# Best FHA Mortgage Lenders in Buffalo

**As of:** 2026-05-22

Compare the top FHA mortgage lenders in Buffalo. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/buffalo/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 60
- **Total Loans:** 10,052
- **Median Rate Spread:** 0.3519310344827586%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | PREMIUM MORTGAGE CORPORATION | 95 | 77 | 86 | 1,327 | Independent Mortgage Company |
| 2 | Manufacturers and Traders Trust Company | 89 | 74 | 65 | 1,054 | Bank |
| 3 | HOMESTEAD FUNDING CORP. | 89 | 71 | 84 | 217 | Independent Mortgage Company |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 1,451 | Independent Mortgage Company |
| 5 | KeyBank National Association | 83 | 83 | 59 | 565 | Bank |
| 6 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 977 | Independent Mortgage Company |
| 7 | 1ST PRIORITY MORTGAGE, INC. | 79 | 59 | 66 | 439 | Independent Mortgage Company |
| 8 | Flagstar Bank, N.A. | 79 | 58 | 71 | 82 | Bank |
| 9 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 36 | Independent Mortgage Company |
| 10 | Citizens Bank, National Association | 74 | 74 | 54 | 209 | Bank |
| 11 | Five Star Bank | 73 | 69 | 54 | 188 | Bank |
| 12 | LOANDEPOT.COM, LLC | 73 | 59 | 68 | 57 | Independent Mortgage Company |
| 13 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 46 | Independent Mortgage Company |
| 14 | HUNT MORTGAGE CORPORATION | 71 | 31 | 73 | 466 | Independent Mortgage Company |
| 15 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 139 | Independent Mortgage Company |
| 16 | PLAZA HOME MORTGAGE, INC. | 71 | 30 | 65 | 106 | Independent Mortgage Company |
| 17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 70 | 22 | 82 | 39 | Independent Mortgage Company |
| 18 | NEWREZ LLC | 68 | 52 | 56 | 60 | Independent Mortgage Company |
| 19 | AMERICAN FINANCIAL NETWORK, INC. | 66 | 25 | 69 | 59 | Independent Mortgage Company |
| 20 | CMG MORTGAGE, INC. | 66 | 32 | 79 | 28 | Independent Mortgage Company |
| 21 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 19 | 69 | 514 | Independent Mortgage Company |
| 22 | Northwest Bank | 63 | 88 | 29 | 220 | Bank |
| 23 | EVERETT FINANCIAL, INC. | 63 | 9 | 80 | 137 | Independent Mortgage Company |
| 24 | RELIANCE FIRST CAPITAL, LLC | 63 | N/A | 91 | 61 | Independent Mortgage Company |
| 25 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 122 | Independent Mortgage Company |
| 26 | ROYAL UNITED MORTGAGE LLC | 49 | 5 | 54 | 39 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Buffalo.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.