Safe Rate Rankings

Best All Lender Mortgage Lenders in North Dakota

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 Lenders62

Total Loans6,982

Median Rate Spread0.19%

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

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.