Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Gate City BankBank	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,665Fees	0.288%Below	1,016
2	Dakota Community Bank & Trust, National AssociationBank	Exceptional	Strong	Strong	Strong	Exceptional	$2,863Fees	0.355%Below	211
3	VALLEY MORTGAGE, INC.Independent Mortgage Company	Exceptional	Strong	Strong	Strong	Exceptional	$1,742Fees	0.335%Below	177
4	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,186Fees	0.034%Above	166
5	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$581Fees	0.459%Below	48
6	First International Bank & TrustBank	Exceptional	Sound	Strong	Exceptional	Exceptional	$2,338Fees	0.035%Above	470
7	FIRST COMMUNITY CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Sound	Exceptional	$2,164Fees	0.195%Below	288
8	CAPITALCredit Union	Exceptional	Sound	Strong	Exceptional	Exceptional	$3,322Fees	0.082%Below	211
9	TOWN AND COUNTRY Credit UnionCredit Union	Strong	Sound	Strong	Strong	Exceptional	$2,926Fees	0.088%Below	330
10	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,407Fees	0.144%Below	285
11	Barrington Bank & Trust Company, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,479Fees	0.075%Below	72
12	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,414Fees	0.218%Above	47
13	Merchants Bank, National AssociationBank	Strong	Strong	Strong	Strong	Sound	$2,452Fees	0.005%Below	19
14	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,943Fees	0.217%Above	440
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,677Fees	0.196%Above	412
16	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,934Fees	0.388%Above	352
17	Bremer Bank, National AssociationBank	Strong	Sound	Strong	Strong	Strong	$2,481Fees	0.058%Below	118
18	First Western Bank & TrustBank	Strong	Sound	Strong	Strong	Strong	$2,441Fees	0.176%Below	117
19	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,281Fees	0.083%Below	85
20	Dacotah BankBank	Strong	Sound	Strong	Strong	Strong	$1,293Fees	0.034%Below	74
21	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,432Fees	0.536%Above	66
22	Alerus Financial, National AssociationBank	Strong	Sound	Strong	Strong	Strong	$710Fees	0.049%Below	64
23	Western State BankBank	Strong	Strong	Sound	Sound	Strong	$1,432Fees	0.258%Below	61
24	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,659Fees	0.148%Above	38
25	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,354Fees	0.285%Above	23
26	Empeople Credit UnionCredit Union	Strong	Strong	Strong	Sound	Sound	$1,079Fees	0.107%Below	19
27	First Federal BankBank	Strong	Strong	Strong	Sound	Sound	$1,321Fees	0.071%Below	19
28	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,611Fees	0.065%Above	250
29	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,358Fees	0.370%Above	162
30	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,938Fees	0.132%Above	86
31	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,505Fees	0.304%Above	83
32	Starion BankBank	Strong	Sound	Sound	Strong	Strong	$2,345Fees	0.132%Below	74
33	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$3,131Fees	0.148%Above	74
34	Choice Financial GroupBank	Strong	Sound	Sound	Strong	Strong	$2,831Fees	0.079%Below	73
35	Frandsen Bank & TrustBank	Strong	Sound	Strong	Strong	Sound	$2,528Fees	0.019%Above	29
36	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$3,474Fees	0.140%Below	22
37	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,522Fees	0.461%Above	21
38	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,695Fees	0.253%Above	43
39	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,560Fees	0.601%Above	42
40	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,160Fees	0.453%Above	35
41	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,150Fees	0.432%Above	28
42	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,058Fees	0.692%Above	22
43	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,841Fees	0.556%Above	16
44	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$1,623Fees	0.637%Above	212
45	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,488Fees	0.318%Above	62
46	Cambria Financial Group, LLCIndependent Mortgage Company	Strong	Acceptable	Sound	Strong	Strong	$3,744Fees	0.334%Above	60
47	WESTERN COOPERATIVE CREDIT UNIONCredit Union	Strong	Sound	Acceptable	Sound	Strong	$2,544Fees	0.051%Above	52
48	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$2,148Fees	0.100%Below	42
49	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,649Fees	0.947%Above	25
50	Bank of EnglandBank	Sound	Acceptable	Strong	Sound	Sound	$2,376Fees	0.873%Above	51

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.