# Best Conventional Mortgage Lenders in Kiryas Joel

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

Compare the top Conventional mortgage lenders in Kiryas Joel. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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. | 95 | 71 | 82 | 271 | Independent Mortgage Company |
| 2 | KeyBank National Association | 85 | 70 | 66 | 60 | Bank |
| 3 | Bank of America, National Association | 85 | 71 | 67 | 52 | Bank |
| 4 | JPMorgan Chase Bank, National Association | 83 | 52 | 71 | 254 | Bank |
| 5 | TEG Federal Credit Union | 83 | 87 | 67 | 115 | Credit Union |
| 6 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 52 | Credit Union |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 611 | Independent Mortgage Company |
| 8 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 579 | Independent Mortgage Company |
| 9 | HUDSON VALLEY CREDIT UNION | 79 | 60 | 60 | 328 | Credit Union |
| 10 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 120 | Independent Mortgage Company |
| 11 | Manufacturers and Traders Trust Company | 79 | 59 | 76 | 94 | Bank |
| 12 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 67 | Bank |
| 13 | PLAZA HOME MORTGAGE, INC. | 79 | 43 | 63 | 64 | Independent Mortgage Company |
| 14 | Ulster Savings Bank | 79 | 46 | 85 | 55 | Bank |
| 15 | Valley National Bank | 79 | 89 | 59 | 38 | Bank |
| 16 | U.S. Bank National Association | 79 | 75 | 69 | 28 | Bank |
| 17 | NJ LENDERS CORP. | 79 | 69 | 72 | 27 | Independent Mortgage Company |
| 18 | Rhinebeck Bank | 79 | 81 | 68 | 26 | Bank |
| 19 | Citibank, National Association | 77 | 86 | 54 | 30 | Bank |
| 20 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 424 | Independent Mortgage Company |
| 21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 26 | 76 | 244 | Independent Mortgage Company |
| 22 | 1ST PRIORITY MORTGAGE, INC. | 74 | 46 | 77 | 63 | Independent Mortgage Company |
| 23 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 95 | Independent Mortgage Company |
| 24 | Citizens Bank, National Association | 73 | 70 | 59 | 43 | Bank |
| 25 | TrustCo Bank | 73 | 87 | 54 | 24 | Bank |
| 26 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 70 | Independent Mortgage Company |
| 27 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 66 | Independent Mortgage Company |
| 28 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 57 | Independent Mortgage Company |
| 29 | CONTOUR MORTGAGE CORPORATION | 71 | 29 | 66 | 42 | Independent Mortgage Company |
| 30 | MID-HUDSON VALLEY Federal Credit Union | 69 | 77 | 53 | 61 | Credit Union |
| 31 | NORWICH COMMERCIAL GROUP, INC. | 66 | 37 | 59 | 169 | Independent Mortgage Company |
| 32 | NEWREZ LLC | 66 | 31 | 58 | 149 | Independent Mortgage Company |
| 33 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 20 | 78 | 38 | Independent Mortgage Company |
| 34 | Flagstar Bank, N.A. | 66 | 34 | 72 | 29 | Bank |
| 35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 66 | 25 | 78 | 27 | Independent Mortgage Company |
| 36 | EMM LOANS LLC | 66 | 28 | 78 | 25 | Independent Mortgage Company |
| 37 | AMERICAN FINANCIAL NETWORK, INC. | 66 | 29 | 63 | 24 | Independent Mortgage Company |
| 38 | Prosperity Home Mortgage, LLC | 66 | 33 | 71 | 23 | Independent Mortgage Company |
| 39 | TOTAL MORTGAGE SERVICES, LLC | 66 | 22 | 74 | 23 | Independent Mortgage Company |
| 40 | CMG MORTGAGE, INC. | 66 | 34 | 73 | 18 | Independent Mortgage Company |
| 41 | Plains Commerce Bank | 66 | 35 | 64 | 12 | Bank |
| 42 | TD Bank, National Association | 64 | 54 | 50 | 29 | Bank |
| 43 | MID-ISLAND MORTGAGE CORP. | 64 | 67 | 47 | 15 | Independent Mortgage Company |
| 44 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | 63 | 28 | 54 | 83 | Independent Mortgage Company |
| 45 | FM Home Loans, LLC | 63 | 33 | 43 | 55 | Independent Mortgage Company |
| 46 | Municipal Credit Union | 62 | 96 | 28 | 20 | Credit Union |
| 47 | ARK MORTGAGE, INC. | 58 | 21 | 57 | 50 | Independent Mortgage Company |
| 48 | USAA Federal Savings Bank | 58 | 53 | 27 | 24 | Bank |
| 49 | CLIFFCO, INC. | 58 | 26 | 59 | 14 | Independent Mortgage Company |
| 50 | NATIONWIDE MORTGAGE BANKERS, INC. | 57 | 12 | 63 | 70 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.