Cullman County
Alabama · FIPS 01043
According to CFPB HMDA 2024 application volume among U.S. counties, Cullman County ranks #622 of 3,223, and #16 of 67 in Alabama.
Mortgage lending activity in Cullman County, Alabama based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Cullman County, Alabama lenders denied 610 of the applications reported here, financing the rest at an average note rate of 7.08%, with applicants self-reporting average annual income of $36K. 194 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.5x, meaning typical borrowers took on mortgages of about 5.5 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Cullman County
In Cullman County, lead originator Traditions Bank funded only 5.6% of 1,844 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 15.5% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Cullman County's 3,775 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Cullman County's $198,817 average loan (deduped against volume peers).
Lenders active in Cullman County
Traditions Bank funded 104 of the 1,844 loans originated in Cullman County, 5.6% of the county. 194 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Traditions Bank | 104 | 5.6% |
| 2 | Rocket Mortgage | 100 | 5.4% |
| 3 | United Wholesale Mortgage | 82 | 4.4% |
| 4 | Guild Mortgage Company | 77 | 4.2% |
| 5 | First Federal Bank | 69 | 3.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Cullman County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Cullman County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.