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Mortgage Lenders and Brokers in Decatur, Alabama

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Decatur, Alabama mortgage lenders include Regions BankRegions Bank1209 Point Mallard Pkwy, Decatur, AL 35601A+5.0 ★Texas Ratio: 4.37%, Renasant BankRenasant Bank1309 Stratford Rd Se, Decatur, AL 35601A+5.0 ★Texas Ratio: 4.72%, Family Security Credit UnionFamily Security Credit Union2204 Family Security Pl SW, Decatur, AL 35603A+5.0 ★Texas Ratio: 1.16%, United Community BankUnited Community Bank255 Grant St Se, Decatur, AL 35601A+5.0 ★Texas Ratio: 2.97%, Wells Fargo Bank NAWells Fargo Bank NA922 Beltline Rd Sw, Decatur, AL 35601A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.2004 6th Ave Se, Decatur, AL 35601A+5.0 ★Texas Ratio: 4.24%, Peoples Bank of AlabamaPeoples Bank of Alabama1737 6th Ave Se, Decatur, AL 35601A+5.0 ★Texas Ratio: 3.77%, Traditions BankTraditions Bank380 Highway 67 S, Decatur, AL 35603A5.0 ★Texas Ratio: 10.74%, Pinnacle BankPinnacle Bank112 N Jefferson St, Athens, AL 35611A+5.0 ★Texas Ratio: 3.04%, and Redstone Federal Credit UnionRedstone Federal Credit Union2319 Beltline Rd SW, Decatur, AL 35601A+5.0 ★Texas Ratio: 2.10%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Decatur, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Decatur are listed first, then lenders elsewhere in Alabama, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Decatur, Alabama

