Safe Rate Rankings

Best All Lender Mortgage Lenders in Tuscaloosa

Updated May 20, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders38

Total Loans2,222

Median Rate Spread0.28%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ALABAMA CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$301Fees	0.935%Below	28
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,820Fees	0.003%Above	68
3	First Federal Bank, A FSBBank	Strong	Acceptable	Exceptional	Exceptional	$3,584Fees	0.212%Above	568
4	Regions BankBank	Strong	Sound	Strong	Strong	$2,036Fees	0.255%Above	132
5	Cadence BankBank	Strong	Sound	Strong	Strong	$3,237Fees	0.089%Above	78
6	LENDLO MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$2,733Fees	0.050%Above	40
7	Trustmark National BankBank	Strong	Sound	Exceptional	Sound	$2,238Fees	0.428%Above	31
8	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,473Fees	0.172%Above	20
9	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,449Fees	0.427%Above	186
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,854Fees	0.426%Above	136
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,619Fees	0.060%Below	30
12	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,167Fees	0.973%Above	23
13	Renasant BankBank	Strong	Acceptable	Exceptional	Sound	$3,238Fees	0.355%Above	36
14	United Community BankBank	Sound	Acceptable	Sound	Strong	$2,931Fees	0.227%Above	81
15	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,534Fees	0.412%Above	34
16	MORIA DEVELOPMENT, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$2,936Fees	0.487%Above	62
17	SOUTHWEST FUNDING, LPIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	$3,682Fees	1.206%Above	29
18	Bryant BankBank	Sound	Acceptable	Acceptable	Sound	$3,119Fees	0.069%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.