Mortgage Lenders and Brokers in Buffalo, New York
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Buffalo, New York mortgage lenders include M&T BankM&T Bank1580 Hertel Ave, Buffalo, NY 14216A+5.0 ★Texas Ratio: 4.11%, Keybank National AssociationKeybank National Association274 Elmwood Ave, Buffalo, NY 14222A+5.0 ★Texas Ratio: 4.81%, Bank of America NABank of America NA2389 Fillmore Ave, Buffalo, NY 14214A+5.0 ★Texas Ratio: 4.14%, Northwest BankNorthwest Bank14 Lafayette Sq, Buffalo, NY 14203A+5.0 ★Texas Ratio: 3.99%, Community Bank, N.A.Community Bank, N.A.1091 Main St, Buffalo, NY 14209A+5.0 ★Texas Ratio: 3.83%, Five Star BankFive Star Bank40 50 Fountain Plaza Suite 150, Buffalo, NY 14202A+5.0 ★Texas Ratio: 5.67%, Nbt Bank NANbt Bank NA419 Monroe St, Buffalo, NY 14212A+5.0 ★Texas Ratio: 3.43%, Citizens Bank, NACitizens Bank, NA2101 Elmwood Ave, Buffalo, NY 14207A+5.0 ★Texas Ratio: 5.44%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA572 Amherst St, Buffalo, NY 14207A+5.0 ★Texas Ratio: 3.68%, and Cnb BankCnb Bank683 Northland Ave, Buffalo, NY 14211A5.0 ★Texas Ratio: 6.26%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Buffalo, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Buffalo are listed first, then lenders elsewhere in New York, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Buffalo, New York
Market share is the lender's share of all home loans closed in Buffalo, New York. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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18 offices in Buffalo 1580 Hertel Ave, Buffalo, NY 14216 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, VA, Jumbo, HELOC | 224 +148 HELOCs |
12.2% | 91.3% | $235,892 | View |
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12 offices in Buffalo 274 Elmwood Ave, Buffalo, NY 14222 A+5.0 ★Texas Ratio: 4.81% |
Conventional, FHA, HELOC | 124 +20 HELOCs |
6.7% | 66.8% | $182,822 | View |
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10 offices in Buffalo 2389 Fillmore Ave, Buffalo, NY 14214 A+5.0 ★Texas Ratio: 4.14% |
Conventional, FHA, Jumbo, HELOC | 50 +14 HELOCs |
2.7% | 89.3% | $232,200 | View |
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6 offices in Buffalo 14 Lafayette Sq, Buffalo, NY 14203 A+5.0 ★Texas Ratio: 3.99% |
Conventional, FHA, Jumbo, HELOC | 47 +43 HELOCs |
2.6% | 79.7% | $227,553 | View |
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1 office in Buffalo 1091 Main St, Buffalo, NY 14209 A+5.0 ★Texas Ratio: 3.83% |
Conventional, HELOC | 44 +6 HELOCs |
2.4% | 83% | $183,636 | View |
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3 offices in Buffalo 40 50 Fountain Plaza Suite 150, Buffalo, NY 14202 A+5.0 ★Texas Ratio: 5.67% |
Conventional, FHA, HELOC | 36 +3 HELOCs |
2% | 84.4% | $230,000 | View |
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4 offices in Buffalo 419 Monroe St, Buffalo, NY 14212 A+5.0 ★Texas Ratio: 3.43% |
Conventional, FHA, HELOC | 26 +12 HELOCs |
1.4% | 90% | $221,923 | View |
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8 offices in Buffalo 2101 Elmwood Ave, Buffalo, NY 14207 A+5.0 ★Texas Ratio: 5.44% |
Conventional, FHA, HELOC | 23 +148 HELOCs |
1.2% | 82.8% | $160,652 | View |
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2 offices in Buffalo 572 Amherst St, Buffalo, NY 14207 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, HELOC | 15 +1 HELOCs |
0.8% | 71.4% | $284,333 | View |
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4 offices in Buffalo 683 Northland Ave, Buffalo, NY 14211 A5.0 ★Texas Ratio: 6.26% |
Conventional, HELOC | 10 +16 HELOCs |
0.5% | 84.6% | $341,000 | View |
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★ 5 stars, 1 review 1 office in Buffalo 1 Hopkins Rd, Buffalo, NY 14221 A5.0 ★Texas Ratio: 6.37% |
Conventional, HELOC | 2 +1 HELOCs |
0.1% | 100% | $300,000 | View |
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2265 Sheridan Dr, Buffalo, NY 14223 1531 A+5.0 ★Texas Ratio: 3.29% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
Hunt Mortgage Corporation
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Conventional, FHA, VA | 52 | 2.8% | 93% | $250,000 | |
St. Josephs Parish Federal Credit Union
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Conventional | 8 | 0.4% | 100% | $147,500 | |
