Do I need a halal mortgage provider with an office in my city?

No. Shariah-compliant home financing in the U.S. is delivered the same way as any other mortgage: application and underwriting happen online or by phone, and the closing is handled by a local title, escrow, or notary office that the provider works with in your state. What matters is that the provider publishes coverage for the state where the property sits. Only 9 of the 10 providers publish a headquarters at all.

How do I confirm a provider is actually licensed in my state?

Ask for the company's NMLS ID and look it up on NMLS Consumer Access (nmlsconsumeraccess.org). For non-bank lenders and brokers it lists every state license they hold. Banks and credit unions (for example Devon Bank, Bank of Whittier, or Luminate Bank) lend under their charter rather than state-by-state licenses, so NMLS shows their federal registration and you should ask the bank directly which states it lends in. Our coverage lists come from each provider's own published state list and are re-verified on the date shown on its profile.

Which halal mortgage providers serve every state?

Bank of Whittier, IjaraCDC publish coverage of all 51 states in our directory. The others serve a subset; the table above lists each state's providers.

Which of these providers have a formal Shariah board?

IjaraCDC, Guidance Residential, Devon Bank, UIF, Barakah Mortgage publish a standing Shariah supervisory board. Others rely on a third-party certificate or a named scholar; a few publish no review at all. The oversight label on each provider follows our methodology taxonomy.

What should I ask a provider before applying?

Ask for the contract type (Musharakah, Murabaha, Ijara, or a riba-free model), who holds title during the term, the published profit rate and how it resets, what happens on early payoff, how late payments are handled, and a copy of the Shariah certificate or board opinion for that specific product. Then compare the total cost over your expected holding period with our mortgage calculator.

Live coverage · every state

Halal Mortgage Near Me

Halal mortgages are licensed state by state, not city by city, and almost every provider closes remotely. So "near me" really means "licensed where the property is." Pick your state and see exactly who serves it, who is headquartered there, and what each one publishes about its contract and Shariah oversight.

Choose your state

Pick your state to see every halal mortgage provider that publishes coverage there. The full state-by-state list is below if you would rather browse.

Direct answer

Is there a halal mortgage provider near me?

Almost certainly yes. 10 Shariah-compliant home financing providers are live in our U.S. directory, and Bank of Whittier, IjaraCDC publish coverage of all 51 states. California has the most choice with 8 providers. 9 providers publish a physical headquarters (Bank of Whittier in California; IjaraCDC in Michigan; Sukoon Finance in Nevada; Guidance Residential in Virginia; Devon Bank in Illinois; UIF in Michigan; Mubarak Mortgage in California; Ameen Housing Cooperative in California; Barakah Mortgage in Illinois), but all of them work with buyers across the states they are licensed in. Use the finder above, then open your state's page for every product, rate disclosure, and review.

Licensing is by state; the property address decides who can serve you
Closings are remote with a local title or escrow company
Headquarters shown only where the provider publishes one
Coverage lists are re-verified on the date shown on each provider page

Where these providers are physically based

Headquarters as published by each provider. Most halal mortgage providers work remotely across every state they are licensed in, so a nearby office is a convenience, not a requirement.

Bank of WhittierWhittier, CaliforniaHome Financing in California
IjaraCDCAnn Arbor, MichiganHome Financing in Michigan
Sukoon FinanceLas Vegas, NevadaHome Financing in Nevada
Guidance ResidentialReston, VirginiaHome Financing in Virginia
Devon BankChicago, ILHome Financing in Illinois
UIFSouthfield, MichiganHome Financing in Michigan
Mubarak MortgageSanta Ana, CaliforniaHome Financing in California
Ameen Housing CooperativePalo Alto, CAHome Financing in California
Barakah MortgageChicago, IllinoisHome Financing in Illinois

Home Financing by state: all 51 states

Provider counts come from each provider's published coverage list. Click a state for its full comparison.

