# Best Conventional Mortgage Lenders in Decatur, AL

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

Compare the top Conventional mortgage lenders in Decatur, AL. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | 85 | 66 | 65 | 100 | Credit Union |
| 2 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 169 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 90 | Independent Mortgage Company |
| 4 | Heritage Mortgage, LLC | 79 | 55 | 69 | 56 | Independent Mortgage Company |
| 5 | FirstBank | 79 | 50 | 75 | 27 | Bank |
| 6 | Trustmark National Bank | 79 | 48 | 79 | 25 | Bank |
| 7 | PNC Bank, National Association | 79 | 75 | 63 | 14 | Bank |
| 8 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 11 | Credit Union |
| 9 | Synovus Bank | 74 | 48 | 62 | 51 | Bank |
| 10 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 33 | Independent Mortgage Company |
| 11 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 22 | Independent Mortgage Company |
| 12 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 21 | Bank |
| 13 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 18 | Bank |
| 14 | Listerhill Credit Union | 73 | 45 | 87 | 13 | Credit Union |
| 15 | Regions Bank | 71 | 39 | 64 | 52 | Bank |
| 16 | Renasant Bank | 71 | 35 | 77 | 38 | Bank |
| 17 | STOCKTON MORTGAGE CORPORATION | 71 | 29 | 65 | 38 | Independent Mortgage Company |
| 18 | MORTGAGE INVESTORS GROUP, INC. | 71 | 38 | 74 | 36 | Independent Mortgage Company |
| 19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 33 | Independent Mortgage Company |
| 20 | Bank Independent | 71 | 38 | 83 | 32 | Bank |
| 21 | NEW AMERICAN FUNDING, LLC | 70 | 26 | 60 | 67 | Independent Mortgage Company |
| 22 | Colorado Federal Savings Bank | 69 | 72 | 50 | 12 | Bank |
| 23 | SouthPoint Bank | 66 | 34 | 58 | 71 | Bank |
| 24 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 23 | Independent Mortgage Company |
| 25 | FIRST COLONY MORTGAGE CORPORATION | 66 | 38 | 77 | 21 | Independent Mortgage Company |
| 26 | United Community Bank | 66 | 34 | 65 | 20 | Bank |
| 27 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 20 | Independent Mortgage Company |
| 28 | First Federal Bank, A FSB | 63 | 28 | 75 | 19 | Bank |
| 29 | Assurance Financial Group, L.L.C. | 63 | 27 | 73 | 18 | Independent Mortgage Company |
| 30 | CB&S Bank, Inc. | 58 | 29 | 52 | 19 | Bank |
| 31 | Family Security Credit Union | 58 | 43 | 41 | 19 | Credit Union |
| 32 | CANOPY MORTGAGE, LLC | 56 | 24 | 60 | 10 | Independent Mortgage Company |
| 33 | NEWREZ LLC | 56 | 31 | 58 | 10 | Independent Mortgage Company |
| 34 | Hamilton Mortgage Corporation | 54 | 27 | 59 | 11 | Independent Mortgage Company |
| 35 | River Bank & Trust | 46 | 10 | 52 | 10 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.