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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 FHA Mortgage Lenders in North Dakota
Updated February 6, 2026
Market Overview
62
Total Lenders
6,982
Total Loans
0.19%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Gate City Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $2,665 | -0.288% | 1,016 | |
2 | VALLEY MORTGAGE, INC. | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,742 | -0.335% | 177 | |
3 | First International Bank & Trust | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,338 | +0.035% | 470 | |
4 | Dakota Community Bank & Trust, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,863 | -0.355% | 211 | |
5 | TOWN AND COUNTRY Credit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,926 | -0.088% | 330 | |
6 | FIRST COMMUNITY CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Exceptional | $2,164 | -0.195% | 288 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,407 | -0.144% | 285 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,131 | +0.148% | 74 | |
9 | Dacotah Bank | Exceptional | Exceptional | Sound | Strong | Strong | $1,293 | -0.034% | 74 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,943 | +0.217% | 440 | |
11 | CAPITAL | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,322 | -0.082% | 211 | |
12 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,186 | +0.034% | 166 | |
13 | First Western Bank & Trust | Exceptional | Exceptional | Sound | Sound | Strong | $2,441 | -0.176% | 117 | |
14 | Alerus Financial, National Association | Exceptional | Strong | Strong | Strong | Strong | $710 | -0.049% | 64 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,677 | +0.196% | 412 | |
16 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,938 | +0.132% | 86 | |
17 | WESTERN COOPERATIVE CREDIT UNION | Strong | Strong | Sound | Strong | Strong | $2,544 | +0.051% | 52 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $3,474 | -0.140% | 22 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,934 | +0.388% | 352 | |
20 | Bremer Bank, National Association | Strong | Sound | Strong | Strong | Strong | $2,481 | -0.058% | 118 | |
21 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,281 | -0.083% | 85 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,432 | +0.536% | 66 | |
23 | Western State Bank | Strong | Strong | Sound | Sound | Strong | $1,432 | -0.258% | 61 | |
24 | Cambria Financial Group, LLC | Strong | Sound | Strong | Strong | Strong | $3,744 | +0.334% | 60 | |
25 | Bank of England | Strong | Sound | Exceptional | Strong | Sound | $2,376 | +0.873% | 51 | |
26 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Sound | $3,695 | +0.253% | 43 | |
27 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $3,150 | +0.432% | 28 | |
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 | Starion Bank | Strong | Strong | — | Acceptable | Strong | $2,345 | -0.132% | 74 | |
31 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $2,479 | -0.075% | 72 | |
32 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $1,488 | +0.318% | 62 | |
33 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,522 | +0.461% | 21 | |
34 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,659 | +0.148% | 38 | |
35 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,160 | +0.453% | 35 | |
36 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,505 | +0.304% | 83 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $2,162 | +0.020% | 15 | |
38 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,560 | +0.601% | 42 | |
39 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,058 | +0.692% | 22 | |
40 | NextMortgage, LLC | Sound | Mediocre | Strong | Strong | Sound | $4,233 | +1.269% | 39 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,649 | +0.947% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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