Safe Rate Rankings

Best FHA 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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,484Fees	0.011%Below	90
2	SouthPoint BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$2,821Fees	0.455%Above	71
3	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,519Fees	0.058%Below	39
4	REDSTONE Federal Credit UnionCredit Union	Exceptional	Strong	Strong	Sound	Exceptional	$1,152Fees	0.305%Above	100
5	Synovus BankBank	Exceptional	Strong	Strong	Strong	Strong	$2,409Fees	0.284%Above	51
6	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Sound	Strong	$2,901Fees	0.110%Above	33
7	First Federal Bank, A FSBBank	Exceptional	Strong	Exceptional	Strong	Sound	$3,486Fees	0.290%Above	19
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,072Fees	0.476%Above	169
9	Heritage Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$2,388Fees	0.101%Below	56
10	Renasant BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,747Fees	0.300%Above	38
11	FirstBankBank	Strong	Sound	Exceptional	Strong	Strong	$2,170Fees	0.299%Above	27
12	Trustmark National BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,237Fees	0.163%Above	25
13	LENDLO MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$2,426Fees	0.201%Above	22
14	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$3,078Fees	0.397%Above	21
15	Regions BankBank	Strong	Sound	Exceptional	Sound	Strong	$1,822Fees	0.564%Above	52
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,977Fees	0.568%Above	33
17	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,411Fees	0.788%Above	22
18	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Sound	$2,139Fees	0.603%Above	15
19	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,154Fees	0.222%Above	10
20	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,378Fees	0.418%Above	38
21	United Community BankBank	Strong	Sound	Strong	Strong	Sound	$1,538Fees	0.471%Above	20
22	Assurance Financial Group, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,048Fees	0.845%Above	18
23	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,706Fees	0.515%Above	13
24	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,721Fees	0.698%Above	13
25	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Sound	Exceptional	$1,811Fees	0.596%Above	67
26	Consumer First Mortgage, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,846Fees	0.587%Above	11
27	VICTORIAN FINANCE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,385Fees	0.576%Above	10
28	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,695Fees	0.438%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 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.