Top Mortgage Lenders in Buffalo, NY

Which mortgage lender in the Buffalo, NY area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Buffalo, NY area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Buffalo, NY area is Five Star Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.24%. This means that Five Star Bank provided a -0.24% lower interest rate for its customers than other lenders in Buffalo, NY for a similar set of borrowers. Five Star Bank has a market share of 4.1%. On the other hand, the most popular lender in the market is M&T Bank, with a market share of 13.9%. M&T Bank is an average rate lender in this area, with a “Rate Difference” of -0.06% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Buffalo, NY area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Buffalo, NY is SEFCU Services. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Premium Mortgage Corporation. The cheapest VA mortgage provider is Navy Federal Credit Union. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Buffalo, NY

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Five Star Bank 1, -0.24% 4.12%
SEFCU Services 2, -0.23% 0.90%
OwnersChoice Funding, Inc 3, -0.22% 2.46%
Bank of Akron 4, -0.16% 0.57%
Hsbc Bank Usa 5, -0.15% 0.42%
Northwest Bank 6, -0.15% 3.96%
Navy Federal Credit Union 7, -0.11% 0.62%
KeyBank National Association 8, -0.09% 9.05%
Premium Mortgage Corporation 9, -0.08% 8.91%
Bank of America 10, -0.08% 2.33%
Sefcu 11, -0.07% 0.21%
Supreme Lending/ Everett Financial Inc 12, -0.06% 0.81%
Citizens Bank 13, -0.06% 2.99%
M&T Bank 14, -0.06% 13.86%
Fairport Savings Bank 15, -0.06% 0.65%
1st Priority Mortgage Inc 16, -0.05% 6.62%
Home Point Financial Corporation 17, -0.02% 1.38%
Homestead Funding Corp 18, -0.02% 0.95%
LoanDepot 19, -0.01% 1.21%
Freedom Mortgage Corporation 20, -0.01% 0.76%
Newrez 21, -0.01% 0.49%
Santander Bank 22, 0.00% 0.23%
Plaza Home Mortgage Inc 23, 0.02% 0.38%
Reliance First Capital 24, 0.02% 0.24%
CNB Bank 25, 0.02% 0.31%
Syracuse Securities, Inc 26, 0.03% 0.37%
Carrington Mortgage Services 27, 0.03% 0.50%
JPMorgan Chase Bank 28, 0.03% 0.57%
Guaranteed Rate Inc 29, 0.04% 0.64%
Usaa Federal Savings Bank 30, 0.08% 1.06%
NVR Mortgage Finance Inc 31, 0.08% 0.40%
Flagstar Bank 32, 0.08% 0.53%
Barrington Bank & Trust 33, 0.09% 0.20%
Caliber Home Loans Inc 34, 0.09% 1.10%
Wells Fargo Bank 35, 0.10% 1.53%
Movement Mortgage 36, 0.11% 1.68%
Royal United Mortgage 37, 0.12% 0.30%
Nationstar Mortgage 38, 0.13% 3.06%
Primelending 39, 0.16% 1.99%
Hunt Mortgage Corporation 40, 0.17% 7.28%
Quicken Loans 41, 0.21% 11.75%
Community Bank 42, 0.24% 2.63%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Five Star Bank 1, -0.28% 4.98%
SEFCU Services 2, -0.21% 0.88%
Hsbc Bank Usa 3, -0.16% 0.44%
Northwest Bank 4, -0.13% 2.65%
Navy Federal Credit Union 5, -0.13% 0.82%
Bank of America 6, -0.09% 2.81%
OwnersChoice Funding, Inc 7, -0.09% 1.79%
