Alabama · HMDA 2025
Mortgage lenders in Cullman County, AL
264 lenders reported 4,175 home-loan applications in Cullman County in 2025. 2,033 closed as loans ($456.4M), 812 were denied — a 26.8% denial rate on decided applications, above the Alabama rate of 24.7%. The three most active lenders handled 15% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 4,175
- Loans originated
- 2,033
- Purchase / refinance
- 1,137 / 626
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cullman County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 249 | 6.0% | — |
| 2 | PENNYMAC LOAN SERVICES, LLC | 181 | 4.3% | — |
| 3 | Rocket Mortgage, LLC | 181 | 4.3% | — |
| 4 | 21st Mortgage Corporation | 180 | 4.3% | — |
| 5 | Traditions Bank 65 out of 100, Moderate | 157 | 3.8% | 0.8% |
| 6 | GUILD MORTGAGE COMPANY | 120 | 2.9% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 119 | 2.9% | — |
| 8 | REDSTONE Federal Credit Union 85 out of 100, Very strong | 119 | 2.9% | 23.2% |
| 9 | Regions Bank 64 out of 100, Moderate | 115 | 2.8% | 43.1% |
| 10 | TRIAD FINANCIAL SERVICES, INC. | 103 | 2.5% | — |
| 11 | Mortgage Research Center, LLC | 103 | 2.5% | — |
| 12 | AMERICA'S FIRST | 100 | 2.4% | — |
| 13 | First Federal Bank, A FSB 55 out of 100, Moderate | 99 | 2.4% | 4.5% |
| 14 | FREEDOM MORTGAGE CORPORATION | 86 | 2.1% | — |
| 15 | NEWREZ LLC | 84 | 2.0% | — |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 83 | 2.0% | — |
| 17 | FirstBank 59 out of 100, Moderate | 77 | 1.8% | 42.8% |
| 18 | Premier Bank of the South | 76 | 1.8% | — |
| 19 | STOCKTON MORTGAGE CORPORATION | 66 | 1.6% | — |
| 20 | DHI MORTGAGE COMPANY, LTD. | 62 | 1.5% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 61 | 1.5% | — |
| 22 | EvaBank | 55 | 1.3% | — |
| 23 | Loandepot.Com, LLC | 52 | 1.2% | — |
| 24 | AmeriSave Mortgage Corporation | 50 | 1.2% | — |
| 25 | Broker Solutions, Inc. | 46 | 1.1% | — |
| 26 | Peoples Bank of Alabama 76 out of 100, Strong | 45 | 1.1% | 22.4% |
| 27 | PLANET HOME LENDING, LLC | 38 | 0.9% | — |
| 28 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 37 | 0.9% | 14.1% |
| 29 | Renasant Bank 64 out of 100, Moderate | 37 | 0.9% | 11.6% |
| 30 | THE LOAN STORE, INC. | 34 | 0.8% | — |
| 31 | VILLAGE CAPITAL & INVESTMENT LLC | 30 | 0.7% | — |
| 32 | FIGURE LENDING LLC | 29 | 0.7% | — |
| 33 | PNC Bank, National Association 62 out of 100, Moderate | 27 | 0.6% | 33.8% |
| 34 | SOUTHWEST STAGE FUNDING, LLC | 26 | 0.6% | — |
| 35 | Navy Federal Credit Union 66 out of 100, Moderate | 24 | 0.6% | 32.9% |
| 36 | Fairway Independent Mortgage Corporation | 24 | 0.6% | — |
| 37 | Prosperity Home Mortgage, LLC | 24 | 0.6% | — |
| 38 | LAKEVIEW LOAN SERVICING, LLC | 24 | 0.6% | — |
| 39 | MORTGAGE INVESTORS GROUP, INC. | 24 | 0.6% | — |
| 40 | Heritage Mortgage, LLC | 23 | 0.6% | — |
Top 40 of 264 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Alabama
- Jefferson County 28,393 apps
- Madison County 23,854 apps
- Baldwin County 17,566 apps
- Mobile County 16,489 apps
- Shelby County 12,554 apps
- Montgomery County 9,224 apps
- Tuscaloosa County 8,980 apps
- Lee County 8,781 apps
- Limestone County 7,909 apps
- Morgan County 5,666 apps
- St. Clair County 5,338 apps
- Houston County 4,894 apps