{ "_meta": { "dataset": "halal-finance-registry-us", "name": "U.S. Halal Finance Product Registry", "description": "Structured, machine-readable registry of every Shariah-compliant financial product HalalWallet tracks in the U.S. — provider, category, Islamic contract structure, state availability, Shariah oversight, rating, category-specific terms, and a last-verified date per record.", "url": "https://www.halalwallet.us/data/halal-finance-registry-us", "downloadUrl": "https://www.halalwallet.us/api/data/halal-finance-registry-us.json", "publisher": { "@type": "Organization", "name": "HalalWallet", "url": "https://www.halalwallet.us", "logo": "https://www.halalwallet.us/mainlogo_1.png" }, "license": "CC BY 4.0", "licenseUrl": "https://creativecommons.org/licenses/by/4.0/", "datePublished": "2026-06-30", "dateModified": "2026-06-30", "temporalCoverage": "2024/..", "spatialCoverage": "United States", "citation": "HalalWallet. \"U.S. Halal Finance Product Registry.\" 2026-06-30. https://www.halalwallet.us/data/halal-finance-registry-us", "changelog": [ { "date": "2026-06-30", "note": "Initial public release: product-level registry sourced directly from the live HalalWallet product database, with Islamic contract structures, state availability, category-specific terms, and per-record last-verified dates." } ], "generatedAt": "2026-07-01T02:38:53.074Z", "coverage": { "total": 114, "asOf": "2026-07-01", "byCategory": { "Bank Accounts": 8, "Business Financing": 17, "Halal Certifications": 4, "Home & Personal Financing": 19, "Insurance": 16, "Investing": 22, "Retirement": 7, "Wills & Estate Planning": 18, "Zakat Calculator": 3 }, "providerVerified": { "records": 6, "providers": 1 }, "verdictLinked": { "records": 2, "ofTickerRecords": 12 }, "freshness": { "recordsWithVerificationDate": 87, "recordsWithoutVerificationDate": 27, "pctVerified": 76, "verifiedThrough": "2026-05" }, "fieldCoverage": { "core": { "provider": { "present": 114, "total": 114, "pct": 100 }, "productName": { "present": 114, "total": 114, "pct": 100 }, "category": { "present": 114, "total": 114, "pct": 100 }, "structure": { "present": 108, "total": 114, "pct": 95 }, "shariahOversight": { "present": 94, "total": 114, "pct": 82 }, "website": { "present": 114, "total": 114, "pct": 100 }, "states": { "present": 109, "total": 114, "pct": 96 }, "rating": { "present": 97, "total": 114, "pct": 85 }, "bestFor": { "present": 98, "total": 114, "pct": 86 }, "lastVerified": { "present": 87, "total": 114, "pct": 76 } }, "decisionGrade": { "apy": { "present": 1, "total": 114, "pct": 1 }, "monthlyFee": { "present": 5, "total": 114, "pct": 4 }, "expenseRatio": { "present": 8, "total": 114, "pct": 7 }, "managementFee": { "present": 2, "total": 114, "pct": 2 }, "minInvestment": { "present": 2, "total": 114, "pct": 2 }, "minDownPayment": { "present": 9, "total": 114, "pct": 8 }, "maxLoanAmount": { "present": 4, "total": 114, "pct": 4 }, "minCreditScore": { "present": 4, "total": 114, "pct": 4 }, "termOptions": { "present": 4, "total": 114, "pct": 4 }, "terms": { "present": 13, "total": 114, "pct": 11 }, "pricing": { "present": 18, "total": 114, "pct": 16 }, "features": { "present": 32, "total": 114, "pct": 28 } } }, "note": "Identity and Shariah-structure fields are substantially complete. Decision-grade fields (rates, pricing, eligibility) are under active primary-source verification via the HalalWallet provider portal and are reported here as gaps rather than estimated. See /methodology." } }, "records": [ { "id": "jafari-credit-union-savings-account", "provider": "Jafari Credit Union", "providerProfileUrl": "https://www.halalwallet.us/providers/jafari-credit-union", "productName": "Savings Account", "category": "Bank Accounts", "categoryHubUrl": "https://www.halalwallet.us/bank-accounts", "structure": "Qard Hasan", "structureSlugs": [ "qard-hasan" ], "shariahOversight": "no_public_review", "shariahOversightSummary": "No formal Shariah board or fatwa published on site.\nOperates as a no-interest credit union model.", "shariahBoard": "no_public_review", "description": "A savings account is for setting aside money you don’t need right away. Funds are kept or invested in halal ways, without paying or receiving interest.", "website": "https://www.jafaricu.com/#services", "nationwide": false, "stateCount": 1, "states": [ "TX" ], "rating": 4.3, "founded": 2016, "bestFor": "True 0% interest, NCUA insured", "lastVerified": "2026-02", "accountType": "Savings", "apy": "0%", "monthlyFee": "$3-$60 (sliding scale based on loans)", "minOpeningDeposit": "$200", "fdicInsured": true, "profitStructure": "Qard Hasan (No interest)" }, { "id": "lariba-american-finance-house-certificate-of-deposit", "provider": "LARIBA American Finance House", "providerProfileUrl": "https://www.halalwallet.us/providers/lariba-american-finance-house", "productName": "Certificate of Deposit", "category": "Bank Accounts", "categoryHubUrl": "https://www.halalwallet.us/bank-accounts", "structure": "Musharakah", "structureSlugs": [ "musharakah" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Model reviewed by Al-Baraka scholars (1990/1994) and Darul Hikmah (2012).\nInternal Shariah supervision.", "shariahBoard": "formal_board", "description": "A certificate of deposit is a type of account where you set aside money for a fixed period of time and can withdraw it when the term ends.", "website": "https://www.myuif.com/lariba/", "nationwide": true, "stateCount": 50, "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY" ], "rating": 4.5, "founded": 1987, "bestFor": "35+ year track record, full-service RF banking", "lastVerified": "2026-02", "screeningMethod": "Shariah-compliant", "accountTypes": [ "Individual" ] }, { "id": "lariba-american-finance-house-deposit-account", "provider": "LARIBA American Finance House", "providerProfileUrl": "https://www.halalwallet.us/providers/lariba-american-finance-house", "productName": "Deposit Account", "category": "Bank Accounts", "categoryHubUrl": "https://www.halalwallet.us/bank-accounts", "structure": "Musharakah", "structureSlugs": [ "musharakah" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Model reviewed by Al-Baraka scholars (1990/1994) and Darul Hikmah (2012).\nInternal Shariah supervision.", "shariahBoard": "formal_board", "description": "A deposit account lets you keep money for everyday use like receiving income, paying bills, or making transfers — without earning interest.", "website": "https://www.myuif.com/lariba/", "nationwide": true, "stateCount": 50, "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY" ], "rating": 4.5, "founded": 1987, "bestFor": "35+ year track record, full-service RF banking", "lastVerified": "2026-02", "accountType": "Deposit Account", "fdicInsured": true, "profitStructure": "Profit-sharing" }, { "id": "lariba-american-finance-house-savings-account", "provider": "LARIBA American Finance House", "providerProfileUrl": "https://www.halalwallet.us/providers/lariba-american-finance-house", "productName": "Savings Account", "category": "Bank Accounts", "categoryHubUrl": "https://www.halalwallet.us/bank-accounts", "structure": "Musharakah", "structureSlugs": [ "musharakah" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Model reviewed by Al-Baraka scholars (1990/1994) and Darul Hikmah (2012).\nInternal Shariah supervision.", "shariahBoard": "formal_board", "description": "A savings account is for setting aside money you don’t need right away. Funds are kept or invested in halal ways, without paying or receiving interest.", "website": "https://www.myuif.com/lariba/", "nationwide": true, "stateCount": 50, "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY" ], "rating": 4.5, "founded": 1987, "bestFor": "35+ year track record, full-service RF banking", "lastVerified": "2026-02", "accountType": "Savings", "fdicInsured": true, "profitStructure": "Profit-sharing" }, { "id": "stearns-bank-deposit-account", "provider": "Stearns Bank", "providerProfileUrl": "https://www.halalwallet.us/providers/stearns-bank", "productName": "Deposit Account", "category": "Bank Accounts", "categoryHubUrl": "https://www.halalwallet.us/bank-accounts", "structure": "Varies by product", "shariahOversight": "formal_board", "shariahOversightSummary": "Independent Sharia Supervisory Board reviews products (Mufti Ibrahim Essa + others).\nBoard approved deposit & financing products.", "shariahBoard": "formal_board", "description": "A deposit account lets you keep money for everyday use like receiving income, paying bills, or making transfers — without earning interest.", "website": "https://www.stearnsbank.com/about/salaam-banking", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 5, "founded": 1912, "bestFor": "Business financing expertise", "lastVerified": "2026-02", "accountType": "Deposit Account", "monthlyFee": "$0", "fdicInsured": true, "profitStructure": "Profit-sharing" }, { "id": "stearns-bank-savings-account", "provider": "Stearns Bank", "providerProfileUrl": "https://www.halalwallet.us/providers/stearns-bank", "productName": "Savings Account", "category": "Bank Accounts", "categoryHubUrl": "https://www.halalwallet.us/bank-accounts", "structure": "Varies by product", "shariahOversight": "formal_board", "shariahOversightSummary": "Independent Sharia Supervisory Board reviews products (Mufti Ibrahim Essa + others).