Market share is the lender's share of all home loans closed in Decatur, Alabama. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Regions Bank 2 offices in Decatur 1209 Point Mallard Pkwy, Decatur, AL 35601 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, VA, HELOC	32 +32 HELOCs	3%	71.7%	$121,875	View
Renasant Bank 3 offices in Decatur 1309 Stratford Rd Se, Decatur, AL 35601 A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA, Jumbo, HELOC	24 +18 HELOCs	2.3%	96%	$277,916	View
Family Security Credit Union 2204 Family Security Pl SW, Decatur, AL 35603 A+5.0 ★Texas Ratio: 1.16%	Conventional	22	2.1%	68.8%	$128,636	View
United Community Bank 1 office in Decatur 255 Grant St Se, Decatur, AL 35601 A+5.0 ★Texas Ratio: 2.97%	Conventional, FHA, Jumbo, HELOC	18 +12 HELOCs	1.7%	90%	$292,777	View
Wells Fargo Bank NA 1 office in Decatur 922 Beltline Rd Sw, Decatur, AL 35601 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	11	1%	73.3%	$203,181	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 2 offices in Decatur 2004 6th Ave Se, Decatur, AL 35601 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, VA, HELOC	8 +17 HELOCs	0.8%	100%	$206,250	View
Peoples Bank of Alabama 2 offices in Decatur 1737 6th Ave Se, Decatur, AL 35601 A+5.0 ★Texas Ratio: 3.77%	Conventional, Jumbo	4	0.4%	100%	$422,500	View
Traditions Bank 1 office in Decatur 380 Highway 67 S, Decatur, AL 35603 A5.0 ★Texas Ratio: 10.74%	Conventional	4	0.4%	100%	$140,000	View
Pinnacle Bank 1 office in Decatur 112 N Jefferson St, Athens, AL 35611 A+5.0 ★Texas Ratio: 3.04%	FHA	1	0.1%	100%	$245,000	View
Redstone Federal Credit Union 2319 Beltline Rd SW, Decatur, AL 35601 A+5.0 ★Texas Ratio: 2.10%	Conventional, FHA, HELOC	37 +83 HELOCs	3.5%	75.5%	$177,702	View
Southpoint Bank 1096 N Brindlee Mountain Pkwy, Arab, AL 35016 F2.8 ★Texas Ratio: 41.33%	Conventional, FHA, VA	37	3.5%	100%	$220,135	View
Bank Independent 102 2nd Ave Se, Decatur, AL 35601 A+5.0 ★Texas Ratio: 1.45%	Conventional, FHA, Jumbo, HELOC	22 +10 HELOCs	2.1%	84.6%	$394,545	View
River Bank & Trust 254 Moulton St E, Decatur, AL 35601 A+5.0 ★Texas Ratio: 4.39%	Conventional, HELOC	11 +23 HELOCs	1%	100%	$266,818	View
JPMorgan Chase Bank, NA 185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, HELOC	9 +1 HELOCs	0.9%	90%	$227,222	View
Southstate Bank, National Association ★ 5 stars, 1 review 1605 E University Dr, Auburn, AL 36830 A+5.0 ★Texas Ratio: 2.27%	Conventional, FHA	8	0.8%	100%	$158,750	View
Trustmark Bank 111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40%	Conventional, FHA, HELOC	7 +3 HELOCs	0.7%	100%	$226,428	View
Listerhill Credit Union 22223 US 72, Athens, AL 35613 A+5.0 ★Texas Ratio: 3.96%	Conventional	7	0.7%	100%	$176,428	View
First Federal Bank 5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80%	Conventional, FHA	6	0.6%	100%	$163,333	View
Firstbank 615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51%	Conventional	4	0.4%	100%	$92,500	View
EvaBank 464 Highway 67 S, Decatur, AL 35603 A5.0 ★Texas Ratio: 6.16%	Conventional	4	0.4%	57.1%	$72,500	View
Servisfirst Bank 2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75%	Conventional, FHA, HELOC	3 +1 HELOCs	0.3%	100%	$281,666	View
First Horizon Bank ★ 5 stars, 1 review 2340 Woodcrest Pl, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.2%	100%	$910,000	View
Bank of Frankewing 14226 Highway 231 431 N, Hazel Green, AL 35750 F2.7 ★Texas Ratio: 42.60%	Conventional, VA	2	0.2%	100%	$225,000	View
First Metro Bank 309 W Washington St, Athens, AL 35611 A+5.0 ★Texas Ratio: 1.01%	Conventional	2	0.2%	100%	$245,000	View
Local Bank 2204 Whitesburg Drive Sw, Huntsville, AL 35801 A5.0 ★Texas Ratio: 8.28%	Conventional, FHA	2	0.2%	100%	$245,000	View
CB&S Bank 1825 Beltline Rd Sw, Decatur, AL 35601 C3.6 ★Texas Ratio: 21.51%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$205,000	View
Truist Bank ★ 1 stars, 1 review 629 E Main St, Albertville, AL 35950 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$295,000	View
BankFirst Financial Services 30966 Highway 278, Addison, AL 35540 A+5.0 ★Texas Ratio: 3.47%	FHA	1	0.1%	100%	$145,000	View
Alabama Central Credit Union 3048 Finley Island Cir NW, Decatur, AL 35601 8800 A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0.1%	100%	$245,000	View
Premier Bank of the South 30710 Us 278, Addison, AL 35540 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$135,000	View
