Safe Rate Rankings

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