Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Buffalo

Updated June 3, 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,142Fees	0.035%Above	565
2	Five Star BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,471Fees	0.236%Above	188
3	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,648Fees	0.226%Below	162
4	Manufacturers and Traders Trust CompanyBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$784Fees	0.143%Above	1,054
5	Northwest BankBank	Exceptional	Strong	Strong	Sound	Exceptional	$1,101Fees	0.082%Above	220
6	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,507Fees	0.157%Above	209
7	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$660Fees	0.030%Above	22
8	Community Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$468Fees	0.789%Above	134
9	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,906Fees	0.218%Above	50
10	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,469Fees	0.363%Above	75
11	CNB BankBank	Strong	Strong	Strong	Sound	Sound	$697Fees	0.350%Below	32
12	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,867Fees	0.556%Above	82
13	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,711Fees	0.080%Above	33

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.