Mortgage Lenders and Brokers in Fargo, North Dakota
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Fargo, North Dakota mortgage lenders include Gate City BankGate City Bank1532 32nd Ave S, Fargo, ND 58103A+5.0 ★Texas Ratio: 5.49%, Bell BankBell Bank520 Main Avenue, Fargo, ND 58103A+5.0 ★Texas Ratio: 3.66%, Western State BankWestern State Bank4201 45th St S, Fargo, ND 58104A5.0 ★Texas Ratio: 6.13%, US Bank, N.A.US Bank, N.A.3225 25th St S, Fargo, ND 58104A+5.0 ★Texas Ratio: 2.85%, Bravera BankBravera Bank3000 25th St S, Fargo, ND 58103A+5.0 ★Texas Ratio: 5.48%, Old National BankOld National Bank1444 45th St Sw, Fargo, ND 58103A+5.0 ★Texas Ratio: 4.98%, Bank ForwardBank Forward5650 37th Ave S, Fargo, ND 58104A5.0 ★Texas Ratio: 6.75%, Choice Financial GroupChoice Financial Group4501 23rd Ave S, Fargo, ND 58104A+5.0 ★Texas Ratio: 2.70%, American Federal BankAmerican Federal Bank1301 30th Ave S, Fargo, ND 58103A+5.0 ★Texas Ratio: 0.00%, and Dacotah BankDacotah Bank4302 13th Ave S, Fargo, ND 58103A5.0 ★Texas Ratio: 12.58%. 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 Fargo, North Dakota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fargo are listed first, then lenders elsewhere in North Dakota, 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 Fargo, North Dakota
Market share is the lender's share of all home loans closed in Fargo, 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. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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★ 5 stars, 1 review 1532 32nd Ave S, Fargo, ND 58103 A+5.0 ★Texas Ratio: 5.49% |
Conventional, FHA, VA, Jumbo, HELOC | 316 +79 HELOCs |
17.9% | 89.5% | $203,512 | View |
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6 offices in Fargo 520 Main Avenue, Fargo, ND 58103 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, Jumbo, HELOC | 206 +107 HELOCs |
11.7% | 92.5% | $228,592 | View |
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1 office in Fargo 4201 45th St S, Fargo, ND 58104 A5.0 ★Texas Ratio: 6.13% |
Conventional, FHA, VA | 41 | 2.3% | 91.1% | $294,268 | View |
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6 offices in Fargo 3225 25th St S, Fargo, ND 58104 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA, Jumbo, HELOC | 33 +10 HELOCs |
1.9% | 77.3% | $243,181 | View |
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2 offices in Fargo 3000 25th St S, Fargo, ND 58103 A+5.0 ★Texas Ratio: 5.48% |
Conventional, Jumbo | 33 | 1.9% | 100% | $271,060 | View |
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1 office in Fargo 1444 45th St Sw, Fargo, ND 58103 A+5.0 ★Texas Ratio: 4.98% |
Conventional, FHA, VA, Jumbo | 22 | 1.2% | 95.7% | $318,181 | View |
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5650 37th Ave S, Fargo, ND 58104 A5.0 ★Texas Ratio: 6.75% |
Conventional | 20 | 1.1% | 100% | $306,000 | View |
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4501 23rd Ave S, Fargo, ND 58104 A+5.0 ★Texas Ratio: 2.70% |
Conventional | 19 | 1.1% | 100% | $219,736 | View |
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1 office in Fargo 1301 30th Ave S, Fargo, ND 58103 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 18 | 1% | 85.2% | $315,000 | View |
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1 office in Fargo 4302 13th Ave S, Fargo, ND 58103 A5.0 ★Texas Ratio: 12.58% |
Conventional, FHA, VA | 16 | 0.9% | 100% | $328,125 | View |
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2 offices in Fargo 3137 32nd Ave Sw, Fargo, ND 58103 A+5.0 ★Texas Ratio: 3.32% |
Conventional, FHA, HELOC | 13 +27 HELOCs |
0.7% | 100% | $208,846 | View |
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1 office in Fargo 4040 42nd St S, Fargo, ND 58104 A-5.0 ★Texas Ratio: 15.55% |
Conventional, FHA, VA | 13 | 0.7% | 92.9% | $301,153 | View |
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3 offices in Fargo 3201 University Dr S, Fargo, ND 58104 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 12 | 0.7% | 75% | $182,500 | View |
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1 office in Fargo 3232 25th St S, Fargo, ND 58104 A+5.0 ★Texas Ratio: 0.82% |
Conventional | 11 | 0.6% | 100% | $234,090 | View |
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1 office in Fargo 3203 32nd Ave S, Fargo, ND 58103 A5.0 ★Texas Ratio: 11.40% |
Conventional | 11 | 0.6% | 84.6% | $149,545 | View |
