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5 Best Mortgage Brokers in Buffalo (2026)

Ranked by real Google ratings and review volume · How we chose

Lorian Hartfield
By Lorian Hartfield, Real Estate and Financial Expert · ✓ Updated · 6 min read

We compared 16 mortgage brokers in Buffalo on Google Maps · 5 listed · How we rank

Financing a home is usually the biggest paperwork job you'll ever sign, and the person guiding it matters as much as the rate. The mortgage brokers in Buffalo below, along with the direct lenders and a homebuyer program that appear beside them, hold more than 1,700 Google reviews between them, all rated 4.6 or higher.

Short answer: 1st Priority Mortgage, Inc., a mortgage lender in Amherst, has the most reviews on this page, with 4.9 stars from more than 640 Google reviews. Queen City Funding, Inc. and Nickel City Funding, Inc. call themselves mortgage brokers, HUNT Mortgage is a lender, and NACA is a non-profit homebuyer program.
Jump to a business

Brokers, lenders and a homebuyer program: how they differ

# Business Rating Reviews Best for
1 1st Priority Mortgage, Inc. 4.9 ★ 647 Direct lender with a mobile app View ›
2 HUNT Mortgage 4.9 ★ 351 First-time buyers and pre-approvals View ›
3 Queen City Funding, Inc. 4.9 ★ 233 Brokered loans, VA and out-of-state purchases View ›
4 NACA 4.6 ★ 325 No-down-payment homebuyer program View ›
5 Nickel City Funding, Inc. 4.8 ★ 227 Purchase, refinance and VA/FHA loans View ›
5 Best Mortgage Brokers in Buffalo (2026)

The mortgage options, one by one

1st Priority Mortgage, Inc. logo
#1 Overall🕑 Open 7 days

1st Priority Mortgage, Inc.

4.9647 Google reviews

1st Priority Mortgage, Inc. is a mortgage lender with an office on Sheridan Drive in Amherst, listed on Google as open seven days a week. It is a lender rather than a broker, so it originates loans itself. Reviewers describe purchase mortgages for first-time buyers, a mobile app for signing documents and a program that helps buyers make a cash-style offer.

What people praise

  • Loan officers described as available and quick to answer questions
  • Documents signed in an app, with one reviewer reporting a closing in under an hour
  • A first-time buyer without a realtor says he relied heavily on the loan officer
  • A line-by-line breakdown of the mortgage, one reviewer says

Worth knowing

  • Based in Amherst rather than in the city itself
  • Confirm the programs on offer by phone
Reputation scorecardrank in Buffalo
Rating4.9 / 5
Review volume647 · 97th
Confidencevery high
Recency3 months ago
Info completenesssite · phone · hours
Rating breakdown95% 5-star
✓ VerifiedSource: Google

Our take: The most-reviewed name here and a strong choice for buyers who want a direct lender with an app-based process.

Website+1716-651-5626 Directions

6000 Sheridan Dr Suite A, Amherst, NY 14221

HU
#2🕑 Open 5 days/wk

HUNT Mortgage

4.9351 Google reviews

HUNT Mortgage is a mortgage lender with an office on Main Street in Buffalo, open weekdays. It is a lender rather than a broker. Reviewers describe first-time buyers walked through the mortgage process and pre-approvals for clients of real estate agents.

What people praise

  • Loan officer praised for answering questions in plain terms
  • Responsive at any time of day or week, according to one first-time buyer
  • Detailed explanations at each step
  • Recommended to real estate agents who need a pre-approval, one reviewer says

Worth knowing

  • Confirm which loan programs it offers by phone before you apply
Reputation scorecardrank in Buffalo
Rating4.9 / 5
Review volume351 · 91st
Confidencehigh
Recency2 years ago
Info completenesssite · phone · hours
Rating breakdown96% 5-star
✓ VerifiedSource: Google

Our take: A well-reviewed lender for first-time buyers who want patient explanations.

Website+1888-433-8373 Directions

403 Main St #210, Buffalo, NY 14203

Queen City Funding, Inc. logo
#3🕑 Open 5 days/wk↩ Responds to reviews

Queen City Funding, Inc.

4.9233 Google reviews

Queen City Funding, Inc. is a mortgage broker on Sweet Home Road in Buffalo. Its site title describes a New York and Florida mortgage broker handling purchase and refinance loans, including CEMA, and it says it specializes in a wide variety of loan programs. Reviewers mention a VA loan, a first home purchase and a Florida home purchase.

What people praise

  • Quick answers by text or phone, reviewers say
  • A VA mortgage that one buyer says was cleared to close in three weeks
  • A detailed written breakdown of an approval, according to a first-time buyer
  • Help with a Florida home purchase

Worth knowing

  • Ask which loan programs fit your situation when you call
Reputation scorecardrank in Buffalo
Rating4.9 / 5
Review volume233 · 78th
Confidencehigh
Recency8 weeks ago
Info completenesssite · phone · hours
Rating breakdown97% 5-star
✓ VerifiedSource: Google

Our take: A broker worth calling for VA loans, first-time purchases or an out-of-state home.

