# Best Mortgage Lenders in Kiryas Joel

**As of:** 2026-05-22

Compare the top mortgage lenders in Kiryas Joel. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/kiryas-joel/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 67
- **Total Loans:** 5,373
- **Median Rate Spread:** 0.3528636363636364%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | HOMESTEAD FUNDING CORP. | 93 | 72 | 83 | 271 | Independent Mortgage Company |
| 2 | TEG Federal Credit Union | 93 | 87 | 73 | 115 | Credit Union |
| 3 | Valley National Bank | 86 | 87 | 65 | 38 | Bank |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 611 | Independent Mortgage Company |
| 5 | Manufacturers and Traders Trust Company | 80 | 62 | 78 | 94 | Bank |
| 6 | KeyBank National Association | 80 | 71 | 69 | 60 | Bank |
| 7 | Bank of America, National Association | 80 | 73 | 75 | 52 | Bank |
| 8 | HUDSON VALLEY CREDIT UNION | 78 | 59 | 62 | 328 | Credit Union |
| 9 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 254 | Bank |
| 10 | NORWICH COMMERCIAL GROUP, INC. | 78 | 42 | 64 | 169 | Independent Mortgage Company |
| 11 | Ulster Savings Bank | 78 | 47 | 82 | 55 | Bank |
| 12 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 52 | Credit Union |
| 13 | Rhinebeck Bank | 78 | 81 | 44 | 26 | Bank |
| 14 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 579 | Independent Mortgage Company |
| 15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 74 | 26 | 83 | 244 | Independent Mortgage Company |
| 16 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 120 | Independent Mortgage Company |
| 17 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 95 | Independent Mortgage Company |
| 18 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 70 | Independent Mortgage Company |
| 19 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 67 | Bank |
| 20 | 1ST PRIORITY MORTGAGE, INC. | 73 | 47 | 77 | 63 | Independent Mortgage Company |
| 21 | Citizens Bank, National Association | 73 | 69 | 62 | 43 | Bank |
| 22 | U.S. Bank National Association | 73 | 75 | 71 | 28 | Bank |
| 23 | NJ LENDERS CORP. | 73 | 67 | 76 | 27 | Independent Mortgage Company |
| 24 | Citibank, National Association | 71 | 87 | 58 | 30 | Bank |
| 25 | TrustCo Bank | 71 | 86 | 55 | 24 | Bank |
| 26 | Municipal Credit Union | 71 | 95 | 42 | 20 | Credit Union |
| 27 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 424 | Independent Mortgage Company |
| 28 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 57 | Independent Mortgage Company |
| 29 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 21 | Independent Mortgage Company |
| 30 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | 63 | 26 | 63 | 83 | Independent Mortgage Company |
| 31 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 66 | Independent Mortgage Company |
| 32 | PLAZA HOME MORTGAGE, INC. | 63 | 36 | 69 | 64 | Independent Mortgage Company |
| 33 | MID-HUDSON VALLEY Federal Credit Union | 63 | 77 | 36 | 61 | Credit Union |
| 34 | CONTOUR MORTGAGE CORPORATION | 63 | 26 | 69 | 42 | Independent Mortgage Company |
| 35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 62 | 26 | 87 | 38 | Independent Mortgage Company |
| 36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 27 | Independent Mortgage Company |
| 37 | TD Bank, National Association | 60 | 47 | 57 | 29 | Bank |
| 38 | USAA Federal Savings Bank | 60 | 54 | 45 | 24 | Bank |
| 39 | NEWREZ LLC | 58 | 35 | 59 | 149 | Independent Mortgage Company |
| 40 | FM Home Loans, LLC | 58 | 30 | 52 | 55 | Independent Mortgage Company |
| 41 | ARK MORTGAGE, INC. | 58 | 21 | 57 | 50 | Independent Mortgage Company |
| 42 | Flagstar Bank, N.A. | 58 | 40 | 76 | 29 | Bank |
| 43 | Mortgage Research Center, LLC | 58 | 34 | 70 | 28 | Independent Mortgage Company |
| 44 | EMM LOANS LLC | 58 | 31 | 77 | 25 | Independent Mortgage Company |
| 45 | AMERICAN FINANCIAL NETWORK, INC. | 58 | 28 | 71 | 24 | Independent Mortgage Company |
| 46 | Prosperity Home Mortgage, LLC | 58 | 37 | 77 | 23 | Independent Mortgage Company |
| 47 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 52 | 35 | 55 | 30 | Independent Mortgage Company |
| 48 | NATIONWIDE MORTGAGE BANKERS, INC. | 50 | 11 | 74 | 70 | Independent Mortgage Company |
| 49 | HERITAGE FINANCIAL CREDIT UNION | 49 | N/A | 50 | 88 | Credit Union |
| 50 | RELIANCE FIRST CAPITAL, LLC | 49 | N/A | 96 | 41 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Kiryas Joel.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.