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2627 University Dr S, Fargo, ND 58103 B4.5 ★Texas Ratio: 21.20% |
Conventional | 9 | 0.5% | 100% | $150,555 | View |
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1 office in Fargo 3181 42nd St S, Fargo, ND 58104 A+5.0 ★Texas Ratio: 2.26% |
Conventional | 8 | 0.5% | 100% | $245,000 | View |
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3300 Jacks Way S, Fargo, ND 58104 A+5.0 ★Texas Ratio: 0.93% |
Conventional | 6 | 0.3% | 100% | $170,000 | View |
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3 offices in Fargo 4330 13th Ave S, Fargo, ND 58103 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 3 +1 HELOCs |
0.2% | 60% | $255,000 | View |
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3 offices in Fargo 2754 Brandt Dr S, Fargo, ND 58104 A5.0 ★Texas Ratio: 10.59% |
Conventional | 3 | 0.2% | 100% | $398,333 | View |
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1 office in Fargo 520 Main Ave, Fargo, ND 58103 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Valley Mortgage, Inc.
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Conventional, FHA, VA, HELOC | 86 +1 HELOCs |
4.9% | 96.6% | $305,697 | |
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3001 25th St S, Fargo, ND 58103 B+4.8 ★Texas Ratio: 17.46% |
Conventional, FHA, VA, Jumbo, HELOC | 93 +36 HELOCs |
5.3% | 98.9% | $337,150 | View |
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1501 32nd Ave S, Fargo, ND 58103 5902 A5.0 ★Texas Ratio: 10.41% |
Conventional, FHA, VA | 85 | 4.8% | 96.6% | $206,764 | View |
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4521 19th Ave S, Fargo, ND 58103 7701 A+5.0 ★Texas Ratio: 3.52% |
Conventional, FHA, VA | 49 | 2.8% | 96.1% | $195,816 | View |
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4900 13th Ave S, Fargo, ND 58103 A5.0 ★Texas Ratio: 10.18% |
Conventional, FHA, Jumbo, HELOC | 22 +11 HELOCs |
1.2% | 100% | $319,090 | View |
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423 Broadway, Buxton, ND 58218 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 4 | 0.2% | 100% | $252,500 | View |
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325 Main St, Gackle, ND 58442 A-5.0 ★Texas Ratio: 14.67% |
Conventional | 3 | 0.2% | 100% | $211,666 | View |
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2911 N 14th St, Bismarck, ND 58503 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 3 | 0.2% | 100% | $221,666 | View |
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401 1st Ave S, Jamestown, ND 58401 A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.1% | 50% | $115,000 | View |
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PO Box 366, Beach, ND 58621 0366 A5.0 ★Texas Ratio: 9.52% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
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919 S 7th St, Bismarck, ND 58504 A+5.0 ★Texas Ratio: 0.58% |
Conventional | 1 | 0.1% | 100% | $285,000 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 122 | 6.9% | 86.6% | $306,721 | |
Guild Mortgage Company
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Conventional, FHA, VA | 54 | 3.1% | 100% | $183,518 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 53 | 3% | 78.3% | $209,150 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 36 | 2% | 100% | $328,888 | |
Cambria Financial Group
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Conventional, FHA, VA | 33 | 1.9% | 100% | $357,727 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, HELOC | 29 +1 HELOCs |
1.6% | 82.9% | $309,482 | |
Newrez LLC
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Conventional, FHA, VA | 24 | 1.4% | 89.3% | $269,166 | |
Mortgage Research Center
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FHA, VA | 21 | 1.2% | 75% | $309,285 | |
First Colony Mortgage Corporat
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Conventional, FHA, VA | 16 | 0.9% | 90.9% | $301,875 | |
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A5.0 ★Texas Ratio: 13.85% |
Conventional, FHA | 15 | 0.9% | 93.8% | $293,000 | View |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 14 | 0.8% | 70% | $230,000 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, HELOC | 13 +2 HELOCs |
0.7% | 100% | $282,692 | |
Freedom Mortgage Corporation
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FHA, VA | 13 | 0.7% | 83.3% | $358,846 | |
New American Funding, LLC.
