# Best FHA Mortgage Lenders in Decatur, AL

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

Compare the top FHA 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/fha-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 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 90 | Independent Mortgage Company |
| 2 | SouthPoint Bank | 85 | 76 | 80 | 71 | Bank |
| 3 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 39 | Independent Mortgage Company |
| 4 | Synovus Bank | 80 | 68 | 66 | 51 | Bank |
| 5 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 169 | Independent Mortgage Company |
| 6 | REDSTONE Federal Credit Union | 79 | 76 | 44 | 100 | Credit Union |
| 7 | Heritage Mortgage, LLC | 79 | 60 | 79 | 56 | Independent Mortgage Company |
| 8 | Renasant Bank | 79 | 51 | 79 | 38 | Bank |
| 9 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 33 | Independent Mortgage Company |
| 10 | FirstBank | 79 | 56 | 78 | 27 | Bank |
| 11 | Trustmark National Bank | 79 | 58 | 78 | 25 | Bank |
| 12 | First Federal Bank, A FSB | 79 | 63 | 79 | 19 | Bank |
| 13 | LENDLO MORTGAGE, LLC | 77 | 55 | 86 | 22 | Independent Mortgage Company |
| 14 | TOWNE MORTGAGE COMPANY | 77 | 46 | 82 | 21 | Independent Mortgage Company |
| 15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 33 | Independent Mortgage Company |
| 16 | Regions Bank | 73 | 60 | 59 | 52 | Bank |
| 17 | LOANDEPOT.COM, LLC | 73 | 59 | 68 | 22 | Independent Mortgage Company |
| 18 | Flagstar Bank, N.A. | 73 | 58 | 71 | 15 | Bank |
| 19 | PLANET HOME LENDING, LLC | 73 | 51 | 76 | 10 | Independent Mortgage Company |
| 20 | STOCKTON MORTGAGE CORPORATION | 71 | 28 | 67 | 38 | Independent Mortgage Company |
| 21 | Assurance Financial Group, L.L.C. | 70 | 24 | 80 | 18 | Independent Mortgage Company |
| 22 | United Community Bank | 69 | 51 | 64 | 20 | Bank |
| 23 | GUILD MORTGAGE COMPANY LLC | 66 | 29 | 80 | 13 | Independent Mortgage Company |
| 24 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 13 | Independent Mortgage Company |
| 25 | Consumer First Mortgage, Inc. | 63 | 26 | 65 | 11 | Independent Mortgage Company |
| 26 | VICTORIAN FINANCE, LLC | 63 | 28 | 64 | 10 | Independent Mortgage Company |
| 27 | NEW AMERICAN FUNDING, LLC | 59 | 19 | 57 | 67 | Independent Mortgage Company |
| 28 | NATIONSTAR MORTGAGE LLC | 56 | 13 | 63 | 20 | Independent Mortgage Company |

## 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.