# Best VA Mortgage Lenders in North Dakota

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

Compare the top VA 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/va-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 | Gate City Bank | 95 | 80 | 82 | 1,016 | Bank |
| 2 | TOWN AND COUNTRY Credit Union | 95 | 87 | 86 | 330 | Credit Union |
| 3 | First International Bank & Trust | 89 | 67 | 85 | 470 | Bank |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 64 | 83 | 440 | Independent Mortgage Company |
| 5 | Dakota Community Bank & Trust, National Association | 89 | 67 | 82 | 211 | Bank |
| 6 | VALLEY MORTGAGE, INC. | 89 | 82 | 78 | 177 | Independent Mortgage Company |
| 7 | U.S. Bank National Association | 85 | 71 | 65 | 166 | Bank |
| 8 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 162 | Independent Mortgage Company |
| 9 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 74 | Independent Mortgage Company |
| 10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 83 | 56 | 81 | 285 | Independent Mortgage Company |
| 11 | Bell Bank | 83 | 49 | 82 | 250 | Bank |
| 12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 33 | 83 | 412 | Independent Mortgage Company |
| 13 | FIRST COMMUNITY CREDIT UNION | 79 | 70 | 45 | 288 | Credit Union |
| 14 | Flagstar Bank, N.A. | 79 | 56 | 68 | 86 | Bank |
| 15 | PENNYMAC LOAN SERVICES, LLC | 79 | 61 | 62 | 22 | Independent Mortgage Company |
| 16 | CAPITAL | 77 | 45 | 81 | 211 | Credit Union |
| 17 | NAVY FEDERAL CREDIT UNION | 77 | 91 | 59 | 48 | Credit Union |
| 18 | ROCKET MORTGAGE, LLC | 75 | 29 | 81 | 352 | Independent Mortgage Company |
| 19 | LOANDEPOT.COM, LLC | 73 | 53 | 69 | 66 | Independent Mortgage Company |
| 20 | NEWREZ LLC | 73 | 47 | 63 | 62 | Independent Mortgage Company |
| 21 | USAA Federal Savings Bank | 73 | 62 | 58 | 42 | Bank |
| 22 | Mortgage Research Center, LLC | 71 | 34 | 61 | 212 | Independent Mortgage Company |
| 23 | Cambria Financial Group, LLC | 71 | 33 | 89 | 60 | Independent Mortgage Company |
| 24 | First Western Bank & Trust | 69 | 58 | 70 | 117 | Bank |
| 25 | Bank of England | 69 | 46 | 65 | 51 | Bank |
| 26 | CROSSCOUNTRY MORTGAGE, LLC | 66 | 32 | 71 | 42 | Independent Mortgage Company |
| 27 | NATIONSTAR MORTGAGE LLC | 66 | 20 | 69 | 22 | Independent Mortgage Company |
| 28 | Bremer Bank, National Association | 63 | 41 | 62 | 118 | Bank |
| 29 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 60 | 12 | 73 | 83 | Independent Mortgage Company |
| 30 | Barrington Bank & Trust Company, National Association | 60 | 14 | 65 | 72 | 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.