Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	HOMESTEAD FUNDING CORP.Independent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$1,946Fees	0.098%Above	271
2	TEG Federal Credit UnionCredit Union	Exceptional	Exceptional	Sound	Strong	Exceptional	$21Credit	0.069%Above	115
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$384Fees	0.266%Below	52
4	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$619Fees	0.098%Above	60
5	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,920Fees	0.180%Below	52
6	Valley National BankBank	Exceptional	Exceptional	Strong	Sound	Strong	$1,784Fees	0.068%Above	38
7	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	Sound	$2,300Fees	0.002%Below	30
8	Rhinebeck BankBank	Exceptional	Exceptional	Sound	Strong	Strong	$859Fees	0.097%Above	26
9	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,600Fees	0.298%Above	254
10	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,527Fees	0.026%Above	67
11	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$789Fees	0.015%Below	28
12	NJ LENDERS CORP.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,752Fees	0.351%Above	27
13	TrustCo BankBank	Exceptional	Exceptional	Strong	Sound	Sound	$1,931Fees	0.195%Below	24
14	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,521Fees	0.391%Above	611
15	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,954Fees	0.454%Above	579
16	HUDSON VALLEY CREDIT UNIONCredit Union	Strong	Sound	Strong	Strong	Exceptional	$1,179Fees	0.114%Above	328
17	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,106Fees	0.222%Above	120
18	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Strong	$1,723Fees	0.079%Above	94
19	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,183Fees	0.402%Above	64
20	Ulster Savings BankBank	Strong	Sound	Strong	Exceptional	Strong	$2,933Fees	0.273%Above	55
21	Citizens Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,039Fees	0.008%Above	43
22	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,852Fees	0.363%Above	424
23	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,046Fees	0.278%Above	244
24	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,575Fees	0.400%Above	95
25	1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$3,237Fees	0.136%Above	63
26	MID-HUDSON VALLEY Federal Credit UnionCredit Union	Strong	Strong	Sound	Sound	Strong	$1,336Fees	0.012%Below	61
27	Municipal Credit UnionCredit Union	Strong	Exceptional	Sound	Acceptable	Sound	$458Fees	0.323%Below	20
28	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,257Fees	0.214%Above	70
29	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,566Fees	0.514%Above	66
30	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,198Fees	0.447%Above	57
31	CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,107Fees	0.521%Above	42
32	MID-ISLAND MORTGAGE CORP.Independent Mortgage Company	Strong	Strong	Sound	Sound	Sound	$2,601Fees	0.539%Above	15
33	NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$1,836Fees	0.440%Above	169
34	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,263Fees	0.502%Above	149
35	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,390Fees	0.515%Above	38
36	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,922Fees	0.574%Above	29
37	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Sound	$813Fees	0.410%Above	29
38	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,716Fees	0.404%Above	27
39	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,751Fees	0.897%Above	25
40	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,259Fees	1.378%Above	24
41	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,413Fees	0.296%Above	23
42	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,823Fees	0.524%Above	23
43	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,789Fees	0.560%Above	18
44	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,973Fees	0.499%Above	12
45	UNITED NORTHERN MORTGAGE BANKERS LIMITEDIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,649Fees	0.541%Above	83
46	FM Home Loans, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,610Fees	0.434%Above	55
47	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$2,144Fees	0.020%Above	24
48	NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$6,330Fees	0.794%Above	70
49	ARK MORTGAGE, INC.Independent Mortgage Company	Sound	Acceptable	Sound	Sound	Strong	$3,056Fees	1.040%Above	50
50	CLIFFCO, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$5,165Fees	0.496%Above	14

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.