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2290 Delaware Ave Ste 100, BUFFALO, NY 14216 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 10 +14 HELOCs |
0.5% | 47.6% | $136,000 | View |
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264 E MAIN ST, FREDONIA, NY 14063 1412 A+5.0 ★Texas Ratio: 1.45% |
Conventional, HELOC | 9 +19 HELOCs |
0.5% | 58.8% | $52,777 | View |
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180 N Main St, Alfred, NY 14802 A5.0 ★Texas Ratio: 8.82% |
Conventional | 7 | 0.4% | 100% | $260,714 | View |
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315 Stahl Rd, Getzville, NY 14068 B+4.8 ★Texas Ratio: 17.18% |
Conventional, HELOC | 6 +29 HELOCs |
0.3% | 75% | $270,000 | View |
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13216 Broadway St, Alden, NY 14004 A5.0 ★Texas Ratio: 11.55% |
Conventional | 6 | 0.3% | 100% | $316,666 | View |
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130 S Elmwood Ave Ste 147, Buffalo, NY 14202 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 6 | 0.3% | 100% | $108,333 | View |
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3031 William St, Cheektowaga, NY 14227 A+5.0 ★Texas Ratio: 0.27% |
Conventional | 5 | 0.3% | 83.3% | $59,000 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 5 | 0.3% | 83.3% | $181,000 | View |
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65 state st, Auburn, NY 13021 A5.0 ★Texas Ratio: 7.78% |
Conventional, HELOC | 4 +11 HELOCs |
0.2% | 50% | $172,500 | View |
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3291 Lake Shore Rd, Blasdell, NY 14219 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 4 | 0.2% | 80% | $150,000 | View |
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3811 LAKE SHORE RD, BLASDELL, NY 14219 A+5.0 ★Texas Ratio: 0.20% |
Conventional | 3 | 0.2% | 100% | $135,000 | View |
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8100 Transit Road Suite 500, Amherst, NY 14221 A+5.0 ★Texas Ratio: 4.86% |
Conventional | 3 | 0.2% | 100% | $185,000 | View |
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3105 Broadway, Astoria, NY 11106 C+4.1 ★Texas Ratio: 25.91% |
Conventional | 3 | 0.2% | 75% | $181,666 | View |
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1000 Willis Ave, Albertson, NY 11507 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 3 | 0.2% | 60% | $231,666 | View |
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125 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 3 | 0.2% | 75% | $435,000 | View |
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1165 Main St, Dunkirk, NY 14048 A5.0 ★Texas Ratio: 13.81% |
Conventional | 2 | 0.1% | 100% | $355,000 | View |
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1850 Winton Rd S, Rochester, NY 14618 A+5.0 ★Texas Ratio: 3.91% |
FHA | 2 | 0.1% | 50% | $195,000 | View |
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1145 Willis Ave, Albertson, NY 11507 1232 B+4.8 ★Texas Ratio: 17.52% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $155,000 | View |
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110 Merrick Rd, Amityville, NY 11701 D3.3 ★Texas Ratio: 35.11% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 33.3% | $85,000 | View |
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1704 Western Ave Ste 7, Albany, NY 12203 A+5.0 ★Texas Ratio: 3.35% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $75,000 | View |
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6002 NY 31, Cicero, NY 13039 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 0.1% | 100% | $555,000 | View |
Moog Employees FCU
7181 SENECA St, EAST AURORA, NY 14052 0018 |
Conventional | 1 | 0.1% | 100% | $55,000 | |
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★ 1 stars, 1 review 295 Grant Ave, Auburn, NY 13021 A-5.0 ★Texas Ratio: 14.76% |
Conventional | 1 | 0.1% | 100% | $145,000 | View |
Niagara's Choice FCU
260 West Ave, Lockport, NY 14094 |
Conventional | 1 | 0.1% | 100% | $105,000 | |
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3438 Delaware Ave, Buffalo, NY 14217 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 1 | 0.1% | 33.3% | $45,000 | View |
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180 N Main St, Alfred, NY 14802 A+5.0 ★Texas Ratio: 2.25% |
