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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 Bank Mortgage Lenders in North Dakota
Updated February 6, 2026
Market Overview
20
Total Lenders
3,160
Total Loans
0.05%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Gate City Bank | Exceptional | Strong | Exceptional | Exceptional | $2,665 | -0.288% | 1,016 | |
2 | Dakota Community Bank & Trust, National Association | Exceptional | Strong | Exceptional | Exceptional | $2,863 | -0.355% | 211 | |
3 | First International Bank & Trust | Strong | Sound | Exceptional | Exceptional | $2,338 | +0.035% | 470 | |
4 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,186 | +0.034% | 166 | |
5 | Dacotah Bank | Strong | Strong | Strong | Strong | $1,293 | -0.034% | 74 | |
6 | Bremer Bank, National Association | Strong | Sound | Strong | Strong | $2,481 | -0.058% | 118 | |
7 | First Western Bank & Trust | Strong | Sound | Strong | Strong | $2,441 | -0.176% | 117 | |
8 | Starion Bank | Strong | Strong | Acceptable | Strong | $2,345 | -0.132% | 74 | |
9 | Alerus Financial, National Association | Strong | Sound | Strong | Strong | $710 | -0.049% | 64 | |
10 | Western State Bank | Strong | Strong | Acceptable | Strong | $1,432 | -0.258% | 61 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,414 | +0.218% | 47 | |
12 | Bell Bank | Strong | Acceptable | Exceptional | Strong | $2,611 | +0.065% | 250 | |
13 | Frandsen Bank & Trust | Strong | Sound | Strong | Sound | $2,528 | +0.019% | 29 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,354 | +0.285% | 23 | |
15 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,938 | +0.132% | 86 | |
16 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Strong | Strong | $2,479 | -0.075% | 72 | |
17 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,148 | -0.100% | 42 | |
18 | Choice Financial Group | Sound | Acceptable | Sound | Strong | $2,831 | -0.079% | 73 | |
19 | Bank of England | Sound | Acceptable | Strong | Sound | $2,376 | +0.873% | 51 | |
20 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $3,150 | +0.432% | 28 |
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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