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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Tuscaloosa
Updated February 5, 2026
Market Overview
38
Total Lenders
2,222
Total Loans
0.28%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | ALABAMA CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $301 | -0.935% | 28 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $3,820 | +0.003% | 68 | |
3 | First Federal Bank, A FSB | Strong | Acceptable | Exceptional | Exceptional | $3,584 | +0.212% | 568 | |
4 | Regions Bank | Strong | Sound | Strong | Strong | $2,036 | +0.255% | 132 | |
5 | Cadence Bank | Strong | Sound | Strong | Strong | $3,237 | +0.089% | 78 | |
6 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Sound | $2,733 | +0.050% | 40 | |
7 | Trustmark National Bank | Strong | Sound | Exceptional | Sound | $2,238 | +0.428% | 31 | |
8 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,473 | +0.172% | 20 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,449 | +0.427% | 186 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,854 | +0.426% | 136 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,619 | -0.060% | 30 | |
12 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,167 | +0.973% | 23 | |
13 | Renasant Bank | Strong | Acceptable | Exceptional | Sound | $3,238 | +0.355% | 36 | |
14 | United Community Bank | Sound | Acceptable | Sound | Strong | $2,931 | +0.227% | 81 | |
15 | STOCKTON MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | $3,534 | +0.412% | 34 | |
16 | MORIA DEVELOPMENT, INC. | Sound | Mediocre | Strong | Strong | $2,936 | +0.487% | 62 | |
17 | SOUTHWEST FUNDING, LP | Sound | Mediocre | Strong | Sound | $3,682 | +1.206% | 29 | |
18 | Bryant Bank | Sound | Acceptable | Acceptable | Sound | $3,119 | +0.069% | 25 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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