# Best Mortgage Lenders in Decatur, AL

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

Compare the top mortgage lenders in Decatur, AL. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/decatur-al/best-mortgage-lenders


> **📋 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:** 48
- **Total Loans:** 1,477
- **Median Rate Spread:** 0.2874255319148936%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | REDSTONE Federal Credit Union | 86 | 67 | 64 | 100 | Credit Union |
| 2 | Heritage Mortgage, LLC | 86 | 61 | 78 | 56 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 90 | Independent Mortgage Company |
| 4 | SouthPoint Bank | 78 | 47 | 68 | 71 | Bank |
| 5 | MORTGAGE INVESTORS GROUP, INC. | 78 | 43 | 80 | 36 | Independent Mortgage Company |
| 6 | Bank Independent | 78 | 41 | 83 | 32 | Bank |
| 7 | FirstBank | 78 | 50 | 80 | 27 | Bank |
| 8 | Trustmark National Bank | 78 | 50 | 85 | 25 | Bank |
| 9 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 169 | Independent Mortgage Company |
| 10 | Regions Bank | 73 | 41 | 64 | 52 | Bank |
| 11 | Synovus Bank | 73 | 56 | 65 | 51 | Bank |
| 12 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 39 | Independent Mortgage Company |
| 13 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 33 | Independent Mortgage Company |
| 14 | LENDLO MORTGAGE, LLC | 71 | 49 | 88 | 22 | Independent Mortgage Company |
| 15 | FIRST COLONY MORTGAGE CORPORATION | 71 | 42 | 84 | 21 | Independent Mortgage Company |
| 16 | Renasant Bank | 68 | 38 | 81 | 38 | Bank |
| 17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 33 | Independent Mortgage Company |
| 18 | LOANDEPOT.COM, LLC | 66 | 48 | 76 | 22 | Independent Mortgage Company |
| 19 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 21 | Bank |
| 20 | Mortgage Research Center, LLC | 63 | 34 | 70 | 58 | Independent Mortgage Company |
| 21 | STOCKTON MORTGAGE CORPORATION | 63 | 27 | 70 | 38 | Independent Mortgage Company |
| 22 | NEW AMERICAN FUNDING, LLC | 62 | 22 | 60 | 67 | Independent Mortgage Company |
| 23 | UNION HOME MORTGAGE CORP. | 62 | 22 | 83 | 23 | Independent Mortgage Company |
| 24 | TOWNE MORTGAGE COMPANY | 58 | 40 | 79 | 21 | Independent Mortgage Company |
| 25 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 20 | Independent Mortgage Company |
| 26 | United Community Bank | 52 | 37 | 53 | 20 | Bank |

## 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 Decatur, 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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.