James Decker - Regional Manager NMLS 928446

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James Decker - Regional Manager NMLS 928446 Regional Manager NMLS # 928446
Preferred Rate
nmlsconsumeraccess.org For us, education is everything. I was born and raised in St. Louis.

Over the past 22 years my team has helped hundreds of clients achieve their homeownership dreams as a leader in the mortgage industry. Whether you’re moving up, downsizing, investing in a property or just looking for a change, my team will take the time to understand your homebuying needs and will use our experience and expertise to deliver a tailor-made mortgage solution. We are also experts in refinancing and can develop financing solutions that will help clients decrease monthly payments, pay off debt, or put their home equity to good use. Our goal is to educate our clients throughout the entire loan process and empower borrowers to confidently make life’s biggest purchase. In the end, we pride ourselves on delivering a fast, stress-free closing for our buyers and referral partners using an honest approach and a sharp attention to detail. I currently live in Wentville with my wife, Stacey, and 2 of our 3 grown daughters. When I’m not in the office, I enjoy spending time with my family, traveling and experimenting with new barbeque recipes. I also have a passion for helping others and honoring our local heroes. I am also heavily involved with STL Hero Homes, a networking group dedicated to honoring and supporting teachers, nurses, fire fighters, police officers, EMTs, Veterans and more.

10/29/2026

A lot of lenders talk about their culture, but at Guaranteed Rate Affinity, we truly walk the walk.

Our focus on sharing our winning practices is a key part of our culture. We lift each other up and celebrate our successes.

Timing matters when your name is already out in the community.For loan officers, marketing is not just a line item. It i...
10/29/2026

Timing matters when your name is already out in the community.

For loan officers, marketing is not just a line item. It is visibility, reputation, referral relationships, and momentum.

At Preferred Rate, we understand that a move has to make business sense. If you have already launched a campaign or invested in local marketing, seeing that through can be the right decision.

A smart move is not rushed. It is planned, thoughtful, and aligned with what comes next.
https://myoc.io/STLLEND/d44CH



NMLS # 928446

10/28/2026

Markets are pulling in two directions: inflation is still a concern, but tighter financial conditions could give the Fed reason to stay patient. That makes the next mortgage-rate move hard to call. One of our Loan Officers can help you compare today’s options without building your purchase plan around a prediction.

Congratulations Tony Gemmell and welcome to the President's Club at Guaranteed Rate Affinity!
10/26/2026

Congratulations Tony Gemmell and welcome to the President's Club at Guaranteed Rate Affinity!

10/26/2026

A buydown could be a win-win scenario for all parties. Instead of dropping the price, reduce the rate. Hear it from Christine Wenger on how a rate buydown could be the solution to a listing that's been sitting.

10/23/2026

A rate buydown could lower the interest rate and monthly payment, creating a more affordability without automatically cutting the list prices. Enda Moore explains exactly how a temporary buydown strategy could work for you. Don't drop the price, reduce the rate.

The right partnership should help you move forward.For loan officers, growth takes more than ambition. It takes support,...
10/22/2026

The right partnership should help you move forward.

For loan officers, growth takes more than ambition. It takes support, communication, access, and a company that understands what producers need to build with confidence.

At Preferred Rate, we believe partnership means helping loan officers power their careers with the right people, tools, and support behind them.

Because who you partner with matters.
https://myoc.io/STLLEND/a9Yee



NMLS # 928446

10/21/2026

A week after the Fed raised its benchmark rate, Treasury yields dipped while mortgage rates were mostly flat. With rates remaining high amid persistent inflation, buyers should focus on their budget, timing and financing options. Your Guaranteed Rate Affinity Loan Officer can run the numbers and help you navigate today’s market.

Congratulations Natasha Robinson and welcome to the President's Club at Guaranteed Rate Affinity!
10/20/2026

Congratulations Natasha Robinson and welcome to the President's Club at Guaranteed Rate Affinity!

10/20/2026

Hear from Robin Baran on what makes Guaranteed Rate Affinity the best of the best. Our incredible Events Team is like having a professional event planner by your side at all times, making a huge difference in creating an exceptional guest experience while helping loan officers grow their businesses together. Curious what it’s really like to be part of the team? Hear it straight from Robin and discover what sets Guaranteed Rate Affinity apart!

