Safe Rate Rankings

Best FHA 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	Exceptional	Strong	Exceptional	Exceptional	$2,665Fees	0.288%Below	1,016
2	VALLEY MORTGAGE, INC.Independent Mortgage Company	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$1,742Fees	0.335%Below	177
3	First International Bank & TrustBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$2,338Fees	0.035%Above	470
4	Dakota Community Bank & Trust, National AssociationBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$2,863Fees	0.355%Below	211
5	TOWN AND COUNTRY Credit UnionCredit Union	Exceptional	Strong	Strong	Exceptional	Exceptional	$2,926Fees	0.088%Below	330
6	FIRST COMMUNITY CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Sound	Exceptional	$2,164Fees	0.195%Below	288
7	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,407Fees	0.144%Below	285
8	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,131Fees	0.148%Above	74
9	Dacotah BankBank	Exceptional	Exceptional	Sound	Strong	Strong	$1,293Fees	0.034%Below	74
10	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,943Fees	0.217%Above	440
11	CAPITALCredit Union	Exceptional	Sound	Strong	Exceptional	Exceptional	$3,322Fees	0.082%Below	211
12	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,186Fees	0.034%Above	166
13	First Western Bank & TrustBank	Exceptional	Exceptional	Sound	Sound	Strong	$2,441Fees	0.176%Below	117
14	Alerus Financial, National AssociationBank	Exceptional	Strong	Strong	Strong	Strong	$710Fees	0.049%Below	64
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,677Fees	0.196%Above	412
16	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Strong	$2,938Fees	0.132%Above	86
17	WESTERN COOPERATIVE CREDIT UNIONCredit Union	Strong	Strong	Sound	Strong	Strong	$2,544Fees	0.051%Above	52
18	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	Sound	$3,474Fees	0.140%Below	22
19	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,934Fees	0.388%Above	352
20	Bremer Bank, National AssociationBank	Strong	Sound	Strong	Strong	Strong	$2,481Fees	0.058%Below	118
21	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,281Fees	0.083%Below	85
22	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,432Fees	0.536%Above	66
23	Western State BankBank	Strong	Strong	Sound	Sound	Strong	$1,432Fees	0.258%Below	61
24	Cambria Financial Group, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$3,744Fees	0.334%Above	60
25	Bank of EnglandBank	Strong	Sound	Exceptional	Strong	Sound	$2,376Fees	0.873%Above	51
26	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,695Fees	0.253%Above	43
27	Plains Commerce BankBank	Strong	Sound	Exceptional	Strong	Sound	$3,150Fees	0.432%Above	28
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	Starion BankBank	Strong	Strong	—	Acceptable	Strong	$2,345Fees	0.132%Below	74
31	Barrington Bank & Trust Company, National AssociationBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,479Fees	0.075%Below	72
32	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,488Fees	0.318%Above	62
33	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,522Fees	0.461%Above	21
34	BAY EQUITY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,659Fees	0.148%Above	38
35	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,160Fees	0.453%Above	35
36	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,505Fees	0.304%Above	83
37	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,162Fees	0.020%Above	15
38	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,560Fees	0.601%Above	42
39	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,058Fees	0.692%Above	22
40	NextMortgage, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$4,233Fees	1.269%Above	39
41	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$3,649Fees	0.947%Above	25

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.