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Conventional, FHA, VA | 12 | 0.7% | 100% | $246,666 | |
Nationstar Mortgage
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Conventional, FHA | 7 | 0.4% | 70% | $192,142 | |
Bremer Bank NA
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Conventional, FHA, HELOC | 6 +2 HELOCs |
0.3% | 85.7% | $248,333 | |
Affinity Plus Federal Credit Union
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Conventional, HELOC | 6 +1 HELOCs |
0.3% | 85.7% | $211,666 | |
Amerisave Mortgage Company
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Conventional, FHA | 5 | 0.3% | 33.3% | $85,000 | |
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A5.0 ★Texas Ratio: 8.29% |
Conventional | 5 | 0.3% | 100% | $257,000 | View |
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A+5.0 ★Texas Ratio: 5.75% |
Conventional, HELOC | 4 +10 HELOCs |
0.2% | 100% | $370,000 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 4 +2 HELOCs |
0.2% | 80% | $207,500 | |
Sage Home Loans Corporation
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Conventional, VA | 4 | 0.2% | 100% | $300,000 | |
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A+5.0 ★Texas Ratio: 1.69% |
Conventional | 4 | 0.2% | 100% | $395,000 | View |
Navy Federal Credit Union
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Conventional, VA | 4 | 0.2% | 50% | $257,500 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, VA | 4 | 0.2% | 100% | $165,000 | View |
Magnifi Financial Credit Union
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Conventional, HELOC | 3 +4 HELOCs |
0.2% | 100% | $258,333 | |
Mutual of Omaha Mortgage
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Conventional, FHA, HELOC | 3 +1 HELOCs |
0.2% | 75% | $231,666 | |
Envoy Mortgage, Ltd
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Conventional, VA | 3 | 0.2% | 100% | $325,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA, Jumbo | 3 | 0.2% | 100% | $555,000 | View |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 3 | 0.2% | 100% | $138,333 | View |
Florida Capital Bank, N.A
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Conventional | 3 | 0.2% | 100% | $335,000 | |
21St Mortgage
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Conventional | 3 | 0.2% | 33.3% | $68,333 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 2 | 0.1% | 80% | $190,000 | |
PHH Mortgage Corporation
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Conventional, FHA | 2 | 0.1% | 100% | $310,000 | |
Ocmbc, Inc.
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Conventional | 2 | 0.1% | 100% | $280,000 | |
Cardinal Financial Company, Li
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Conventional | 2 | 0.1% | 100% | $430,000 | |
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A+5.0 ★Texas Ratio: 0.44% |
Conventional | 2 | 0.1% | 100% | $130,000 | View |
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A+5.0 ★Texas Ratio: 5.77% |
Conventional | 2 | 0.1% | 100% | $280,000 | View |
Planet Home Lending, LLC
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VA | 2 | 0.1% | 100% | $405,000 | |
Nations Lending Corporation
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Conventional, Jumbo | 2 | 0.1% | 100% | $660,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 2 | 0.1% | 100% | $230,000 | View |
Pike Creek Mortgage Services, Inc.
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Conventional | 2 | 0.1% | 66.7% | $280,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 2 | 0.1% | 100% | $290,000 | View |
Texana Bank
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Conventional, FHA | 2 | 0.1% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +6 HELOCs |
0.1% | 50% | $575,000 | View |
Alliant Credit Union
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,205,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.1% | 100% | $265,000 | View |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $375,000 | |
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B4.5 ★Texas Ratio: 21.20% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
Primelending
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Conventional | 1 | 0.1% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
Primary Residential Mortgage, INC.
