Safe Rate Rankings

Best All Lender Mortgage Lenders in Kiryas Joel

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders67

Total Loans5,373

Median Rate Spread0.35%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	TEG Federal Credit UnionCredit Union	Exceptional	Exceptional	Strong	Exceptional	$21Credit	0.069%Above	115
2	HOMESTEAD FUNDING CORP.Independent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	$1,946Fees	0.098%Above	271
3	Valley National BankBank	Exceptional	Exceptional	Strong	Strong	$1,784Fees	0.068%Above	38
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$384Fees	0.266%Below	52
5	Rhinebeck BankBank	Exceptional	Exceptional	Sound	Strong	$859Fees	0.097%Above	26
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,521Fees	0.391%Above	611
7	Manufacturers and Traders Trust CompanyBank	Strong	Strong	Strong	Strong	$1,723Fees	0.079%Above	94
8	KeyBank National AssociationBank	Strong	Strong	Strong	Strong	$619Fees	0.098%Above	60
9	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,920Fees	0.180%Below	52
10	Citibank, National AssociationBank	Strong	Exceptional	Sound	Sound	$2,300Fees	0.002%Below	30
11	TrustCo BankBank	Strong	Exceptional	Sound	Sound	$1,931Fees	0.195%Below	24
12	Municipal Credit UnionCredit Union	Strong	Exceptional	Sound	Sound	$458Fees	0.323%Below	20
13	HUDSON VALLEY CREDIT UNIONCredit Union	Strong	Sound	Strong	Exceptional	$1,179Fees	0.114%Above	328
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$2,600Fees	0.298%Above	254
15	NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,836Fees	0.440%Above	169
16	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,527Fees	0.026%Above	67
17	Ulster Savings BankBank	Strong	Sound	Exceptional	Strong	$2,933Fees	0.273%Above	55
18	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Sound	$1,039Fees	0.008%Above	43
19	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$789Fees	0.015%Below	28
20	NJ LENDERS CORP.Independent Mortgage Company	Strong	Strong	Strong	Sound	$2,752Fees	0.351%Above	27
21	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,954Fees	0.454%Above	579
22	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,046Fees	0.278%Above	244
23	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,106Fees	0.222%Above	120
24	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,575Fees	0.400%Above	95
25	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,257Fees	0.214%Above	70
26	1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,237Fees	0.136%Above	63
27	MID-HUDSON VALLEY Federal Credit UnionCredit Union	Strong	Strong	Acceptable	Strong	$1,336Fees	0.012%Below	61
28	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,852Fees	0.363%Above	424
29	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,198Fees	0.447%Above	57
30	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,322Fees	1.211%Above	21
31	UNITED NORTHERN MORTGAGE BANKERS LIMITEDIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,649Fees	0.541%Above	83
32	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,566Fees	0.514%Above	66
33	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,183Fees	0.402%Above	64
34	CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,107Fees	0.521%Above	42
35	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,390Fees	0.515%Above	38
36	TD Bank, National AssociationBank	Strong	Sound	Sound	Sound	$813Fees	0.410%Above	29
37	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,716Fees	0.404%Above	27
38	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$2,144Fees	0.020%Above	24
39	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,263Fees	0.502%Above	149
40	FM Home Loans, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,610Fees	0.434%Above	55
41	ARK MORTGAGE, INC.Independent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,056Fees	1.040%Above	50
42	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$2,922Fees	0.574%Above	29
43	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$385Fees	0.155%Below	28
44	EMM LOANS LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,751Fees	0.897%Above	25
45	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,259Fees	1.378%Above	24
46	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,413Fees	0.296%Above	23
47	NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$6,330Fees	0.794%Above	70
48	HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company	Sound	Acceptable	Sound	Sound	$4,984Fees	0.559%Above	30

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.