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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Decatur
Updated February 5, 2026
Market Overview
48
Total Lenders
1,477
Total Loans
0.29%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | REDSTONE Federal Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,152 | +0.305% | 100 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $510 | -0.725% | 11 | |
3 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,821 | +0.471% | 14 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,072 | +0.476% | 169 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,484 | -0.011% | 90 | |
6 | Heritage Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,388 | -0.101% | 56 | |
7 | FirstBank | Strong | Sound | Exceptional | Strong | Strong | $2,170 | +0.299% | 27 | |
8 | Trustmark National Bank | Strong | Sound | Exceptional | Strong | Strong | $2,237 | +0.163% | 25 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,100 | +0.241% | 18 | |
10 | Synovus Bank | Strong | Sound | Strong | Strong | Strong | $2,409 | +0.284% | 51 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,901 | +0.110% | 33 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,411 | +0.788% | 22 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,215 | +0.053% | 21 | |
14 | Listerhill Credit Union | Strong | Sound | Strong | Exceptional | Sound | $2,750 | -0.065% | 13 | |
15 | Colorado Federal Savings Bank | Strong | Strong | Strong | Sound | Sound | $1,371 | +0.047% | 12 | |
16 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,811 | +0.596% | 67 | |
17 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,822 | +0.564% | 52 | |
18 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,747 | +0.300% | 38 | |
19 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,378 | +0.418% | 38 | |
20 | MORTGAGE INVESTORS GROUP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,796 | +0.266% | 36 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,977 | +0.568% | 33 | |
22 | Bank Independent | Strong | Acceptable | Strong | Exceptional | Strong | $3,051 | +0.118% | 32 | |
23 | SouthPoint Bank | Strong | Acceptable | Strong | Sound | Exceptional | $2,821 | +0.455% | 71 | |
24 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $4,539 | +0.038% | 23 | |
25 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,861 | +0.080% | 21 | |
26 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,695 | +0.438% | 20 | |
27 | United Community Bank | Strong | Acceptable | Exceptional | Strong | Sound | $1,538 | +0.471% | 20 | |
28 | First Federal Bank, A FSB | Strong | Acceptable | Strong | Strong | Sound | $3,486 | +0.290% | 19 | |
29 | Family Security Credit Union | Strong | Sound | Acceptable | Sound | Strong | $802 | +0.246% | 19 | |
30 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Strong | Strong | Sound | $2,048 | +0.845% | 18 | |
31 | CB&S Bank, Inc. | Sound | Acceptable | Sound | Sound | Strong | $1,701 | +0.142% | 19 | |
32 | NEWREZ LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $3,105 | +0.342% | 10 | |
33 | CANOPY MORTGAGE, LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $3,829 | +0.628% | 10 | |
34 | Hamilton Mortgage Corporation | Sound | Acceptable | Sound | Sound | Sound | $1,668 | +0.368% | 11 | |
35 | River Bank & Trust | Sound | Mediocre | Sound | Sound | Sound | $2,732 | +0.629% | 10 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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.
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Decatur, ALConventional
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