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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 VA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,299 | +0.271% | 1,451 | |
2 | KeyBank National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,142 | +0.035% | 565 | |
3 | PREMIUM MORTGAGE CORPORATION | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,201 | +0.250% | 1,327 | |
4 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,947 | +0.209% | 217 | |
5 | Northwest Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,101 | +0.082% | 220 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $650 | -0.388% | 69 | |
7 | Manufacturers and Traders Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $784 | +0.143% | 1,054 | |
8 | 1ST PRIORITY MORTGAGE, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,005 | +0.279% | 439 | |
9 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,530 | +0.514% | 139 | |
10 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $918 | +0.404% | 59 | |
11 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,343 | +1.291% | 36 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,919 | +0.635% | 977 | |
13 | HUNT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | Exceptional | $3,541 | +0.407% | 466 | |
14 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $1,507 | +0.157% | 209 | |
15 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,625 | +0.407% | 106 | |
16 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,867 | +0.556% | 82 | |
17 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,711 | +0.080% | 33 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,549 | +0.454% | 514 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,910 | +0.388% | 57 | |
20 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,684 | +0.862% | 122 | |
21 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,334 | +0.750% | 91 | |
22 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,755 | +0.725% | 137 |
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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