Mortgage lending in Tuscaloosa, AL
4,884 mortgages were originated in the Tuscaloosa, AL area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,884
- Median rate
- 6.625%
- Median lender fees
- $5,753
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $205,000
- Above the going rate (spread over APOR)
- 0.340
- Paid discount points
- 34.6%
- Received lender credits
- 20.5%
- Purchases / refinances
- 60.4% / 25.9%
- Conventional / FHA / VA
- 68.7% / 20.7% / 8.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 68.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Tuscaloosa, AL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| First Federal Bank, A FSB | 547 | $6,966 | 6.250% |
| Alabama One | 322 | $3,241 | 7.500% |
| Regions Bank | 268 | $3,069 | 5.750% |
| Movement Mortgage, LLC | 233 | $7,222 | 6.500% |
| BankFirst Financial Services | 202 | — | 6.500% |
| Rocket Mortgage, LLC | 202 | $5,105 | 6.750% |
| DHI Mortgage Company, Ltd. | 177 | $6,556 | 4.990% |
| Bryant Bank | 148 | $4,186 | 7.500% |
| Cadence Bank | 134 | $6,278 | 6.625% |
| United Community Bank | 131 | $6,478 | 6.250% |