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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,271 | +0.024% | 18 | |
2 | ALABAMA CREDIT UNION | Exceptional | Exceptional | Sound | Sound | Strong | $301 | -0.935% | 28 | |
3 | Cadence Bank | Strong | Sound | Exceptional | Strong | Strong | $3,237 | +0.089% | 78 | |
4 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,473 | +0.172% | 20 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,854 | +0.426% | 136 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,820 | +0.003% | 68 | |
7 | Trustmark National Bank | Strong | Sound | Exceptional | Strong | Sound | $2,238 | +0.428% | 31 | |
8 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,619 | -0.060% | 30 | |
9 | FirstBank | Strong | Sound | Exceptional | Strong | Sound | $1,182 | +0.536% | 11 | |
10 | First Federal Bank, A FSB | Strong | Acceptable | Strong | Strong | Exceptional | $3,584 | +0.212% | 568 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,449 | +0.427% | 186 | |
12 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,036 | +0.255% | 132 | |
13 | United Community Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,931 | +0.227% | 81 | |
14 | Synovus Bank | Strong | Sound | Strong | Strong | Sound | $3,111 | +0.431% | 19 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,227 | +0.017% | 14 | |
16 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Sound | $3,238 | +0.355% | 36 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $1,953 | +0.395% | 18 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,822 | +0.151% | 18 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,202 | +0.652% | 15 | |
20 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,612 | +1.047% | 11 | |
21 | SmartBank | Strong | Sound | Sound | Sound | Sound | $1,033 | +0.296% | 17 | |
22 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,504 | -0.042% | 12 | |
23 | MORIA DEVELOPMENT, INC. | Sound | Mediocre | Strong | Strong | Strong | $2,936 | +0.487% | 62 | |
24 | Bryant Bank | Sound | Acceptable | Sound | Sound | 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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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Tuscaloosa, ALConventional
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