\nBoard approved deposit & financing products.", "shariahBoard": "formal_board", "description": "A savings account is for setting aside money you don’t need right away. Funds are kept or invested in halal ways, without paying or receiving interest.", "website": "https://www.stearnsbank.com/about/salaam-banking", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 5, "founded": 1912, "bestFor": "Business financing expertise", "lastVerified": "2026-02", "accountType": "Savings", "monthlyFee": "$0", "fdicInsured": true, "profitStructure": "Profit-sharing - Market-based returns" }, { "id": "university-islamic-financial-corporation-deposit-account", "provider": "UIF", "productName": "Deposit Account", "category": "Bank Accounts", "categoryHubUrl": "https://www.halalwallet.us/bank-accounts", "structure": "Musharakah", "structureSlugs": [ "musharakah" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Sharia Supervisory Board chaired by Sheikh Nizam Yaquby.\nBoard reviews/approves UIF programs; fatwas + audits published.", "shariahBoard": "formal_board", "description": "A deposit account lets you keep money for everyday use like receiving income, paying bills, or making transfers — without earning interest.", "website": "https://www.myuif.com/deposit-accounts/", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 4.5, "founded": 2005, "bestFor": "Everyday banking", "lastVerified": "2026-02", "accountType": "Time Deposit Account", "monthlyFee": "$0", "minOpeningDeposit": "$100", "fdicInsured": true, "profitStructure": "Profit-sharing" }, { "id": "university-islamic-financial-corporation-savings-account", "provider": "UIF", "productName": "Savings Account", "category": "Bank Accounts", "categoryHubUrl": "https://www.halalwallet.us/bank-accounts", "structure": "Musharakah", "structureSlugs": [ "musharakah" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Sharia Supervisory Board chaired by Sheikh Nizam Yaquby.\nBoard reviews/approves UIF programs; fatwas + audits published.", "shariahBoard": "formal_board", "description": "A savings account is for setting aside money you don’t need right away. Funds are kept or invested in halal ways, without paying or receiving interest.", "website": "https://www.myuif.com/deposit-accounts/", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 4.5, "founded": 2005, "bestFor": "Everyday banking", "lastVerified": "2026-02", "accountType": "Savings", "monthlyFee": "$0", "minOpeningDeposit": "$100", "fdicInsured": true, "profitStructure": "Profit-sharing - Monthly anticipated returns" }, { "id": "devon-bank-commercial-real-estate-financing", "provider": "Devon Bank", "providerProfileUrl": "https://www.halalwallet.us/providers/devon-bank", "productName": "Commercial Real Estate Financing", "category": "Business Financing", "categoryHubUrl": "https://www.halalwallet.us/business-financing", "productType": "Commercial Real Estate", "structure": "Murabaha / Ijara", "structureSlugs": [ "murabaha" ], "shariahOversight": "formal_board", "shariahOversightSummary": "The details of the initial Murabaha and Ijara products were reviewed by the Honorable Mufti Muhammad Nawal-ur-Rahman and the Shariah Supervisory Board of America", "shariahBoard": "formal_board", "description": "Funding for properties used for business purposes, such as office buildings, retail spaces, and industrial warehouses.", "website": "https://www.devonbank.com/faith-based-commercial-financing/", "nationwide": false, "stateCount": 1, "states": [ "IL" ], "rating": 4.5, "founded": 2003, "bestFor": "Midwest buyers, Chicago-based", "lastVerified": "2026-02", "minAmount": "$250,000", "maxAmount": "$5,000,000" }, { "id": "devon-bank-construction-financing", "provider": "Devon Bank", "providerProfileUrl": "https://www.halalwallet.us/providers/devon-bank", "productName": "Construction Financing", "category": "Business Financing", "categoryHubUrl": "https://www.halalwallet.us/business-financing", "productType": "Construction Financing", "structure": "Murabaha / Ijara", "structureSlugs": [ "murabaha" ], "shariahOversight": "formal_board", "shariahOversightSummary": "The details of the initial Murabaha and Ijara products were reviewed by the Honorable Mufti Muhammad Nawal-ur-Rahman and the Shariah Supervisory Board of America", "shariahBoard": "formal_board", "description": "Financing used to build or renovate a property, often released in stages as the project progresses.", "website": "https://www.devonbank.com/faith-based-commercial-financing/", "nationwide": false, "stateCount": 1, "states": [ "IL" ], "rating": 4.5, "founded": 2003, "bestFor": "Midwest buyers, Chicago-based", "lastVerified": "2026-02", "minAmount": "Contact provider", "maxAmount": "Contact provider" }, { "id": "devon-bank-equipment-financing", "provider": "Devon Bank", "providerProfileUrl": "https://www.halalwallet.us/providers/devon-bank", "productName": "Equipment Financing", "category": "Business Financing", "categoryHubUrl": "https://www.halalwallet.us/business-financing", "productType": "Equipment Financing", "structure": "Murabaha / Ijara", "structureSlugs": [ "murabaha" ], "shariahOversight": "formal_board", "shariahOversightSummary": "The details of the initial Murabaha and Ijara products were reviewed by the Honorable Mufti Muhammad Nawal-ur-Rahman and the Shariah Supervisory Board of America", "shariahBoard": "formal_board", "description": "Financing used to purchase or lease equipment needed to operate or grow a business.", "website": "https://www.devonbank.com/faith-based-commercial-financing/", "nationwide": false, "stateCount": 1, "states": [ "IL" ], "rating": 4.5, "founded": 2003, "bestFor": "Midwest buyers, Chicago-based", "lastVerified": "2026-02", "minAmount": "Contact provider", "maxAmount": "Contact provider" }, { "id": "devon-bank-secured-line-of-credit", "provider": "Devon Bank", "providerProfileUrl": "https://www.halalwallet.us/providers/devon-bank", "productName": "Secured Line of Credit", "category": "Business Financing", "categoryHubUrl": "https://www.halalwallet.us/business-financing", "productType": "Secured Line of Credit", "structure": "Murabaha / Ijara", "structureSlugs": [ "murabaha" ], "shariahOversight": "formal_board", "shariahOversightSummary": "The details of the initial Murabaha and Ijara products were reviewed by the Honorable Mufti Muhammad Nawal-ur-Rahman and the Shariah Supervisory Board of America", "shariahBoard": "formal_board", "description": "A flexible credit option that allows borrowing against pledged assets, giving access to funds when needed.", "website": "https://www.devonbank.com/faith-based-commercial-financing/", "nationwide": false, "stateCount": 1, "states": [ "IL" ], "rating": 4.5, "founded": 2003, "bestFor": "Midwest buyers, Chicago-based", "lastVerified": "2026-02", "minAmount": "Contact provider", "maxAmount": "Contact provider" }, { "id": "ijara-community-development-commercial-real-estate-financing", "provider": "Ijara Community Development", "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development", "productName": "Commercial Real Estate Financing", "category": "Business Financing", "categoryHubUrl": "https://www.halalwallet.us/business-financing", "productType": "Commercial Real Estate", "structure": "Ijara / Musharakah", "structureSlugs": [ "ijara" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon.\nShaykh Mufti Mohammed-Umer Esmail serves as advisor.", "shariahBoard": "formal_board", "description": "Sharia-compliant financing for large commercial properties (office buildings, retail centers, industrial properties) using a trust-based Ijara structure. $500K–$20M, 35%+ equity required, long-term leases required. 200+ commercial funding sources.", "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 5, "founded": 2005, "bestFor": "No/low credit options", "lastVerified": "2026-02", "minDownPayment": "35%+", "features": [ "All 50 states", "200+ commercial funding sources", "35%+ equity required", "Long-term leases required", "Property types: office buildings, retail centers, industrial properties", "Trust-based Ijara (lease-to-purchase) structure" ], "minAmount": "$500,000", "maxAmount": "$20,000,000", "verifiedProgramFacts": { "minDealSize": "$300,000", "dscrOrOperatingHistory": "Ideally ~2 years of operating history", "prepaymentPenalty": "Generally none (some specialty programs may carry one)", "servicing": { "onlinePaymentPortal": true, "autopayACH": true, "paymentMethodsNote": "ACH is the only payment option" } }, "verifiedFactsBy": "Ijara CDC (provider-supplied)", "verifiedFactsAt": "2026-06-30" }, { "id": "ijara-community-development-multifamily-financing", "provider": "Ijara Community Development", "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development", "productName": "Multifamily Financing", "category": "Business Financing", "categoryHubUrl": "https://www.halalwallet.us/business-financing", "productType": "Multifamily", "structure": "Ijara", "structureSlugs": [ "ijara" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.", "shariahBoard": "formal_board", "description": "Financing for multifamily apartment complexes of 8–300 units. $1M–$25M, 25–30% down. Long amortization terms, non-recourse options available. Trust-based Ijara structure through 200+ commercial funding sources.", "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 5, "founded": 2005, "bestFor": "Multifamily apartment investors", "minDownPayment": "25–30%", "features": [ "All 50 states", "200+ commercial funding sources", "8–300 units", "25–30% down payment", "Long amortization terms", "Non-recourse options available", "Trust-based Ijara (lease-to-purchase) structure" ], "minAmount": "$1,000,000", "maxAmount": "$25,000,000", "verifiedProgramFacts": { "minDealSize": "$300,000", "dscrOrOperatingHistory": "Ideally ~2 years of operating history", "prepaymentPenalty": "Generally none (some specialty programs may carry one)", "servicing": { "onlinePaymentPortal": true, "autopayACH": true, "paymentMethodsNote": "ACH