Conventional | 1 | 0.1% | 100% | $535,000 | View |
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353 E 149th St, Bronx, NY 10455 A5.0 ★Texas Ratio: 8.74% |
Conventional | 1 | 0.1% | 100% | $25,000 | View |
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8252 N Main St, Eden, NY 14057 A+5.0 ★Texas Ratio: 1.14% |
Conventional | 1 | 0.1% | 50% | $45,000 | View |
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252 Broadway, Brooklyn, NY 11211 A5.0 ★Texas Ratio: 9.27% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
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2000 Westchester Ave, Purchase, NY 10577 A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.1% | 100% | $1,025,000 | View |
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390 E Henrietta Rd, Rochester, NY 14620 A5.0 ★Texas Ratio: 10.59% |
Conventional, Jumbo | 1 | 0.1% | 100% | $1,005,000 | View |
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598 Main St, Buffalo, NY 14202 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +38 HELOCs |
0% | 0% | ||
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6411 Campbell Blvd, Lockport, NY 14094 A+5.0 ★Texas Ratio: 4.72% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Better Mortgage Corporation
300 Crosspoint Pkwy, Getzville, NY 14068 1606 |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
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★ 1.7 stars, 3 reviews 200 Broadway, New York, NY 10038 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Premium Mortgage Corporation
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Conventional, FHA, VA | 149 | 8.1% | 96.1% | $265,268 | |
1St Priority Mortgage, Inc.
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Conventional, FHA | 38 | 2.1% | 84.4% | $248,947 | |
Homestead Funding Corp.
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Conventional, FHA | 20 | 1.1% | 100% | $223,000 | |
Evans Bank NA
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Conventional, HELOC | 15 +4 HELOCs |
0.8% | 100% | $221,000 | |
Reliance First Capital, LLC
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Conventional, FHA, VA | 14 | 0.8% | 100% | $140,714 | |
OwnersChoice Funding, Inc.
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Conventional | 6 | 0.3% | 66.7% | $190,000 | |
Meadowbrook Financial Mortgage Bankers Corp.
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Conventional | 6 | 0.3% | 100% | $135,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional, VA | 5 | 0.3% | 100% | $215,000 | |
Hometown Funding, INC. D/B/A CNB Mortgage Company
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Conventional | 2 | 0.1% | 100% | $150,000 | |
Cliffco, Inc.
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Conventional | 1 | 0.1% | 100% | $275,000 | |
East Coast Capital Corp.
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FHA | 1 | 0.1% | 100% | $145,000 | |
Ark Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $305,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 244 +1 HELOCs |
13.2% | 89.3% | $240,737 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 192 | 10.4% | 75.7% | $164,531 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 118 | 6.4% | 94.4% | $266,864 | |
Uif Corporation
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Conventional | 25 | 1.4% | 80.6% | $176,600 | |
Guidance Residential, LLC
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Conventional | 19 | 1% | 92.3% | $158,684 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 18 | 1% | 87.5% | $287,222 | |
Nationstar Mortgage
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Conventional, FHA, VA | 17 | 0.9% | 81% | $125,588 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 16 | 0.9% | 77.3% | $280,000 | |
Royal United Mortgage LLC
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Conventional, FHA | 15 | 0.8% | 71.4% | $112,333 | |
loanDepot.com LLC
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Conventional, FHA, VA | 15 | 0.8% | 53.6% | $90,333 | |
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D3.5 ★Texas Ratio: 32.93% |
Conventional, FHA, VA | 14 | 0.8% | 77.8% | $256,428 | View |
American Financial Network, Inc.
