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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 FHA 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 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $784 | +0.143% | 1,054 | |
3 | KeyBank National Association | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,142 | +0.035% | 565 | |
4 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,947 | +0.209% | 217 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,299 | +0.271% | 1,451 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,343 | +1.291% | 36 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,919 | +0.635% | 977 | |
8 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,005 | +0.279% | 439 | |
9 | Northwest Bank | Strong | Exceptional | Acceptable | Acceptable | Exceptional | $1,101 | +0.082% | 220 | |
10 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $1,507 | +0.157% | 209 | |
11 | Five Star Bank | Strong | Strong | Sound | Sound | Exceptional | $1,471 | +0.236% | 188 | |
12 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,867 | +0.556% | 82 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,873 | +0.303% | 46 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,910 | +0.388% | 57 | |
15 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,541 | +0.407% | 466 | |
16 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,530 | +0.514% | 139 | |
17 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,625 | +0.407% | 106 | |
18 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $2,549 | +0.561% | 60 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,731 | +0.707% | 39 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,549 | +0.454% | 514 | |
21 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,755 | +0.725% | 137 | |
22 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $918 | +0.404% | 59 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,103 | +0.473% | 28 | |
24 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,684 | +0.862% | 122 | |
25 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Sound | Sound | $2,895 | +1.356% | 39 |
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.
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