is the only payment option" } }, "verifiedFactsBy": "Ijara CDC (provider-supplied)", "verifiedFactsAt": "2026-06-30" }, { "id": "ijara-community-development-small-business-financing", "provider": "Ijara Community Development", "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development", "productName": "Small Business Financing", "category": "Business Financing", "categoryHubUrl": "https://www.halalwallet.us/business-financing", "productType": "Small Business", "structure": "Ijara", "structureSlugs": [ "ijara" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.", "shariahBoard": "formal_board", "description": "Financing for businesses purchasing or refinancing their operating property. Offices, medical/dental practices, restaurants, warehouses, gas stations, hotels. Also covers acquisitions, equipment, inventory, working capital, and renovations. $250K–$5M, ~5–10% down, up to 25 years. Professional practices sub-program: ~5% down, construction/build-outs possible with payment deferral.", "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 5, "founded": 2005, "bestFor": "Small business owners and professional practices", "minDownPayment": "~5–10%", "terms": [ "Up to 25 years" ], "features": [ "All 50 states", "200+ commercial funding sources", "~5–10% down payment", "Property types: offices, medical/dental, restaurants, warehouses, gas stations, hotels", "Also covers: acquisitions, equipment, inventory, working capital, renovations", "Professional practices program: ~5% down, construction/build-outs, payment deferral during buildout", "Trust-based Ijara (lease-to-purchase) structure" ], "minAmount": "$250,000", "maxAmount": "$5,000,000", "verifiedProgramFacts": { "minDealSize": "$300,000", "dscrOrOperatingHistory": "Ideally ~2 years of operating history", "prepaymentPenalty": "Generally none (some specialty programs may carry one)", "servicing": { "onlinePaymentPortal": true, "autopayACH": true, "paymentMethodsNote": "ACH is the only payment option" } }, "verifiedFactsBy": "Ijara CDC (provider-supplied)", "verifiedFactsAt": "2026-06-30" }, { "id": "jafari-credit-union-equipment-financing", "provider": "Jafari Credit Union", "providerProfileUrl": "https://www.halalwallet.us/providers/jafari-credit-union", "productName": "Equipment Financing", "category": "Business Financing", "categoryHubUrl": "https://www.halalwallet.us/business-financing", "productType": "Equipment Financing", "structure": "Qard Hasan", "structureSlugs": [ "qard-hasan" ], "shariahOversight": "no_public_review", "shariahOversightSummary": "No formal Shariah board or fatwa published on site.\nOperates as a no-interest credit union model.", "shariahBoard": "no_public_review", "description": "Financing used to purchase or lease equipment needed to operate or grow a business.", "website": "https://www.jafaricu.com/#services", "nationwide": false, "stateCount": 1, "states": [ "TX" ], "rating": 5, "founded": 2016, "bestFor": "True 0% interest, NCUA insured", "lastVerified": "2026-02", "minAmount": "Contact provider", "maxAmount": "Contact provider" }, { "id": "lariba-american-finance-house-commercial-real-estate-financing", "provider": "LARIBA American Finance House", "providerProfileUrl": "https://www.halalwallet.us/providers/lariba-american-finance-house", "productName": "Commercial Real Estate Financing", "category": "Business Financing", "categoryHubUrl": "https://www.halalwallet.us/business-financing", "productType": "Commercial Real Estate", "structure": "Musharakah", "structureSlugs": [ "musharakah" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Model reviewed by Al-Baraka scholars (1990/1994) and Darul Hikmah (2012).\nInternal Shariah supervision.", "shariahBoard": "formal_board", "description": "Funding for properties used for business purposes, such as office buildings, retail spaces, and industrial warehouses.", "website": "https://www.myuif.com/lariba/", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 4.5, "founded": 1987, "bestFor": "35+ year track record, full-service RF banking", "lastVerified": "2026-02", "minAmount": "$500,000", "maxAmount": "$10,000,000+" }, { "id": "lariba-american-finance-house-non-profit-financing", "provider": "LARIBA American Finance House", "providerProfileUrl": "https://www.halalwallet.us/providers/lariba-american-finance-house", "productName": "Non-Profit Financing", "category": "Business Financing", "categoryHubUrl": "https://www.halalwallet.us/business-financing", "productType": "Non-Profit Financing", "structure": "Musharakah", "structureSlugs": [ "musharakah" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Model reviewed by Al-Baraka scholars (1990/1994) and Darul Hikmah (2012).\nInternal Shariah supervision.", "shariahBoard": "formal_board", "description": "Financing designed to help non-profit organizations fund projects, acquire property, or expand operations.", "website": "https://www.myuif.com/lariba/", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 4.5, "founded": 1987, "bestFor": "35+ year track record, full-service RF banking", "lastVerified": "2026-02", "minAmount": "Contact provider", "maxAmount": "Contact provider" }, { "id": "neighborhood-development-center-small-business-loans", "provider": "Neighborhood Development Center", "providerProfileUrl": "https://www.halalwallet.us/providers/neighborhood-development-center", "productName": "Small Business Loans", "category": "Business Financing", "categoryHubUrl": "https://www.halalwallet.us/business-financing", "productType": "Small Business Loans", "structure": "Islamic Financing", "shariahOversight": "no_public_review", "shariahOversightSummary": "Community development lender.\nNo formal Shariah board or certification published.", "shariahBoard": "no_public_review", "description": "Financing that helps small businesses manage expenses, invest in growth, or fund new opportunities.", "website": "https://www.ndc-mn.org/", "nationwide": false, "stateCount": 1, "states": [ "MN" ], "rating": 4.3, "bestFor": "Small business loans, community focus", "lastVerified": "2026-02", "minAmount": "Contact provider", "maxAmount": "Contact provider" }, { "id": "stearns-bank-commercial-real-estate-financing", "provider": "Stearns Bank", "providerProfileUrl": "https://www.halalwallet.us/providers/stearns-bank", "productName": "Commercial Real Estate Financing", "category": "Business Financing", "categoryHubUrl": "https://www.halalwallet.us/business-financing", "productType": "Commercial Real Estate", "structure": "Varies by product", "shariahOversight": "formal_board", "shariahOversightSummary": "Independent Sharia Supervisory Board reviews products (Mufti Ibrahim Essa + others).\nBoard approved deposit & financing products.", "shariahBoard": "formal_board", "description": "Funding for properties used for business purposes, such as office buildings, retail spaces, and industrial warehouses.", "website": "https://www.stearnsbank.com/about/salaam-banking", "nationwide": false, "stateCount": 1, "states": [ "IL" ], "rating": 4.5, "founded": 1912, "bestFor": "Business financing expertise", "lastVerified": "2026-02", "minAmount": "Contact provider", "maxAmount": "Contact provider" }, { "id": "stearns-bank-construction-financing", "provider": "Stearns Bank", "providerProfileUrl": "https://www.halalwallet.us/providers/stearns-bank", "productName": "Construction Financing", "category": "Business Financing", "categoryHubUrl": "https://www.halalwallet.us/business-financing", "productType": "Construction Financing", "structure": "Varies by product", "shariahOversight": "formal_board", "shariahOversightSummary": "Independent Sharia Supervisory Board reviews products (Mufti Ibrahim Essa + others).\nBoard approved deposit & financing products.", "shariahBoard": "formal_board", "description": "Financing used to build or renovate a property, often released in stages as the project progresses.", "website": "https://www.stearnsbank.com/about/salaam-banking", "nationwide": false, "stateCount": 1, "states": [ "IL" ], "rating": 4.5, "founded": 1912, "bestFor": "Business financing expertise", "lastVerified": "2026-02", "minAmount": "Contact provider", "maxAmount": "Contact provider" }, { "id": "stearns-bank-equipment-financing", "provider": "Stearns Bank", "providerProfileUrl": "https://www.halalwallet.us/providers/stearns-bank", "productName": "Equipment Financing", "category": "Business Financing", "categoryHubUrl": "https://www.halalwallet.us/business-financing", "productType": "Equipment Financing", "structure": "Varies by product", "shariahOversight": "formal_board", "shariahOversightSummary": "Independent Sharia Supervisory Board reviews products (Mufti Ibrahim Essa + others).\nBoard approved deposit & financing products.", "shariahBoard": "formal_board", "description": "Financing used to purchase or lease equipment needed to operate or grow a business.", "website": "https://www.stearnsbank.com/about/salaam-banking", "nationwide": false, "stateCount": 1, "states": [ "IL" ], "rating": 4.5, "founded": 1912, "bestFor": "Business financing expertise", "lastVerified": "2026-02", "minAmount": "Contact provider", "maxAmount": "Contact provider" }, { "id": "stearns-bank-secured-line-of-credit", "provider": "Stearns Bank", "providerProfileUrl": "https://www.halalwallet.us/providers/stearns-bank", "productName": "Secured Line of Credit", "category": "Business Financing", "categoryHubUrl": "https://www.halalwallet.us/business-financing", "productType": "Secured Line of Credit", "structure": "Varies by product", "shariahOversight": "formal_board", "shariahOversightSummary": "Independent Sharia Supervisory Board reviews products (Mufti Ibrahim Essa + others).