10/19/2026

If you're looking for a home, don't drop the price, reduce the rate. Do you know what a rate buydown is? Hear it straight from Johnita on a way that you can ease into homeownership.

10/16/2026

If a monthly payment is what's holding buyers back, don't drop the price, reduce the rate. Hear from Monica on how a RateReduce buydown lowers payments early so buyers can move in now instead of waiting it out.

A career move should make sense from every angle.For loan officers, it is not just about finding a better opportunity. I...
10/15/2026

A career move should make sense from every angle.

For loan officers, it is not just about finding a better opportunity. It is also about protecting the business they have built, the clients they serve, and the referral partners who trust them.

At Preferred Rate, we understand that these conversations need to be thoughtful. The right move should support your business, strengthen your client experience, and make sense for the people who count on you.

That is partnership with purpose.
https://myoc.io/STLLEND/hacrL



NMLS # 928446

Big growth starts with the right opportunity.Daniel Bihn grew from $13.6M in 2024 to $29.2M in 2025, increasing producti...
10/08/2026

Big growth starts with the right opportunity.
Daniel Bihn grew from $13.6M in 2024 to $29.2M in 2025, increasing production by 114.4% year over year.
Same producer. More momentum. Stronger partnership.
https://myoc.io/STLLEND/Mi5BE



NMLS # 928446

Growth does not always have to be flashy to be meaningful.Rob O’Malley grew from $24.0M in 2024 to $33.9M in 2025, addin...
10/01/2026

Growth does not always have to be flashy to be meaningful.
Rob O’Malley grew from $24.0M in 2024 to $33.9M in 2025, adding $9.9M in production and increasing volume by 41.5% year over year.
That is steady, measurable momentum.
https://myoc.io/STLLEND/c3PiF



NMLS # 928446

Access matters when timing is tight.For loan officers, urgent questions and file-level decisions cannot always wait on l...
09/24/2026

Access matters when timing is tight.

For loan officers, urgent questions and file-level decisions cannot always wait on layers of communication. They need support that is responsive, connected, and willing to help move the conversation forward.

At Preferred Rate, partnership means having access to people who understand the business and are focused on helping producers solve problems.

Because support should feel reachable when it matters most.
https://myoc.io/STLLEND/YEjHH



NMLS # 928446

A better opportunity should still make sense.We know loan officers hear a lot of big promises when they are being recrui...
09/17/2026

A better opportunity should still make sense.

We know loan officers hear a lot of big promises when they are being recruited. Better support, better communication, better leadership access, better tools.

The real question is whether the opportunity feels clear, realistic, and worth exploring.

At Preferred Rate, we believe recruiting conversations should be honest, practical, and transparent. Ask the questions. Look at the support. Understand the partnership.

Better should not feel confusing.
Better should feel believable.
https://myoc.io/STLLEND/mfTka



NMLS # 928446

The right opportunity should feel like a place to grow.For loan officers thinking about what comes next, it is not just ...
09/10/2026

The right opportunity should feel like a place to grow.

For loan officers thinking about what comes next, it is not just about changing companies. It is about finding the right support, the right culture, and the right partnership for the business they want to build.

At Preferred Rate, we believe producers deserve room to grow, support that shows up, and a company that values what they bring to the table.

Your future should feel supported.
Your next chapter should feel aligned.
https://myoc.io/STLLEND/6qFUx



NMLS # 928446

Today, we honor the hard work and dedication of America’s workforce. Your efforts, big and small, keep our communities m...
09/07/2026

Today, we honor the hard work and dedication of America’s workforce. Your efforts, big and small, keep our communities moving forward. Wishing you a safe and happy Labor Day! 💙❤️
https://myoc.io/STLLEND

NMLS # 928446

Fast answers matter when real files are on the line.Loan officers need support that can move with the pace of the busine...
09/03/2026

Fast answers matter when real files are on the line.

Loan officers need support that can move with the pace of the business. When a question needs attention or a decision needs to be made, waiting days for direction can create unnecessary stress for the producer, the client, and the referral partner.

At Preferred Rate, we believe partnership should feel responsive. Real files need real communication, real support, and real decision-makers.
https://myoc.io/STLLEND



NMLS # 928446

Address

3018 Winghaven Boulevard
O'Fallon, MO
63368

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