Safe Rate Rankings

Best Conventional Mortgage Lenders in Kiryas Joel

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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%

Kiryas Joel Market Insights

Homestead Funding is Safe Rate's top-ranked Conventional lender in Kiryas Joel, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Kiryas Joel, Navy Federal Credit Union and Teg Federal Credit Union scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #2 in Kiryas Joel, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Kiryas Joel: Rocket Mortgage (#3) and Hudson Valley Credit Union (#6).

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Overall Rankings

All lenders in Kiryas Joel

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By Institution Type

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	HOMESTEAD FUNDING CORP. Independent Mortgage CompanyDirect	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$1,946Fees	0.098%Above	271
2	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Acceptable*	Exceptional	Exceptional	Exceptional	$3,521Fees	0.391%Above	611
3	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,954Fees	0.454%Above	579
4	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,600Fees	0.298%Above	254
5	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$384Fees	0.266%Below	52
6	HUDSON VALLEY CREDIT UNION Credit UnionDirect	Strong	Sound	Strong	Strong	Exceptional	$1,179Fees	0.114%Above	328
7	TEG Federal Credit Union Credit UnionDirect	Strong	Exceptional	Sound	Strong	Exceptional	$21Credit	0.069%Above	115
8	Manufacturers and Traders Trust Company BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,723Fees	0.079%Above	94
9	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,920Fees	0.180%Below	52
10	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$789Fees	0.015%Below	28
11	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,852Fees	0.363%Above	424
12	KeyBank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$619Fees	0.098%Above	60
13	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,046Fees	0.278%Above	244
14	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,106Fees	0.222%Above	120
15	Valley National Bank BankDirect	Strong	Exceptional	Strong	Sound	Strong	$1,784Fees	0.068%Above	38
16	Citibank, National Association BankDirect	Strong	Exceptional	Exceptional	Sound	Sound	$2,300Fees	0.002%Below	30
17	NJ LENDERS CORP. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Sound	$2,752Fees	0.351%Above	27
18	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$2,527Fees	0.026%Above	67
19	Citizens Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$1,039Fees	0.008%Above	43
20	1ST PRIORITY MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$3,237Fees	0.136%Above	63
21	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,198Fees	0.447%Above	57
22	Ulster Savings Bank BankDirect	Strong	Sound	Strong	Exceptional	Strong	$2,933Fees	0.273%Above	55
23	TrustCo Bank BankDirect	Strong	Exceptional	Strong	Sound	Sound	$1,931Fees	0.195%Below	24
24	HERITAGE FINANCIAL CREDIT UNION Credit UnionDirect	Strong	—	Sound	Strong	Exceptional	$508Fees	0.050%Above	88
25	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,257Fees	0.214%Above	70
26	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$3,263Fees	0.502%Above	149
27	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$1,575Fees	0.400%Above	95
28	MID-HUDSON VALLEY Federal Credit Union Credit UnionDirect	Strong	Strong	Sound	Sound	Strong	$1,336Fees	0.012%Below	61
29	NORWICH COMMERCIAL GROUP, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Sound	Exceptional	$1,836Fees	0.440%Above	169
30	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,183Fees	0.402%Above	64
31	RELIANCE FIRST CAPITAL, LLC Independent Mortgage CompanyDirect	Strong	—	Strong	Strong	Sound	—	—	41
32	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,922Fees	0.574%Above	29
33	Rhinebeck Bank BankDirect	Strong	Exceptional	Sound	Strong	Strong	$859Fees	0.097%Above	26
34	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$4,716Fees	0.404%Above	27
35	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$4,789Fees	0.560%Above	18
36	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$3,390Fees	0.515%Above	38
37	EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,751Fees	0.897%Above	25
38	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,413Fees	0.296%Above	23
39	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$4,566Fees	0.514%Above	66
40	CONTOUR MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$4,107Fees	0.521%Above	42
41	TD Bank, National Association BankDirect	Sound	Sound	Strong	Sound	Sound	$813Fees	0.410%Above	29
42	TOTAL MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$4,823Fees	0.524%Above	23
43	AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$3,259Fees	1.378%Above	24
44	Plains Commerce Bank BankWholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$3,973Fees	0.499%Above	12
45	Municipal Credit Union Credit UnionDirect	Sound	Exceptional	Sound	Acceptable	Sound	$458Fees	0.323%Below	20
46	NATIONWIDE MORTGAGE BANKERS, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Strong	$6,330Fees	0.794%Above	70
47	UNITED NORTHERN MORTGAGE BANKERS LIMITED Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$3,649Fees	0.541%Above	83
48	MID-ISLAND MORTGAGE CORP. Independent Mortgage CompanyDirect	Sound	Strong	Sound	Sound	Sound	$2,601Fees	0.539%Above	15
49	BETTER MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Exceptional	Strong	Mediocre	Sound	$511Fees	0.069%Below	12
50	FM Home Loans, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$2,610Fees	0.434%Above	55

❓ Frequently Asked Questions

How are mortgage lenders ranked in Kiryas Joel?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Kiryas Joel), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Kiryas Joel?+

Based on 2024 HMDA data, 67 lenders originated a combined 5,373 loans in Kiryas Joel. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Kiryas Joel?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Kiryas Joel is 0.35%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Kiryas Joel's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.