\nBoard approved deposit & financing products.", "shariahBoard": "formal_board", "description": "A flexible credit option that allows borrowing against pledged assets, giving access to funds when needed.", "website": "https://www.stearnsbank.com/about/salaam-banking", "nationwide": false, "stateCount": 1, "states": [ "IL" ], "rating": 4.5, "founded": 1912, "bestFor": "Business financing expertise", "lastVerified": "2026-02", "minAmount": "Contact provider", "maxAmount": "Contact provider" }, { "id": "university-islamic-financial-corporation-commercial-real-estate-financing", "provider": "UIF", "productName": "Commercial Real Estate Financing", "category": "Business Financing", "categoryHubUrl": "https://www.halalwallet.us/business-financing", "productType": "Commercial Real Estate", "structure": "Musharakah", "structureSlugs": [ "musharakah" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Sharia Supervisory Board chaired by Sheikh Nizam Yaquby.\nBoard reviews/approves UIF programs; fatwas + audits published.", "shariahBoard": "formal_board", "description": "Funding for properties used for business purposes, such as office buildings, retail spaces, and industrial warehouses.", "website": "https://www.myuif.com/commercial/", "nationwide": false, "stateCount": 22, "states": [ "CA", "CO", "CT", "DE", "FL", "GA", "IL", "IN", "KY", "MA", "MD", "MI", "MN", "NC", "NJ", "NY", "OH", "PA", "TX", "VA", "WA", "WI" ], "rating": 4.5, "founded": 2005, "bestFor": "Business real estate", "lastVerified": "2026-02", "minAmount": "$100,000", "maxAmount": "$3,000,000" }, { "id": "university-islamic-financial-corporation-construction-financing", "provider": "UIF", "productName": "Construction Financing", "category": "Business Financing", "categoryHubUrl": "https://www.halalwallet.us/business-financing", "productType": "Construction Financing", "structure": "Musharakah", "structureSlugs": [ "musharakah" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Sharia Supervisory Board chaired by Sheikh Nizam Yaquby.\nBoard reviews/approves UIF programs; fatwas + audits published.", "shariahBoard": "formal_board", "description": "Financing used to build or renovate a property, often released in stages as the project progresses.", "website": "https://www.myuif.com/construction-financing/", "nationwide": false, "stateCount": 4, "states": [ "FL", "GA", "MI", "NC" ], "rating": 4.5, "founded": 2005, "bestFor": "Building & renovation", "lastVerified": "2026-02", "minAmount": "Contact provider", "maxAmount": "Contact provider" }, { "id": "american-halal-foundation-halal-certification", "provider": "American Halal Foundation", "providerProfileUrl": "https://www.halalwallet.us/providers/american-halal-foundation", "productName": "Halal Certification", "category": "Halal Certifications", "structure": "Halal Certification", "shariahBoard": "not_applicable", "description": "A halal certification confirms that a product or process meets Islamic dietary and ethical standards, making it permissible for Muslim consumers.", "website": "https://halalfoundation.org/welcome/?msclkid=e6328b9f8b9b129e4573e3186d4e3a50", "nationwide": true, "stateCount": 50, "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY" ], "rating": 4.3, "bestFor": "Halal certification services", "lastVerified": "2026-02" }, { "id": "islamic-food-and-nutrition-council-of-america-halal-certification", "provider": "Islamic Food and Nutrition Council of America", "providerProfileUrl": "https://www.halalwallet.us/providers/islamic-food-and-nutrition-council-of-america", "productName": "Halal Certification", "category": "Halal Certifications", "structure": "Halal Certification", "shariahBoard": "not_applicable", "description": "A halal certification confirms that a product or process meets Islamic dietary and ethical standards, making it permissible for Muslim consumers.", "website": "https://ifanca.org/certification-process/", "nationwide": true, "stateCount": 50, "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY" ], "rating": 4.3, "bestFor": "Halal certification services", "lastVerified": "2026-02" }, { "id": "islamic-services-of-america-halal-certification", "provider": "Islamic Services of America", "providerProfileUrl": "https://www.halalwallet.us/providers/islamic-services-of-america", "productName": "Halal Certification", "category": "Halal Certifications", "structure": "Halal Certification", "shariahBoard": "not_applicable", "description": "A halal certification confirms that a product or process meets Islamic dietary and ethical standards, making it permissible for Muslim consumers.", "website": "https://www.isahalal.com/services/certification-process", "nationwide": true, "stateCount": 50, "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY" ], "rating": 4.3, "bestFor": "Halal certification services", "lastVerified": "2026-02" }, { "id": "usa-halal-chamber-of-commerce-halal-certification", "provider": "USA Halal Chamber of Commerce", "providerProfileUrl": "https://www.halalwallet.us/providers/usa-halal-chamber-of-commerce", "productName": "Halal Certification", "category": "Halal Certifications", "structure": "Halal Certification", "shariahBoard": "not_applicable", "description": "A halal certification confirms that a product or process meets Islamic dietary and ethical standards, making it permissible for Muslim consumers.", "website": "https://www.ushalalcertification.com/", "nationwide": false, "stateCount": 34, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "FL", "GA", "IL", "IN", "KS", "KY", "LA", "MA", "MI", "MN", "MO", "NC", "ND", "NE", "NH", "OH", "OK", "OR", "PA", "SC", "SD", "TN", "TX", "UT", "VA", "WA", "WI" ], "rating": 4.3, "bestFor": "Halal certification services", "lastVerified": "2026-02" }, { "id": "a-continuous-charity-education-financing", "provider": "A Continuous Charity", "providerProfileUrl": "https://www.halalwallet.us/providers/a-continuous-charity", "productName": "Education Financing", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "structure": "Qard Hasan", "structureSlugs": [ "qard-hasan" ], "shariahOversight": "third_party_certified", "shariahBoard": "Independent", "description": "Financing to pay for education-related costs such as tuition, fees, or supplies.", "website": "https://acceducate.org/apply/", "nationwide": false, "stateCount": 34, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "FL", "GA", "IL", "IN", "KS", "KY", "LA", "MA", "MI", "MN", "MO", "NC", "ND", "NE", "NH", "OH", "OK", "OR", "PA", "SC", "SD", "TN", "TX", "UT", "VA", "WA", "WI" ], "rating": 4.3, "bestFor": "Interest-free education loans", "lastVerified": "2026-02" }, { "id": "ameen-housing-cooperative-home-financing", "provider": "Ameen Housing Cooperative", "providerProfileUrl": "https://www.halalwallet.us/providers/ameen-housing-cooperative", "productName": "Home Financing", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "structure": "Musharakah", "structureSlugs": [ "musharakah" ], "shariahOversight": "third_party_certified", "shariahOversightSummary": "Model evaluated and endorsed by Assembly of Muslim Jurists of America (AMJA).\nOperates as a Sharia-compliant housing co-op.", "shariahBoard": "third_party_certified", "description": "Financing used to buy a home or replace an existing home loan.", "website": "https://www.ameenhousing.com/buy-a-home", "nationwide": false, "stateCount": 1, "states": [ "CA" ], "rating": 4.5, "founded": 1996, "bestFor": "True co-op model, 29 years profitable", "lastVerified": "2026-02", "terms": [ "Various" ], "features": [ "$180M+ assets", "115 profitable quarters", "Since 1996" ] }, { "id": "devon-bank-home-financing", "provider": "Devon Bank", "providerProfileUrl": "https://www.halalwallet.us/providers/devon-bank", "productName": "Home Financing", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "structure": "Murabaha", "structureSlugs": [ "murabaha" ], "shariahOversight": "formal_board", "shariahOversightSummary": "The details of the initial Murabaha and Ijara products were reviewed by the Honorable Mufti Muhammad Nawal-ur-Rahman and the Shariah Supervisory Board of America", "shariahBoard": "formal_board", "description": "Financing used to buy a home or replace an existing home loan.", "website": "https://devonislamic.com/home-purchase/", "nationwide": false, "stateCount": 34, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "FL", "GA", "IL", "IN", "KS", "KY", "LA", "MA", "MI", "MN", "MO", "NC", "ND", "NE", "NH", "OH", "OK", "OR", "PA", "SC", "SD", "TN", "TX", "UT", "VA", "WA", "WI" ], "rating": 4.5, "founded": 2003, "bestFor": "Midwest buyers, Chicago-based", "lastVerified": "2026-02", "terms": [ "Various" ], "features": [ "Since 2003", "Commercial available" ] }, { "id": "guidance-residential-home-financing", "provider": "Guidance Residential", "providerProfileUrl": "https://www.halalwallet.us/providers/guidance-residential", "productName": "Home Financing (Purchase & Refinance)", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "structure": "Musharakah", "structureSlugs": [ "musharakah" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Independent Shariah board comprised of distinguished Shariah scholars, many of whom serve or have served as members of the Accounting and Auditing Organization for Islamic Financial Institutions.", "shariahBoard": "formal_board", "description": "Halal home financing for purchases and refinancing. Guidance is the largest halal refinancer in the U.S. with over $2 billion refinanced in the last 5 years.", "website": "https://www.guidanceresidential.com/my/pre-qualify/apply-now?referral=GR_halalwallet_partner_2026", "nationwide": false, "stateCount": 35, "states": [ "AL", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "IL", "IA", "IN", "KS", "KY", "MD", "MA", "MI", "MN", "MS", "MO", "NJ", "NY", "NC", "OH", "OR", "PA", "RI", "SC", "TN", "TX", "VT", "VA", "WA", "WV", "WI" ], "rating": 5, "founded": 2002, "bestFor": "First-time homebuyers & refinancing", "lastVerified": "2026-02", "terms": [ "15 years", "20 years", "30 years" ], "features": [ "No prepayment penalty", "Competitive rates" ] }, { "id": "ijara-community-development-auto-financing", "provider": "Ijara Community Development", "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development", "productName": "Auto Financing", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "structure": "Ijara", "structureSlugs": [ "ijara" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon.\nShaykh Mufti Mohammed-Umer Esmail serves as advisor.", "shariahBoard": "formal_board", "description": "Convert an existing conventional auto loan into a Shariah-compliant Ijara (lease-to-own) structure. Available in all 50 states. Full auto purchase financing is in development. Trust-based structure — payments go to Ijara via ACH.", "website": "https://form.jotform.com/261095455011450", "nationwide": true, "stateCount": 50, "states": [ "All 50 states" ], "rating": 5, "founded": 2005, "bestFor": "Auto loan conversion/refinance only (full financing coming soon)", "vehicleTypes": [ "New", "Used", "Refinance" ], "minDownPayment": "Contact for details", "maxLoanAmount": "Contact for details", "termOptions": [ "Custom terms" ], "minCreditScore": "No minimum (no credit check required)", "verifiedProgramFacts": { "minCreditScore": 580, "creditScoreNote": "580+", "timeToClose": "~10 days from accepted purchase agreement (30+ days longer for construction)", "majorDisqualifiers": "Mortgage or housing lates in the past 12 months. Other negative credit factors can potentially be worked through.", "applicationFee": "$0", "lenderFeesAtClosing": "Up to $1,995", "closingCostRange": "Varies by state", "prepaymentPenalty": "Generally none (some specialty programs may carry one)", "extraPrincipalHandling": "Applied directly to the balance due, reducing total transaction time. Recasting of the payment is possible with a large principal payment.", "propertyEligibility": { "condos": true, "manufacturedHomes": true, "mobileHomes": "Allowed only if the property is owned, or the land lease is longer than the loan term", "mixedUseResidential": true }, "servicing": { "onlinePaymentPortal": true, "onlinePaymentPortalNote": "Serviced through Ijara's online portal", "autopayACH": true, "paymentMethodsNote": "ACH is the only payment option" } }, "verifiedFactsBy": "Ijara CDC (provider-supplied)", "verifiedFactsAt": "2026-06-30" }, { "id": "ijara-community-development-home-financing", "provider": "Ijara Community Development", "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development", "productName": "Home Financing", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "structure": "Ijara", "structureSlugs": [ "ijara" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon.\nShaykh Mufti Mohammed-Umer Esmail serves as advisor.", "shariahBoard": "formal_board", "description": "Sharia-compliant home financing using a trust-based lease-to-purchase (Ijara) structure. Property is placed in a grantor trust with the buyer as trustee and beneficiary. 100+ residential funding partners. Owner-occupied from ~3.5% down ($50K–$2M, up to 30 years). Investment properties from ~20–25% down. No/low credit programs available.", "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 5, "founded": 2005, "bestFor": "No/low credit options", "lastVerified": "2026-02", "minDownPayment": "~3.5% (owner-occupied); ~20–25% (investment)", "terms": [ "Up to 30 years" ], "features": [ "All 50 states", "No/low credit programs available", "100+ residential funding partners", "Trust-based Ijara (lease-to-purchase) structure", "Property types: single-family, duplexes, triplexes, fourplexes, investment 1–4 units", "Renovation/construction financing available (terms vary)", "Early/extra payments allowed at any time", "Payments to Islamic organization (Ijara) via ACH — not to a conventional bank" ], "minAmount": "$50,000", "maxAmount": "$2,000,000", "verifiedProgramFacts": { "minCreditScore": 580, "creditScoreNote": "580+", "timeToClose": "~10 days from accepted purchase agreement (30+ days longer for construction)", "majorDisqualifiers": "Mortgage or housing lates in the past 12 months. Other negative credit factors can potentially be worked through.", "applicationFee": "$0", "lenderFeesAtClosing": "Up to $1,995", "closingCostRange": "Varies by state", "prepaymentPenalty": "Generally none (some specialty programs may carry one)", "extraPrincipalHandling": "Applied directly to the balance due, reducing total transaction time. Recasting of the payment is possible with a large principal payment.", "propertyEligibility": { "condos": true, "manufacturedHomes": true, "mobileHomes": "Allowed only if the property is owned, or the land lease is longer than the loan term", "mixedUseResidential": true }, "servicing": { "onlinePaymentPortal": true, "onlinePaymentPortalNote": "Serviced through Ijara's online portal", "autopayACH": true, "paymentMethodsNote": "ACH is the only payment option" } }, "verifiedFactsBy": "Ijara CDC (provider-supplied)", "verifiedFactsAt": "2026-06-30" }, { "id": "ijara-community-development-investor-financing", "provider": "Ijara Community Development", "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development", "productName": "Real Estate Investor Financing", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "productType": "Investment Property", "structure": "Ijara", "structureSlugs": [ "ijara" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.", "shariahBoard": "formal_board", "description": "Financing for residential-zoned rental properties and investor portfolios (1–4 units per property). ~20–25% down, up to 10 properties per investor, portfolio financing possible. Trust-based Ijara (lease-to-purchase) structure through 100+ residential funding partners.", "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 5, "founded": 2005, "bestFor": "Real estate investors seeking halal rental property financing", "minDownPayment": "~20–25%", "features": [ "All 50 states", "100+ residential funding partners", "1–4 units per property", "Up to 10 properties per investor", "Portfolio financing possible", "Trust-based Ijara (lease-to-purchase) structure" ], "verifiedProgramFacts": { "minCreditScore": 580, "creditScoreNote": "580+", "timeToClose": "~10 days from accepted purchase agreement (30+ days longer for construction)", "majorDisqualifiers": "Mortgage or housing lates in the past 12 months. Other negative credit factors can potentially be worked through.", "applicationFee": "$0", "lenderFeesAtClosing": "Up to $1,995", "closingCostRange": "Varies by state", "prepaymentPenalty": "Generally none (some specialty programs may carry one)", "extraPrincipalHandling": "Applied directly to the balance due, reducing total transaction time. Recasting of the payment is possible with a large principal payment.", "propertyEligibility": { "condos": true, "manufacturedHomes": true, "mobileHomes": "Allowed only if the property is owned, or the land lease is longer than the loan term", "mixedUseResidential": true }, "servicing": { "onlinePaymentPortal": true, "onlinePaymentPortalNote": "Serviced through Ijara's online portal", "autopayACH": true, "paymentMethodsNote": "ACH is the only payment option" } }, "verifiedFactsBy": "Ijara CDC (provider-supplied)", "verifiedFactsAt": "2026-06-30" }, { "id": "jafari-credit-union-auto-financing", "provider": "Jafari Credit Union", "providerProfileUrl": "https://www.halalwallet.us/providers/jafari-credit-union", "productName": "Auto Financing", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "structure": "Qard Hasan", "structureSlugs": [ "qard-hasan" ], "shariahOversight": "no_public_review", "shariahOversightSummary": "No formal Shariah board or fatwa published on site.\nOperates as a no-interest credit union model.", "shariahBoard": "no_public_review", "description": "Interest-free auto loan refinancing using Qard Hasan model. Texas-based credit union.", "website": "https://www.jafaricu.com/", "nationwide": false, "stateCount": 1, "states": [ "TX" ], "rating": 4.3, "founded": 2016, "bestFor": "Interest-free auto refinancing in Texas", "vehicleTypes": [ "Used (Refinance)" ], "maxLoanAmount": "$35,000", "termOptions": [ "Custom terms" ] }, { "id": "jafari-credit-union-expense-financing", "provider": "Jafari Credit Union", "providerProfileUrl": "https://www.halalwallet.us/providers/jafari-credit-union", "productName": "Expense Financing", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "structure": "Qard Hasan", "structureSlugs": [ "qard-hasan" ], "shariahOversight": "no_public_review", "shariahOversightSummary": "No formal Shariah board or fatwa published on site.\nOperates as a no-interest credit union model.", "shariahBoard": "no_public_review", "description": "Financing to help manage short-term or unexpected expenses.", "website": "https://www.jafaricu.com/#services", "nationwide": false, "stateCount": 1, "states": [ "TX" ], "rating": 5, "founded": 2016, "bestFor": "True 0% interest, NCUA insured", "lastVerified": "2026-02", "terms": [ "Up to 5 years" ], "features": [ "NCUA insured", "Qard Hasan model", "Up to $35K" ] }, { "id": "jafari-credit-union-loan-refinancing", "provider": "Jafari Credit Union", "providerProfileUrl": "https://www.halalwallet.us/providers/jafari-credit-union", "productName": "Loan Refinancing", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "structure": "Qard Hasan", "structureSlugs": [ "qard-hasan" ], "shariahOversight": "no_public_review", "shariahOversightSummary": "No formal Shariah board or fatwa published on site.