Safe Rate Rankings

Best All Lender Mortgage Lenders in Decatur

Updated May 19, 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 Lenders14

Total Loans621

Median Rate Spread0.47%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	CITIZENS EQUITY FIRSTCredit Union	Exceptional	Exceptional	Exceptional	Strong	$92Credit	0.128%Above	32
2	Busey BankBank	Exceptional	Strong	Exceptional	Exceptional	$958Fees	0.081%Above	44
3	Prairie State Bank and TrustBank	Exceptional	Exceptional	Sound	Strong	$485Fees	0.040%Below	25
4	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,083Fees	0.621%Above	45
5	Heartland Bank and Trust CompanyBank	Strong	Strong	Sound	Strong	$503Fees	0.540%Above	35
6	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	$121Credit	0.628%Above	21
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,897Fees	0.395%Above	72
8	Regions BankBank	Strong	Sound	Strong	Strong	$1,678Fees	0.679%Above	49
9	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,152Fees	0.718%Above	77
10	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$1,058Fees	0.147%Above	23
11	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Sound	Exceptional	$1,797Fees	0.947%Above	138

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.