KeyBank National Association 8, -0.09% 6.58%
Premium Mortgage Corporation 9, -0.08% 12.46%
Bank of Akron 10, -0.08% 0.39%
Supreme Lending/ Everett Financial Inc 11, -0.07% 1.09%
M&T Bank 12, -0.05% 14.66%
1st Priority Mortgage Inc 13, -0.05% 9.45%
Fairport Savings Bank 14, -0.05% 0.70%
Home Point Financial Corporation 15, -0.04% 1.79%
Freedom Mortgage Corporation 16, -0.03% 0.81%
Homestead Funding Corp 17, -0.03% 1.26%
Citizens Bank 18, -0.02% 2.53%
Reliance First Capital 19, -0.02% 0.01%
JPMorgan Chase Bank 20, -0.01% 0.53%
Nationstar Mortgage 21, -0.01% 2.16%
LoanDepot 22, -0.00% 0.20%
Sefcu 23, 0.00% 0.02%
Santander Bank 24, 0.00% 0.27%
CNB Bank 25, 0.01% 0.16%
Plaza Home Mortgage Inc 26, 0.01% 0.49%
Guaranteed Rate Inc 27, 0.03% 0.78%
Newrez 28, 0.03% 0.32%
NVR Mortgage Finance Inc 29, 0.07% 0.59%
Royal United Mortgage 30, 0.07% 0.12%
Syracuse Securities, Inc 31, 0.08% 0.36%
Carrington Mortgage Services 32, 0.09% 0.14%
Flagstar Bank 33, 0.09% 0.64%
Barrington Bank & Trust 34, 0.09% 0.26%
Caliber Home Loans Inc 35, 0.10% 1.42%
Usaa Federal Savings Bank 36, 0.11% 1.21%
Wells Fargo Bank 37, 0.12% 1.57%
Movement Mortgage 38, 0.12% 2.21%
Primelending 39, 0.17% 2.52%
Hunt Mortgage Corporation 40, 0.17% 10.32%
Community Bank 41, 0.34% 2.39%
Quicken Loans 42, 0.35% 5.24%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
OwnersChoice Funding, Inc 1, -0.33% 3.81%
SEFCU Services 2, -0.25% 0.95%
Bank of Akron 3, -0.22% 0.95%
Northwest Bank 4, -0.15% 6.62%
Premium Mortgage Corporation 5, -0.13% 1.70%
1st Priority Mortgage Inc 6, -0.12% 0.87%
Hsbc Bank Usa 7, -0.12% 0.40%
Citizens Bank 8, -0.11% 3.91%
KeyBank National Association 9, -0.09% 14.07%
Five Star Bank 10, -0.09% 2.37%
M&T Bank 11, -0.08% 12.24%
Fairport Savings Bank 12, -0.08% 0.53%
Syracuse Securities, Inc 13, -0.07% 0.40%
Sefcu 14, -0.06% 0.59%
Usaa Federal Savings Bank 15, -0.05% 0.75%
Bank of America 16, -0.03% 1.36%
Newrez 17, -0.03% 0.83%
Hunt Mortgage Corporation 18, -0.03% 1.11%
Supreme Lending/ Everett Financial Inc 19, -0.02% 0.24%
Santander Bank 20, -0.01% 0.16%
LoanDepot 21, -0.00% 3.26%
Navy Federal Credit Union 22, 0.00% 0.22%
Barrington Bank & Trust 23, 0.01% 0.08%
Plaza Home Mortgage Inc 24, 0.02% 0.16%
Movement Mortgage 25, 0.02% 0.59%
Homestead Funding Corp 26, 0.03% 0.32%
Flagstar Bank 27, 0.03% 0.30%
Home Point Financial Corporation 28, 0.03% 0.55%
Caliber Home Loans Inc 29, 0.03% 0.43%
Carrington Mortgage Services 30, 0.03% 1.23%
Reliance First Capital 31, 0.04% 0.71%
Freedom Mortgage Corporation 32, 0.04% 0.65%
Guaranteed Rate Inc 33, 0.04% 0.36%
CNB Bank 34, 0.04% 0.61%
Wells Fargo Bank 35, 0.06% 1.44%
Community Bank 36, 0.07% 3.12%
JPMorgan Chase Bank 37, 0.11% 0.65%
Primelending 38, 0.11% 0.93%
Royal United Mortgage 39, 0.15% 0.67%
Quicken Loans 40, 0.17% 24.97%
Nationstar Mortgage 41, 0.27% 4.88%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
