🛡️
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 FHA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,484 | -0.011% | 90 | |
2 | SouthPoint Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,821 | +0.455% | 71 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,519 | -0.058% | 39 | |
4 | REDSTONE Federal Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,152 | +0.305% | 100 | |
5 | Synovus Bank | Exceptional | Strong | Strong | Strong | Strong | $2,409 | +0.284% | 51 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,901 | +0.110% | 33 | |
7 | First Federal Bank, A FSB | Exceptional | Strong | Exceptional | Strong | Sound | $3,486 | +0.290% | 19 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,072 | +0.476% | 169 | |
9 | Heritage Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,388 | -0.101% | 56 | |
10 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $2,747 | +0.300% | 38 | |
11 | FirstBank | Strong | Sound | Exceptional | Strong | Strong | $2,170 | +0.299% | 27 | |
12 | Trustmark National Bank | Strong | Sound | Exceptional | Strong | Strong | $2,237 | +0.163% | 25 | |
13 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | Sound | $2,426 | +0.201% | 22 | |
14 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $3,078 | +0.397% | 21 | |
15 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $1,822 | +0.564% | 52 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,977 | +0.568% | 33 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,411 | +0.788% | 22 | |
18 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,139 | +0.603% | 15 | |
19 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,154 | +0.222% | 10 | |
20 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,378 | +0.418% | 38 | |
21 | United Community Bank | Strong | Sound | Strong | Strong | Sound | $1,538 | +0.471% | 20 | |
22 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,048 | +0.845% | 18 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,706 | +0.515% | 13 | |
24 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,721 | +0.698% | 13 | |
25 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $1,811 | +0.596% | 67 | |
26 | Consumer First Mortgage, Inc. | Strong | Acceptable | Strong | Strong | Sound | $2,846 | +0.587% | 11 | |
27 | VICTORIAN FINANCE, LLC | Strong | Acceptable | Strong | Strong | Sound | $2,385 | +0.576% | 10 | |
28 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,695 | +0.438% | 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 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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Decatur, ALFHA
No credit impact
3-minute process
100% free