Safe Rate Rankings

Best All Lender Mortgage Lenders in Fargo

Updated June 3, 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 Lenders40

Total Loans2,699

Median Rate Spread0.06%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	VALLEY MORTGAGE, INC.Independent Mortgage Company	Exceptional	Exceptional	Strong	Exceptional	$1,808Fees	0.277%Below	211
2	Gate City BankBank	Exceptional	Strong	Exceptional	Exceptional	$2,883Fees	0.221%Below	387
3	TOWN AND COUNTRY Credit UnionCredit Union	Strong	Sound	Exceptional	Exceptional	$2,858Fees	0.027%Below	191
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,210Fees	0.239%Above	184
5	First International Bank & TrustBank	Strong	Sound	Exceptional	Exceptional	$2,161Fees	0.000%Above	176
6	FIRST COMMUNITY CREDIT UNIONCredit Union	Strong	Strong	Sound	Exceptional	$2,676Fees	0.327%Below	101
7	CAPITALCredit Union	Strong	Sound	Exceptional	Strong	$3,945Fees	0.255%Below	53
8	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,697Fees	0.186%Above	42
9	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$921Fees	0.004%Above	39
10	Dacotah BankBank	Strong	Strong	Strong	Sound	$1,734Fees	0.047%Below	21
11	Bell BankBank	Strong	Acceptable	Exceptional	Exceptional	$2,382Fees	0.051%Above	295
12	Bremer Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,711Fees	0.049%Below	69
13	Western State BankBank	Strong	Strong	Acceptable	Strong	$1,532Fees	0.218%Below	54
14	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,795Fees	0.117%Above	43
15	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,327Fees	0.351%Above	114
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,196Fees	0.056%Below	109
17	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,278Fees	0.200%Below	45
18	Alerus Financial, National AssociationBank	Strong	Sound	Strong	Sound	$165Fees	0.172%Below	32
19	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,265Fees	0.358%Above	27
20	First Western Bank & TrustBank	Strong	Sound	Strong	Sound	$2,485Fees	0.081%Below	26
21	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$3,613Fees	0.438%Above	23
22	Cambria Financial Group, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,714Fees	0.311%Above	75
23	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$302Fees	1.258%Above	49
24	Choice Financial GroupBank	Sound	Acceptable	Sound	Strong	$2,789Fees	0.034%Below	36
25	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$3,346Fees	0.375%Above	94
26	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,288Fees	0.356%Above	28

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.