Mortgage lending in Buffalo-Cheektowaga, NY
20,126 mortgages were originated in the Buffalo-Cheektowaga, NY area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 20,126
- Median rate
- 6.500%
- Median lender fees
- $5,152
- Median loan amount
- $185,000
- Median spread over APOR
- 0.235
- Paid discount points
- 34.3%
- Received lender credits
- 22.1%
- Purchases / refinances
- 50% / 26.4%
- Conventional / FHA / VA
- 86.3% / 9.7% / 4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 62.8% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Buffalo-Cheektowaga, NY area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Manufacturers and Traders Trust Company | 2,488 | $4,952 | 5.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,947 | $7,758 | 6.450% |
| Rocket Mortgage, LLC | 1,538 | $5,749 | 6.750% |
| Citizens Bank, National Association | 1,506 | $5,348 | 8.400% |
| PREMIUM MORTGAGE CORPORATION | 1,426 | $4,345 | 6.625% |
| KeyBank National Association | 966 | $4,190 | 6.500% |
| Northwest Bank | 772 | $3,204 | 6.250% |
| CROSSCOUNTRY MORTGAGE, INC. | 764 | $6,554 | 6.750% |
| Cornerstone Community Federal Credit Union | 722 | $4,879 | 3.990% |
| 1ST PRIORITY MORTGAGE, INC. | 517 | $4,594 | 6.625% |