Safe Rate Rankings

Best Conventional Mortgage Lenders in Decatur

Updated May 20, 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.

Market

Total Lenders48

Total Loans1,477

Median Rate Spread0.29%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	REDSTONE Federal Credit UnionCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,152Fees	0.305%Above	100
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$510Fees	0.725%Below	11
3	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,821Fees	0.471%Above	14
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,072Fees	0.476%Above	169
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,484Fees	0.011%Below	90
6	Heritage Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$2,388Fees	0.101%Below	56
7	FirstBankBank	Strong	Sound	Exceptional	Strong	Strong	$2,170Fees	0.299%Above	27
8	Trustmark National BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,237Fees	0.163%Above	25
9	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,100Fees	0.241%Above	18
10	Synovus BankBank	Strong	Sound	Strong	Strong	Strong	$2,409Fees	0.284%Above	51
11	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,901Fees	0.110%Above	33
12	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,411Fees	0.788%Above	22
13	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,215Fees	0.053%Above	21
14	Listerhill Credit UnionCredit Union	Strong	Sound	Strong	Exceptional	Sound	$2,750Fees	0.065%Below	13
15	Colorado Federal Savings BankBank	Strong	Strong	Strong	Sound	Sound	$1,371Fees	0.047%Above	12
16	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$1,811Fees	0.596%Above	67
17	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,822Fees	0.564%Above	52
18	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,747Fees	0.300%Above	38
19	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,378Fees	0.418%Above	38
20	MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,796Fees	0.266%Above	36
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,977Fees	0.568%Above	33
22	Bank IndependentBank	Strong	Acceptable	Strong	Exceptional	Strong	$3,051Fees	0.118%Above	32
23	SouthPoint BankBank	Strong	Acceptable	Strong	Sound	Exceptional	$2,821Fees	0.455%Above	71
24	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,539Fees	0.038%Above	23
25	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,861Fees	0.080%Above	21
26	United Community BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,538Fees	0.471%Above	20
27	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,695Fees	0.438%Above	20
28	First Federal Bank, A FSBBank	Strong	Acceptable	Strong	Strong	Sound	$3,486Fees	0.290%Above	19
29	Family Security Credit UnionCredit Union	Strong	Sound	Acceptable	Sound	Strong	$802Fees	0.246%Above	19
30	Assurance Financial Group, L.L.C.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,048Fees	0.845%Above	18
31	CB&S Bank, Inc.Bank	Sound	Acceptable	Sound	Sound	Strong	$1,701Fees	0.142%Above	19
32	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Exceptional	Sound	Acceptable	$3,829Fees	0.628%Above	10
33	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Exceptional	Sound	Acceptable	$3,105Fees	0.342%Above	10
34	Hamilton Mortgage CorporationIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	Sound	$1,668Fees	0.368%Above	11
35	River Bank & TrustBank	Sound	Mediocre	Sound	Sound	Sound	$2,732Fees	0.629%Above	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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.