Homebuyers in Cullman County County who chose MORTGAGE RESEARCH CENTER, LLC paid $4,615 less in closing costs than the county median.
County Median Costs
$6,237
+2.1% vs Alabama ($6,111)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$2,095
Purchase Originations
743
Denial Rate
19.9%
vs Alabama avg (13.6%)
vs Alabama Median
2.1% above
$126
vs National Median
6.6% below
$-443
12 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,611 | 6.375% | $842 | 11 | −$2,193 | |
| 2 | $4,765 | 6.447% | $2,469 | 14 | −$39 | |
| 3 | $4,773 | 6.875% | $1,989 | 11 | −$31 | |
| 4 | $5,138 | 6.500% | $3,027 | 19 | +$334 | |
| 5 | $5,404 | 10.430% | $4,045 | 11 | +$600 | |
| 6 | $6,155 | 6.625% | $3,639 | 10 | +$1,351 | |
| 7 | $6,499 | 6.812% | $4,344 | 12 | +$1,695 | |
| 8 | $6,560 | 9.750% | $3,490 | 20 | +$1,756 |
Includes lenders with 10+ purchase originations in Cullman County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Alabama → Lender Directory
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.