Safe Rate Rankings

Best Conventional Mortgage Lenders in Bismarck

Updated May 26, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders20

Total Loans1,154

Median Rate Spread0.05%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Gate City BankBank	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,557Fees	0.404%Below	254
2	Dakota Community Bank & Trust, National AssociationBank	Exceptional	Strong	Strong	Strong	Exceptional	$2,779Fees	0.413%Below	118
3	CAPITALCredit Union	Exceptional	Sound	Strong	Exceptional	Exceptional	$3,270Fees	0.022%Below	135
4	First International Bank & TrustBank	Exceptional	Sound	Strong	Exceptional	Exceptional	$2,022Fees	0.013%Below	97
5	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$577Fees	0.062%Below	23
6	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,869Fees	0.062%Below	59
7	FIRST COMMUNITY CREDIT UNIONCredit Union	Strong	Strong	Strong	Sound	Strong	$2,596Fees	0.482%Below	27
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,729Fees	0.281%Above	70
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,644Fees	0.149%Above	54
10	First Western Bank & TrustBank	Strong	Sound	Strong	Strong	Strong	$2,971Fees	0.042%Below	27
11	First Federal BankBank	Strong	Strong	Strong	Sound	Sound	$1,329Fees	0.257%Below	10
12	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,647Fees	0.028%Below	56
13	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,230Fees	0.183%Above	52
14	Starion BankBank	Strong	Sound	Sound	Strong	Strong	$2,543Fees	0.150%Below	46
15	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,654Fees	0.060%Above	36
16	Choice Financial GroupBank	Strong	Sound	Sound	Strong	Sound	$3,658Fees	0.108%Below	11
17	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$179Fees	0.291%Above	25
18	NextMortgage, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Sound	$3,721Fees	1.170%Above	13

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.