SEFCU Services 1, -0.26% 0.98%
Five Star Bank 2, -0.25% 4.99%
OwnersChoice Funding, Inc 3, -0.22% 3.23%
Bank of Akron 4, -0.16% 0.74%
Hsbc Bank Usa 5, -0.15% 0.55%
Northwest Bank 6, -0.15% 5.06%
KeyBank National Association 7, -0.10% 11.12%
Homestead Funding Corp 8, -0.09% 0.70%
Fairport Savings Bank 9, -0.08% 0.67%
Bank of America 10, -0.08% 2.88%
Sefcu 11, -0.07% 0.27%
Citizens Bank 12, -0.07% 3.32%
Supreme Lending/ Everett Financial Inc 13, -0.05% 0.78%
M&T Bank 14, -0.05% 15.71%
Premium Mortgage Corporation 15, -0.04% 8.15%
1st Priority Mortgage Inc 16, -0.04% 6.55%
LoanDepot 17, -0.01% 0.87%
Carrington Mortgage Services 18, 0.00% 0.24%
Newrez 19, 0.01% 0.44%
Santander Bank 20, 0.01% 0.31%
Home Point Financial Corporation 21, 0.02% 1.25%
CNB Bank 22, 0.02% 0.39%
Guaranteed Rate Inc 23, 0.03% 0.44%
Syracuse Securities, Inc 24, 0.03% 0.42%
JPMorgan Chase Bank 25, 0.03% 0.74%
Reliance First Capital 26, 0.07% 0.13%
Plaza Home Mortgage Inc 27, 0.07% 0.11%
NVR Mortgage Finance Inc 28, 0.09% 0.41%
Usaa Federal Savings Bank 29, 0.11% 0.50%
Flagstar Bank 30, 0.11% 0.15%
Wells Fargo Bank 31, 0.11% 1.76%
Freedom Mortgage Corporation 32, 0.12% 0.47%
Caliber Home Loans Inc 33, 0.13% 1.07%
Hunt Mortgage Corporation 34, 0.14% 6.67%
Movement Mortgage 35, 0.14% 1.49%
Royal United Mortgage 36, 0.17% 0.22%
Primelending 37, 0.19% 1.95%
Navy Federal Credit Union 38, 0.22% 0.28%
Community Bank 39, 0.24% 3.46%
Nationstar Mortgage 40, 0.29% 1.52%
Quicken Loans 41, 0.30% 9.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Five Star Bank 1, -0.30% 6.09%
SEFCU Services 2, -0.26% 0.89%
Hsbc Bank Usa 3, -0.17% 0.59%
Northwest Bank 4, -0.14% 3.41%
Homestead Funding Corp 5, -0.12% 0.92%
Bank of America 6, -0.10% 3.52%
KeyBank National Association 7, -0.10% 7.85%
OwnersChoice Funding, Inc 8, -0.10% 2.41%
Fairport Savings Bank 9, -0.09% 0.68%
Bank of Akron 10, -0.08% 0.52%
Supreme Lending/ Everett Financial Inc 11, -0.06% 1.07%
1st Priority Mortgage Inc 12, -0.05% 9.47%
Premium Mortgage Corporation 13, -0.04% 11.46%
M&T Bank 14, -0.03% 16.68%
JPMorgan Chase Bank 15, -0.02% 0.71%
Citizens Bank 16, -0.01% 2.72%
Sefcu 17, -0.00% 0.03%
Santander Bank 18, 0.00% 0.37%
Home Point Financial Corporation 19, 0.00% 1.63%
CNB Bank 20, 0.01% 0.21%
LoanDepot 21, 0.01% 0.12%
Guaranteed Rate Inc 22, 0.02% 0.54%
NVR Mortgage Finance Inc 23, 0.07% 0.63%
Plaza Home Mortgage Inc 24, 0.08% 0.12%
Carrington Mortgage Services 25, 0.09% 0.08%
Syracuse Securities, Inc 26, 0.09% 0.41%
Royal United Mortgage 27, 0.09% 0.08%
Newrez 28, 0.11% 0.22%
Nationstar Mortgage 29, 0.12% 0.55%
Flagstar Bank 30, 0.12% 0.18%
Caliber Home Loans Inc 31, 0.13% 1.40%
Wells Fargo Bank 32, 0.14% 1.78%
Usaa Federal Savings Bank 33, 0.14% 0.59%
Hunt Mortgage Corporation 34, 0.14% 9.52%
Freedom Mortgage Corporation 35, 0.15% 0.54%
Movement Mortgage 36, 0.15% 1.99%
Primelending 37, 0.20% 2.39%
Navy Federal Credit Union 38, 0.26% 0.35%