North Alabama Bank 30010 Ardmore Ave, Ardmore, AL 35739 A+5.0 ★Texas Ratio: 0.99%	Conventional	1	0.1%	100%	$65,000	View
Southern Energy Credit Union 925 Quintard Ave, Anniston, AL 36201 A+5.0 ★Texas Ratio: 0.41%	Conventional	1	0.1%	100%	$55,000	View
Alabama Credit Union 2216 6th Ave SE, Decatur, AL 35601 6512 A+5.0 ★Texas Ratio: 5.72%	Conventional	1	0.1%	100%	$225,000	View
Citizens Bank & Trust 324 N Broad St, Albertville, AL 35950 A-4.3 ★Texas Ratio: 0.87%	Conventional	1	0.1%	100%	$255,000	View
Avadian Credit Union 475 Green Springs Hwy, Birmingham, AL 35209 4921 A+5.0 ★Texas Ratio: 3.41%	HELOC	0 +2 HELOCs	0%	n/a		View
Consumer First Mortgage, Inc.	Conventional, FHA, VA	7	0.7%	87.5%	$253,571
Hamilton Mortgage Corporation	Conventional, FHA	3	0.3%	100%	$145,000
America'S First Federal CU	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA, Jumbo	104	9.8%	81.2%	$191,057
United Wholesale Mortgage	Conventional, FHA, VA	54	5.1%	77.8%	$261,296
New American Funding, LLC.	Conventional, FHA, VA, HELOC	36 +1 HELOCs	3.4%	94.7%	$205,277
Synovus Bank	Conventional, FHA, VA	35	3.3%	87.5%	$209,857
Fairway Independent Mort Corp	Conventional, FHA, VA	31	2.9%	93.9%	$181,451
Pennymac Loan Services LLC	Conventional, FHA, VA	30	2.8%	81.1%	$192,333
Mortgage Research Center	Conventional, VA	30	2.8%	75%	$290,666
Freedom Mortgage Corporation	Conventional, FHA, VA	29	2.7%	83.3%	$223,620
Stockton Mortgage Corporation	Conventional, FHA, VA	28	2.6%	87.9%	$239,285
Lennar Mortgage, LLC	Conventional, FHA, VA	23	2.2%	82.1%	$219,782
Canopy Mortgage, LLC	Conventional, FHA, VA	16	1.5%	100%	$189,375
loanDepot.com LLC	Conventional, FHA, VA, HELOC	15 +4 HELOCs	1.4%	62.5%	$139,000
Nationstar Mortgage	Conventional, FHA, VA	14	1.3%	82.4%	$170,714
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA	13	1.2%	86.7%	$242,692
Kind Lending, LLC	Conventional, FHA, VA	12	1.1%	80%	$263,333
First Community Mortgage, Inc. A4.6 ★Texas Ratio: 2.08%	Conventional, FHA	11	1%	93.3%	$209,545	View
Assurance Financial Group, L.L.C.	Conventional, FHA	10	0.9%	100%	$204,000
Victorian Finance, LLC	Conventional, FHA, VA	10	0.9%	83.3%	$212,000
Newrez LLC	Conventional, VA	9	0.9%	47.4%	$211,666
Cadence Bank	Conventional, FHA, HELOC	7 +2 HELOCs	0.7%	100%	$202,142
Spring Eq, LLC	Conventional, HELOC	7 +1 HELOCs	0.7%	63.6%	$66,428
PHH Mortgage Corporation	Conventional, FHA	7	0.7%	87.5%	$340,714
Planet Home Lending, LLC	Conventional, FHA, VA	7	0.7%	77.8%	$205,000
The Loan Store, Inc	Conventional, FHA	7	0.7%	100%	$236,428
AmeriHome Mortgage Company, LLC	Conventional, FHA	6	0.6%	100%	$240,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, FHA	6	0.6%	100%	$190,000	View
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	6	0.6%	85.7%	$280,000	View
Milend, Inc	FHA, VA	6	0.6%	75%	$198,333
Mortgage Investors Group A+5.0 ★Texas Ratio: 5.42%	Conventional	6	0.6%	100%	$293,333	View
Goodleap, LLC	Conventional, FHA, VA, HELOC	5 +2 HELOCs	0.5%	100%	$137,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	5 +1 HELOCs	0.5%	62.5%	$153,000	View
Equity Prime Mortgage LLC	Conventional, FHA, VA	5	0.5%	83.3%	$269,000
CrossCountry Mortgage, LLC	Conventional, FHA	5	0.5%	83.3%	$173,000
Lendlo Mortgage, LLC	FHA	5	0.5%	83.3%	$227,000
Union Home Mortgage Corp.	Conventional, FHA	5	0.5%	83.3%	$365,000
Hope Federal Credit Union A+5.0 ★Texas Ratio: 4.07%	Conventional	5	0.5%	50%	$111,000	View
Royal United Mortgage LLC	Conventional	4	0.4%	66.7%	$110,000
Amerisave Mortgage Company	Conventional	4	0.4%	18.5%	$62,500
Princeton Mortgage Corporation	Conventional, FHA	4	0.4%	66.7%	$162,500
New Day Financial, LLC.	VA	4	0.4%	50%	$182,500
Zillow Home Loans, LLC	Conventional, FHA	4	0.4%	100%	$262,500
Paramount Residential Mortgage	Conventional, FHA, VA, Jumbo	4	0.4%	100%	$327,500
HomeBridge Financial Services, Inc	VA, HELOC	3 +2 HELOCs	0.3%	100%	$331,666
Better Mortgage Corporation	Conventional, HELOC	3 +1 HELOCs	0.3%	100%	$305,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, FHA	3	0.3%	75%	$251,666	View
Movement Mortgage, LLC	Conventional, FHA, VA	3	0.3%	100%	$108,333
Loanunited.Com, LLC	FHA, VA	3	0.3%	75%	$305,000
AdvantageFirst Lending Inc	FHA	3	0.3%	60%	$205,000
First Colony Mortgage Corporat	Conventional, FHA	3	0.3%	100%	$228,333
Atlantic Bay Mortgage Group	Conventional, FHA, VA	3	0.3%	75%	$311,666
