Mortgage Lenders and Brokers in Grafton, 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
Grafton, North Dakota mortgage lenders include First United BankFirst United Bank1011 W 11th St, Grafton, ND 58237A+5.0 ★Texas Ratio: 0.82%, Choice Financial GroupChoice Financial Group645 Hill Ave, Grafton, ND 58237A+5.0 ★Texas Ratio: 2.70%, Old National BankOld National Bank910 Hill Ave, Grafton, ND 58237A+5.0 ★Texas Ratio: 4.98%, Alerus Financial NAAlerus Financial NA3137 32nd Ave Sw, Fargo, ND 58103A+5.0 ★Texas Ratio: 3.32%, KodaBankKodaBank307 Main St W, Cavalier, ND 58220A+5.0 ★Texas Ratio: 2.26%, US Bank, N.A.US Bank, N.A.423 E Bismarck Expy, Bismarck, ND 58504A+5.0 ★Texas Ratio: 2.85%, Bell BankBell Bank520 Main Avenue, Fargo, ND 58103A+5.0 ★Texas Ratio: 3.66%, Bank ForwardBank Forward65 Main Street, Bowdon, ND 58418A5.0 ★Texas Ratio: 6.75%, Capital Credit UnionCapital Credit Union131 W Main St, Beulah, ND 58523A5.0 ★Texas Ratio: 10.18%, and Rocket Mortgage. 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 Grafton, North Dakota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Grafton 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 Grafton, North Dakota
Market share is the lender's share of all home loans closed in Grafton, 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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1 office in Grafton 1011 W 11th St, Grafton, ND 58237 A+5.0 ★Texas Ratio: 0.82% |
Conventional | 3 | 7.9% | 100% | $175,000 | View |
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1 office in Grafton 645 Hill Ave, Grafton, ND 58237 A+5.0 ★Texas Ratio: 2.70% |
Conventional | 3 | 7.9% | 100% | $75,000 | View |
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1 office in Grafton 910 Hill Ave, Grafton, ND 58237 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 1 +3 HELOCs |
2.6% | 50% | $105,000 | View |
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3137 32nd Ave Sw, Fargo, ND 58103 A+5.0 ★Texas Ratio: 3.32% |
Conventional, HELOC | 4 +1 HELOCs |
10.5% | 80% | $142,500 | View |
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307 Main St W, Cavalier, ND 58220 A+5.0 ★Texas Ratio: 2.26% |
Conventional | 2 | 5.3% | 100% | $75,000 | View |
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423 E Bismarck Expy, Bismarck, ND 58504 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 2.6% | 50% | $235,000 | View |
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520 Main Avenue, Fargo, ND 58103 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 2.6% | 100% | $185,000 | View |
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65 Main Street, Bowdon, ND 58418 A5.0 ★Texas Ratio: 6.75% |
Conventional | 1 | 2.6% | 100% | $215,000 | View |
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131 W Main St, Beulah, ND 58523 A5.0 ★Texas Ratio: 10.18% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA | 11 | 28.9% | 91.7% | $135,909 | |
United Wholesale Mortgage
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Conventional, VA | 4 | 10.5% | 80% | $160,000 | |
Nations Lending Corporation
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Conventional, FHA | 2 | 5.3% | 100% | $120,000 | |
Bremer Bank NA
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Conventional | 1 | 2.6% | 100% | $85,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 2.6% | 100% | $235,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 2.6% | 100% | $105,000 | |
Mortgage Research Center
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VA | 1 | 2.6% | 100% | $75,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 2.6% | 100% | $195,000 | |
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a |
Grafton 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 Grafton, North Dakota
Looking for mortgage lenders near me or mortgage brokers near me in Grafton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Grafton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Grafton, ND
Use these to narrow the list above. Each category shows how many Grafton, ND lenders fit and what that kind of lender is usually best for.
Who Lends in Grafton, ND
Independent mortgage companies closed 55.3 percent of home loans in Grafton, North Dakota in 2025, banks 44.7 percent and credit unions 0 percent. Rocket Mortgage was the largest mortgage company, First United Bank the largest bank and Capital Credit Union the largest credit union. Among lenders headquartered in North Dakota, First United Bank led with 3 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 Grafton, ND
By home loans closed in 2025, First United Bank was the largest mortgage lender in Grafton, North Dakota with 3 loans, about 7.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in Grafton, North Dakota in 2025, led by Rocket Mortgage with 5. 2 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. 9 banks and 1 credit unions closed home loans in Grafton, North Dakota in 2025, alongside 8 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 Grafton, 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 Grafton, 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 Grafton. 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.
