# Best Mortgage Lenders in Minot, ND

**As of:** 2026-06-03

Compare the top mortgage lenders in Minot, ND. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/minot-nd/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 15
- **Total Loans:** 754
- **Median Rate Spread:** -0.05242857142857143%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Gate City Bank | 93 | 68 | 84 | 114 | Bank |
| 2 | TOWN AND COUNTRY Credit Union | 84 | 58 | 86 | 148 | Credit Union |
| 3 | First International Bank & Trust | 84 | 60 | 81 | 89 | Bank |
| 4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 82 | Independent Mortgage Company |
| 5 | First Western Bank & Trust | 73 | 58 | 64 | 48 | Bank |
| 6 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 44 | Independent Mortgage Company |
| 7 | Dacotah Bank | 73 | 61 | 75 | 22 | Bank |
| 8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 39 | Independent Mortgage Company |
| 9 | Mortgage Research Center, LLC | 63 | 34 | 70 | 55 | Independent Mortgage Company |
| 10 | ROCKET MORTGAGE, LLC | 62 | 29 | 95 | 34 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Minot, ND.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.