Largest lenders in Cullman County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 249 | 54 | 39.4% | 9.99% |
| 2 | 21st Mortgage | F | 180 | 27 | 51.7% | 10.42% |
| 3 | Rocket Mortgage | C | 178 | 117 | 27.0% | 6.63% |
| 4 | Traditions Bank | A | 157 | 153 | 0.6% | — |
| 5 | United Shore Financial Services | B | 119 | 77 | 18.5% | 6.13% |
| 6 | REDSTONE Federal Credit Union | C | 119 | 56 | 28.6% | 8.13% |
| 7 | Guild Mortgage | A | 116 | 81 | 5.2% | 6.50% |
| 8 | Regions Bank | C | 115 | 53 | 43.5% | 6.38% |
| 9 | Mortgage Research Center | C | 103 | 41 | 27.2% | 6.25% |
| 10 | Triad Financial Services | D | 103 | 28 | 36.9% | 8.00% |
| 11 | America'S First | B | 100 | 82 | 10.0% | 5.75% |
| 12 | First Federal Bank, A | B | 99 | 70 | 4.0% | 6.13% |
| 13 | Pennymac Loan Services | C | 77 | 47 | 10.4% | 6.50% |
| 14 | FirstBank | C | 77 | 18 | 53.3% | 8.99% |
| 15 | Freedom Mortgage | B | 77 | 34 | 6.5% | 6.25% |
| 16 | Premier Bank of the South | A | 76 | 76 | 0.0% | — |
| 17 | Stockton Mortgage | D | 66 | 42 | 7.6% | 6.63% |
| 18 | Dhi Mortgage Company | B | 62 | 42 | 16.1% | 4.99% |
| 19 | EvaBank | F | 55 | 31 | 18.2% | — |
| 20 | Loandepot.Com | D | 52 | 19 | 38.5% | 8.25% |
| 21 | AmeriSave Mortgage | D | 50 | 9 | 68.0% | 7.00% |
| 22 | Newrez | D | 48 | 17 | 14.6% | 6.63% |
| 23 | Broker Solutions | D | 46 | 18 | 15.2% | 6.69% |
| 24 | Peoples Bank of Alabama | D | 45 | 24 | 26.7% | — |
| 25 | Renasant Bank | B | 37 | 26 | 8.1% | 6.63% |
Best approval odds in Cullman County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Premier Bank of the South | 76 | 0.0% |
| 2 | Traditions Bank | 155 | 0.7% |
| 3 | First Federal Bank, A | 74 | 5.4% |
| 4 | Guild Mortgage | 95 | 6.3% |
| 5 | America'S First | 93 | 10.8% |
| 6 | Pennymac Loan Services | 55 | 14.6% |
| 7 | Dhi Mortgage Company | 54 | 18.5% |
| 8 | United Shore Financial Services | 100 | 22.0% |
| 9 | Rocket Mortgage | 169 | 28.4% |
| 10 | REDSTONE Federal Credit Union | 101 | 33.7% |
What Cullman County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Cullman County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,265 | 1,716 | 21.3% | 6.88% | $155,000 |
| 2024 | 3,306 | 1,848 | 18.5% | 6.75% | $165,000 |
| 2025 | 3,763 | 2,033 | 21.6% | 6.50% | $155,000 |
Frequently asked questions
21.6% of applications in Cullman County were denied in 2025, against 19.9% statewide in Alabama.
Vanderbilt Mortgage and Finance, with 249 applications in 2025 and a denial rate of 39.4%.
The median mortgage application in Cullman County in 2025 was for $155,000; the median property value on originated loans was $255,000.