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	3	0.3%	100%	$161,666	View
Hunt Mortgage Corporation	Conventional, FHA	3	0.3%	100%	$188,333
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	3	0.3%	100%	$71,666	View
Vanderbilt Mortgage and Finance, Inc	Conventional, FHA	3	0.3%	8.9%	$155,000
Carrington Mortgage Services LLC	FHA, VA	3	0.3%	50%	$225,000
Mutual of Omaha Mortgage	FHA, VA, HELOC	2 +1 HELOCs	0.2%	66.7%	$380,000
Gold Star Mortgage Financial Group, Corporation	Conventional	2	0.2%	100%	$70,000
Contour Mortgage Corporation	Conventional	2	0.2%	100%	$165,000
Everett Financial, Inc.	Conventional, FHA	2	0.2%	100%	$210,000
MortgageOne, Inc	Conventional, VA	2	0.2%	100%	$370,000
Guild Mortgage Company	Conventional, FHA	2	0.2%	100%	$135,000
American Financial Network, Inc.	Conventional, FHA	2	0.2%	40%	$70,000
Discover Bank	Conventional	2	0.2%	66.7%	$50,000
Sun West Mortgage Company, Inc	VA	2	0.2%	80%	$380,000
First Citizens National Bank	Conventional	2	0.2%	100%	$260,000
Acopia, LLC	Conventional, FHA	2	0.2%	100%	$85,000
Genway Home Mortgage, Inc.	FHA	2	0.2%	66.7%	$295,000
Endeavor Capital, LLC	FHA	2	0.2%	100%	$200,000
TowneBank	FHA	2	0.2%	100%	$220,000
Prosperity Home Mortgage, LLC	Conventional, VA	2	0.2%	66.7%	$215,000
Top Flite Financial, Inc.	FHA, VA	2	0.2%	100%	$235,000
Village Capital & Investment	FHA, VA	2	0.2%	71.4%	$350,000
Pentagon Federal Credit Union	VA, HELOC	1 +2 HELOCs	0.1%	100%	$445,000
Bank of America NA A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$155,000	View
Eastman Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$335,000
Interlinc Mortgage Services, LLC	Conventional	1	0.1%	100%	$265,000
Cornerstone First Mortgage, LLC	FHA	1	0.1%	100%	$285,000
Alameda Mortgage Corporation	Conventional	1	0.1%	100%	$415,000
Liberty Federal Credit Union A+5.0 ★Texas Ratio: 1.01%	Conventional	1	0.1%	100%	$145,000	View
American Financial Resources LLC	Conventional	1	0.1%	100%	$245,000
Primelending	Conventional	1	0.1%	100%	$535,000
HomePromise Corporation	VA	1	0.1%	50%	$255,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	FHA	1	0.1%	100%	$145,000	View
Stride Bank, National Association A5.0 ★Texas Ratio: 6.15%	FHA	1	0.1%	100%	$265,000	View
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional	1	0.1%	100%	$365,000	View
Lakeview Loan Servicing, LLC	FHA	1	0.1%	25%	$105,000
Tower Community Bank A+5.0 ★Texas Ratio: 4.27%	Conventional	1	0.1%	100%	$95,000	View
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$175,000
Dollar Bank, FSB A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0.1%	100%	$295,000	View
Filo Mortgage, LLC	FHA	1	0.1%	100%	$195,000
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional	1	0.1%	100%	$125,000	View
Deephaven Mortgage LLC	Conventional	1	0.1%	100%	$185,000
Data Mortgage, Inc	FHA	1	0.1%	100%	$215,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$375,000	View
Cmg Mortgage Inc	FHA	1	0.1%	100%	$235,000
Absolute Home Mortgage	Conventional	1	0.1%	100%	$275,000
Click n' Close, Inc.	Conventional	1	0.1%	100%	$655,000
ClearPath Lending	VA	1	0.1%	100%	$355,000
Mid-Continent Funding, Inc.	VA	1	0.1%	100%	$375,000
Land Home Financial Services,	Conventional	1	0.1%	100%	$55,000
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$205,000
Community Mortgage Corporation	Conventional	1	0.1%	100%	$145,000
Wolfe Financial Inc	Conventional	1	0.1%	100%	$135,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0.1%	100%	$235,000	View
Ardri LLC	Conventional	1	0.1%	100%	$265,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$175,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$75,000	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	FHA	1	0.1%	100%	$135,000	View
Southwest Stage Funding LLC	Conventional	1	0.1%	100%	$85,000
Florida Capital Bank, N.A	Conventional	1	0.1%	100%	$255,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$515,000	View
21St Mortgage	Conventional	1	0.1%	25%	$255,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$225,000	View
Plaza Home Mortgage, Inc	FHA	1	0.1%	100%	$145,000
Ark-La-Tex Financial Services LLC	FHA	1	0.1%	100%	$245,000
Leaderone Financial Corp.	FHA	1	0.1%	50%	$135,000
Southwest Funding LP	FHA	1	0.1%	100%	$135,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +7 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +5 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 6, 2026.