Community Bank 39, 0.34% 3.22%
Quicken Loans 40, 0.41% 4.09%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
OwnersChoice Funding, Inc 1, -0.32% 4.78%
SEFCU Services 2, -0.25% 1.14%
Bank of Akron 3, -0.21% 1.16%
Northwest Bank 4, -0.14% 8.17%
Premium Mortgage Corporation 5, -0.14% 1.88%
Citizens Bank 6, -0.12% 4.46%
1st Priority Mortgage Inc 7, -0.12% 1.04%
Hsbc Bank Usa 8, -0.12% 0.47%
KeyBank National Association 9, -0.09% 17.33%
Five Star Bank 10, -0.09% 2.90%
M&T Bank 11, -0.08% 13.89%
Fairport Savings Bank 12, -0.07% 0.64%
Syracuse Securities, Inc 13, -0.07% 0.45%
Sefcu 14, -0.05% 0.74%
Newrez 15, -0.03% 0.84%
Bank of America 16, -0.03% 1.66%
Hunt Mortgage Corporation 17, -0.02% 1.26%
Supreme Lending/ Everett Financial Inc 18, -0.01% 0.22%
Carrington Mortgage Services 19, 0.00% 0.54%
Santander Bank 20, 0.00% 0.20%
LoanDepot 21, 0.00% 2.30%
Navy Federal Credit Union 22, 0.00% 0.15%
Usaa Federal Savings Bank 23, 0.02% 0.35%
Movement Mortgage 24, 0.03% 0.54%
Homestead Funding Corp 25, 0.04% 0.30%
Plaza Home Mortgage Inc 26, 0.04% 0.10%
Guaranteed Rate Inc 27, 0.04% 0.27%
Caliber Home Loans Inc 28, 0.04% 0.45%
Home Point Financial Corporation 29, 0.05% 0.52%
Freedom Mortgage Corporation 30, 0.05% 0.35%
CNB Bank 31, 0.05% 0.72%
Flagstar Bank 32, 0.07% 0.10%
Wells Fargo Bank 33, 0.07% 1.73%
Community Bank 34, 0.08% 3.91%
Reliance First Capital 35, 0.09% 0.37%
JPMorgan Chase Bank 36, 0.12% 0.82%
Primelending 37, 0.12% 1.11%
Royal United Mortgage 38, 0.21% 0.50%
Quicken Loans 39, 0.28% 18.29%
Nationstar Mortgage 40, 0.37% 3.37%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Premium Mortgage Corporation 1, -0.19% 11.74%
M&T Bank 2, -0.17% 8.01%
Freedom Mortgage Corporation 3, -0.16% 2.04%
Home Point Financial Corporation 4, -0.12% 2.31%
Five Star Bank 5, -0.12% 1.35%
Supreme Lending/ Everett Financial Inc 6, -0.11% 1.19%
Northwest Bank 7, -0.08% 0.19%
1st Priority Mortgage Inc 8, -0.08% 7.82%
SEFCU Services 9, -0.06% 0.73%
Bank of America 10, -0.05% 0.50%
Newrez 11, -0.05% 0.77%
Citizens Bank 12, -0.05% 1.77%
Reliance First Capital 13, -0.02% 0.54%
KeyBank National Association 14, -0.02% 1.73%
Navy Federal Credit Union 15, -0.01% 0.04%
Caliber Home Loans Inc 16, -0.01% 1.42%
Plaza Home Mortgage Inc 17, -0.00% 1.35%
Hsbc Bank Usa 18, 0.00% 0.04%
NVR Mortgage Finance Inc 19, 0.01% 0.23%
Barrington Bank & Trust 20, 0.02% 0.15%
Syracuse Securities, Inc 21, 0.03% 0.19%
Wells Fargo Bank 22, 0.03% 0.19%
Nationstar Mortgage 23, 0.03% 9.51%
Fairport Savings Bank 24, 0.04% 0.54%
Movement Mortgage 25, 0.04% 2.58%
Guaranteed Rate Inc 26, 0.04% 1.39%
Flagstar Bank 27, 0.05% 1.62%
Carrington Mortgage Services 28, 0.06% 1.27%
Quicken Loans 29, 0.06% 22.14%
Royal United Mortgage 30, 0.07% 0.50%
LoanDepot 31, 0.07% 1.85%
Primelending 32, 0.09% 2.46%
Homestead Funding Corp 33, 0.09% 1.62%
