Safe Rate Rankings

Best Bank Mortgage Lenders in Decatur

Updated June 1, 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.
Total Lenders48
Total Loans1,477
Median Rate Spread0.29%

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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
SouthPoint BankBank
Strong
Sound
Strong
Exceptional
$2,821Fees
0.455%Above
71
2
Bank IndependentBank
Strong
Sound
Exceptional
Strong
$3,051Fees
0.118%Above
32
3
FirstBankBank
Strong
Sound
Exceptional
Strong
$2,170Fees
0.299%Above
27
4
Trustmark National BankBank
Strong
Sound
Exceptional
Strong
$2,237Fees
0.163%Above
25
5
Regions BankBank
Strong
Sound
Strong
Strong
$1,822Fees
0.564%Above
52
6
Synovus BankBank
Strong
Sound
Strong
Strong
$2,409Fees
0.284%Above
51
7
Renasant BankBank
Strong
Acceptable
Exceptional
Strong
$2,747Fees
0.300%Above
38
8
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Strong
Sound
$2,215Fees
0.053%Above
21
9
United Community BankBank
Sound
Acceptable
Sound
Sound
$1,538Fees
0.471%Above
20

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 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)

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.