# Best Conventional Mortgage Lenders in Minot, ND

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

Compare the top Conventional mortgage lenders in Minot, ND. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | 95 | 65 | 83 | 114 | Bank |
| 2 | First International Bank & Trust | 83 | 55 | 84 | 89 | Bank |
| 3 | TOWN AND COUNTRY Credit Union | 79 | 45 | 78 | 148 | Credit Union |
| 4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 40 | 74 | 82 | Independent Mortgage Company |
| 5 | U.S. Bank National Association | 79 | 75 | 69 | 15 | Bank |
| 6 | First Western Bank & Trust | 74 | 53 | 73 | 48 | Bank |
| 7 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 44 | Independent Mortgage Company |
| 8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 39 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 70 | 28 | 87 | 34 | Independent Mortgage Company |
| 10 | Dacotah Bank | 69 | 54 | 73 | 22 | Bank |
| 11 | Flagstar Bank, N.A. | 66 | 34 | 72 | 19 | Bank |
| 12 | UNITED WHOLESALE MORTGAGE, LLC | 63 | 36 | 86 | 14 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.