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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Buffalo
Updated February 5, 2026
Market Overview
60
Total Lenders
10,052
Total Loans
0.35%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | PREMIUM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | $1,201 | +0.250% | 1,327 | |
2 | Manufacturers and Traders Trust Company | Exceptional | Strong | Strong | Exceptional | $784 | +0.143% | 1,054 | |
3 | KeyBank National Association | Exceptional | Strong | Strong | Exceptional | $1,142 | +0.035% | 565 | |
4 | Northwest Bank | Exceptional | Strong | Strong | Exceptional | $1,101 | +0.082% | 220 | |
5 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Strong | $1,947 | +0.209% | 217 | |
6 | Five Star Bank | Exceptional | Strong | Strong | Exceptional | $1,471 | +0.236% | 188 | |
7 | SEFCU SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | $1,058 | -0.207% | 94 | |
8 | Cornerstone Community Federal Credit Union | Exceptional | Exceptional | Sound | Strong | $2,017 | -0.113% | 85 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,299 | +0.271% | 1,451 | |
10 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,507 | +0.157% | 209 | |
11 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,648 | -0.226% | 162 | |
12 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $650 | -0.388% | 69 | |
13 | THE SUMMIT Federal Credit Union | Strong | Exceptional | Sound | Sound | $160 | +0.054% | 30 | |
14 | GREATER WOODLAWN FEDERAL CREDIT UNION | Strong | Exceptional | Acceptable | Strong | $285 | -0.904% | 29 | |
15 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | $2,005 | +0.279% | 439 | |
16 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $660 | +0.030% | 22 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,919 | +0.635% | 977 | |
18 | Community Bank, National Association | Strong | Sound | Strong | Strong | $468 | +0.789% | 134 | |
19 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $1,906 | +0.218% | 50 | |
20 | CNB Bank | Strong | Strong | Sound | Sound | $697 | -0.350% | 32 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,549 | +0.454% | 514 | |
22 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,541 | +0.407% | 466 | |
23 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,530 | +0.514% | 139 | |
24 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,469 | +0.363% | 75 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $2,910 | +0.388% | 57 | |
26 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,873 | +0.303% | 46 | |
27 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,343 | +1.291% | 36 | |
28 | OWNERSCHOICE FUNDING, INCORPORATED | Strong | Strong | Acceptable | Sound | $1,418 | +0.226% | 30 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,684 | +0.862% | 122 | |
30 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,625 | +0.407% | 106 | |
31 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,334 | +0.750% | 91 | |
32 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $3,867 | +0.556% | 82 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $2,731 | +0.707% | 39 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $4,232 | +0.618% | 33 | |
35 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,711 | +0.080% | 33 | |
36 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $3,103 | +0.473% | 28 | |
37 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $3,755 | +0.725% | 137 | |
38 | UIF CORPORATION | Sound | Acceptable | Sound | Strong | $2,639 | +0.221% | 72 | |
39 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | $918 | +0.404% | 59 | |
40 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,549 | +0.561% | 60 | |
41 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Sound | $2,895 | +1.356% | 39 | |
42 | GUIDANCE RESIDENTIAL, LLC | Sound | Mediocre | Sound | Sound | $3,296 | +0.725% | 35 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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