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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 Mortgage Lenders in Grand Forks
Updated February 6, 2026
Market Overview
15
Total Lenders
731
Total Loans
0.03%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Gate City Bank | Exceptional | Strong | Exceptional | Exceptional | $2,490 | -0.240% | 107 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,324 | +0.243% | 169 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,562 | -0.066% | 54 | |
4 | Bremer Bank, National Association | Strong | Sound | Strong | Exceptional | $2,525 | +0.262% | 49 | |
5 | First International Bank & Trust | Strong | Sound | Exceptional | Strong | $2,697 | -0.155% | 42 | |
6 | FIRST COMMUNITY CREDIT UNION | Strong | Strong | Sound | Strong | $2,340 | -0.118% | 34 | |
7 | Frandsen Bank & Trust | Strong | Sound | Strong | Strong | $2,734 | -0.164% | 37 | |
8 | Alerus Financial, National Association | Strong | Sound | Strong | Strong | $1,190 | +0.144% | 30 | |
9 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Strong | Exceptional | $2,701 | -0.130% | 68 | |
10 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $1,335 | +0.049% | 47 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,666 | +0.573% | 37 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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