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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 Conventional Mortgage Company Lenders in Buffalo
Updated February 5, 2026
Market Overview
25
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 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,947 | +0.209% | 217 | |
3 | SEFCU SERVICES, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,058 | -0.207% | 94 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,299 | +0.271% | 1,451 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,919 | +0.635% | 977 | |
6 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,005 | +0.279% | 439 | |
7 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,625 | +0.407% | 106 | |
8 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,549 | +0.454% | 514 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,910 | +0.388% | 57 | |
10 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,541 | +0.407% | 466 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,530 | +0.514% | 139 | |
12 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,684 | +0.862% | 122 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,873 | +0.303% | 46 | |
14 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $918 | +0.404% | 59 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,731 | +0.707% | 39 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,232 | +0.618% | 33 | |
17 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,103 | +0.473% | 28 | |
18 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,755 | +0.725% | 137 | |
19 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,334 | +0.750% | 91 | |
20 | UIF CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $2,639 | +0.221% | 72 | |
21 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,549 | +0.561% | 60 | |
22 | OWNERSCHOICE FUNDING, INCORPORATED | Strong | Strong | Acceptable | Acceptable | Sound | $1,418 | +0.226% | 30 | |
23 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Sound | $2,895 | +1.356% | 39 | |
24 | 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.
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