🛡️
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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PREMIUM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,201 | +0.250% | 1,327 | |
2 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,142 | +0.035% | 565 | |
3 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,947 | +0.209% | 217 | |
4 | SEFCU SERVICES, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,058 | -0.207% | 94 | |
5 | Five Star Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,471 | +0.236% | 188 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,648 | -0.226% | 162 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $650 | -0.388% | 69 | |
8 | Manufacturers and Traders Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $784 | +0.143% | 1,054 | |
9 | Northwest Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,101 | +0.082% | 220 | |
10 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,507 | +0.157% | 209 | |
11 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $660 | +0.030% | 22 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,299 | +0.271% | 1,451 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,919 | +0.635% | 977 | |
14 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,005 | +0.279% | 439 | |
15 | Community Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $468 | +0.789% | 134 | |
16 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,625 | +0.407% | 106 | |
17 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,906 | +0.218% | 50 | |
18 | GREATER WOODLAWN FEDERAL CREDIT UNION | Strong | Exceptional | Acceptable | Sound | Strong | $285 | -0.904% | 29 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,549 | +0.454% | 514 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,469 | +0.363% | 75 | |
21 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,910 | +0.388% | 57 | |
22 | CNB Bank | Strong | Strong | Strong | Sound | Sound | $697 | -0.350% | 32 | |
23 | THE SUMMIT Federal Credit Union | Strong | Exceptional | Sound | Acceptable | Sound | $160 | +0.054% | 30 | |
24 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,541 | +0.407% | 466 | |
25 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,530 | +0.514% | 139 | |
26 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,684 | +0.862% | 122 | |
27 | Cornerstone Community Federal Credit Union | Strong | Strong | Acceptable | Sound | Strong | $2,017 | -0.113% | 85 | |
28 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,867 | +0.556% | 82 | |
29 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,873 | +0.303% | 46 | |
30 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $918 | +0.404% | 59 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,731 | +0.707% | 39 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,232 | +0.618% | 33 | |
33 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,103 | +0.473% | 28 | |
34 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,755 | +0.725% | 137 | |
35 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,334 | +0.750% | 91 | |
36 | UIF CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $2,639 | +0.221% | 72 | |
37 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,549 | +0.561% | 60 | |
38 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,711 | +0.080% | 33 | |
39 | OWNERSCHOICE FUNDING, INCORPORATED | Strong | Strong | Acceptable | Acceptable | Sound | $1,418 | +0.226% | 30 | |
40 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Sound | $2,895 | +1.356% | 39 | |
41 | GUIDANCE RESIDENTIAL, LLC | Sound | Mediocre | Strong | Acceptable | 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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
BuffaloConventional
No credit impact
3-minute process
100% free