Safe Rate Rankings

Best All Lender Mortgage Lenders in Buffalo

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders60

Total Loans10,052

Median Rate Spread0.35%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	$1,201Fees	0.250%Above	1,327
2	Manufacturers and Traders Trust CompanyBank	Exceptional	Strong	Strong	Exceptional	$784Fees	0.143%Above	1,054
3	KeyBank National AssociationBank	Exceptional	Strong	Strong	Exceptional	$1,142Fees	0.035%Above	565
4	Northwest BankBank	Exceptional	Strong	Strong	Exceptional	$1,101Fees	0.082%Above	220
5	HOMESTEAD FUNDING CORP.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	$1,947Fees	0.209%Above	217
6	Five Star BankBank	Exceptional	Strong	Strong	Exceptional	$1,471Fees	0.236%Above	188
7	SEFCU SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	$1,058Fees	0.207%Below	94
8	Cornerstone Community Federal Credit UnionCredit Union	Exceptional	Exceptional	Sound	Strong	$2,017Fees	0.113%Below	85
9	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,299Fees	0.271%Above	1,451
10	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Strong	$1,507Fees	0.157%Above	209
11	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,648Fees	0.226%Below	162
12	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$650Fees	0.388%Below	69
13	THE SUMMIT Federal Credit UnionCredit Union	Strong	Exceptional	Sound	Sound	$160Fees	0.054%Above	30
14	GREATER WOODLAWN FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Acceptable	Strong	$285Fees	0.904%Below	29
15	1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,005Fees	0.279%Above	439
16	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$660Fees	0.030%Above	22
17	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,919Fees	0.635%Above	977
18	Community Bank, National AssociationBank	Strong	Sound	Strong	Strong	$468Fees	0.789%Above	134
19	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$1,906Fees	0.218%Above	50
20	CNB BankBank	Strong	Strong	Sound	Sound	$697Fees	0.350%Below	32
21	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,549Fees	0.454%Above	514
22	HUNT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,541Fees	0.407%Above	466
23	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,530Fees	0.514%Above	139
24	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,469Fees	0.363%Above	75
25	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,910Fees	0.388%Above	57
26	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,873Fees	0.303%Above	46
27	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,343Fees	1.291%Above	36
28	OWNERSCHOICE FUNDING, INCORPORATEDIndependent Mortgage Company	Strong	Strong	Acceptable	Sound	$1,418Fees	0.226%Above	30
29	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,684Fees	0.862%Above	122
30	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,625Fees	0.407%Above	106
31	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,334Fees	0.750%Above	91
32	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$3,867Fees	0.556%Above	82
33	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,731Fees	0.707%Above	39
34	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,232Fees	0.618%Above	33
35	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$1,711Fees	0.080%Above	33
36	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,103Fees	0.473%Above	28
37	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$3,755Fees	0.725%Above	137
38	UIF CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,639Fees	0.221%Above	72
39	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$918Fees	0.404%Above	59
40	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,549Fees	0.561%Above	60
41	ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	$2,895Fees	1.356%Above	39
42	GUIDANCE RESIDENTIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	$3,296Fees	0.725%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.