# Best FHA Mortgage Lenders in Tuscaloosa, AL

**As of:** 2026-05-20

Compare the top FHA mortgage lenders in Tuscaloosa, AL. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/tuscaloosa-al/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 38
- **Total Loans:** 2,222
- **Median Rate Spread:** 0.2793529411764706%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | First Federal Bank, A FSB | 89 | 63 | 79 | 568 | Bank |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 52 | 81 | 68 | Independent Mortgage Company |
| 3 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 23 | Independent Mortgage Company |
| 4 | LENDLO MORTGAGE, LLC | 77 | 55 | 86 | 40 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 75 | 36 | 81 | 136 | Independent Mortgage Company |
| 6 | MORIA DEVELOPMENT, INC. | 75 | 21 | 82 | 62 | Independent Mortgage Company |
| 7 | United Community Bank | 74 | 51 | 64 | 81 | Bank |
| 8 | Synovus Bank | 74 | 68 | 66 | 19 | Bank |
| 9 | SouthState Bank, National Association | 74 | 65 | 65 | 12 | Bank |
| 10 | Regions Bank | 73 | 60 | 59 | 132 | Bank |
| 11 | Renasant Bank | 73 | 51 | 79 | 36 | Bank |
| 12 | Trustmark National Bank | 73 | 58 | 78 | 31 | Bank |
| 13 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 14 | Independent Mortgage Company |
| 14 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 186 | Independent Mortgage Company |
| 15 | STOCKTON MORTGAGE CORPORATION | 66 | 28 | 67 | 34 | Independent Mortgage Company |
| 16 | GUILD MORTGAGE COMPANY LLC | 66 | 29 | 80 | 15 | Independent Mortgage Company |
| 17 | Flagstar Bank, N.A. | 66 | 58 | 71 | 10 | Bank |
| 18 | LOANDEPOT.COM, LLC | 66 | 59 | 68 | 10 | Independent Mortgage Company |
| 19 | RELIANCE FIRST CAPITAL, LLC | 59 | N/A | 91 | 38 | Independent Mortgage Company |
| 20 | BankFirst Financial Services | 57 | N/A | 75 | 94 | Bank |
| 21 | SOUTHWEST FUNDING, LP | 56 | 7 | 74 | 29 | Independent Mortgage Company |
| 22 | NEW AMERICAN FUNDING, LLC | 47 | 19 | 57 | 10 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Tuscaloosa, AL.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.