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About
At Cross State Funding, home isn't just what we help you buy. It's who we are. We're a family-owned Buffalo mortgage broker (Company NMLS #98185) based in North Tonawanda, NY, helping families across Western New York and beyond turn homeownership dreams into reality, one neighbor at a time.
Our mission
Getting a mortgage in Buffalo and Western New York should feel exciting, not stressful. Whether you're a first-time buyer, upgrading to your dream home, or exploring a refinance, our local team is here to guide you every step of the way.
Founded and family-owned right here in Western New York. We treat every client like part of our family, because that's how we do business.
As an independent mortgage broker, we have access to hundreds of top lenders, so we can shop competitive rates, flexible terms, and faster approvals across the board.
No confusing jargon, no hidden surprises. If a refi, equity tap, or purchase strategy doesn't make sense for you, we'll say so.
A real office on Oliver Street in North Tonawanda, real phones, and a real team. Not a national call center reading from a script.
#98185
Company NMLS
Verifiable on NMLS Consumer Access.
Hundreds
Lender partners
One conversation, real pricing comparisons across our lender network.
NY · FL
Authorized in
Based in North Tonawanda, NY. Reach out to confirm program availability for your scenario.
Why choose us
As one of Western New York's top-rated mortgage brokers, we combine local knowledge with cutting-edge technology to make the process faster and simpler. With us, you're not just getting a mortgage. You're gaining a trusted partner dedicated to your long-term financial success.
We're not your typical 9-to-5 mortgage company. You'll always have direct access to your loan officer, by call or text, because questions don't always wait for business hours.
Four of New York's top-producing loan originators work side by side here. That's a lot of combined experience across purchase, refinance, jumbo, FHA, VA, and USDA programs, pulling from the same playbook for your file.
We pair deep Buffalo-area market knowledge with secure, modern tech: encrypted intake, secure document handling, and a lender portal for the formal application stage. Modern, never impersonal.
The people behind the file
Names, NMLS IDs, and direct lines for every originator on our family-owned Buffalo team.
Where we work
Proudly serving homebuyers and homeowners across New York State (including Buffalo, Western New York, Rochester, Syracuse, Albany, and the five boroughs of New York City) and licensed to serve clients throughout Florida.
Our team proudly serves Buffalo, Niagara Falls, Amherst, Tonawanda, North Tonawanda, Rochester, Syracuse, Albany, New York City, Florida. Explore each market on its dedicated page or see all service areas.
Your Home. Your Goals. Our Expertise.
Visit us
Cross State Funding Corp.
416 Oliver Street, North Tonawanda, NY 14120
Loans are arranged through 3rd-party lenders. Registered Mortgage Broker, New York State Department of Financial Services.
Connect with our experts today
Whether you're ready for a fast prequalification, want an honest rate conversation, or need a second opinion on a quote you already have, we're here. Family-owned, local, and easy to reach. No spam, no surprise fees, no obligation.