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Tuscaloosa County, Alabama · 2025

Mortgage lenders in Tuscaloosa County, AL: denial rates and top lenders (2025)

348 lenders acted on 7,770 mortgage applications for properties in Tuscaloosa County in 2025. 19.6% were denied (Alabama: 19.9%). Median rate on closed loans 6.50%; median loan $185,000; median property value $285,000.

7.8kApplications
19.6%Denial ratestate 19.9%
6.50%Median ratestate 6.50%
$185,000Median loan
$285,000Median property value

Largest lenders in Tuscaloosa County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 First Federal Bank, A B 696513 2.7%6.25%
2 Regions Bank C 470251 32.6%5.63%
3 Vanderbilt Mortgage and Finance F 42832 56.8%10.75%
4 Alabama One D 356285 9.3%7.50%
5 Dhi Mortgage Company B 293177 21.2%4.99%
6 Rocket Mortgage C 291184 26.1%6.75%
7 Movement Mortgage A 275212 2.2%6.50%
8 BankFirst Financial Services A 198179 1.5%6.50%
9 21st Mortgage F 19431 46.4%10.57%
10 United Shore Financial Services B 188114 18.6%6.13%
11 Cadence Bank B 170126 10.6%6.63%
12 FirstBank C 16990 24.3%6.50%
13 Bryant Bank B 167142 3.0%7.50%
14 United Community Bank B 160120 13.1%6.25%
15 Pennymac Loan Services C 13667 12.5%6.50%
16 Mortgage Research Center C 13557 28.2%6.25%
17 Triad Financial Services D 13345 32.3%7.95%
18 Freedom Mortgage B 12153 5.0%6.13%
19 PNC Bank D 9542 36.8%7.64%
20 Newrez D 9123 26.4%6.63%
21 Navy Federal Credit Union D 8439 22.6%7.75%
22 AmeriSave Mortgage D 8116 75.3%7.44%
23 Trustmark National Bank C 7663 6.6%6.63%
24 NFM A 7461 1.4%6.25%
25 Broker Solutions D 7319 11.0%7.13%

Best approval odds in Tuscaloosa County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1NFM621.6%
2BankFirst Financial Services1831.6%
3Movement Mortgage2492.4%
4Bryant Bank1483.4%
5First Federal Bank, A5423.5%
6Renasant Bank535.7%
7Trustmark National Bank687.4%
8Freedom Mortgage669.1%
9Alabama One31810.4%
10Cadence Bank14712.2%

What Tuscaloosa County borrowers applied for

By loan purpose

Home purchase 4,393 57% · 15.4% denied
Refinance 997 13% · 16.5% denied
Cash-out refinance 1,198 15% · 26.8% denied
Home improvement 453 6% · 31.4% denied
Other / HELOC 729 9% · 30.5% denied

By loan type

Conventional 5,267 68% · 20.9% denied
FHA 1,646 21% · 17.1% denied
VA 714 9% · 16.7% denied
USDA / RHS 143 2% · 18.9% denied

Why applications were denied

Credit history 641 42%
Debt-to-income ratio 335 22%
Collateral 192 13%
Incomplete application 142 9%
Other 88 6%
Unverifiable information 84 6%
Insufficient cash 28 2%
Employment history 13 1%

Tuscaloosa County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20236,6623,56820.9%6.75%$165,000
20246,9463,89820.7%6.75%$185,000
20257,7704,40319.6%6.50%$185,000

Frequently asked questions

19.6% of applications in Tuscaloosa County were denied in 2025, against 19.9% statewide in Alabama.

First Federal Bank, A, with 696 applications in 2025 and a denial rate of 2.7%.

The median mortgage application in Tuscaloosa County in 2025 was for $185,000; the median property value on originated loans was $285,000.