# Best Mortgage Lenders for Conventional Loans in North Dakota - 2026


> **📋 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


> Compare the top Conventional mortgage lenders in North Dakota across the 4 P's of mortgage shopping: Pricing, Pullthrough, Products, and Place.

## Market Overview

- **Location:** North Dakota
- **Ranking Type:** Best Mortgage Lenders
- **Loan Product:** CONVENTIONAL
- **Total Lenders in Market:** 62
- **Total Loan Volume:** 6,982
- **Last Updated:** 2026-02-06

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [Gate City Bank](https://saferate.com/lenders/gate-city-bank) | Bank | Exceptional 🤩 | Strong 😀 | Exceptional 🤩 |
| 2 | [Dakota Community Bank & Trust, National Association](https://saferate.com/lenders/dakota-community-bank-trust-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 3 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 4 | [First International Bank & Trust](https://saferate.com/lenders/first-international-bank-trust) | Bank | Exceptional 🤩 | Sound ☺️ | Exceptional 🤩 |
| 5 | [Barrington Bank & Trust Company, National Association](https://saferate.com/lenders/barrington-bank-trust-company-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 6 | [Bremer Bank, National Association](https://saferate.com/lenders/bremer-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 7 | [First Western Bank & Trust](https://saferate.com/lenders/first-western-bank-trust) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 8 | [Dacotah Bank](https://saferate.com/lenders/dacotah-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 9 | [Alerus Financial, National Association](https://saferate.com/lenders/alerus-financial-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 10 | [Merchants Bank, National Association](https://saferate.com/lenders/merchants-bank-national-association) | Bank | Strong 😀 | Strong 😀 | Strong 😀 |
| 11 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 12 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 13 | [Bell Bank](https://saferate.com/lenders/bell-bank) | Bank | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 14 | [Flagstar Bank, N.A.](https://saferate.com/lenders/flagstar-bank) | Bank | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 15 | [Starion Bank](https://saferate.com/lenders/starion-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 16 | [Choice Financial Group](https://saferate.com/lenders/choice-financial-group) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 17 | [Western State Bank](https://saferate.com/lenders/western-state-bank) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 18 | [Frandsen Bank & Trust](https://saferate.com/lenders/frandsen-bank-trust) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 19 | [First Federal Bank](https://saferate.com/lenders/first-federal-bank-fl) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 20 | [Plains Commerce Bank](https://saferate.com/lenders/plains-commerce-bank) | Bank | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 21 | [Bank of England](https://saferate.com/lenders/bank-of-england) | Bank | Sound ☺️ | Acceptable 🙂 | Sound ☺️ |
| 22 | [USAA Federal Savings Bank](https://saferate.com/lenders/usaa-federal-savings-bank) | Bank | Sound ☺️ | Sound ☺️ | Acceptable 🙂 |
| 23 | [Cornerstone Bank](https://saferate.com/lenders/cornerstone-bank-nd) | Bank | Sound ☺️ | N/A | Sound ☺️ |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-06*

[View interactive rankings on Safe Rate](https://saferate.com/north-dakota/best-mortgage-lenders/banks/conventional-loans)