Hunt Mortgage Corporation 34, 0.28% 10.20%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Freedom Mortgage Corporation 1, -0.21% 2.08%
M&T Bank 2, -0.20% 8.81%
Premium Mortgage Corporation 3, -0.20% 15.58%
Home Point Financial Corporation 4, -0.12% 2.92%
Supreme Lending/ Everett Financial Inc 5, -0.12% 1.46%
Five Star Bank 6, -0.12% 1.82%
Northwest Bank 7, -0.08% 0.26%
1st Priority Mortgage Inc 8, -0.08% 10.53%
SEFCU Services 9, -0.06% 0.99%
Bank of America 10, -0.05% 0.68%
Newrez 11, -0.05% 0.73%
Citizens Bank 12, -0.05% 1.88%
Nationstar Mortgage 13, -0.05% 7.92%
LoanDepot 14, -0.03% 0.47%
KeyBank National Association 15, -0.02% 2.24%
Reliance First Capital 16, -0.02% 0.05%
Navy Federal Credit Union 17, -0.01% 0.05%
Caliber Home Loans Inc 18, -0.01% 1.82%
Plaza Home Mortgage Inc 19, -0.00% 1.72%
NVR Mortgage Finance Inc 20, 0.01% 0.31%
Barrington Bank & Trust 21, 0.02% 0.21%
Syracuse Securities, Inc 22, 0.03% 0.16%
Wells Fargo Bank 23, 0.03% 0.26%
Fairport Savings Bank 24, 0.04% 0.73%
Movement Mortgage 25, 0.04% 3.23%
Guaranteed Rate Inc 26, 0.05% 1.56%
Flagstar Bank 27, 0.05% 1.93%
Royal United Mortgage 28, 0.06% 0.26%
Primelending 29, 0.09% 3.23%
Homestead Funding Corp 30, 0.10% 2.08%
Carrington Mortgage Services 31, 0.10% 0.31%
Hunt Mortgage Corporation 32, 0.28% 13.65%
Quicken Loans 33, 0.28% 10.06%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.05% 56.34%
M&T Bank 2, -0.05% 5.75%
Newrez 3, -0.04% 0.88%
Supreme Lending/ Everett Financial Inc 4, -0.04% 0.44%
Premium Mortgage Corporation 5, -0.03% 0.88%
Citizens Bank 6, -0.03% 1.47%
Reliance First Capital 7, -0.02% 1.92%
Home Point Financial Corporation 8, -0.01% 0.59%
Homestead Funding Corp 9, -0.00% 0.29%
1st Priority Mortgage Inc 10, -0.00% 0.15%
KeyBank National Association 11, -0.00% 0.29%
Movement Mortgage 12, 0.00% 0.74%
Caliber Home Loans Inc 13, 0.00% 0.29%
Plaza Home Mortgage Inc 14, 0.00% 0.29%
Hsbc Bank Usa 15, 0.01% 0.15%
Flagstar Bank 16, 0.01% 0.74%
Hunt Mortgage Corporation 17, 0.02% 0.44%
Freedom Mortgage Corporation 18, 0.02% 1.92%
Primelending 19, 0.03% 0.29%
Syracuse Securities, Inc 20, 0.03% 0.29%
Guaranteed Rate Inc 21, 0.03% 0.88%
Carrington Mortgage Services 22, 0.05% 3.98%
Royal United Mortgage 23, 0.08% 1.18%
LoanDepot 24, 0.10% 5.75%
Nationstar Mortgage 25, 0.16% 14.01%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.04% 7.91%
M&T Bank 2, -0.03% 33.09%
Bank of America 3, -0.00% 5.76%
Bank of Akron 4, 0.01% 0.72%
Citizens Bank 5, 0.01% 5.04%
1st Priority Mortgage Inc 6, 0.02% 1.44%
Primelending 7, 0.02% 2.16%
Five Star Bank 8, 0.02% 2.88%
Homestead Funding Corp 9, 0.02% 0.72%
JPMorgan Chase Bank 10, 0.02% 0.72%
CNB Bank 11, 0.02% 1.44%
Quicken Loans 12, 0.02% 0.72%
Hunt Mortgage Corporation 13, 0.03% 0.72%
KeyBank National Association 14, 0.03% 24.46%
Northwest Bank 15, 0.03% 7.91%
Fairport Savings Bank 16, 0.03% 2.16%
Carrington Mortgage Services 17, 0.05% 0.72%
Movement Mortgage 18, 0.05% 0.72%
