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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 Conventional Mortgage Lenders in North Dakota

Updated February 6, 2026

Market Overview

Total Lenders

6,982

Total Loans

0.19%

Median Rate Spread

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

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