# Best FHA Mortgage Lenders in Kiryas Joel

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

Compare the top FHA 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/fha-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 | 84 | 271 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 611 | Independent Mortgage Company |
| 3 | Manufacturers and Traders Trust Company | 85 | 74 | 65 | 94 | Bank |
| 4 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 579 | Independent Mortgage Company |
| 5 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 80 | 22 | 82 | 244 | Independent Mortgage Company |
| 6 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 120 | Independent Mortgage Company |
| 7 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 95 | Independent Mortgage Company |
| 8 | KeyBank National Association | 79 | 83 | 59 | 60 | Bank |
| 9 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 21 | Independent Mortgage Company |
| 10 | 1ST PRIORITY MORTGAGE, INC. | 74 | 59 | 66 | 63 | Independent Mortgage Company |
| 11 | JPMorgan Chase Bank, National Association | 73 | 59 | 47 | 254 | Bank |
| 12 | NEWREZ LLC | 73 | 52 | 56 | 149 | Independent Mortgage Company |
| 13 | Flagstar Bank, N.A. | 73 | 58 | 71 | 29 | Bank |
| 14 | EMM LOANS LLC | 73 | 44 | 67 | 25 | Independent Mortgage Company |
| 15 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 70 | Independent Mortgage Company |
| 16 | PLAZA HOME MORTGAGE, INC. | 71 | 30 | 65 | 64 | Independent Mortgage Company |
| 17 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 57 | Independent Mortgage Company |
| 18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 70 | 20 | 82 | 27 | Independent Mortgage Company |
| 19 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 69 | 60 | 61 | 30 | Independent Mortgage Company |
| 20 | MID-ISLAND MORTGAGE CORP. | 69 | 52 | 61 | 15 | Independent Mortgage Company |
| 21 | HUDSON VALLEY CREDIT UNION | 68 | 59 | 43 | 328 | Credit Union |
| 22 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 38 | 79 | 38 | Independent Mortgage Company |
| 23 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 14 | Independent Mortgage Company |
| 24 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 19 | 69 | 424 | Independent Mortgage Company |
| 25 | EAST COAST CAPITAL CORP. | 63 | 23 | 68 | 26 | Independent Mortgage Company |
| 26 | The Federal Savings Bank | 62 | 26 | 53 | 22 | Bank |
| 27 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 14 | Independent Mortgage Company |
| 28 | NATIONWIDE MORTGAGE BANKERS, INC. | 60 | 6 | 73 | 70 | Independent Mortgage Company |
| 29 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 66 | Independent Mortgage Company |
| 30 | CONTOUR MORTGAGE CORPORATION | 60 | 17 | 65 | 42 | Independent Mortgage Company |
| 31 | RELIANCE FIRST CAPITAL, LLC | 59 | N/A | 91 | 41 | Independent Mortgage Company |
| 32 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | 57 | 18 | 64 | 83 | Independent Mortgage Company |
| 33 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 53 | 8 | 63 | 28 | Independent Mortgage Company |
| 34 | CLIFFCO, INC. | 53 | 15 | 74 | 14 | 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.