Safe Rate Rankings

Best VA Mortgage Lenders in Minot

Updated June 3, 2026

⚖️ 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 Lenders15

Total Loans754

Median Rate Spread-0.05%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	TOWN AND COUNTRY Credit UnionCredit Union	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$2,505Fees	0.210%Below	148
2	Gate City BankBank	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$2,735Fees	0.344%Below	114
3	First International Bank & TrustBank	Exceptional	Strong	Strong	Exceptional	Exceptional	$3,214Fees	0.105%Below	89
4	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,802Fees	0.155%Above	44
5	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$213Fees	0.612%Below	17
6	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,058Fees	0.352%Below	82
7	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Strong	Exceptional	Strong	Acceptable	$2,199Fees	0.416%Above	14
8	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,458Fees	0.087%Above	39
9	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Sound	$2,818Fees	0.472%Above	19
10	First Western Bank & TrustBank	Strong	Sound	Sound	Strong	Strong	$2,064Fees	0.346%Below	48
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,046Fees	0.235%Above	34

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.