Safe Rate Rankings

Best VA 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	Strong	Exceptional	Exceptional	Exceptional	$2,484Fees	0.011%Below	90
2	Heritage Mortgage, LLCIndependent Mortgage Company	Exceptional	Exceptional	Strong	Strong	Exceptional	$2,388Fees	0.101%Below	56
3	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,519Fees	0.058%Below	39
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$510Fees	0.725%Below	11
5	REDSTONE Federal Credit UnionCredit Union	Exceptional	Strong	Strong	Sound	Exceptional	$1,152Fees	0.305%Above	100
6	Trustmark National BankBank	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,237Fees	0.163%Above	25
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,072Fees	0.476%Above	169
8	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$2,307Fees	0.226%Above	11
9	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,378Fees	0.418%Above	38
10	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,539Fees	0.038%Above	23
11	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Sound	Exceptional	$1,811Fees	0.596%Above	67

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.