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VA | 1 | 0.1% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 6.15% |
FHA | 1 | 0.1% | 100% | $315,000 | View |
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A+5.0 ★Texas Ratio: 3.28% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
Canopy Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $295,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.1% | 50% | $175,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.1% | 75% | $65,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 0.1% | 100% | $265,000 | View |
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A+5.0 ★Texas Ratio: 5.44% |
VA | 1 | 0.1% | 100% | $85,000 | View |
Nextmortgage, LLC
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Conventional | 1 | 0.1% | 100% | $185,000 | |
Connexus Credit Union
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Conventional | 1 | 0.1% | 100% | $85,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.1% | 100% | $245,000 | |
American Financing Corporation
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FHA | 1 | 0.1% | 66.7% | $425,000 | |
Bay Equity LLC
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Conventional | 1 | 0.1% | 100% | $235,000 | |
Nfm, Inc
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Conventional | 1 | 0.1% | 100% | $445,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $185,000 | |
Midwestone Bank
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Conventional | 1 | 0.1% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.1% | 100% | $325,000 | View |
T2 Financial LLC
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Conventional | 1 | 0.1% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.1% | 100% | $305,000 | View |
BoxCar Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $275,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
Cortrust Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 1.71% |
Conventional | 1 | 0.1% | 100% | $165,000 | View |
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A+5.0 ★Texas Ratio: 3.82% |
FHA | 1 | 0.1% | 100% | $85,000 | View |
Black Hills Community Bank, NA
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Conventional | 1 | 0.1% | 100% | $325,000 | |
Keystone Funding, Inc
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VA | 1 | 0.1% | 100% | $375,000 | |
Thrivent Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $275,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $205,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $195,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.1% | 100% | $225,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.1% | 50% | $305,000 | View |
RBC Bank (Georgia), N.A.
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Conventional | 1 | 0.1% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 2.36% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.1% | 100% | $555,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.1% | 100% | $155,000 | View |
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A4.7 ★Texas Ratio: 2.58% |
VA | 1 | 0.1% | 100% | $235,000 | View |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.1% | 33.3% | $225,000 | |
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A+5.0 ★Texas Ratio: 3.28% |
Conventional | 1 | 0.1% | 100% | $295,000 | View |
Village Capital & Investment
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VA | 1 | 0.1% | 33.3% | $255,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +9 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Baxter Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Fargo Mortgage Rate Trends
Daily average mortgage rates for North Dakota compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Fargo, North Dakota
Looking for mortgage lenders near me or mortgage brokers near me in Fargo? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Fargo in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Fargo, ND
Use these to narrow the list above. Each category shows how many Fargo, ND lenders fit and what that kind of lender is usually best for.
Who Lends in Fargo, ND
Independent mortgage companies closed 33.6 percent of home loans in Fargo, North Dakota in 2025, banks 56.4 percent and credit unions 10.1 percent. Valley Mortgage, Inc. was the largest mortgage company, Gate City Bank the largest bank and Town and Country Credit Union the largest credit union. Among lenders headquartered in North Dakota, Gate City Bank led with 316 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 Lender Pages
Frequently Asked Questions About Mortgage Lenders in Fargo, ND
By home loans closed in 2025, Gate City Bank was the largest mortgage lender in Fargo, North Dakota with 316 loans, about 17.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Fargo, North Dakota, Guild Mortgage Company approved the highest share of completed applications in 2025 at 100 percent, against a 90.3 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.
43 lenders closed FHA loans in Fargo, North Dakota in 2025, led by United Wholesale Mortgage with 18. 42 lenders closed VA loans, led by United Wholesale Mortgage. 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.
Yes. 64 banks and 12 credit unions closed home loans in Fargo, North Dakota in 2025, alongside 53 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.
Lenders are ranked only by the number of home loans they closed in Fargo, 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 Fargo, 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. City figures use the Census tracts that make up Fargo. 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.