\nOperates as a no-interest credit union model.", "shariahBoard": "no_public_review", "description": "Financing that replaces an existing loan with a new one, often to change the structure or terms.", "website": "https://www.jafaricu.com/#services", "nationwide": false, "stateCount": 1, "states": [ "TX" ], "rating": 5, "founded": 2016, "bestFor": "True 0% interest, NCUA insured", "lastVerified": "2026-02", "terms": [ "Up to 5 years" ], "features": [ "NCUA insured", "Qard Hasan model", "Up to $35K" ] }, { "id": "jafari-credit-union-personal-loan", "provider": "Jafari Credit Union", "providerProfileUrl": "https://www.halalwallet.us/providers/jafari-credit-union", "productName": "Personal Loan", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "structure": "Qard Hasan", "structureSlugs": [ "qard-hasan" ], "shariahOversight": "no_public_review", "shariahOversightSummary": "No formal Shariah board or fatwa published on site.\nOperates as a no-interest credit union model.", "shariahBoard": "no_public_review", "description": "Financing that provides money to cover personal needs or goals.", "website": "https://www.jafaricu.com/#services", "nationwide": false, "stateCount": 1, "states": [ "TX" ], "rating": 5, "founded": 2016, "bestFor": "True 0% interest, NCUA insured", "lastVerified": "2026-02", "terms": [ "Up to 5 years" ], "features": [ "NCUA insured", "Qard Hasan model", "Up to $35K" ] }, { "id": "lariba-american-finance-house-auto-financing", "provider": "LARIBA American Finance House", "providerProfileUrl": "https://www.halalwallet.us/providers/lariba-american-finance-house", "productName": "Auto Financing", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "structure": "Musharakah", "structureSlugs": [ "musharakah" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Model reviewed by Al-Baraka scholars (1990/1994) and Darul Hikmah (2012).\nInternal Shariah supervision.", "shariahBoard": "formal_board", "description": "Full halal auto financing for new and used vehicle purchases using riba-free Amana Trust-based model. Pioneer in Islamic finance since 1987.", "website": "https://www.myuif.com/lariba/", "nationwide": false, "stateCount": 4, "states": [ "TX", "IL", "OH", "MI" ], "rating": 4.5, "founded": 1987, "bestFor": "Full auto financing — new & used, 35+ year track record", "lastVerified": "2026-02", "vehicleTypes": [ "New", "Used" ], "minDownPayment": "20%", "maxLoanAmount": "$150,000", "termOptions": [ "24 months", "36 months", "48 months", "60 months" ], "minCreditScore": "650+", "terms": [ "Various" ], "features": [ "Jumbo financing", "Full-service bank", "Since 1987" ] }, { "id": "lariba-american-finance-house-home-financing", "provider": "LARIBA American Finance House", "providerProfileUrl": "https://www.halalwallet.us/providers/lariba-american-finance-house", "productName": "Home Financing", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "structure": "Musharakah", "structureSlugs": [ "musharakah" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Model reviewed by Al-Baraka scholars (1990/1994) and Darul Hikmah (2012).\nInternal Shariah supervision.", "shariahBoard": "formal_board", "description": "Financing used to buy a home or replace an existing home loan.", "website": "https://www.myuif.com/lariba/", "nationwide": false, "stateCount": 27, "states": [ "ME", "TX", "CA", "AZ", "OR", "WA", "CO", "KS", "OK", "MN", "IA", "WI", "MI", "IN", "OH", "KY", "TN", "AL", "GA", "FL", "SC", "NC", "NJ", "DE", "MD", "CT", "MA" ], "rating": 4.5, "founded": 1987, "bestFor": "35+ year track record, full-service RF banking", "lastVerified": "2026-02", "terms": [ "Various" ], "features": [ "Jumbo financing", "Full-service bank", "Since 1987" ] }, { "id": "luminate-bank-home-financing", "provider": "Luminate Bank", "providerProfileUrl": "https://www.halalwallet.us/providers/luminate-bank", "productName": "Home Financing (Purchase & Refinance)", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "structure": "Ijara (Trust-Based)", "structureSlugs": [ "ijara" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Financing structured through Ijara trust. Compliance details pending provider review.", "shariahBoard": "formal_board", "description": "Sharia-compliant home financing structured through an Ijara (lease-to-own) Inter Vivos Revocable Trust using FHA, Conventional, and VA loan programs. Available for purchase and refinance (including cash-out). Covers primary residences, second homes, and investment properties (1–4 unit residential, SFR, FNMA/FHA/VA approved condos and PUDs). 0% down for Veterans (VA), 3% down Conventional, 3.5% down FHA. Maximum $832,750 Conventional in most areas. Typical 30–45 day closing. Fixed rate and hybrid ARM options available. Trust set up through Ijara CDC; payments after closing administered by Ijara. No prepayment penalties. Led by Hudson Murphy, a top 1% ranked loan originator nationwide. NMLS#1281698.", "website": "https://www.hudsonmurphy.com/halal-financing", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "founded": 2000, "bestFor": "Excellent customer service, first-time homebuyers", "minDownPayment": "0% (VA), 3% (Conventional), 3.5% (FHA)", "minCreditScore": "580+ FHA, 600+ VA, 620+ Conventional", "terms": [ "30-year fixed", "15-year fixed", "Hybrid ARMs (5/1+)" ], "features": [ "Nationwide — all 50 states", "0% down for Veterans (VA loan)", "3% down Conventional, 3.5% down FHA", "Max $832,750 Conventional (most areas)", "Purchase, refinance, and cash-out refinance", "Primary, second homes, and investment 1–4 units", "SFR, condos, and PUDs (Fannie Mae/FHA/VA eligible)", "Fixed rate and hybrid ARM options (5/1+)", "HomeReady, HomePossible, and My Community Programs", "Pre-qualification and pre-approval available", "30–45 day closing timeline", "No prepayment penalties", "Extra payments applied toward ownership/equity", "All loan costs at closing (except appraisal upfront)", "Ijara trust fee scales with loan size ($1,295–$6,295) + $15/mo admin", "Inter Vivos Revocable Trust — buyer is Grantor & Trustee", "Payments after closing through Ijara via ACH", "Led by Hudson Murphy — top 1% loan originator, NMLS#1281698", "580+ credit score (FHA), 600+ (VA), 620+ (Conventional)" ], "maxAmount": "$832,750" }, { "id": "manzil-home-financing", "provider": "Manzil", "providerProfileUrl": "https://www.halalwallet.us/providers/manzil", "productName": "Home Financing", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "shariahOversight": "formal_board", "shariahOversightSummary": "Manzil’s products are reviewed by both an in-house Shariah Supervisory Board and external scholars, and they state they adhere to AAOIFI standards to ensure all financing and investment offerings remain halal.", "shariahBoard": "Formal Board", "description": "COMING SOON: Financing used to buy a home or replace an existing home loan.", "website": "https://www.manzil.us/halal-mortgage", "nationwide": false, "stateCount": 0, "rating": 4, "founded": 2019, "bestFor": "Digital-first experience", "lastVerified": "2026-02" }, { "id": "northcountry-federal-credit-union-personal-loan", "provider": "NorthCountry Federal Credit Union", "providerProfileUrl": "https://www.halalwallet.us/providers/northcountry-federal-credit-union", "productName": "Personal Loan", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "structure": "Credit Union", "shariahOversight": "no_public_review", "shariahOversightSummary": "Offers a halal-loan program developed with Islamic Society of Vermont.\nNo formal Shariah board or fatwa text published on site.", "shariahBoard": "no_public_review", "description": "Financing that provides money to cover personal needs or goals.", "website": "https://www.northcountry.org/resources/partners/halal-loan", "nationwide": false, "stateCount": 3, "states": [ "NH", "NY", "VT" ], "rating": 4.3, "bestFor": "Credit union personal loans", "lastVerified": "2026-02" }, { "id": "qard-hasan-foundation-education-financing", "provider": "Qard Hasan Foundation", "providerProfileUrl": "https://www.halalwallet.us/providers/qard-hasan-foundation", "productName": "Education Financing", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "structure": "Qard Hasan", "structureSlugs": [ "qard-hasan" ], "shariahOversight": "no_public_review", "shariahBoard": "Qard Hasan", "description": "Financing to pay for education-related costs such as tuition, fees, or supplies.", "website": "https://qardhasanfoundation.org/applying-for-a-loan/#", "nationwide": false, "stateCount": 1, "states": [ "TX" ], "rating": 4.5, "bestFor": "True 0% education financing", "lastVerified": "2026-02" }, { "id": "university-islamic-financial-corporation-auto-financing", "provider": "UIF", "productName": "Auto Financing", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "structure": "Musharakah", "structureSlugs": [ "musharakah" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Sharia Supervisory Board chaired by Sheikh Nizam Yaquby.