# Best Mortgage Lenders in North Dakota

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

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

> **Canonical URL:** https://saferate.com/north-dakota/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:** 62
- **Total Loans:** 6,982
- **Median Rate Spread:** 0.18513333333333334%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Gate City Bank | 93 | 68 | 84 | 1,016 | Bank |
| 2 | Dakota Community Bank & Trust, National Association | 93 | 67 | 82 | 211 | Bank |
| 3 | VALLEY MORTGAGE, INC. | 93 | 82 | 78 | 177 | Independent Mortgage Company |
| 4 | First International Bank & Trust | 84 | 60 | 81 | 470 | Bank |
| 5 | TOWN AND COUNTRY Credit Union | 84 | 58 | 86 | 330 | Credit Union |
| 6 | CAPITAL | 84 | 45 | 81 | 211 | Credit Union |
| 7 | U.S. Bank National Association | 80 | 75 | 71 | 166 | Bank |
| 8 | Dacotah Bank | 80 | 61 | 75 | 74 | Bank |
| 9 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 440 | Independent Mortgage Company |
| 10 | FIRST COMMUNITY CREDIT UNION | 78 | 70 | 43 | 288 | Credit Union |
| 11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 285 | Independent Mortgage Company |
| 12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 412 | Independent Mortgage Company |
| 13 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 162 | Independent Mortgage Company |
| 14 | Bremer Bank, National Association | 73 | 41 | 62 | 118 | Bank |
| 15 | First Western Bank & Trust | 73 | 58 | 64 | 117 | Bank |
| 16 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 74 | Independent Mortgage Company |
| 17 | Alerus Financial, National Association | 73 | 54 | 77 | 64 | Bank |
| 18 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 48 | Credit Union |
| 19 | FIRST COLONY MORTGAGE CORPORATION | 71 | 42 | 84 | 43 | Independent Mortgage Company |
| 20 | ROCKET MORTGAGE, LLC | 68 | 29 | 95 | 352 | Independent Mortgage Company |
| 21 | Bell Bank | 68 | 35 | 82 | 250 | Bank |
| 22 | Nations Lending Corporation | 68 | 30 | 93 | 85 | Independent Mortgage Company |
| 23 | LOANDEPOT.COM, LLC | 66 | 48 | 76 | 66 | Independent Mortgage Company |
| 24 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 47 | Bank |
| 25 | BAY EQUITY LLC | 66 | 43 | 65 | 38 | Independent Mortgage Company |
| 26 | Frandsen Bank & Trust | 66 | 43 | 73 | 29 | Bank |
| 27 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 23 | Bank |
| 28 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 22 | Independent Mortgage Company |
| 29 | WESTERN COOPERATIVE CREDIT UNION | 66 | 51 | 46 | 52 | Credit Union |
| 30 | Mortgage Research Center, LLC | 63 | 34 | 70 | 212 | Independent Mortgage Company |
| 31 | Flagstar Bank, N.A. | 63 | 40 | 76 | 86 | Bank |
| 32 | Starion Bank | 63 | 60 | 33 | 74 | Bank |
| 33 | Barrington Bank & Trust Company, National Association | 63 | 36 | 69 | 72 | Bank |
| 34 | Western State Bank | 63 | 76 | 33 | 61 | Bank |
| 35 | Cambria Financial Group, LLC | 63 | 33 | 66 | 60 | Independent Mortgage Company |
| 36 | GUILD MORTGAGE COMPANY LLC | 62 | 25 | 83 | 35 | Independent Mortgage Company |
| 37 | V.I.P. MORTGAGE, INC. | 62 | 29 | 83 | 21 | Independent Mortgage Company |
| 38 | USAA Federal Savings Bank | 60 | 54 | 45 | 42 | Bank |
| 39 | Choice Financial Group | 58 | 39 | 42 | 73 | Bank |
| 40 | Bank of England | 58 | 33 | 64 | 51 | Bank |
| 41 | CROSSCOUNTRY MORTGAGE, LLC | 58 | 20 | 76 | 42 | Independent Mortgage Company |
| 42 | Plains Commerce Bank | 58 | 37 | 67 | 28 | Bank |
| 43 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 22 | Independent Mortgage Company |
| 44 | NEWREZ LLC | 52 | 35 | 59 | 62 | Independent Mortgage Company |
| 45 | NEW AMERICAN FUNDING, LLC | 52 | 22 | 60 | 25 | Independent Mortgage Company |
| 46 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 50 | 17 | 75 | 83 | Independent Mortgage Company |
| 47 | AgCountry Farm Credit Services, FLCA | 42 | 13 | 43 | 33 | Independent Mortgage Company |
| 48 | NextMortgage, LLC | 36 | 17 | 40 | 39 | 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 North Dakota.

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.