Safe Rate Rankings

Best Mortgage Companie Lenders in North Dakota

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders62

Total Loans6,982

Median Rate Spread0.19%

North Dakota Market Insights

Valley Mortgage is Safe Rate's top-ranked mortgage company in North Dakota, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In North Dakota, Valley Mortgage and Freedom Mortgage scores highest on pricing while Rocket Mortgage and Nations Lending leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #2 in North Dakota, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in North Dakota: Rocket Mortgage (#4) and Valley Mortgage (#1).

Explore Rankings by Type

Overall Rankings

All lenders in North Dakota

By Loan Product

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	VALLEY MORTGAGE, INC. Independent Mortgage CompanyDirect	Exceptional	Exceptional	Strong	Exceptional	$1,742Fees	0.335%Below	177
2	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	$2,943Fees	0.217%Above	440
3	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	$1,407Fees	0.144%Below	285
4	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	$3,934Fees	0.388%Above	352
5	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,677Fees	0.196%Above	412
6	Nations Lending Corporation Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$1,281Fees	0.083%Below	85
7	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$3,131Fees	0.148%Above	74
8	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Sound	$3,432Fees	0.536%Above	66
9	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$3,358Fees	0.370%Above	162
10	FIRST COLONY MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	$3,695Fees	0.253%Above	43
11	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$1,623Fees	0.637%Above	212
12	Cambria Financial Group, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$3,744Fees	0.334%Above	60
13	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	$3,474Fees	0.140%Below	22
14	BAY EQUITY LLC Independent Mortgage CompanyDirect	Sound	Sound	Strong	Sound	$3,659Fees	0.148%Above	38
15	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$3,160Fees	0.453%Above	35
16	V.I.P. MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	$3,522Fees	0.461%Above	21
17	PRIMARY RESIDENTIAL MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	$3,505Fees	0.304%Above	83
18	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Sound	Sound	$1,488Fees	0.318%Above	62
19	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$2,560Fees	0.601%Above	42
20	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$2,058Fees	0.692%Above	22
21	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Sound	Sound	$3,649Fees	0.947%Above	25
22	NextMortgage, LLC Independent Mortgage CompanyDirect	Acceptable	Mediocre	Acceptable	Sound	$4,233Fees	1.269%Above	39
23	AgCountry Farm Credit Services, FLCA Independent Mortgage CompanyDirect	Acceptable	Mediocre	Sound	Sound	$2,924Fees	0.601%Above	33

❓ Frequently Asked Questions

How are mortgage lenders ranked in North Dakota?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in North Dakota), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in North Dakota?+

Based on 2024 HMDA data, 62 lenders originated a combined 6,982 loans in North Dakota. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in North Dakota?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in North Dakota is 0.19%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In North Dakota's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.