Safe Rate Rankings

Best Conventional 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,271Fees	0.024%Above	18
2	ALABAMA CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Sound	Strong	$301Fees	0.935%Below	28
3	Cadence BankBank	Strong	Sound	Exceptional	Strong	Strong	$3,237Fees	0.089%Above	78
4	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,473Fees	0.172%Above	20
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,854Fees	0.426%Above	136
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,820Fees	0.003%Above	68
7	Trustmark National BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,238Fees	0.428%Above	31
8	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,619Fees	0.060%Below	30
9	FirstBankBank	Strong	Sound	Exceptional	Strong	Sound	$1,182Fees	0.536%Above	11
10	First Federal Bank, A FSBBank	Strong	Acceptable	Strong	Strong	Exceptional	$3,584Fees	0.212%Above	568
11	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,449Fees	0.427%Above	186
12	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,036Fees	0.255%Above	132
13	United Community BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,931Fees	0.227%Above	81
14	Synovus BankBank	Strong	Sound	Strong	Strong	Sound	$3,111Fees	0.431%Above	19
15	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,227Fees	0.017%Above	14
16	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,238Fees	0.355%Above	36
17	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,822Fees	0.151%Above	18
18	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,953Fees	0.395%Above	18
19	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,202Fees	0.652%Above	15
20	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,612Fees	1.047%Above	11
21	SmartBankBank	Strong	Sound	Sound	Sound	Sound	$1,033Fees	0.296%Above	17
22	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,504Fees	0.042%Below	12
23	MORIA DEVELOPMENT, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$2,936Fees	0.487%Above	62
24	Bryant BankBank	Sound	Acceptable	Sound	Sound	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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.