Safe Rate Rankings

Best FHA 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

United Wholesale Mortgage is Safe Rate's top-ranked FHA lender in Kiryas Joel, leading on pricing, pullthrough, FHA product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Kiryas Joel, Keybank National Association and Pennymac Loan Services scores highest on FHA pricing while Reliance First Capital and Homestead Funding leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 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 (#19).

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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	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Sound*	Exceptional	Exceptional	Exceptional	$3,521Fees	0.391%Above	611
2	HOMESTEAD FUNDING CORP. Independent Mortgage CompanyDirect	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$1,946Fees	0.098%Above	271
3	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,954Fees	0.454%Above	579
4	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Sound	Strong	$1,575Fees	0.400%Above	95
5	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,106Fees	0.222%Above	120
6	Manufacturers and Traders Trust Company BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,723Fees	0.079%Above	94
7	KeyBank National Association BankDirect	Strong	Exceptional	Strong	Sound	Strong	$619Fees	0.098%Above	60
8	RELIANCE FIRST CAPITAL, LLC Independent Mortgage CompanyDirect	Strong	—	Exceptional	Exceptional	Sound	—	—	41
9	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,046Fees	0.278%Above	244
10	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$3,263Fees	0.502%Above	149
11	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,852Fees	0.363%Above	424
12	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,922Fees	0.574%Above	29
13	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Sound	Exceptional	$2,600Fees	0.298%Above	254
14	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Sound	$2,322Fees	1.211%Above	21
15	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,257Fees	0.214%Above	70
16	1ST PRIORITY MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$3,237Fees	0.136%Above	63
17	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,198Fees	0.447%Above	57
18	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$3,390Fees	0.515%Above	38
19	HUDSON VALLEY CREDIT UNION Credit UnionDirect	Strong	Sound	Sound	Sound	Exceptional	$1,179Fees	0.114%Above	328
20	HOMEBRIDGE FINANCIAL SERVICES, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Strong	Strong	Sound	$4,984Fees	0.559%Above	30
21	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,183Fees	0.402%Above	64
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,716Fees	0.404%Above	27
23	EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,751Fees	0.897%Above	25
24	NATIONWIDE MORTGAGE BANKERS, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$6,330Fees	0.794%Above	70
25	UNITED NORTHERN MORTGAGE BANKERS LIMITED Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Strong	$3,649Fees	0.541%Above	83
26	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$4,566Fees	0.514%Above	66
27	CONTOUR MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$4,107Fees	0.521%Above	42
28	EAST COAST CAPITAL CORP. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Sound	$4,585Fees	0.556%Above	26
29	MID-ISLAND MORTGAGE CORP. Independent Mortgage CompanyDirect	Sound	Sound	Strong	Strong	Sound	$2,601Fees	0.539%Above	15
30	Equity Prime Mortgage LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$3,818Fees	0.711%Above	14
31	CARRINGTON MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$7,821Fees	0.488%Above	14
32	The Federal Savings Bank BankDirect	Sound	Acceptable	Exceptional	Sound	Sound	$4,132Fees	0.467%Above	22
33	CLIFFCO, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Sound	$5,165Fees	0.496%Above	14
34	MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Sound	$5,605Fees	0.647%Above	28

❓ 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.