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Conventional, FHA, VA | 14 | 0.8% | 100% | $210,000 | |
Mortgage Research Center
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Conventional, VA | 11 | 0.6% | 73.3% | $223,181 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 11 | 0.6% | 55% | $265,000 | |
Cmg Mortgage Inc
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Conventional, FHA | 9 | 0.5% | 84.6% | $161,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 7 +7 HELOCs |
0.4% | 53.8% | $232,142 | |
Newrez LLC
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Conventional, FHA, VA | 7 | 0.4% | 36.8% | $257,857 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional, VA | 7 | 0.4% | 87.5% | $215,000 | View |
Discover Bank
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Conventional | 6 | 0.3% | 15% | $81,666 | |
Fairway Independent Mort Corp
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Conventional | 5 | 0.3% | 100% | $221,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 4 | 0.2% | 100% | $165,000 | View |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 4 | 0.2% | 100% | $455,000 | |
Freedom Mortgage Corporation
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Conventional, FHA | 4 | 0.2% | 80% | $230,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA | 3 | 0.2% | 57.1% | $91,666 | View |
United Trust Bank
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VA | 3 | 0.2% | 100% | $218,333 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 3 | 0.2% | 75% | $565,000 | View |
Pentagon Federal Credit Union
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Conventional, HELOC | 2 +1 HELOCs |
0.1% | 100% | $450,000 | |
Alliant Credit Union
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Conventional, Jumbo | 2 | 0.1% | 100% | $955,000 | |
Nbkc Bank
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Conventional, VA | 2 | 0.1% | 100% | $270,000 | |
Total Mortgage Services, LLC
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Conventional | 2 | 0.1% | 100% | $510,000 | |
Planet Home Lending, LLC
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Conventional, VA | 2 | 0.1% | 100% | $180,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
FHA, VA | 2 | 0.1% | 66.7% | $165,000 | View |
Carrington Mortgage Services LLC
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Conventional, VA | 2 | 0.1% | 60% | $225,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA | 2 | 0.1% | 100% | $180,000 | |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +3 HELOCs |
0.1% | 33.3% | $135,000 | |
American Airlines Federal Cred
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Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $65,000 | |
Arc Home LLC
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Conventional | 1 | 0.1% | 100% | $135,000 | |
Primelending
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Conventional | 1 | 0.1% | 100% | $625,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.1% | 100% | $265,000 | View |
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A5.0 ★Texas Ratio: 11.06% |
FHA | 1 | 0.1% | 100% | $305,000 | View |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $255,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $325,000 | |
Dart Bank
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Conventional | 1 | 0.1% | 100% | $295,000 | |
Absolute Home Mortgage
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Conventional | 1 | 0.1% | 100% | $195,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.1% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 1.41% |
VA | 1 | 0.1% | 100% | $145,000 | View |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.1% | 100% | $45,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.1% | 100% | $315,000 | View |
Pike Creek Mortgage Services, Inc.
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FHA | 1 | 0.1% | 100% | $265,000 | |
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A5.0 ★Texas Ratio: 7.51% |
FHA | 1 | 0.1% | 100% | $395,000 | View |
New American Funding, LLC.
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FHA | 1 | 0.1% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.1% | 100% | $225,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
Texana Bank
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FHA | 1 | 0.1% | 50% | $285,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | 0% | View |
Buffalo Mortgage Rate Trends
Daily average mortgage rates for New York compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Buffalo, New York
Looking for mortgage lenders near me or mortgage brokers near me in Buffalo? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Buffalo in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Buffalo, NY
Use these to narrow the list above. Each category shows how many Buffalo, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Buffalo, NY
Independent mortgage companies closed 56.8 percent of home loans in Buffalo, New York in 2025, banks 38.5 percent and credit unions 4.6 percent. Hunt Mortgage Corporation was the largest mortgage company, M&T Bank the largest bank and Kenmore N.Y. Teachers Federal Credit Union the largest credit union. Among lenders headquartered in New York, M&T Bank led with 224 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in New York. State mortgage recording tax of 0.5 percent plus a 0.25 percent special additional tax (paid by the lender on one to six family homes) and 0.25 percent more in the MCTD counties; in New York City the combined rate is 2.05 percent under $500,000 and 2.175 percent at or above, of which the borrower effectively pays 1.8 or 1.925 percent. State transfer tax is $2 per $500 plus a 1 percent mansion tax on homes of $1 million or more; NYC adds its own 1 to 1.425 percent RPTT. A CEMA (consolidation, extension and modification agreement) assigns the old mortgage to the new lender so recording tax is paid only on new money, and is standard practice for refinances and many purchases.
More New York Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Buffalo, NY
By home loans closed in 2025, M&T Bank was the largest mortgage lender in Buffalo, New York with 224 loans, about 12.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Buffalo, New York, Premium Mortgage Corporation approved the highest share of completed applications in 2025 at 96.1 percent, against a 81.8 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
38 lenders closed FHA loans in Buffalo, New York in 2025, led by United Wholesale Mortgage with 60. 26 lenders closed VA loans, led by Rocket Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 45 banks and 27 credit unions closed home loans in Buffalo, New York in 2025, alongside 45 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Buffalo, New York during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Buffalo, New York for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Buffalo. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