Caliber Home Loans Inc 19, 0.05% 0.72%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.05% 9.57%
M&T Bank 2, -0.03% 32.98%
Bank of America 3, -0.01% 6.38%
Citizens Bank 4, 0.01% 5.32%
Primelending 5, 0.02% 3.19%
Homestead Funding Corp 6, 0.02% 1.06%
JPMorgan Chase Bank 7, 0.02% 1.06%
1st Priority Mortgage Inc 8, 0.03% 1.06%
Northwest Bank 9, 0.03% 6.38%
Hunt Mortgage Corporation 10, 0.03% 1.06%
Five Star Bank 11, 0.03% 2.13%
KeyBank National Association 12, 0.04% 25.53%
Fairport Savings Bank 13, 0.04% 2.13%
Movement Mortgage 14, 0.05% 1.06%
Caliber Home Loans Inc 15, 0.06% 1.06%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
M&T Bank 1, -0.03% 33.33%
Wells Fargo Bank 2, -0.01% 4.44%
Bank of America 3, 0.00% 4.44%
1st Priority Mortgage Inc 4, 0.01% 2.22%
Five Star Bank 5, 0.01% 4.44%
Bank of Akron 6, 0.01% 2.22%
Fairport Savings Bank 7, 0.01% 2.22%
KeyBank National Association 8, 0.01% 22.22%
CNB Bank 9, 0.02% 4.44%
Quicken Loans 10, 0.02% 2.22%
Northwest Bank 11, 0.03% 11.11%
Citizens Bank 12, 0.03% 4.44%
Carrington Mortgage Services 13, 0.05% 2.22%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.29% 6.64%
LoanDepot 2, -0.14% 3.92%
M&T Bank 3, -0.13% 3.92%
Premium Mortgage Corporation 4, -0.11% 11.97%
1st Priority Mortgage Inc 5, -0.04% 4.90%
KeyBank National Association 6, -0.03% 1.09%
Five Star Bank 7, -0.02% 1.09%
Reliance First Capital 8, -0.02% 0.87%
Plaza Home Mortgage Inc 9, -0.02% 1.09%
Home Point Financial Corporation 10, -0.01% 0.65%
Carrington Mortgage Services 11, -0.01% 1.52%
Citizens Bank 12, -0.00% 1.85%
Newrez 13, -0.00% 0.44%
SEFCU Services 14, -0.00% 0.54%
Freedom Mortgage Corporation 15, -0.00% 0.87%
Nationstar Mortgage 16, 0.00% 4.79%
Supreme Lending/ Everett Financial Inc 17, 0.01% 0.22%
Caliber Home Loans Inc 18, 0.01% 0.54%
Syracuse Securities, Inc 19, 0.02% 0.33%
Bank of America 20, 0.02% 0.11%
Primelending 21, 0.03% 1.20%
Fairport Savings Bank 22, 0.03% 0.44%
Homestead Funding Corp 23, 0.03% 2.29%
Wells Fargo Bank 24, 0.04% 1.31%
Royal United Mortgage 25, 0.04% 0.76%
Guaranteed Rate Inc 26, 0.04% 1.09%
Usaa Federal Savings Bank 27, 0.05% 11.21%
Movement Mortgage 28, 0.05% 1.63%
NVR Mortgage Finance Inc 29, 0.06% 0.76%
Hunt Mortgage Corporation 30, 0.08% 7.83%
Barrington Bank & Trust 31, 0.09% 2.94%
Flagstar Bank 32, 0.10% 2.29%
Quicken Loans 33, 0.14% 18.93%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.29% 8.99%
M&T Bank 2, -0.13% 5.14%
Premium Mortgage Corporation 3, -0.10% 17.01%
1st Priority Mortgage Inc 4, -0.02% 7.22%
KeyBank National Association 5, -0.01% 1.61%
Five Star Bank 6, -0.01% 1.44%
Citizens Bank 7, -0.01% 1.77%
Plaza Home Mortgage Inc 8, 0.01% 1.28%
Freedom Mortgage Corporation 9, 0.01% 0.32%
Home Point Financial Corporation 10, 0.02% 0.48%
SEFCU Services 11, 0.02% 0.48%
Nationstar Mortgage 12, 0.02% 4.49%
Supreme Lending/ Everett Financial Inc 13, 0.03% 0.32%
LoanDepot 14, 0.03% 0.48%
Newrez 15, 0.04% 0.32%