Decatur Mortgage Rate Trends

Daily average mortgage rates for Alabama compared with the national average, updated every evening.

30-Year Fixed AL Avg

7.159%

▲ 0.056 vs 7 days ago

15-Year Fixed AL Avg

6.723%

▲ 0.014 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Decatur, Alabama

Looking for mortgage lenders near me or mortgage brokers near me in Decatur? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Decatur in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Decatur, AL

Use these to narrow the list above. Each category shows how many Decatur, AL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 90 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 56 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 13 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 79 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 47 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 7 lenders. Loans above the conforming limit for higher priced homes Local lenders based in AL 25 lenders headquartered in Alabama, the closest thing to a mortgage lender near you

Who Lends in Decatur, AL

Independent mortgage companies closed 61.2 percent of home loans in Decatur, Alabama in 2025, banks 30.3 percent and credit unions 8.5 percent. Consumer First Mortgage, Inc. was the largest mortgage company, Regions Bank the largest bank and Family Security Credit Union the largest credit union. Among lenders headquartered in Alabama, Regions Bank led with 32 loans.

61.2%

Mortgage companies

30.3%

Banks

8.5%

Credit unions

31%

FHA loans

13%

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Attorneys customarily handle closings in Alabama. Deed recordation tax of $0.50 per $500 of value (0.10 percent) plus a mortgage recordation tax of $0.15 per $100 of debt (0.15 percent), Ala. Code 40-22-1 and 40-22-2.

More Alabama Mortgage Lender Pages

All Alabama lenders 790 lenders Huntsville 310 lenders Mobile 230 lenders Montgomery 208 lenders Hoover 215 lenders Tuscaloosa 212 lenders Birmingham 194 lenders Auburn 201 lenders Athens 171 lenders Dothan 154 lenders Daphne 186 lenders Foley 186 lenders Phenix City 125 lenders

Frequently Asked Questions About Mortgage Lenders in Decatur, AL

Who is the largest mortgage lender in Decatur, AL?

By home loans closed in 2025, Regions Bank was the largest mortgage lender in Decatur, Alabama with 32 loans, about 3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Decatur, AL have the highest approval rates?

Among lenders with meaningful volume in Decatur, Alabama, Rocket Mortgage approved the highest share of completed applications in 2025 at 81.2 percent, against a 79 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Decatur, AL mortgage lenders offer FHA, VA and USDA loans?

79 lenders closed FHA loans in Decatur, Alabama in 2025, led by Rocket Mortgage with 25. 47 lenders closed VA loans, led by Mortgage Research Center. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Decatur, AL lender list?

Yes. 56 banks and 13 credit unions closed home loans in Decatur, Alabama in 2025, alongside 90 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Decatur, AL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Decatur, Alabama during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Decatur, Alabama for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Decatur. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.