Lowest closing cost mortgage lenders in Cullman County County, Alabama
In Cullman County, Alabama, homebuyers paid a median of $6,024 in closing costs in 2024 — near the Alabama median of $6,033. The county saw 816 purchase mortgages at a median rate of 6.55%. Among lenders with 10+ originations, MORTGAGE RESEARCH CENTER, LLC offered the lowest median costs at $1,474, which is $2,498 less than the county median.
Homebuyers in Cullman County County who chose MORTGAGE RESEARCH CENTER, LLC paid $4,550 less in closing costs than the county median.
County Median Costs
$6,024
−0.1% vs Alabama ($6,033)
Median Rate
6.550%
−1.1% vs national (6.620%)
Median Origination
$2,263
Purchase Originations
816
vs Alabama Median
0.1% below
$-9
vs National Median
10.6% below
$-717
Lender rankings in Cullman County County
17 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,842 | 8.690% | $1,739 | 14 | −$2,723 | |
| 2 | $2,119 | 5.875% | $0 | 15 | −$2,446 | |
| 3 | $2,997 | 6.500% | $899 | 13 | −$1,568 | |
| 4 | $4,246 | 6.750% | $2,555 | 11 | −$320 | |
| 5 | $4,270 | 6.125% | $1,810 | 14 | −$295 | |
| 6 | $4,713 | 6.750% | $2,395 | 14 | +$148 | |
| 7 | $5,103 | 6.750% | $3,117 | 21 | +$538 | |
| 8 | $5,191 | 6.933% | $2,932 | 10 | +$626 | |
| 9 | $5,481 | 6.625% | $3,398 | 21 | +$916 | |
| 10 | $5,645 | 6.814% | $3,200 | 17 | +$1,080 | |
| 11 | $5,822 | 9.255% | $4,402 | 18 | +$1,257 | |
| 12 | $6,755 | 9.750% | $2,816 | 11 | +$2,190 |
Includes lenders with 10+ purchase originations in Cullman County County. Source: HMDA 2024. 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 2024, 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.