\nBoard reviews/approves UIF programs; fatwas + audits published.", "shariahBoard": "formal_board", "description": "Full halal auto financing for new and used vehicle purchases using Musharakah (diminishing co-ownership) structure.", "website": "https://www.myuif.com/vehicle-financing/", "nationwide": false, "stateCount": 4, "states": [ "IL", "MI", "OH", "TX" ], "rating": 4.5, "founded": 2005, "bestFor": "Full auto financing — new & used vehicles (MI, IL, OH, TX)", "lastVerified": "2026-02", "vehicleTypes": [ "New", "Used" ], "minDownPayment": "5% or 10%", "maxLoanAmount": "$100,000", "termOptions": [ "24 months", "36 months", "48 months", "60 months", "72 months" ], "minCreditScore": "620+", "terms": [ "10 years", "15 years", "20 years", "30 years" ], "features": [ "No prepayment penalty", "30-day closing" ] }, { "id": "university-islamic-financial-corporation-home-financing", "provider": "UIF", "productName": "Home Financing", "category": "Home & Personal Financing", "categoryHubUrl": "https://www.halalwallet.us/home-financing", "structure": "Musharakah", "structureSlugs": [ "musharakah" ], "shariahOversight": "formal_board", "shariahOversightSummary": "Sharia Supervisory Board chaired by Sheikh Nizam Yaquby.\nBoard reviews/approves UIF programs; fatwas + audits published.", "shariahBoard": "formal_board", "description": "Financing used to buy a home or replace an existing home loan.", "website": "https://www.myuif.com/home-financing/", "nationwide": false, "stateCount": 32, "states": [ "AL", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "IA", "IL", "IN", "KS", "KY", "MA", "MD", "ME", "MI", "MN", "MO", "NC", "NJ", "NY", "OH", "OK", "OR", "PA", "SC", "TN", "TX", "VA", "WA", "WI" ], "rating": 4.5, "founded": 2005, "bestFor": "Home purchases & refinancing", "lastVerified": "2026-02", "terms": [ "10 years", "15 years", "20 years", "30 years" ], "features": [ "No prepayment penalty", "30-day closing" ] }, { "id": "goosehead-insurance-auto", "provider": "Goosehead Insurance", "providerProfileUrl": "https://www.halalwallet.us/providers/goosehead-insurance", "productName": "Auto Insurance", "category": "Insurance", "categoryHubUrl": "https://www.halalwallet.us/insurance", "productType": "Auto Insurance", "structure": "Insurance Broker", "description": "By comparing multiple car insurance companies, Goosehead helps drive your rates lower with coverage from top carriers.", "website": "https://quotes.goosehead.com/address-details", "nationwide": true, "stateCount": 50, "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY" ], "features": [ "Multi-carrier comparison" ] }, { "id": "goosehead-insurance-home", "provider": "Goosehead Insurance", "providerProfileUrl": "https://www.halalwallet.us/providers/goosehead-insurance", "productName": "Home Insurance", "category": "Insurance", "categoryHubUrl": "https://www.halalwallet.us/insurance", "productType": "Home Insurance", "structure": "Insurance Broker", "description": "Compare home insurance policies from dozens of top providers. 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"WV", "NH", "HI", "MN", "MS", "VA", "NV", "MI", "NJ", "IL", "CA", "MA", "DE", "AR", "UT" ], "rating": 5, "bestFor": "Lowest-cost halal ETF with broad US exposure", "ticker": "MNZL", "expenseRatio": "0.40%", "aum": "$50M", "screeningMethod": "Russell Halal USA Index", "accountTypes": [ "Individual", "IRA", "Roth IRA" ] }, { "id": "manzil-wealth-management", "provider": "Manzil", "providerProfileUrl": "https://www.halalwallet.us/providers/manzil", "productName": "Wealth Management", "category": "Investing", "categoryHubUrl": "https://www.halalwallet.us/investing", "productType": "Investment Platform", "shariahOversight": "formal_board", "shariahOversightSummary": "Manzil’s products are reviewed by both an in-house Shariah Supervisory Board and external scholars, and they state they adhere to AAOIFI standards to ensure all financing and investment offerings remain halal.", "shariahBoard": "Formal Board", "description": "COMING SOON: Let the Manzil Invest certified professionals manage and rebalance your portfolio while navigating changing markets", "website": "https://www.manzil.us/halal-invest", "nationwide": false, "stateCount": 0, "rating": 5, "founded": 2019, "bestFor": "Canadian/US halal portfolio management", "lastVerified": "2026-02" }, { "id": "musaffa-halal-etf-finder", "provider": "Musaffa", "providerProfileUrl": "https://www.halalwallet.us/providers/musaffa", "productName": "Halal ETF Finder", "category": "Investing", "categoryHubUrl": "https://www.halalwallet.us/investing", "productType": "Stock Screener", "structure": "ETF Screener", "shariahOversight": "formal_board", "shariahOversightSummary": "Shariah advisors include Shaikh Dr. Aznan Hasan and Mufti Faraz Adam.\nBoard continuously monitors compliance methodology.", "shariahBoard": "formal_board", "description": "Search and compare halal ETFs screened for Shariah compliance using Musaffa's proprietary methodology.", "website": "https://musaffa.com/etf-screener", "nationwide": true, "stateCount": 50, "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY" ], "rating": 4.5 }, { "id": "musaffa-sharia-compliance-stock-screening", "provider": "Musaffa", "providerProfileUrl": "https://www.halalwallet.us/providers/musaffa", "productName": "Musaffa Halal Stock Screener", "category": "Investing", "categoryHubUrl": "https://www.halalwallet.us/investing", "productType": "Stock Screener", "structure": "Stock Screener", "shariahOversight": "formal_board", "shariahOversightSummary": "Shariah advisors include Shaikh Dr. Aznan Hasan and Mufti Faraz Adam.\nBoard continuously monitors compliance methodology.", "shariahBoard": "formal_board", "description": "The go-to platform for Shariah-compliant investment research", "website": "https://musaffa.com/stock-screener?page=1&country=US", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 4.3, "founded": 2020, "bestFor": "Comprehensive halal stock research", "lastVerified": "2026-02", "screeningMethod": "AAOIFI standards", "accountTypes": [ "Individual", "IRA", "Roth IRA" ] }, { "id": "shariaportfolio-wealth-management-1", "provider": "ShariaPortfolio", "providerProfileUrl": "https://www.halalwallet.us/providers/shariaportfolio", "productName": "ShariaPortfolio Express", "category": "Investing", "categoryHubUrl": "https://www.halalwallet.us/investing", "productType": "Investment Platform", "structure": "Wealth Management", "shariahOversight": "named_scholar", "shariahOversightSummary": "Sharia Advisor: Shaykh Umer Khan.\nAAOIFI-aligned screening methodology used.", "shariahBoard": "named_scholar", "description": "An online system for clients with $1,000 or more who prefer an digital solution, with investment models developed by experienced money managers", "website": "https://shariaportfolio.com/services/express/", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 4.3, "founded": 2013, "bestFor": "Quick-start halal investment portfolios", "lastVerified": "2026-02", "minInvestment": "$1,000", "screeningMethod": "AAOIFI standards", "accountTypes": [ "Individual", "IRA", "Roth IRA" ] }, { "id": "shariaportfolio-institutional-wealth-management", "provider": "ShariaPortfolio", "providerProfileUrl": "https://www.halalwallet.us/providers/shariaportfolio", "productName": "ShariaPortfolio Institutional", "category": "Investing", "categoryHubUrl": "https://www.halalwallet.us/investing", "productType": "Investment Platform", "structure": "Wealth Management", "shariahOversight": "named_scholar", "shariahOversightSummary": "Sharia Advisor: Shaykh Umer Khan.\nAAOIFI-aligned screening methodology used.", "shariahBoard": "named_scholar", "description": "Institutional services to financial advisors wishing to provide their clients with Sharia-compliant investment solutions", "website": "https://shariaportfolio.com/services/institutional/#institutional", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 4.3, "founded": 2013, "bestFor": "Employers setting up halal 401(k) plans", "lastVerified": "2026-02", "screeningMethod": "AAOIFI standards", "accountTypes": [ "Individual", "IRA", "Roth IRA" ] }, { "id": "shariaportfolio-wealth-management", "provider": "ShariaPortfolio", "providerProfileUrl": "https://www.halalwallet.us/providers/shariaportfolio", "productName": "Wealth Management", "category": "Investing", "categoryHubUrl": "https://www.halalwallet.us/investing", "productType": "Investment Platform", "shariahOversight": "named_scholar", "shariahOversightSummary": "ShariaPortfolio manages all investments in accordance with AAOIFI’s Shariah standards, ensuring every portfolio aligns with halal principles and excluding interest-based or prohibited income sources.", "shariahBoard": "Third Party Certified", "description": "For clients seeking comprehensive wealth management services who have $100,000 or more to invest", "website": "https://shariaportfolio.com/services/access/", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 4.3, "founded": 2013, "bestFor": "Self-directed halal wealth management", "lastVerified": "2026-02", "minInvestment": "$100,000", "screeningMethod": "AAOIFI standards", "accountTypes": [ "Individual", "IRA", "Roth IRA" ] }, { "id": "spfunds-etf-3", "provider": "SPFunds", "providerProfileUrl": "https://www.halalwallet.us/providers/spfunds", "productName": "SP Funds Dow Jones Global Sukuk ETF", "category": "Investing", "categoryHubUrl": "https://www.halalwallet.us/investing", "productType": "ETF", "structure": "Index-based", "shariahOversight": "third_party_certified", "shariahOversightSummary": "Sharia compliance overseen by Raqaba LLC as Sharia Advisor.