Safe Rate Rankings

Best FHA 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	First Federal Bank, A FSBBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$3,584Fees	0.212%Above	568
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,820Fees	0.003%Above	68
3	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,167Fees	0.973%Above	23
4	LENDLO MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$2,733Fees	0.050%Above	40
5	Synovus BankBank	Strong	Strong	Strong	Strong	Sound	$3,111Fees	0.431%Above	19
6	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	Sound	$2,227Fees	0.017%Above	14
7	SouthState Bank, National AssociationBank	Strong	Strong	Strong	Strong	Sound	$2,395Fees	0.426%Above	12
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,854Fees	0.426%Above	136
9	Regions BankBank	Strong	Sound	Exceptional	Sound	Strong	$2,036Fees	0.255%Above	132
10	United Community BankBank	Strong	Sound	Strong	Strong	Strong	$2,931Fees	0.227%Above	81
11	MORIA DEVELOPMENT, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,936Fees	0.487%Above	62
12	Renasant BankBank	Strong	Sound	Exceptional	Strong	Sound	$3,238Fees	0.355%Above	36
13	Trustmark National BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,238Fees	0.428%Above	31
14	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,449Fees	0.427%Above	186
15	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Acceptable	$2,448Fees	0.335%Above	10
16	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Acceptable	$535Fees	0.298%Above	10
17	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,534Fees	0.412%Above	34
18	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,202Fees	0.652%Above	15
19	SOUTHWEST FUNDING, LPIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,682Fees	1.206%Above	29
20	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Acceptable	$3,459Fees	0.328%Above	10

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.