Syracuse Securities, Inc 16, 0.04% 0.48%
Bank of America 17, 0.04% 0.16%
Royal United Mortgage 18, 0.05% 0.16%
Primelending 19, 0.05% 1.77%
Fairport Savings Bank 20, 0.05% 0.64%
Carrington Mortgage Services 21, 0.05% 0.32%
Homestead Funding Corp 22, 0.06% 3.05%
Wells Fargo Bank 23, 0.06% 1.77%
Caliber Home Loans Inc 24, 0.06% 0.48%
Guaranteed Rate Inc 25, 0.06% 1.44%
NVR Mortgage Finance Inc 26, 0.08% 1.12%
Movement Mortgage 27, 0.09% 1.93%
Hunt Mortgage Corporation 28, 0.10% 11.24%
Usaa Federal Savings Bank 29, 0.12% 12.68%
Quicken Loans 30, 0.12% 5.30%
Barrington Bank & Trust 31, 0.13% 3.69%
Flagstar Bank 32, 0.16% 2.41%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
LoanDepot 1, -0.20% 11.15%
Usaa Federal Savings Bank 2, -0.14% 8.11%
Caliber Home Loans Inc 3, -0.07% 0.68%
Plaza Home Mortgage Inc 4, -0.07% 0.68%
Newrez 5, -0.07% 0.68%
Reliance First Capital 6, -0.06% 2.70%
Home Point Financial Corporation 7, -0.06% 1.01%
Flagstar Bank 8, -0.06% 2.03%
Carrington Mortgage Services 9, -0.06% 4.05%
Navy Federal Credit Union 10, -0.05% 1.69%
Premium Mortgage Corporation 11, -0.05% 1.35%
Barrington Bank & Trust 12, -0.05% 1.35%
M&T Bank 13, -0.05% 1.35%
SEFCU Services 14, -0.05% 0.68%
Five Star Bank 15, -0.05% 0.34%
Movement Mortgage 16, -0.05% 1.01%
Freedom Mortgage Corporation 17, -0.04% 2.03%
Hunt Mortgage Corporation 18, -0.04% 0.68%
Guaranteed Rate Inc 19, -0.04% 0.34%
Nationstar Mortgage 20, -0.03% 5.41%
Wells Fargo Bank 21, -0.03% 0.34%
Homestead Funding Corp 22, -0.03% 0.68%
Citizens Bank 23, -0.01% 2.03%
Royal United Mortgage 24, -0.00% 2.03%
Quicken Loans 25, 0.10% 47.64%

* Data is compiled for the Buffalo, NY commuting zone area, which comprises of counties of Allegany County, NY, Cattaraugus County, NY, Erie County, NY, Genesee County, NY, Niagara County, NY, and Wyoming County, NY. This includes cities/towns/communities of Buffalo, NY as well as Tonawanda, NY, Cheektowaga, NY, West Seneca, NY, North Tonawanda, NY, Niagara Falls, NY, Orchard Park, NY, Hamburg, NY, Eggertsville, NY, Wanakah, NY, Lockport, NY, Kenmore, NY, Williamsville, NY, Depew, NY, Sanborn, NY, Elma Center, NY, Harris Hill, NY, Grandyle Village, NY, Billington Heights, NY, Lancaster, NY, Rapids, NY, Batavia, NY, Lackawanna, NY, Town Line, NY, Clarence, NY, South Lockport, NY, East Aurora, NY, North Boston, NY, Akron, NY, Ransomville, NY, Clarence Center, NY, Angola on the Lake, NY, Le Roy, NY, Gasport, NY, Olean, NY, Ellicottville, NY, Eden, NY, Corfu, NY, Newfane, NY, Bergen, NY, Strykersville, NY, Oakfield, NY, North Collins, NY, Warsaw, NY, Lake Erie Beach, NY, Alexander, NY, West Valley, NY, Belfast, NY, Holland, NY, Springville, NY, and Youngstown, NY. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings for Other Cities

This page ranks the top mortgage lenders in the Buffalo, NY area. For mortgage lender rankings of other cities, click here.