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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 North Dakota
Updated February 6, 2026
Market Overview
62
Total Lenders
6,982
Total Loans
0.19%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VALLEY MORTGAGE, INC. | Exceptional | Exceptional | Strong | Exceptional | $1,742 | -0.335% | 177 | |
2 | Gate City Bank | Exceptional | Strong | Exceptional | Exceptional | $2,665 | -0.288% | 1,016 | |
3 | Dakota Community Bank & Trust, National Association | Exceptional | Strong | Exceptional | Exceptional | $2,863 | -0.355% | 211 | |
4 | First International Bank & Trust | Strong | Sound | Exceptional | Exceptional | $2,338 | +0.035% | 470 | |
5 | TOWN AND COUNTRY Credit Union | Strong | Sound | Exceptional | Exceptional | $2,926 | -0.088% | 330 | |
6 | FIRST COMMUNITY CREDIT UNION | Strong | Strong | Sound | Exceptional | $2,164 | -0.195% | 288 | |
7 | CAPITAL | Strong | Sound | Exceptional | Exceptional | $3,322 | -0.082% | 211 | |
8 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,186 | +0.034% | 166 | |
9 | Dacotah Bank | Strong | Strong | Strong | Strong | $1,293 | -0.034% | 74 | |
10 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $581 | -0.459% | 48 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,943 | +0.217% | 440 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,407 | -0.144% | 285 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,677 | +0.196% | 412 | |
14 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,358 | +0.370% | 162 | |
15 | Bremer Bank, National Association | Strong | Sound | Strong | Strong | $2,481 | -0.058% | 118 | |
16 | First Western Bank & Trust | Strong | Sound | Strong | Strong | $2,441 | -0.176% | 117 | |
17 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,131 | +0.148% | 74 | |
18 | Starion Bank | Strong | Strong | Acceptable | Strong | $2,345 | -0.132% | 74 | |
19 | Alerus Financial, National Association | Strong | Sound | Strong | Strong | $710 | -0.049% | 64 | |
20 | Western State Bank | Strong | Strong | Acceptable | Strong | $1,432 | -0.258% | 61 | |
21 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,414 | +0.218% | 47 | |
22 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Sound | $3,695 | +0.253% | 43 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,934 | +0.388% | 352 | |
24 | Bell Bank | Strong | Acceptable | Exceptional | Strong | $2,611 | +0.065% | 250 | |
25 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $1,281 | -0.083% | 85 | |
26 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,432 | +0.536% | 66 | |
27 | WESTERN COOPERATIVE CREDIT UNION | Strong | Sound | Sound | Strong | $2,544 | +0.051% | 52 | |
28 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $3,659 | +0.148% | 38 | |
29 | Frandsen Bank & Trust | Strong | Sound | Strong | Sound | $2,528 | +0.019% | 29 | |
30 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,354 | +0.285% | 23 | |
31 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $3,474 | -0.140% | 22 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,623 | +0.637% | 212 | |
33 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,938 | +0.132% | 86 | |
34 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Strong | Strong | $2,479 | -0.075% | 72 | |
35 | Cambria Financial Group, LLC | Strong | Acceptable | Strong | Strong | $3,744 | +0.334% | 60 | |
36 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,148 | -0.100% | 42 | |
37 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $3,160 | +0.453% | 35 | |
38 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $3,522 | +0.461% | 21 | |
39 | Choice Financial Group | Sound | Acceptable | Sound | Strong | $2,831 | -0.079% | 73 | |
40 | Bank of England | Sound | Acceptable | Strong | Sound | $2,376 | +0.873% | 51 | |
41 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,560 | +0.601% | 42 | |
42 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $3,150 | +0.432% | 28 | |
43 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,058 | +0.692% | 22 | |
44 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | $3,505 | +0.304% | 83 | |
45 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $1,488 | +0.318% | 62 | |
46 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $3,649 | +0.947% | 25 | |
47 | AgCountry Farm Credit Services, FLCA | Sound | Mediocre | Sound | Sound | $2,924 | +0.601% | 33 | |
48 | NextMortgage, LLC | Sound | Mediocre | Acceptable | Sound | $4,233 | +1.269% | 39 |
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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