | 100% | $385,000 | View |
Leaderone Financial Corp.
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FHA | 1 | 0.2% | 100% | $295,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $335,000 | |
JMAC Lending, Inc.
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FHA | 1 | 0.2% | 100% | $205,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Cadence Bank
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Goodleap, LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Cullman Mortgage Rate Trends
Daily average mortgage rates for Alabama compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Cullman, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Cullman? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cullman in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cullman, AL
Use these to narrow the list above. Each category shows how many Cullman, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Cullman, AL
Independent mortgage companies closed 64.6 percent of home loans in Cullman, Alabama in 2025, banks 30.7 percent and credit unions 4.7 percent. Hamilton Mortgage Corporation was the largest mortgage company, Traditions Bank the largest bank and Redstone Federal Credit Union the largest credit union. Among lenders headquartered in Alabama, Traditions Bank led with 47 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in Alabama. Deed recordation tax of $0.50 per $500 of value (0.10 percent) plus a mortgage recordation tax of $0.15 per $100 of debt (0.15 percent), Ala. Code 40-22-1 and 40-22-2.
More Alabama Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Cullman, AL
By home loans closed in 2025, Traditions Bank was the largest mortgage lender in Cullman, Alabama with 47 loans, about 7.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
50 lenders closed FHA loans in Cullman, Alabama in 2025, led by DHI Mortgage Company, LTD. with 19. 32 lenders closed VA loans, led by Mortgage Research Center, and 18 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 33 banks and 13 credit unions closed home loans in Cullman, Alabama in 2025, alongside 76 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Cullman, Alabama during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Cullman, Alabama for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Cullman. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