Website+1716-799-0846 Directions

1416 Sweet Home Rd #9b, Buffalo, NY 14228

NACA logo
#4🕑 Open 6 days/wk

NACA

4.6325 Google reviews

NACA, short for Neighborhood Assistance Corporation of America, is a non-profit homebuyer program with an office on Delaware Avenue in Buffalo. It is not a traditional mortgage broker. Reviewers describe a counselor-led process with training, documentation and a loan application, and mention no down payment, no closing costs and below-market interest rates.

What people praise

  • Counselors described as responsive, supportive and clear
  • Reviewers highlight the program's focus on affordability
  • Spanish-speaking support, one reviewer notes
  • Reviewers say the program works for buyers who may not have a high credit score

Worth knowing

  • Applicants describe a process that takes organization and follow-through, and some find it challenging
  • Terms and eligibility are set by the program, so confirm what applies to you
Reputation scorecardrank in Buffalo
Rating4.6 / 5
Review volume325 · 84th
Confidencehigh
Recency5 months ago
Info completenesssite · phone · hours
Rating breakdown83% 5-star
✓ VerifiedSource: Google

Our take: A different route from a standard broker, built around affordability and counselling. Read the program terms carefully.

Website+1716-834-6222 Directions

135 Delaware Ave #102, Buffalo, NY 14202

NI
#5🕑 Open 5 days/wk↩ Responds to reviews

Nickel City Funding, Inc.

4.8227 Google reviews

Nickel City Funding, Inc. is a mortgage broker on Seneca Street in West Seneca. Its site describes itself as a local mortgage broker and lists refinancing, VA, FHA, DSCR, conventional, USDA and one-time construction loans, with loan specialists serving New York and Florida.

What people praise

  • A quick pre-approval, according to one buyer
  • Reviewers say staff are patient when a buyer is selling one home while buying another
  • Accurate, realistic numbers and clear explanations, one reviewer says
  • A buyer was connected with a law firm for the closing, one reviewer notes

Worth knowing

  • Based in West Seneca rather than in the city itself
Reputation scorecardrank in Buffalo
Rating4.8 / 5
Review volume227 · 72nd
Confidencehigh
Recency4 weeks ago
Info completenesssite · phone · hours
Rating breakdown94% 5-star
✓ VerifiedSource: Google

Our take: A broker with a long loan menu and warm reviews from first-time buyers and a returning client.

Website+1716-558-5200 Directions

3460 Seneca St, West Seneca, NY 14224

6

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How the scores work

Rating is the live Google star average. Review volume is how many customers have rated each business, compared with the others in Buffalo. Confidence weighs the rating by that volume, so a 4.9 from more than 600 people counts for more than a 4.9 from a few dozen. Recency shows how recently customers are still leaving reviews. Ratings reflect customer experience, not the rates or terms any business offers.

What drives mortgage costs in Buffalo?

No prices are published here, and mortgage costs depend on your loan amount, credit profile, loan program and down payment. Ask each business for a written estimate of the interest rate, closing costs and any fees, and compare them side by side. Nothing on this page guarantees an approval or a rate.

Mortgage help near you in Buffalo

These businesses work from offices on Main Street, Delaware Avenue and Sweet Home Road in Buffalo, plus Sheridan Drive in Amherst and Seneca Street in West Seneca. Queen City Funding and Nickel City Funding also work with buyers in Florida. If you’re searching for a mortgage broker near me, start with the office closest to you and ask which loan programs fit your situation.

What to ask before you apply for a mortgage

  • Are you a broker or a direct lender, and how are you paid?
  • Can I have a written estimate of the rate, closing costs and fees?
  • Which loan programs fit my situation, such as VA, FHA or conventional?
  • How long do you take to issue a pre-approval?
  • Who will be my main contact through closing?

Frequently asked questions

What is the difference between a mortgage broker and a lender in Buffalo?

A broker shops your application to lenders, while a lender funds its own loans. On this page, Queen City Funding and Nickel City Funding describe themselves as brokers, while 1st Priority Mortgage and HUNT Mortgage are lenders.

Which Buffalo option is for first-time homebuyers?

Reviewers of 1st Priority Mortgage, HUNT Mortgage, Queen City Funding and Nickel City Funding all describe first-time purchases. NACA is a non-profit homebuyer program whose reviewers mention no down payment and no closing costs, so check its eligibility rules.

Does anyone here handle VA loans?

A Queen City Funding reviewer describes a VA mortgage, and Nickel City Funding’s site lists VA loans among its programs. Ask each business whether your situation qualifies.

Can these businesses help if I’m buying a home in Florida?

Queen City Funding’s site describes New York and Florida mortgage service, and Nickel City Funding’s site says its loan specialists serve New York and Florida. A Queen City Funding reviewer describes a Florida home purchase.

Where to begin

1st Priority Mortgage, Inc. is the safe starting point on review volume, and Queen City Funding and Nickel City Funding are the ones to call if you specifically want a broker. Whoever you choose, compare written estimates before committing.

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