State	Providers	Who serves it
Alabama	6	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF
Alaska	4	Bank of Whittier, IjaraCDC, Sukoon Finance, Devon Bank
Arizona	6	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF
Arkansas	5	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank
California	8	Bank of Whittier (HQ), IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage (HQ), Ameen Housing Cooperative (HQ)
Colorado	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage
Connecticut	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage
Delaware	5	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, UIF
Florida	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage
Georgia	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage
Hawaii	3	Bank of Whittier, IjaraCDC, Sukoon Finance
Idaho	4	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential
Illinois	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank (HQ), UIF, Mubarak Mortgage
Indiana	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage
Iowa	5	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, UIF
Kansas	6	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF
Kentucky	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage
Louisiana	5	Bank of Whittier, IjaraCDC, Sukoon Finance, Devon Bank, Mubarak Mortgage
Maine	4	Bank of Whittier, IjaraCDC, Sukoon Finance, UIF
Maryland	6	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, UIF, Mubarak Mortgage
Massachusetts	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage
Michigan	7	Bank of Whittier, IjaraCDC (HQ), Sukoon Finance, Guidance Residential, Devon Bank, UIF (HQ), Mubarak Mortgage
Minnesota	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage
Mississippi	5	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Mubarak Mortgage
Missouri	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage
Montana	3	Bank of Whittier, IjaraCDC, Sukoon Finance
Nebraska	4	Bank of Whittier, IjaraCDC, Sukoon Finance, Devon Bank
Nevada	3	Bank of Whittier, IjaraCDC, Sukoon Finance (HQ)
New Hampshire	3	Bank of Whittier, IjaraCDC, Devon Bank
New Jersey	6	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, UIF, Mubarak Mortgage
New Mexico	4	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential
New York	4	Bank of Whittier, IjaraCDC, Guidance Residential, UIF
North Carolina	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage
North Dakota	3	Bank of Whittier, IjaraCDC, Devon Bank
Ohio	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage
Oklahoma	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage
Oregon	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage
Pennsylvania	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage
Rhode Island	4	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential
South Carolina	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage
South Dakota	4	Bank of Whittier, IjaraCDC, Sukoon Finance, Devon Bank
Tennessee	6	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF
Texas	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage
Utah	4	Bank of Whittier, IjaraCDC, Sukoon Finance, Devon Bank
Vermont	4	Bank of Whittier, IjaraCDC, Guidance Residential, NorthCountry Federal Credit Union
Virginia	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential (HQ), Devon Bank, UIF, Mubarak Mortgage
Washington	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage
Washington, D.C.	3	Bank of Whittier, IjaraCDC, Sukoon Finance
West Virginia	3	Bank of Whittier, IjaraCDC, Guidance Residential
Wisconsin	7	Bank of Whittier, IjaraCDC, Sukoon Finance, Guidance Residential, Devon Bank, UIF, Mubarak Mortgage
Wyoming	3	Bank of Whittier, IjaraCDC, Sukoon Finance

Kyle Natter

Co-Founder & CEO, HalalWallet

Independently researched·No provider pays for placement·320+ expert articles·About our editorial process·Featured in Islamic Finance news & GoDaddy Registry·BBB Accredited

What "near me" actually means for a halal mortgage

A halal mortgage is a regulated financial product. Non-bank lenders and brokers hold state licenses recorded in the NMLS, and chartered banks lend under their charter; either way a provider either does business where your property is or it does not. There is no city-level license, which is why the finder above works at the state level and why a provider headquartered a thousand miles away can still be your best option.

Three things do vary locally: the title or escrow company that runs your closing, the appraiser, and the property-tax and transfer-tax rules that affect a Murabaha or Ijara structure where the provider briefly holds title. Ask the provider how it handles title in your state and whether any transfer tax is triggered twice.

How to use this page

Pick your state in the finder, or let it detect your state from your connection and correct it if needed.
Open the state page for the full product list, published rates, and user reviews.
Use the halal mortgage comparison tool to pin three providers side by side on structure, down payment, credit floor, and early payoff policy.
Run the numbers in the halal mortgage calculator before you request a pre-approval.

Halal mortgage near me: FAQs

Sources and review process

This page is reviewed against HalalWallet editorial standards and source documentation.

Reviewed by: HalalWallet Editorial Team

Last reviewed: 2026-10-26

How to use this comparison: Scholars rule; we organize the evidence. HalalWallet is an independent educational comparison platform - by design, we do not issue fatwas or provide financial, legal, or tax advice. We do the research homework so your final checks are quick and personal. Where our role ends and who takes over.

Product structures and Shariah oversight vary by provider, so finish with three built-in steps:

Confirm current terms and halal compliance directly with the provider - their quote is final.
Review the contract structure (Murabaha, Ijara, Musharakah, etc.) and any disclosed Shariah board opinions.
Bring your shortlist to a qualified Islamic finance advisor or scholar, so the conversation is about your situation, not the basics.

Spot an error? Report a correction · How we handle corrections

Reviewed by: HalalWallet Editorial Team•Last reviewed: 2026-10-26•Disclosure: Featured partners may compensate HalalWallet for clicks. Editorial policy and full disclosures.

Reviewed quarterly and updated for major content changes.

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