Deco Mortgage Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores Deco Mortgage
Deco Mortgage is a mortgage broker, not a direct lender — it doesn't originate loans itself. We still score its pricing on the same measures we use for every lender, so you can compare it fairly against your other options.
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
5 out of 5 - —Customer complaints
no CFPB complaint on record
Not rated - —Where and what they lend
10+ Bankrate customers in 13 states; 100+ in 6. No lending-reach data from this broker, so this stays a comparison point for you rather than a star.
Not rated
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
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What Bankrate's editors think
Deco guarantees on-time closing on eligible purchase loans: if the contract date is missed, Deco pays $1,000 to the buyer and $1,000 to the seller, up to $2,000 total. That guarantee doesn’t cover refinances, jumbo, non-QM, USDA or brokered deals — a reminder that Deco operates as both a direct lender and a broker, funding some loans itself and placing others with outside lenders.
Its loan menu goes well beyond the basics, with DSCR, hard-money, bridge, asset-depletion and foreign-national options most brokers don’t offer. About 84% of Deco’s 2025 mortgages were priced below comparable loans, and it charges less in added costs than roughly 80% of lenders. There’s nothing on its CFPB complaint or enforcement record — though its 16-state license list is on the narrower side.
At a glance
Good for purchase borrowers within Deco’s 16-state footprint who want a broad menu of loan types, including several specialty options, backed by a contractual on-time closing guarantee. Not a good fit if you’re refinancing or need a jumbo, non-QM or USDA loan — those fall outside the closing guarantee.
What consumers say
Summary: Deco Mortgage, LLC reviewers consistently note a team that is quick to respond, with the loan officer’s guidance rated in similarly favorable terms. A smaller share also address the closing, reporting it as timely.
Excellent communication and consistent updates
DECO Mortgage recently handled the lending for one of my clients’ home purchases, and I had a great experience working with their team. They consistently kept me updated on the status of the loan throughout the process, so I always knew where things stood as we moved toward closing. That communication is so important during a home purchase, and I greatly appreciated having DECO Mortgage as a partner in helping our client get to the closing table. I would be happy to work with them again!
Kristen C. · Waxhaw, NC
Super Fast
Deco Mortgage made sure that I was fully aware of every step of the home buying process with full transparency and super fast speed. All the paperwork related to loan approval was completed 1 week early.
Wonyoung C. · Alexandria, VA
Unbeatable rates and closed on time!
I had a fantastic experience working with Deco Mortgage. Matthew and the rest of the team were super responsive and managed to beat the offers from all the other lenders we looked at. They made the entire financing process seamless and ensured we closed on time without any stress. Highly recommend them to anyone looking to buy a home!
Tushar A. · CA
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