\nAdvises on AAOIFI/Islamic standards; annual audits.", "shariahBoard": "third_party_certified", "description": "Diversify your fixed income exposure with sukuks, Islamic financial certificates", "website": "https://www.sp-funds.com/spsk/", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 4.5, "founded": 2019, "bestFor": "Fixed-income diversification via sukuk", "lastVerified": "2026-02", "ticker": "SPSK", "expenseRatio": "0.55%", "aum": "$0.5B", "screeningMethod": "Dow Jones Sukuk Total Return Index", "accountTypes": [ "Individual", "IRA", "Roth IRA" ] }, { "id": "spfunds-etf-1", "provider": "SPFunds", "providerProfileUrl": "https://www.halalwallet.us/providers/spfunds", "productName": "SP Funds S&P 500 Shariah Industry Exclusions ETF", "category": "Investing", "categoryHubUrl": "https://www.halalwallet.us/investing", "productType": "ETF", "structure": "Index-based", "shariahOversight": "third_party_certified", "shariahOversightSummary": "Sharia compliance overseen by Raqaba LLC as Sharia Advisor.\nAdvises on AAOIFI/Islamic standards; annual audits.", "shariahBoard": "third_party_certified", "description": "Gain value-conscious exposure to an S&P 500 ETF composed to Sharia guidelines", "website": "https://www.sp-funds.com/spus/", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 4.5, "founded": 2019, "bestFor": "Low-cost passive halal index exposure", "lastVerified": "2026-02", "ticker": "SPUS", "expenseRatio": "0.45%", "aum": "$2.1B", "screeningMethod": "S&P 500 Shariah screening", "accountTypes": [ "Individual", "IRA", "Roth IRA" ], "verdict": { "slug": "spus-etf", "entityName": "SP Funds S&P 500 Sharia ETF (SPUS)", "verdict": "halal", "summary": "SPUS is Shariah-compliant by design. It tracks a Shariah-screened version of the S&P 500 — holding the constituents that pass sector and AAOIFI financial-ratio screens (around 200+ companies), weighted by market cap — under the supervision of a Shariah board. It is the closest thing to a 'halal S&P 500'. As with any screened fund, a small residual amount of non-compliant income remains, which the fund discloses as a purification ratio (recently ~2% of dividends) for investors to donate.", "url": "https://www.halalwallet.us/is-it-halal/spus-etf", "lastReviewed": "2026-06-15" } }, { "id": "spfunds-etf", "provider": "SPFunds", "providerProfileUrl": "https://www.halalwallet.us/providers/spfunds", "productName": "SP Funds S&P Global REIT Shariah ETF", "category": "Investing", "categoryHubUrl": "https://www.halalwallet.us/investing", "productType": "ETF", "structure": "Index-based", "shariahOversight": "third_party_certified", "shariahOversightSummary": "Sharia compliance overseen by Raqaba LLC as Sharia Advisor.\nAdvises on AAOIFI/Islamic standards; annual audits.", "shariahBoard": "third_party_certified", "description": "Provides value exposure to real estate asset class through Sharia-compliant REITs", "website": "https://www.sp-funds.com/spre/", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 4.5, "founded": 2019, "bestFor": "Shariah-compliant real estate exposure", "lastVerified": "2026-02", "ticker": "SPRE", "expenseRatio": "0.55%", "aum": "$0.2B", "screeningMethod": "S&P Global REIT Shariah screening", "accountTypes": [ "Individual", "IRA", "Roth IRA" ] }, { "id": "spfunds-etf-2", "provider": "SPFunds", "providerProfileUrl": "https://www.halalwallet.us/providers/spfunds", "productName": "SP Funds S&P Global Technology ETF", "category": "Investing", "categoryHubUrl": "https://www.halalwallet.us/investing", "productType": "ETF", "structure": "Index-based", "shariahOversight": "third_party_certified", "shariahOversightSummary": "Sharia compliance overseen by Raqaba LLC as Sharia Advisor.\nAdvises on AAOIFI/Islamic standards; annual audits.", "shariahBoard": "third_party_certified", "description": "Provides exposure to global technology companies through large and mid-cap stocks", "website": "https://www.sp-funds.com/spte/", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 4.5, "founded": 2019, "bestFor": "Halal technology sector exposure", "lastVerified": "2026-02", "ticker": "SPTE", "expenseRatio": "0.55%", "aum": "$0.1B", "screeningMethod": "S&P Global Technology Shariah screening", "accountTypes": [ "Individual", "IRA", "Roth IRA" ] }, { "id": "spfunds-etf-4", "provider": "SPFunds", "providerProfileUrl": "https://www.halalwallet.us/providers/spfunds", "productName": "SP Funds S&P World ETF", "category": "Investing", "categoryHubUrl": "https://www.halalwallet.us/investing", "productType": "ETF", "structure": "Index-based", "shariahOversight": "third_party_certified", "shariahOversightSummary": "Sharia compliance overseen by Raqaba LLC as Sharia Advisor.\nAdvises on AAOIFI/Islamic standards; annual audits.", "shariahBoard": "third_party_certified", "description": "Provides exposure to a broad range of international developed and emerging market companies", "website": "https://www.sp-funds.com/spwo/", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 4.5, "founded": 2019, "bestFor": "Broadest global halal equity exposure", "lastVerified": "2026-02", "ticker": "SPWO", "expenseRatio": "0.55%", "aum": "$0.1B", "screeningMethod": "S&P World Shariah screening", "accountTypes": [ "Individual", "IRA", "Roth IRA" ] }, { "id": "wahed-invest-etf-1", "provider": "Wahed Invest", "providerProfileUrl": "https://www.halalwallet.us/providers/wahed-invest", "productName": "Wahed Dow Jones Islamic World ETF", "category": "Investing", "categoryHubUrl": "https://www.halalwallet.us/investing", "productType": "ETF", "structure": "Index-based", "shariahOversight": "third_party_certified", "shariahOversightSummary": "Certified by Shariyah Review Bureau (SRB) (2024).\nSigned by Dr. Aznan Hasan (SRB).", "shariahBoard": "third_party_certified", "description": "Exposure to Shariah-compliant international (non-US) equities across developed and emerging markets", "website": "https://www.wahed.com/umma", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 4.5, "founded": 2015, "bestFor": "International (non-US) halal equity exposure", "lastVerified": "2026-02", "ticker": "UMMA", "expenseRatio": "0.65%", "aum": "$0.2B", "screeningMethod": "Dow Jones Islamic World Index", "accountTypes": [ "Individual", "IRA", "Roth IRA" ] }, { "id": "wahed-invest-etf", "provider": "Wahed Invest", "providerProfileUrl": "https://www.halalwallet.us/providers/wahed-invest", "productName": "Wahed FTSE USA Shariah ETF", "category": "Investing", "categoryHubUrl": "https://www.halalwallet.us/investing", "productType": "ETF", "structure": "Index-based", "shariahOversight": "third_party_certified", "shariahOversightSummary": "Certified by Shariyah Review Bureau (SRB) (2024).\nSigned by Dr. Aznan Hasan (SRB).", "shariahBoard": "third_party_certified", "description": "Get passive index exposure to US Shariah-compliant stocks", "website": "https://www.wahed.com/hlal", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 4.5, "founded": 2015, "bestFor": "US halal equity with strong brand recognition", "lastVerified": "2026-02", "ticker": "HLAL", "expenseRatio": "0.50%", "aum": "$752M", "screeningMethod": "FTSE Shariah Index", "accountTypes": [ "Individual", "IRA", "Roth IRA" ], "verdict": { "slug": "hlal-etf", "entityName": "Wahed FTSE USA Shariah ETF (HLAL)", "verdict": "halal", "summary": "HLAL is Shariah-compliant by design. Managed by Wahed, it tracks the FTSE USA Shariah Index — a screened, broad U.S. large/mid-cap basket (~200+ holdings) that removes impermissible sectors and companies breaching the financial-ratio limits — under Wahed's Shariah supervisory board. It is heavily technology-weighted and is one of the two default halal U.S. equity ETFs alongside SPUS. A published purification ratio handles the small residual non-compliant income.", "url": "https://www.halalwallet.us/is-it-halal/hlal-etf", "lastReviewed": "2026-06-15" } }, { "id": "wahed-invest-wealth-management", "provider": "Wahed Invest", "providerProfileUrl": "https://www.halalwallet.us/providers/wahed-invest", "productName": "Wahed Invest Robo-Advisor", "category": "Investing", "categoryHubUrl": "https://www.halalwallet.us/investing", "productType": "Investment Platform", "structure": "Robo-Advisor", "shariahOversight": "third_party_certified", "shariahOversightSummary": "Certified by Shariyah Review Bureau (SRB) (2024).\nSigned by Dr. Aznan Hasan (SRB).", "shariahBoard": "third_party_certified", "description": "Craft an investment portfolio designed to align with your values and help you achieve your goals", "website": "https://www.wahed.com/investing", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 4.5, "founded": 2015, "bestFor": "Hands-off investors who want automation", "lastVerified": "2026-02", "screeningMethod": "AAOIFI standards", "accountTypes": [ "Individual", "IRA", "Roth IRA" ] }, { "id": "zoya-brokerage-account-integration", "provider": "Zoya", "providerProfileUrl": "https://www.halalwallet.us/providers/zoya", "productName": "Zoya Brokerage Integration", "category": "Investing", "categoryHubUrl": "https://www.halalwallet.us/investing", "productType": "Brokerage", "structure": "Stock Screener", "shariahOversight": "named_scholar", "shariahOversightSummary": "Shariah Advisors: Sheikh Joe Bradford & Sheikh Umer Khan.\nOversee screening methodology.", "shariahBoard": "named_scholar", "description": "Link your existing brokerage account to monitor your current holdings within Zoya", "website": "https://zoya.finance/?c=halalwallet&source_caller=ui&is_retargeting=true&pid=affiliates&af_xp=custom&af_reengagement_window=30d&shortlink=halalwallet&af_dp=zoya%3A%2F%2F", "nationwide": true, "stateCount": 50, "states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "rating": 4.5, "founded": 2020, "bestFor": "Monitoring existing brokerage for halal compliance", "lastVerified": "2026-02", "managementFee": "$14.99/month or $119.99/year", "screeningMethod": "AAOIFI standards", "accountTypes": [ "Individual", "IRA", "Roth IRA" ] }, { "id": "zoya-sharia-compliance-stock-screening", "provider": "Zoya", "providerProfileUrl": "https://www.halalwallet.us/providers/zoya", 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