# Best Mortgage Lenders in Buffalo

**As of:** 2026-05-22

Compare the top mortgage lenders in Buffalo. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/buffalo/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 60
- **Total Loans:** 10,052
- **Median Rate Spread:** 0.3519310344827586%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | PREMIUM MORTGAGE CORPORATION | 93 | 67 | 80 | 1,327 | Independent Mortgage Company |
| 2 | Manufacturers and Traders Trust Company | 86 | 62 | 78 | 1,054 | Bank |
| 3 | KeyBank National Association | 86 | 71 | 69 | 565 | Bank |
| 4 | Northwest Bank | 86 | 72 | 64 | 220 | Bank |
| 5 | HOMESTEAD FUNDING CORP. | 86 | 72 | 83 | 217 | Independent Mortgage Company |
| 6 | Five Star Bank | 86 | 63 | 72 | 188 | Bank |
| 7 | SEFCU SERVICES, LLC | 86 | 78 | 82 | 94 | Independent Mortgage Company |
| 8 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 1,451 | Independent Mortgage Company |
| 9 | Citizens Bank, National Association | 80 | 69 | 62 | 209 | Bank |
| 10 | Bank of America, National Association | 80 | 73 | 75 | 162 | Bank |
| 11 | 1ST PRIORITY MORTGAGE, INC. | 78 | 47 | 77 | 439 | Independent Mortgage Company |
| 12 | Cornerstone Community Federal Credit Union | 78 | 81 | 44 | 85 | Credit Union |
| 13 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 977 | Independent Mortgage Company |
| 14 | Community Bank, National Association | 73 | 45 | 71 | 134 | Bank |
| 15 | U.S. Bank National Association | 73 | 75 | 71 | 22 | Bank |
| 16 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 69 | Credit Union |
| 17 | THE SUMMIT Federal Credit Union | 71 | 90 | 41 | 30 | Credit Union |
| 18 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 514 | Independent Mortgage Company |
| 19 | HUNT MORTGAGE CORPORATION | 68 | 25 | 77 | 466 | Independent Mortgage Company |
| 20 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 139 | Independent Mortgage Company |
| 21 | GREATER WOODLAWN FEDERAL CREDIT UNION | 68 | 100 | 33 | 29 | Credit Union |
| 22 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 75 | Bank |
| 23 | LOANDEPOT.COM, LLC | 66 | 48 | 76 | 57 | Independent Mortgage Company |
| 24 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 50 | Bank |
| 25 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 46 | Independent Mortgage Company |
| 26 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 36 | Independent Mortgage Company |
| 27 | CNB Bank | 66 | 74 | 54 | 32 | Bank |
| 28 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 122 | Independent Mortgage Company |
| 29 | PLAZA HOME MORTGAGE, INC. | 63 | 36 | 69 | 106 | Independent Mortgage Company |
| 30 | Mortgage Research Center, LLC | 63 | 34 | 70 | 91 | Independent Mortgage Company |
| 31 | Flagstar Bank, N.A. | 63 | 40 | 76 | 82 | Bank |
| 32 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 62 | 26 | 83 | 39 | Independent Mortgage Company |
| 33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 33 | Independent Mortgage Company |
| 34 | CMG MORTGAGE, INC. | 62 | 33 | 81 | 28 | Independent Mortgage Company |
| 35 | USAA Federal Savings Bank | 60 | 54 | 45 | 33 | Bank |
| 36 | UIF CORPORATION | 58 | 30 | 47 | 72 | Independent Mortgage Company |
| 37 | AMERICAN FINANCIAL NETWORK, INC. | 58 | 28 | 71 | 59 | Independent Mortgage Company |
| 38 | OWNERSCHOICE FUNDING, INCORPORATED | 58 | 65 | 24 | 30 | Independent Mortgage Company |
| 39 | EVERETT FINANCIAL, INC. | 54 | 13 | 80 | 137 | Independent Mortgage Company |
| 40 | RELIANCE FIRST CAPITAL, LLC | 54 | N/A | 96 | 61 | Independent Mortgage Company |
| 41 | NEWREZ LLC | 52 | 35 | 59 | 60 | Independent Mortgage Company |
| 42 | ROYAL UNITED MORTGAGE LLC | 46 | 5 | 63 | 39 | Independent Mortgage Company |
| 43 | GREAT ERIE | 46 | N/A | 41 | 33 | Credit Union |
| 44 | GUIDANCE RESIDENTIAL, LLC | 42 | 17 | 45 | 35 | Independent Mortgage Company |
| 45 | ONTARIO SHORES | 42 | N/A | 42 | 21 | Credit Union |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Buffalo.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.