# Best USDA Mortgage Lenders in North Dakota

**As of:** 2026-06-03

Compare the top USDA mortgage lenders in North Dakota. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/north-dakota/best-mortgage-lenders/usda-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 62
- **Total Loans:** 6,982
- **Median Rate Spread:** 0.18513333333333334%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Dakota Community Bank & Trust, National Association | 89 | 67 | 82 | 211 | Bank |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 85 | 62 | 75 | 440 | Independent Mortgage Company |
| 3 | Dacotah Bank | 85 | 61 | 81 | 74 | Bank |
| 4 | FIRST COMMUNITY CREDIT UNION | 73 | 70 | 43 | 288 | Credit Union |
| 5 | WESTERN COOPERATIVE CREDIT UNION | 64 | 51 | 46 | 52 | Credit Union |
| 6 | Bank of England | 62 | 38 | 56 | 51 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within North Dakota.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.