# 1ST PRIORITY MORTGAGE, INC.

> **Canonical URL:** https://saferate.com/lenders/1st-priority-mortgage


> **📋 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


1ST PRIORITY MORTGAGE, INC. is a independent mortgage company, headquartered in WILLIAMSVILLE, NY, serving borrowers across 5 states, with 1,481 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 53% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 23% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300ZGZ9WQMJLEPH17
- **Headquarters:** WILLIAMSVILLE, NY
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** CT, FL, NJ, NY, PA
- **Markets (MSAs):** 12
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.228%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,298
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,481
- **Dollar Volume:** $421 million
- **Applications Received:** 1,790
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $284,169
- **Average Borrower Income:** $129,878
- **Average Property Value:** $361,799

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 78/100 | 1,283 | +0.214% | $2,314 | Strong 😀 |
| FHA | 72/100 | 144 | +0.485% | $2,099 | Strong 😀 |
| VA | 69/100 | 46 | -0.266% | $2,373 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,263 loans, Score: 79/100 (Strong)
- Refinance: 20 loans, Score: 32/100 (Acceptable)

**FHA:**
- Purchase: 141 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 45 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 79/100 | 1,457 | $415M | +0.229% | Strong 😀 |
| Refinance | 32/100 | 24 | $6M | +0.167% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 1,401 | 1.24% | 91/100 |
| NJ | 55 | 0.06% | 56/100 |
| FL | 11 | 0.00% | 33/100 |
| CT | 10 | 0.03% | 38/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Buffalo | NY | 439 | 88/100 |
| Rochester, NY | NY | 258 | 77/100 |
| New York | NY-NJ | 164 | 71/100 |
| Non |  | 138 | 54/100 |
| Binghamton, NY | NY | 100 | 81/100 |
| Nassau County | NY | 91 | 66/100 |
| Kiryas Joel | NY | 63 | 69/100 |
| Syracuse, NY | NY | 62 | 64/100 |
| Albany | NY | 40 | 56/100 |
| Ithaca, NY | NY | 36 | 50/100 |
| Elmira, NY | NY | 22 | 60/100 |
| Newark, NJ | NJ | 14 | 43/100 |

## Where This Lender Ranks

1ST PRIORITY MORTGAGE, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Elmira, NY Mortgage Companies
  - [View Full Rankings](https://saferate.com/elmira-ny/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Elmira, NY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/elmira-ny/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Buffalo for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#4** in Binghamton, NY Mortgage Companies
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Binghamton, NY for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Elmira, NY for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/elmira-ny/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in Buffalo Mortgage Companies
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Buffalo for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in Rochester, NY Mortgage Companies
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Rochester, NY for VA Loans
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Rochester, NY for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#5** in Binghamton, NY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Binghamton, NY for FHA Loans
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Ithaca, NY
  - [View Full Rankings](https://saferate.com/ithaca-ny/best-mortgage-lenders)
- 🏆 **#5** in Elmira, NY for FHA Loans
  - [View Full Rankings](https://saferate.com/elmira-ny/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Buffalo for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Rochester, NY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Syracuse, NY Mortgage Companies
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/mortgage-companies)
- 🏆 **#6** in Ithaca, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/ithaca-ny/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in Buffalo for FHA Loans
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does 1ST PRIORITY MORTGAGE, INC. offer?

1ST PRIORITY MORTGAGE, INC. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does 1ST PRIORITY MORTGAGE, INC. offer mortgages?

1ST PRIORITY MORTGAGE, INC. offers mortgages in 5 states: CT, FL, NJ, NY, PA.

### How competitive are 1ST PRIORITY MORTGAGE, INC.'s mortgage rates?

1ST PRIORITY MORTGAGE, INC. has a pricing score of 47/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.228% above market average.

### What type of lender is 1ST PRIORITY MORTGAGE, INC.?

1ST PRIORITY MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in WILLIAMSVILLE, NY.

### What is 1ST PRIORITY MORTGAGE, INC.'s loan approval success rate?

1ST PRIORITY MORTGAGE, INC. has a pull-through score of 77/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/1st-priority-mortgage

### How to Cite

> "1ST PRIORITY MORTGAGE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/1st-priority-mortgage

---

**[View Interactive Profile →](https://saferate.com/lenders/1st-priority-mortgage)**