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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Fargo
Updated February 5, 2026
Market Overview
40
Total Lenders
2,699
Total Loans
0.06%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Gate City Bank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,883 | -0.221% | 387 | |
2 | VALLEY MORTGAGE, INC. | Exceptional | Strong | Strong | Strong | Exceptional | $1,808 | -0.277% | 211 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $758 | -0.287% | 12 | |
4 | First International Bank & Trust | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,161 | +0.000% | 176 | |
5 | FIRST COMMUNITY CREDIT UNION | Exceptional | Strong | Strong | Sound | Exceptional | $2,676 | -0.327% | 101 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $921 | +0.004% | 39 | |
7 | TOWN AND COUNTRY Credit Union | Strong | Sound | Strong | Strong | Exceptional | $2,858 | -0.027% | 191 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,210 | +0.239% | 184 | |
9 | CAPITAL | Strong | Sound | Strong | Exceptional | Strong | $3,945 | -0.255% | 53 | |
10 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,795 | +0.117% | 43 | |
11 | MAGNIFI FINANCIAL CREDIT UNION | Strong | Strong | Strong | Strong | Sound | $977 | +0.032% | 13 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,379 | +0.041% | 12 | |
13 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,382 | +0.051% | 295 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,327 | +0.351% | 114 | |
15 | Bremer Bank, National Association | Strong | Sound | Strong | Strong | Strong | $2,711 | -0.049% | 69 | |
16 | Western State Bank | Strong | Strong | Sound | Sound | Strong | $1,532 | -0.218% | 54 | |
17 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,278 | -0.200% | 45 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,265 | +0.358% | 27 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $1,916 | -0.251% | 14 | |
20 | Empeople Credit Union | Strong | Strong | Strong | Sound | Sound | $522 | -0.098% | 14 | |
21 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,157 | +0.107% | 11 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,196 | -0.056% | 109 | |
23 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,346 | +0.375% | 94 | |
24 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,697 | +0.186% | 42 | |
25 | Choice Financial Group | Strong | Sound | Sound | Strong | Strong | $2,789 | -0.034% | 36 | |
26 | Alerus Financial, National Association | Strong | Sound | Strong | Strong | Sound | $165 | -0.172% | 32 | |
27 | First Western Bank & Trust | Strong | Sound | Strong | Strong | Sound | $2,485 | -0.081% | 26 | |
28 | Dacotah Bank | Strong | Sound | Strong | Strong | Sound | $1,734 | -0.047% | 21 | |
29 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,823 | -0.066% | 12 | |
30 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,613 | +0.438% | 23 | |
31 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $3,730 | +0.528% | 15 | |
32 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,473 | +0.065% | 12 | |
33 | AFFINITY PLUS | Strong | Sound | Strong | Sound | Sound | $2,502 | +0.352% | 11 | |
34 | Cambria Financial Group, LLC | Strong | Acceptable | Sound | Strong | Strong | $3,714 | +0.311% | 75 | |
35 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,288 | +0.356% | 28 | |
36 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Acceptable | $1,960 | +0.417% | 10 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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