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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 Conventional Mortgage Company Lenders in Decatur
Updated February 5, 2026
Market Overview
16
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 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,072 | +0.476% | 169 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,484 | -0.011% | 90 | |
3 | Heritage Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,388 | -0.101% | 56 | |
4 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,901 | +0.110% | 33 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,411 | +0.788% | 22 | |
6 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,811 | +0.596% | 67 | |
7 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,378 | +0.418% | 38 | |
8 | MORTGAGE INVESTORS GROUP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,796 | +0.266% | 36 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,977 | +0.568% | 33 | |
10 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $4,539 | +0.038% | 23 | |
11 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,861 | +0.080% | 21 | |
12 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,695 | +0.438% | 20 | |
13 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Strong | Strong | Sound | $2,048 | +0.845% | 18 | |
14 | NEWREZ LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $3,105 | +0.342% | 10 | |
15 | CANOPY MORTGAGE, LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $3,829 | +0.628% | 10 | |
16 | Hamilton Mortgage Corporation | Sound | Acceptable | Sound | Sound | Sound | $1,668 | +0.368% | 11 |
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.
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Decatur, ALConventional
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