Regional Sales Manager

Jim Decker

Regional Sales Manager NMLS# 928446 Licensed in IL and MO

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(314) 596-1182 [email protected]

3018 Winghaven Blvd.
O'Fallon, MO 63368
Branch License #2534568

About Jim Decker

Your mortgage is personal, and I understand that.

For nearly two decades, Jim Decker 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, Jim will take the time to understand your homebuying needs and will use his experience and expertise to deliver a tailor-made mortgage solution. He is also an expert 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. For Jim, education is everything. His goal is to educate his clients throughout the entire loan process and empower borrowers to confidently make life’s biggest purchase. In the end, Jim prides himself on delivering a fast, stress-free closing for his buyers and referral partners using an honest approach and a sharp attention to detail. Jim was born and raised in St. Louis. He currently lives there with his wife, Stacey, and his three daughters. When he’s not in the office, Jim enjoys spending time with his family, traveling and experimenting with new barbeque recipes. He also has a passion for helping others and honoring local heroes. He was heavily involved with developing STL Hero Homes, a networking group dedicated to honoring and supporting teachers, nurses, fire fighters, police officers, EMTs, Veterans and more.

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We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Jim's team

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Heather Mayfield

Business Development Manager

3018 Winghaven Blvd.
O'Fallon, MO 63368
Branch License #2534568

Group 261

Larry Scarpace

Loan Officer Assistant

3018 Winghaven Blvd.
O'Fallon, MO 63368
Branch License #2534568

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Cindy Cunningham

Processor

3018 Winghaven Blvd.
O'Fallon, MO 63368
Branch License #2534568

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Lauren King

Divisional Marketing Manager

1801 S. Meyers Rd., Suite 500
Oakbrook Terrace, IL 60181
Branch License #1962205

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans

See what Jim's clients have to say

Josie O

Very helpful and explained a lot for me and was super fast

Dec 31, 2025

Heidi H

Very efficient

Jun 10, 2025

Troy W

Extremely responsive and always 5 steps ahead in preparation.

May 20, 2025

Kali P

Jim and Larry were a pleasure to work with. Would recommend them to anyone! 

Feb 19, 2025

John M

Everyone on the team was spot on. Kept us up to date every step and closing was seamless. Great Job !

Jan 15, 2025

Michael D

Great experience with Jim and his team!

Dec 28, 2024

Eric B

James and the team was very communicative and honest about the process. Will definitely recommend to anyone looking for a lender.

Nov 22, 2024

Dillon N

Jim and his team were great to work with. Will definitely recommend to friends and family.

Oct 16, 2024

John T

Jim and his whole team were the best to work with. Answered all my questions, kept me informed throughout the process, and made the closing so easy! I can't say enough about how good they are at this! Thank you all so much!

Oct 12, 2024

© 2026 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity. www.apmortgage.com

Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.

This site is not authorized by the New York State Department of Financial Services.  No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OK, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ BK 0906702. CA #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 164. Licensed under the Oregon Consumer Finance Act. OK MLO13426.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – 555 West Monroe Street, 5th Floor Chicago, IL 60661 | (888) 473-4858

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV