Mortgage lending in Cullman County, Alabama
Lenders in Cullman County, Alabama reported 3,763 mortgage applications for 2025, according to the CFPB.
3,763 mortgage applications and 2,033 loans originated in 2025; the denial rate was 26.8% of 3,026 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cullman County, AL.
- 3,763
- Applications
- 2,033
- Loans originated
- 26.8%
- Denial rate
- 812 denied of 3,026 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,763 | 2,033 |
| 2024 | 3,306 | 1,848 |
| 2023 | 3,265 | 1,716 |
| 2022 | 3,958 | 2,224 |
| 2021 | 4,987 | 3,043 |
| 2020 | 4,949 | 2,930 |
| 2019 | 3,184 | 1,954 |
| 2018 | 2,903 | 1,600 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Traditions Bank | 153 | 157 |
| Rocket Mortgage | 117 | 178 |
| America's First Federal Cu | 82 | 100 |
| Guild Mortgage Company | 81 | 116 |
| United Wholesale Mortgage | 77 | 119 |
| Premier Bank of the South | 76 | 76 |
| First Federal Bank | 70 | 99 |
| Redstone Federal Credit Union | 56 | 119 |
| Vanderbilt Mortgage and Finance, Inc | 54 | 249 |
| Regions Bank | 53 | 115 |
| Pennymac Loan Services LLC | 47 | 77 |
| DHI Mortgage Company, LTD. | 42 | 62 |
| Stockton Mortgage Corporation | 42 | 66 |
| Mortgage Research Center | 41 | 103 |
| Freedom Mortgage Corporation | 34 | 77 |
| EvaBank | 31 | 55 |
| Triad Financial Services, Inc. | 28 | 103 |
| 21ST Mortgage | 27 | 180 |
| Renasant Bank | 26 | 37 |
| Peoples Bank of Alabama | 24 | 45 |
| The Loan Store, Inc | 23 | 34 |
| loanDepot.com LLC | 19 | 52 |
| Fairway Independent Mort Corp | 19 | 23 |
| Citizens Bank & Trust | 18 | 22 |
| New American Funding, LLC. | 18 | 46 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 41 | no rate: base under 50 |
| Asian | 25 | no rate: base under 50 |
| Black or African American | 45 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,168 | 25.3% of 2,560 decided |
| 2 or more minority races | under 10 | |
| Joint | 36 | no rate: base under 50 |
| Race Not Available | 436 | 32.1% of 352 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 118 | 33.0% of 94 decided |
| Not Hispanic or Latino | 3,098 | 25.3% of 2,496 decided |
| Joint | withheld | |
| Ethnicity Not Available | 493 | 35.0% of 391 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,421 | 27.0% of 1,141 decided |
| Female | 742 | 32.1% of 580 decided |
| Joint | 1,324 | 22.9% of 1,076 decided |
| Sex Not Available | 276 | 31.4% of 229 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1359 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved