☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / North Dakota

iAdvertiser Disclosure

Mortgage Lenders and Brokers in North Dakota

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

North Dakota mortgage lenders include Gate City BankGate City Bank1725 Golf Dr, Bismarck, ND 58503A+5.0 ★Texas Ratio: 5.49%, First International Bank & TrustFirst International Bank & Trust616 Oak Street, Alexander, ND 58831B+4.8 ★Texas Ratio: 17.46%, Bell BankBell Bank520 Main Avenue, Fargo, ND 58103A+5.0 ★Texas Ratio: 3.66%, First Community Credit UnionFirst Community Credit Union204 Main St, Bisbee, ND 58317A+5.0 ★Texas Ratio: 3.52%, Town and Country Credit UnionTown and Country Credit Union1501 32nd Ave S, Fargo, ND 58103 5902A5.0 ★Texas Ratio: 10.41%, Bravera BankBravera Bank401 N 4th St, Bismarck, ND 58501A+5.0 ★Texas Ratio: 5.48%, Dakota Community Bank & Trust, NADakota Community Bank & Trust, NA919 S 7th St, Bismarck, ND 58504A+5.0 ★Texas Ratio: 0.58%, Capital Credit UnionCapital Credit Union131 W Main St, Beulah, ND 58523A5.0 ★Texas Ratio: 10.18%, Aspire Community Federal Credit UnionAspire Community Federal Credit Union1430 S BROADWAY, MINOT, ND 58701 5933A+5.0 ★Texas Ratio: 2.12%, and First Western Bank & TrustFirst Western Bank & Trust3703 Lockport St, Bismarck, ND 58503A-5.0 ★Texas Ratio: 15.55%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in North Dakota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in North Dakota are listed first, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in North Dakota

Market share is the lender's share of all home loans closed in North Dakota. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Median loan is the midpoint loan amount the lender closed in the state.

Lender	Programs	Loans closed	Market share	Approval share	Median loan	View
Gate City Bank ★ 5 stars, 1 review 1725 Golf Dr, Bismarck, ND 58503 A+5.0 ★Texas Ratio: 5.49%	Conventional, FHA, VA, USDA, Jumbo, HELOC	1,834 +416 HELOCs	15.7%	88.9%	$175,000	View
First International Bank & Trust 616 Oak Street, Alexander, ND 58831 B+4.8 ★Texas Ratio: 17.46%	Conventional, FHA, VA, USDA, Jumbo, HELOC	632 +214 HELOCs	5.4%	97.4%	$275,000	View
Bell Bank 9 offices in ND 520 Main Avenue, Fargo, ND 58103 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, VA, USDA, Jumbo, HELOC	444 +207 HELOCs	3.8%	92.2%	$215,000	View
First Community Credit Union 204 Main St, Bisbee, ND 58317 A+5.0 ★Texas Ratio: 3.52%	Conventional, FHA, VA, USDA, Jumbo	434	3.7%	90%	$145,000	View
Town and Country Credit Union 1501 32nd Ave S, Fargo, ND 58103 5902 A5.0 ★Texas Ratio: 10.41%	Conventional, FHA, VA, USDA, Jumbo	423	3.6%	97.5%	$215,000	View
Bravera Bank 25 offices in ND 401 N 4th St, Bismarck, ND 58501 A+5.0 ★Texas Ratio: 5.48%	Conventional, FHA, VA, USDA, Jumbo	316	2.7%	97.6%	$215,000	View
Dakota Community Bank & Trust, NA 11 offices in ND 919 S 7th St, Bismarck, ND 58504 A+5.0 ★Texas Ratio: 0.58%	Conventional, FHA, VA, USDA	227	1.9%	94.3%	$255,000	View
Capital Credit Union 131 W Main St, Beulah, ND 58523 A5.0 ★Texas Ratio: 10.18%	Conventional, FHA, VA, USDA, Jumbo, HELOC	225 +247 HELOCs	1.9%	97.8%	$265,000	View
Aspire Community Federal Credit Union 1430 S BROADWAY, MINOT, ND 58701 5933 A+5.0 ★Texas Ratio: 2.12%	Conventional, Jumbo	145	1.2%	96.7%	$155,000	View
First Western Bank & Trust 6 offices in ND 3703 Lockport St, Bismarck, ND 58503 A-5.0 ★Texas Ratio: 15.55%	Conventional, FHA, VA, Jumbo	141	1.2%	95.3%	$275,000	View
Choice Financial Group 12 offices in ND 227 Main St N, Belfield, ND 58622 A+5.0 ★Texas Ratio: 2.70%	Conventional, USDA, Jumbo	123	1.1%	94.2%	$255,000	View
Kirkwood Bank & Trust Co. 3 offices in ND 2911 N 14th St, Bismarck, ND 58503 A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	120	1%	97.7%	$215,000	View
Western State Bank 2 offices in ND 110 4th St Se, Devils Lake, ND 58301 A5.0 ★Texas Ratio: 6.13%	Conventional, FHA, VA	111	1%	94.9%	$255,000	View
Starion Bank 12 offices in ND 1000 S Washington St, Bismarck, ND 58504 A5.0 ★Texas Ratio: 10.59%	Conventional, FHA, Jumbo	103	0.9%	94.5%	$195,000	View
Alerus Financial NA 5 offices in ND 3137 32nd Ave Sw, Fargo, ND 58103 A+5.0 ★Texas Ratio: 3.32%	Conventional, FHA, VA, Jumbo, HELOC	98 +128 HELOCs	0.8%	91.7%	$245,000	View
Railway Credit Union 3005 Rock Island Pl, Bismarck, ND 58504 A+5.0 ★Texas Ratio: 2.85%	Conventional	97	0.8%	87.4%	$75,000	View
Unison Bank 2 offices in ND 401 1st Ave S, Jamestown, ND 58401 A+5.0 ★Texas Ratio: 3.87%	Conventional	93	0.8%	91.6%	$85,000	View
Western Cooperative Credit Union PO Box 366, Beach, ND 58621 0366 A5.0 ★Texas Ratio: 9.52%	Conventional, FHA, VA, USDA	88	0.8%	96.7%	$125,000	View
Bank Forward 9 offices in ND 65 Main Street, Bowdon, ND 58418 A5.0 ★Texas Ratio: 6.75%	Conventional	87	0.7%	98.9%	$205,000	View
Cornerstone Bank 9 offices in ND 1806 N 12th St, Bismarck, ND 58501 B4.5 ★Texas Ratio: 21.20%	Conventional, Jumbo	80	0.7%	97.7%	$125,000	View
First State Bank 4 offices in ND 423 Broadway, Buxton, ND 58218 A+5.0 ★Texas Ratio: 0.00%	Conventional	60	0.5%	100%	$175,000	View
First United Bank 17 offices in ND 300 Main St, Adams, ND 58210 A+5.0 ★Texas Ratio: 0.82%	Conventional, Jumbo	54	0.5%	96.4%	$205,000	View
American Federal Bank 4 offices in ND 1301 30th Ave S, Fargo, ND 58103 A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA	52	0.4%	85.7%	$235,000	View
KodaBank 8 offices in ND 307 Main St W, Cavalier, ND 58220 A+5.0 ★Texas Ratio: 2.26%	Conventional, Jumbo	51	0.4%	100%	$145,000	View
Hometown Credit Union 106 E Main St, Ashley, ND 58413 D3.6 ★Texas Ratio: 32.17%	Conventional	43	0.4%	100%	$65,000	View
United Valley Bank 211 Division Ave S, Cavalier, ND 58220 A+5.0 ★Texas Ratio: 0.93%	Conventional, Jumbo	40	0.3%	100%	$205,000	View
Security First Bank of North Dakota 4 offices in ND 109 Main St, Almont, ND 58520 A+5.0 ★Texas Ratio: 5.78%	Conventional	40	0.3%	97.7%	$185,000	View
Vue Community Credit Union 818 E Main Ave, Bismarck, ND 58501 4526 B+4.8 ★Texas Ratio: 17.91%	Conventional	34	0.3%	97.2%	$95,000	View
Border Bank 1 office in ND 3203 32nd Ave S, Fargo, ND 58103 A5.0 ★Texas Ratio: 11.40%	Conventional	24	0.2%	88.9%	$135,000	View
Bnc National Bank 11 offices in ND 3000 Yorktown Dr, Bismarck, ND 58503 A+5.0 ★Texas Ratio: 5.05%	Conventional, HELOC	20 +75 HELOCs	0.2%	91.3%	$85,000	View
The Union Bank 1700 Highway 49 N, Beulah, ND 58523 A+5.0 ★Texas Ratio: 3.87%	Conventional, USDA	15	0.1%	93.8%	$155,000	View
Dakota West Credit Union 211 1st Ave SW, Bowman, ND 58623 A5.0 ★Texas Ratio: 10.63%	Conventional	8	0.1%	59.3%	$165,000	View
Valley Mortgage, Inc.	Conventional, FHA, VA, Jumbo, HELOC	171 +1 HELOCs	1.5%	96.6%	$305,000
AgCountry Farm Credit Services, FLCA	Conventional, Jumbo	28	0.2%	100%	$355,000
US Bank, N.A. 15 offices in ND 423 E Bismarck Expy, Bismarck, ND 58504 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, Jumbo, HELOC	161 +74 HELOCs	1.4%	71.4%	$225,000	View
Old National Bank 14 offices in ND 710 S Washington St, Bismarck, ND 58504 A+5.0 ★Texas Ratio: 4.98%	Conventional, FHA, VA, USDA, Jumbo, HELOC	85 +37 HELOCs	0.7%	88.5%	$255,000	View
Dacotah Bank 9 offices in ND 4324 Highway 281, Belcourt, ND 58316 A5.0 ★Texas Ratio: 12.58%	Conventional, FHA, VA, USDA	81	0.7%	93.2%	$255,000	View
Wells Fargo Bank NA 12 offices in ND 413 N 5th St, Bismarck, ND 58501 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA	55	0.5%	77.5%	$205,000	View
Frandsen Bank & Trust 1 office in ND 1616 S Washington St, Grand Forks, ND 58201 A+5.0 ★Texas Ratio: 5.91%	Conventional	36	0.3%	92.5%	$125,000	View
JPMorgan Chase Bank, NA 3 offices in ND 4330 13th Ave S, Fargo, ND 58103 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA, Jumbo, HELOC	21 +5 HELOCs	0.2%	87.5%	$265,000	View
Dakota Heritage Bank 9 offices in ND 325 Main St, Gackle, ND 58442 A-5.0 ★Texas Ratio: 14.67%	Conventional	20	0.2%	100%	$95,000	View
BMO Harris Bank NA 4 offices in ND 115 S Central Ave, Beach, ND 58621 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	9 +23 HELOCs	0.1%	64.3%	$235,000	View
American Bank & Trust 1 office in ND 902 Main St, Lisbon, ND 58054 A+5.0 ★Texas Ratio: 3.70%	Conventional	1	0%	50%	$355,000	View
United Wholesale Mortgage	Conventional, FHA, VA, USDA, Jumbo, HELOC	709 +2 HELOCs	6.1%	91.8%	$285,000
Rocket Mortgage	Conventional, FHA, VA, Jumbo	549	4.7%	76.1%	$185,000
Fairway Independent Mort Corp	Conventional, FHA, VA, USDA	369	3.2%	96.9%	$295,000
Mortgage Research Center	Conventional, FHA, VA	276	2.4%	80.3%	$265,000
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA, USDA	176	1.5%	96.7%	$275,000
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional, FHA, VA, USDA	134	1.1%	93.7%	$275,000	View
Guild Mortgage Company	Conventional, FHA, VA	112	1%	98.4%	$225,000
Pennymac Loan Services LLC	Conventional, FHA, VA, USDA, Jumbo	110	0.9%	74.8%	$165,000
Newrez LLC	Conventional, FHA, VA, USDA, Jumbo	108	0.9%	72.7%	$265,000
loanDepot.com LLC	Conventional, FHA, VA, HELOC	101 +18 HELOCs	0.9%	71.5%	$235,000
CrossCountry Mortgage, LLC	Conventional, FHA, VA, USDA, Jumbo, HELOC	98 +2 HELOCs	0.8%	96.1%	$315,000
21St Mortgage	Conventional	96	0.8%	37.5%	$45,000
Guaranteed Rate, Inc.	Conventional, FHA, VA, USDA, HELOC	93 +4 HELOCs	0.8%	90.3%	$285,000
Freedom Mortgage Corporation	Conventional, FHA, VA	89	0.8%	71.6%	$275,000
Cambria Financial Group	Conventional, FHA, VA	85	0.7%	100%	$305,000
New American Funding, LLC.	Conventional, FHA, VA, Jumbo	83	0.7%	74.1%	$205,000
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional, FHA, VA, USDA	77	0.7%	98.7%	$295,000	View
Nationstar Mortgage	Conventional, FHA, VA	72	0.6%	78.1%	$105,000
Navy Federal Credit Union	Conventional, VA, HELOC	64 +8 HELOCs	0.5%	82.3%	$275,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, FHA, VA, USDA	64	0.5%	91.4%	$225,000	View
First Colony Mortgage Corporat	Conventional, FHA, VA, USDA	57	0.5%	93.4%	$295,000
Nextmortgage, LLC	Conventional, FHA, VA, USDA, HELOC	48 +3 HELOCs	0.4%	98.3%	$265,000
Amerisave Mortgage Company	Conventional, FHA, VA	42	0.4%	35.4%	$85,000
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, HELOC	41 +3 HELOCs	0.4%	100%	$265,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA, Jumbo	41	0.4%	75%	$285,000	View
Nations Lending Corporation	Conventional, FHA, VA, Jumbo	40	0.3%	100%	$215,000
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, VA, USDA	38	0.3%	97.4%	$285,000
Bremer Bank NA	Conventional, FHA, VA, USDA, HELOC	31 +24 HELOCs	0.3%	91.2%	$185,000
Merchants Bank, National Association A+5.0 ★Texas Ratio: 3.28%	Conventional	31	0.3%	93.9%	$185,000	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA, VA	30	0.3%	93.8%	$265,000	View
Florida Capital Bank, N.A	Conventional, VA	30	0.3%	96.8%	$265,000
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	28	0.2%	49.4%	$235,000
V.I.P. Mortgage, Inc.	Conventional, FHA	27	0.2%	100%	$325,000
Bankwest, Inc. C+4.1 ★Texas Ratio: 26.29%	Conventional, FHA	25	0.2%	47.2%	$205,000	View
Mutual of Omaha Mortgage	Conventional, FHA, VA, Jumbo, HELOC	23 +2 HELOCs	0.2%	67.5%	$285,000
Triad Financial Services, Inc.	Conventional	22	0.2%	64.6%	$95,000
Union Home Mortgage Corp.	Conventional, FHA, VA, USDA	22	0.2%	85.2%	$305,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA, VA, USDA	22	0.2%	88%	$255,000	View
Empeople Credit Union A+5.0 ★Texas Ratio: 5.75%	Conventional, HELOC	21 +19 HELOCs	0.2%	91.3%	$225,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, VA, HELOC	19 +2 HELOCs	0.2%	76%	$225,000	View
Keystone Funding, Inc	Conventional, FHA, VA	19	0.2%	95%	$305,000
Click n' Close, Inc.	FHA	18	0.2%	100%	$265,000
Cardinal Financial Company, Li	Conventional, FHA, VA	17	0.1%	90.5%	$285,000
Towne Mortgage Company	Conventional, FHA, USDA	17	0.1%	100%	$195,000
Pike Creek Mortgage Services, Inc.	Conventional, FHA, VA, USDA	17	0.1%	94.4%	$225,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, FHA, VA	17	0.1%	81.8%	$355,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA, VA	17	0.1%	85.7%	$105,000	View
Planet Home Lending, LLC	FHA, VA	16	0.1%	66.7%	$295,000
Affinity Plus Federal Credit Union	Conventional, HELOC	15 +4 HELOCs	0.1%	81%	$65,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	15	0.1%	88.2%	$275,000	View
Plaza Home Mortgage, Inc	Conventional, FHA, VA	15	0.1%	57.7%	$255,000
West Gate Bank A+5.0 ★Texas Ratio: 1.69%	Conventional	14	0.1%	88.2%	$335,000	View
Village Capital & Investment	FHA, VA	14	0.1%	76.5%	$305,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	13	0.1%	86.7%	$345,000	View
Nbkc Bank	Conventional, VA	13	0.1%	86.7%	$355,000
Servion	Conventional, FHA	10	0.1%	100%	$155,000
Equity Prime Mortgage LLC	FHA, VA	10	0.1%	83.3%	$265,000
Zillow Home Loans, LLC	Conventional, FHA	10	0.1%	85.7%	$165,000
Farm Credit Mid-America, Aca	Conventional	10	0.1%	100%	$225,000
Envoy Mortgage, Ltd	Conventional, VA, USDA	9	0.1%	100%	$255,000
Bank of America NA A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, Jumbo, HELOC	8 +14 HELOCs	0.1%	72.7%	$255,000	View
Guaranteed Rate Affinity, LLC	Conventional, FHA	8	0.1%	100%	$395,000
Primary Residential Mortgage, INC.	Conventional, FHA, VA	8	0.1%	100%	$305,000
Discover Bank	Conventional	8	0.1%	12.9%	$45,000
American Financing Corporation	Conventional, FHA	8	0.1%	39.5%	$205,000
Performance Equity Partners, Inc.	Conventional	8	0.1%	40%	$45,000
Northwestern Bank, NA A5.0 ★Texas Ratio: 8.29%	Conventional	8	0.1%	100%	$225,000	View
American Pacific Mortgage Corporation	Conventional, FHA, VA	8	0.1%	100%	$225,000
HomeBridge Financial Services, Inc	FHA, VA, HELOC	7 +7 HELOCs	0.1%	63.6%	$295,000
PHH Mortgage Corporation	Conventional, FHA, VA	7	0.1%	77.8%	$345,000
Midwest Bank A+5.0 ★Texas Ratio: 0.44%	Conventional	7	0.1%	100%	$165,000	View
Carrington Mortgage Services LLC	Conventional, FHA, VA	7	0.1%	58.3%	$185,000
Better Mortgage Corporation	Conventional, HELOC	6 +7 HELOCs	0.1%	66.7%	$185,000
Sage Home Loans Corporation	Conventional, VA	6	0.1%	100%	$295,000
AmeriHome Mortgage Company, LLC	FHA	6	0.1%	85.7%	$355,000
Ocmbc, Inc.	Conventional, FHA	6	0.1%	60%	$195,000
Churchill Mortgage Corporation	Conventional	6	0.1%	100%	$105,000
Valley Premier Bank A+5.0 ★Texas Ratio: 0.00%	Conventional	6	0.1%	100%	$95,000	View
Magnifi Financial Credit Union	Conventional, HELOC	5 +5 HELOCs	0%	100%	$215,000
Premia Mortgage, LLC	Conventional	5	0%	100%	$305,000
Primelending	Conventional	5	0%	71.4%	$305,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, Jumbo	5	0%	83.3%	$485,000	View
Kind Lending, LLC	Conventional, FHA, VA	5	0%	62.5%	$325,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional, VA	5	0%	83.3%	$275,000	View
RoundPoint Mortgage Servicing LLC	Conventional, FHA	5	0%	83.3%	$145,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	5	0%	83.3%	$265,000	View
RBC Bank (Georgia), N.A.	Conventional	5	0%	100%	$285,000
PNC Bank N.A. ★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24%	Conventional, VA, HELOC	4 +6 HELOCs	0%	66.7%	$265,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, HELOC	4 +1 HELOCs	0%	100%	$455,000	View
SIRVA Mortgage, Inc.	Conventional, FHA, VA	4	0%	100%	$395,000
Lower, LLC	Conventional, FHA	4	0%	80%	$125,000
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 3.52%	Conventional, USDA	3	0%	100%	$195,000	View
American Financial Resources LLC	Conventional, FHA	3	0%	60%	$345,000
Canopy Mortgage, LLC	Conventional, FHA	3	0%	100%	$305,000
Compeer Financial	Conventional	3	0%	83.3%	$245,000
Movement Mortgage, LLC	Conventional, VA	3	0%	75%	$225,000
Securitynational Mortgage Company	FHA	3	0%	75%	$255,000
Bay Equity LLC	Conventional, FHA, VA	3	0%	100%	$375,000
Chartwell Financial, LLC	Conventional	3	0%	50%	$85,000
Waterstone Mortgage Corporation	Conventional, FHA	3	0%	100%	$385,000
Old Plank Trail Community Bank, N.A. A+5.0 ★Texas Ratio: 2.48%	Conventional	3	0%	100%	$485,000	View
Cortrust Mortgage, Inc.	Conventional, FHA	3	0%	100%	$205,000
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	3	0%	100%	$295,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, VA	3	0%	100%	$195,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	3	0%	100%	$395,000	View
Paramount Residential Mortgage	Conventional, VA	3	0%	100%	$355,000
Texana Bank	Conventional, FHA, VA	3	0%	100%	$245,000
Valon Mortgage	Conventional, HELOC	2 +6 HELOCs	0%	50%	$85,000
First Interstate Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 4.72%	Conventional, HELOC	2 +1 HELOCs	0%	100%	$285,000	View
Wings Financial Credit Union	Conventional, HELOC	2 +1 HELOCs	0%	100%	$345,000
Alliant Credit Union	Conventional, Jumbo	2	0%	100%	$205,000
Cornerstone First Mortgage, LLC	Conventional	2	0%	100%	$375,000
Stride Bank, National Association A5.0 ★Texas Ratio: 6.15%	FHA, VA	2	0%	100%	$215,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	2	0%	100%	$285,000	View
Everett Financial, Inc.	Conventional, FHA	2	0%	100%	$205,000
Synergy One Lending, Inc.	Conventional, FHA	2	0%	100%	$205,000
Stockman Bank of Montana A+5.0 ★Texas Ratio: 4.20%	Conventional	2	0%	66.7%	$175,000	View
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, VA	2	0%	66.7%	$85,000	View
The State Bank of Faribault	Conventional	2	0%	100%	$65,000
Sun West Mortgage Company, Inc	FHA, VA	2	0%	66.7%	$255,000
Credit Union 1	Conventional	2	0%	75%	$25,000
First Dakota National Bak A+5.0 ★Texas Ratio: 4.05%	Conventional	2	0%	100%	$155,000	View
Minnwest Bank A+5.0 ★Texas Ratio: 5.77%	Conventional	2	0%	100%	$255,000	View
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	2	0%	100%	$305,000	View
Libertyville Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.32%	Conventional	2	0%	100%	$375,000	View
Wheaton Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.87%	Conventional, Jumbo	2	0%	100%	$495,000	View
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	2	0%	100%	$55,000	View
Willamette Valley Bank A+5.0 ★Texas Ratio: 0.89%	Conventional, FHA	2	0%	100%	$375,000	View
The Loan Store, Inc	Conventional	2	0%	100%	$225,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0%	100%	$75,000	View
Blaze Credit Union	Conventional	2	0%	100%	$65,000
Flanagan State Bank A4.7 ★Texas Ratio: 2.58%	Conventional, VA	2	0%	100%	$165,000	View
Top Flite Financial, Inc.	Conventional, USDA	2	0%	66.7%	$125,000
Pentagon Federal Credit Union	VA, HELOC	1 +3 HELOCs	0%	50%	$525,000
Citizens Equity First Credit U	Conventional, HELOC	1 +1 HELOCs	0%	100%	$265,000
Black Hills Federal Credit Union	Conventional	1	0%	100%	$605,000
Pioneer Bank & Trust A+5.0 ★Texas Ratio: 0.74%	Conventional	1	0%	100%	$295,000	View
First Horizon Bank ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0%	100%	$725,000	View
Advantage Plus FCU	Conventional	1	0%	100%	$395,000
Neighborhood National Bank B4.5 ★Texas Ratio: 21.20%	Conventional	1	0%	100%	$235,000	View
Generations Bank A5.0 ★Texas Ratio: 10.01%	Conventional	1	0%	100%	$765,000	View
Success Lending, LLC	VA	1	0%	50%	$355,000
Skyone Federal Credit Union	Conventional	1	0%	100%	$395,000
Loansteady LLC	VA	1	0%	100%	$245,000
Bankwest A+5.0 ★Texas Ratio: 3.09%	Conventional	1	0%	100%	$195,000	View
United Federal Credit Union	Conventional	1	0%	100%	$185,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0%	100%	$285,000	View
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	1	0%	100%	$55,000	View
Deephaven Mortgage LLC	Conventional	1	0%	100%	$205,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0%	100%	$265,000
American Financial Network, Inc.	FHA	1	0%	100%	$365,000
Redwood Residential Acquisition Corporation	Conventional, Jumbo	1	0%	100%	$955,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	FHA	1	0%	100%	$425,000	View
Nqm Funding, LLC	Conventional, Jumbo	1	0%	100%	$1,235,000
Levo Federal Credit Union	Conventional	1	0%	100%	$265,000
Credit Union Mortgage Associat	Conventional	1	0%	100%	$305,000
Connexus Credit Union	Conventional	1	0%	50%	$85,000
Pioneer Bank A+5.0 ★Texas Ratio: 4.73%	Conventional	1	0%	100%	$205,000	View
Chevron Federal Credit Union	Conventional	1	0%	100%	$475,000
Weichert Financial Services	Conventional	1	0%	100%	$295,000
Homeowners Financial Group, LLC	Conventional	1	0%	100%	$195,000
Service Federal Credit Union	VA	1	0%	50%	$315,000
Frontier Bank	Conventional	1	0%	100%	$85,000
Nfm, Inc	Conventional	1	0%	100%	$445,000
Deseret First Credit Union	Conventional	1	0%	100%	$225,000
Peoples Bank A5.0 ★Texas Ratio: 10.43%	Conventional	1	0%	100%	$195,000	View
NBH Bank A+5.0 ★Texas Ratio: 2.90%	VA	1	0%	100%	$265,000	View
Midwestone Bank	Conventional	1	0%	100%	$305,000
First National Bank A+5.0 ★Texas Ratio: 2.40%	FHA	1	0%	50%	$425,000	View
T2 Financial LLC	Conventional	1	0%	100%	$375,000
American National Bank of Minnesota	Conventional	1	0%	100%	$145,000
BoxCar Mortgage, LLC	Conventional	1	0%	100%	$275,000
Communityamerica Federal Credit Union	VA	1	0%	100%	$555,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0%	100%	$305,000
St. Charles Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 5.27%	Conventional	1	0%	100%	$475,000	View
Iowa Bankers Mortgage Corporation	Conventional	1	0%	100%	$195,000
Peoples Bank B4.4 ★Texas Ratio: 21.68%	FHA	1	0%	100%	$225,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0%	100%	$175,000	View
Northwest Bank A+5.0 ★Texas Ratio: 1.69%	Conventional	1	0%	100%	$375,000	View
Ultima Bank Minnesota A+5.0 ★Texas Ratio: 5.52%	Conventional	1	0%	100%	$75,000	View
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	Conventional	1	0%	100%	$285,000	View
Mission Loans, LLC	Conventional	1	0%	25%	$385,000
City Bank A+5.0 ★Texas Ratio: 1.71%	Conventional	1	0%	100%	$165,000	View
University Bank A+5.0 ★Texas Ratio: 3.82%	FHA	1	0%	100%	$85,000	View
First Federal Bank & Trust	Conventional	1	0%	100%	$485,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	VA	1	0%	100%	$295,000	View
Black Hills Community Bank, NA	Conventional	1	0%	100%	$325,000
Mortgage Solutions of Colorado	VA	1	0%	100%	$285,000
Genway Home Mortgage, Inc.	VA	1	0%	100%	$355,000
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional	1	0%	100%	$145,000	View
Thrivent Federal Credit Union	Conventional	1	0%	100%	$275,000
Peoples State Bank of Plainview A-4.7 ★Texas Ratio: 9.93%	Conventional	1	0%	100%	$285,000	View
Northrop Grumman Federal Credit Union	Conventional	1	0%	100%	$315,000
Summit Mortgage Corporation	FHA	1	0%	100%	$375,000
Fifth Third Bank, National Association A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0%	100%	$165,000	View
Freeport State Bank A+5.0 ★Texas Ratio: 0.01%	Conventional	1	0%	100%	$285,000	View
Bank Five Nine A5.0 ★Texas Ratio: 8.25%	Conventional	1	0%	100%	$225,000	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0%	100%	$245,000	View
Centennial Bank A+5.0 ★Texas Ratio: 3.14%	FHA	1	0%	100%	$235,000	View
Security Bank & Trust Company A+5.0 ★Texas Ratio: 2.36%	Conventional	1	0%	100%	$235,000	View
South Story Bank & Trust A5.0 ★Texas Ratio: 7.43%	Conventional	1	0%	100%	$285,000	View
Nexera Holding LLC	Conventional	1	0%	100%	$405,000
First National Bank of Omaha A+5.0 ★Texas Ratio: 4.82%	Conventional	1	0%	100%	$285,000	View
The First National Bank in Sioux Falls A+5.0 ★Texas Ratio: 3.28%	Conventional	1	0%	100%	$295,000	View
Figure Lending LLC	HELOC	0 +53 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +52 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Deerwood Bank A+5.0 ★Texas Ratio: 4.01%	HELOC	0 +2 HELOCs	0%	n/a		View
Signature Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
Baxter Credit Union	HELOC	0 +1 HELOCs	0%	0%

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

North Dakota Mortgage Rate Trends

Daily average mortgage rates for North Dakota compared with the national average, updated every evening.

30-Year Fixed ND Avg

7.438%

▲ 0.123 vs 7 days ago

15-Year Fixed ND Avg

6.959%

▲ 0.074 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in North Dakota

Looking for mortgage lenders near me or mortgage brokers near me in North Dakota? Choose your city below to see the banks, credit unions and mortgage brokers that closed home loans there in 2025.

Types of Mortgage Lenders in North Dakota

Use these to narrow the list above. Each category shows how many North Dakota lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 98 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 121 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 35 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 101 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 95 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 35 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 38 lenders. Loans above the conforming limit for higher priced homes Local lenders based in ND 34 lenders headquartered in North Dakota, the closest thing to a mortgage lender near you

Who Lends in North Dakota

Independent mortgage companies closed 35.1 percent of home loans in North Dakota in 2025, banks 51 percent and credit unions 13.9 percent. Valley Mortgage, Inc. was the largest mortgage company, Gate City Bank the largest bank and First Community Credit Union the largest credit union. Among lenders headquartered in North Dakota, Gate City Bank led with 1,834 loans.

35.1%

Mortgage companies

51%

Banks

13.9%

Credit unions

14%

FHA loans

12%

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in North Dakota. None. North Dakota has no real estate transfer tax and no mortgage recording tax.

More North Dakota Mortgage Lenders and Brokers

Each city page ranks the lenders that closed loans inside that city and flags lenders based there. Every city with home loans closed there in 2025 is listed.

Fargo 122 lenders Bismarck 112 lenders West Fargo 96 lenders Minot 66 lenders Grand Forks 84 lenders Mandan 73 lenders Dickinson 63 lenders Williston 64 lenders Horace 52 lenders Jamestown 41 lenders Lincoln 46 lenders Watford City 33 lenders Wahpeton 28 lenders Berthold 28 lenders Surrey 29 lenders Devils Lake 20 lenders Thompson 37 lenders Garrison 31 lenders Valley City 28 lenders Gladstone 28 lenders Grenora 28 lenders Casselton 26 lenders Sawyer 16 lenders Stanley 24 lenders Washburn 33 lenders Kindred 30 lenders Medina 16 lenders Arnegard 21 lenders Flasher 25 lenders New Salem 26 lenders Ray 22 lenders Hatton 23 lenders Killdeer 20 lenders Driscoll 21 lenders Beulah 20 lenders Mayville 23 lenders Linton 18 lenders Larimore 20 lenders Tioga 22 lenders Walcott 20 lenders Belfield 21 lenders Grafton 16 lenders Wyndmere 19 lenders Hazen 15 lenders Mohall 17 lenders Steele 18 lenders Velva 13 lenders Kensal 12 lenders Wishek 12 lenders Hankinson 16 lenders Hunter 20 lenders Langdon 13 lenders Carrington 13 lenders Edgeley 14 lenders Lakota 17 lenders Manvel 20 lenders Lisbon 17 lenders Litchville 12 lenders Oakes 12 lenders Willow City 19 lenders Cavalier 20 lenders Drayton 10 lenders Edmore 13 lenders Northwood 19 lenders Kenmare 13 lenders Stanton 15 lenders Towner 16 lenders Oriska 14 lenders Harvey 8 lenders Cando 12 lenders Richardton 13 lenders Beach 12 lenders Center 15 lenders Ellendale 13 lenders Finley 12 lenders Rugby 15 lenders Bottineau 11 lenders Fairmount 11 lenders Gwinner 13 lenders Hillsboro 15 lenders Napoleon 11 lenders New Rockford 11 lenders Westhope 15 lenders Cooperstown 15 lenders Elgin 11 lenders Tower City 16 lenders Fessenden 13 lenders Fordville 13 lenders New England 11 lenders Bowman 10 lenders Alexander 11 lenders Park River 11 lenders Bowbells 11 lenders Minto 8 lenders Crosby 11 lenders Galesburg 10 lenders Leeds 11 lenders Hettinger 10 lenders LaMoure 8 lenders Englevale 9 lenders Milnor 9 lenders Walhalla 6 lenders Dunseith 9 lenders Enderlin 9 lenders McClusky 9 lenders Parshall 7 lenders Wing 8 lenders Pembina 6 lenders Adams 8 lenders New Town 6 lenders Medora 5 lenders Munich 6 lenders Scranton 6 lenders Belcourt 2 lenders Rolla 4 lenders Fullerton 4 lenders Mott 4 lenders Rolette 3 lenders Warwick 2 lenders Cannon Ball 1 lenders Fort Yates 1 lenders Mandaree 1 lenders Marmarth 1 lenders White Shield 1 lenders

Frequently Asked Questions About Mortgage Lenders in North Dakota

Who is the largest mortgage lender in North Dakota?

By home loans closed in 2025, Gate City Bank was the largest mortgage lender in North Dakota with 1,834 loans, about 15.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in North Dakota have the highest approval rates?

Among lenders with meaningful volume in North Dakota, First State Bank approved the highest share of completed applications in 2025 at 100 percent, against a 86.9 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which North Dakota mortgage lenders offer FHA, VA and USDA loans?

101 lenders closed FHA loans in North Dakota in 2025, led by Fairway Independent Mort Corp with 153. 95 lenders closed VA loans, led by Mortgage Research Center, and 35 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this North Dakota lender list?

Yes. 121 banks and 35 credit unions closed home loans in North Dakota in 2025, alongside 98 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in North Dakota ranked on this page?

Lenders are ranked only by the number of home loans they closed in North Dakota during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in North Dakota for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.