Mortgage Lenders and Brokers in Grand Forks, 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
Grand Forks, North Dakota mortgage lenders include Alerus Financial NAAlerus Financial NA401 Demers Ave, Grand Forks, ND 58201A+5.0 ★Texas Ratio: 3.32%, First State BankFirst State Bank2500 32nd Ave S, Grand Forks, ND 58201A+5.0 ★Texas Ratio: 0.00%, Frandsen Bank & TrustFrandsen Bank & Trust1616 S Washington St, Grand Forks, ND 58201A+5.0 ★Texas Ratio: 5.91%, Old National BankOld National Bank3100 S Columbia Rd, Grand Forks, ND 58201A+5.0 ★Texas Ratio: 4.98%, American Federal BankAmerican Federal Bank2551 S Columbia Rd, Grand Forks, ND 58201A+5.0 ★Texas Ratio: 0.00%, US Bank, N.A.US Bank, N.A.600 Demers Ave, Grand Forks, ND 58201A+5.0 ★Texas Ratio: 2.85%, Bank ForwardBank Forward4651 S Columbia Rd, Grand Forks, ND 58201A5.0 ★Texas Ratio: 6.75%, Bell BankBell Bank4303 S Columbia Rd, Grand Forks, ND 58201A+5.0 ★Texas Ratio: 3.66%, KodaBankKodaBank3975 S Columbia Rd, Grand Forks, ND 58201A+5.0 ★Texas Ratio: 2.26%, and Choice Financial GroupChoice Financial Group4501 S Washington St, Grand Forks, ND 58201A+5.0 ★Texas Ratio: 2.70%. 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 Grand Forks, North Dakota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Grand Forks 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 Grand Forks, North Dakota
Market share is the lender's share of all home loans closed in Grand Forks, 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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2 offices in Grand Forks 401 Demers Ave, Grand Forks, ND 58201 A+5.0 ★Texas Ratio: 3.32% |
Conventional, FHA, Jumbo, HELOC | 37 +39 HELOCs |
4.6% | 97.4% | $290,405 | View |
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1 office in Grand Forks 2500 32nd Ave S, Grand Forks, ND 58201 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 31 | 3.8% | 100% | $177,258 | View |
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1 office in Grand Forks 1616 S Washington St, Grand Forks, ND 58201 A+5.0 ★Texas Ratio: 5.91% |
Conventional | 21 | 2.6% | 91.3% | $158,809 | View |
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1 office in Grand Forks 3100 S Columbia Rd, Grand Forks, ND 58201 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 15 +10 HELOCs |
1.8% | 88.2% | $305,666 | View |
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1 office in Grand Forks 2551 S Columbia Rd, Grand Forks, ND 58201 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 9 | 1.1% | 84.6% | $337,222 | View |
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2 offices in Grand Forks 600 Demers Ave, Grand Forks, ND 58201 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 8 +10 HELOCs |
1% | 61.5% | $211,250 | View |
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1 office in Grand Forks 4651 S Columbia Rd, Grand Forks, ND 58201 A5.0 ★Texas Ratio: 6.75% |
Conventional | 8 | 1% | 100% | $195,000 | View |
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1 office in Grand Forks 4303 S Columbia Rd, Grand Forks, ND 58201 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, HELOC | 6 +2 HELOCs |
0.7% | 100% | $363,333 | View |
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1 office in Grand Forks 3975 S Columbia Rd, Grand Forks, ND 58201 A+5.0 ★Texas Ratio: 2.26% |
Conventional | 6 | 0.7% | 100% | $436,666 | View |
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2 offices in Grand Forks 4501 S Washington St, Grand Forks, ND 58201 A+5.0 ★Texas Ratio: 2.70% |
Conventional | 5 | 0.6% | 80% | $237,000 | View |
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1 office in Grand Forks 2610 S Columbia Rd, Grand Forks, ND 58201 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.1% | 33.3% | $225,000 | View |
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★ 5 stars, 1 review 2850 24th Ave S, Grand Forks, ND 58201 A+5.0 ★Texas Ratio: 5.49% |
Conventional, FHA, VA, Jumbo, HELOC | 153 +55 HELOCs |
18.9% | 92.3% | $179,052 | View |
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1970 S Columbia Rd, Grand Forks, ND 58201 B+4.8 ★Texas Ratio: 17.46% |
Conventional, FHA, VA, Jumbo, HELOC | 43 +11 HELOCs |
5.3% | 100% | $315,697 | View |
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2718 S Columbia Rd, Grand Forks, ND 58201 A+5.0 ★Texas Ratio: 0.93% |
Conventional | 27 | 3.3% | 100% | $234,629 | View |
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3351 32nd Ave S, Grand Forks, ND 58201 A+5.0 ★Texas Ratio: 3.52% |
Conventional, FHA, VA | 20 | 2.5% | 90.9% | $195,500 | View |
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300 Main St, Adams, ND 58210 A+5.0 ★Texas Ratio: 0.82% |
Conventional | 2 | 0.2% | 100% | $290,000 | View |
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1806 N 12th St, Bismarck, ND 58501 B4.5 ★Texas Ratio: 21.20% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
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1501 32nd Ave S, Fargo, ND 58103 5902 A5.0 ★Texas Ratio: 10.41% |
FHA | 1 | 0.1% | 100% | $215,000 | View |
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401 N 4th St, Bismarck, ND 58501 A+5.0 ★Texas Ratio: 5.48% |
Conventional | 1 | 0.1% | 100% | $265,000 | View |
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110 4th St Se, Devils Lake, ND 58301 A5.0 ★Texas Ratio: 6.13% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
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3005 Rock Island Pl, Bismarck, ND 58504 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.1% | 100% | $85,000 | View |
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3703 Lockport St, Bismarck, ND 58503 A-5.0 ★Texas Ratio: 15.55% |
Conventional | 1 | 0.1% | 100% | $295,000 | View |
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4330 13th Ave S, Fargo, ND 58103 A+5.0 ★Texas Ratio: 3.68% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Valley Mortgage, Inc.
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VA | 1 | 0.1% | 100% | $565,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 131 | 16.2% | 97.1% | $306,374 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional, FHA, VA, USDA | 44 | 5.4% | 97.8% | $253,409 | View |
Rocket Mortgage
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Conventional, FHA, VA | 27 | 3.3% | 82.9% | $199,444 | |
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A5.0 ★Texas Ratio: 13.85% |
Conventional, FHA, VA | 23 | 2.8% | 95.8% | $271,521 | View |
Nations Lending Corporation
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Conventional, FHA, VA | 20 | 2.5% | 100% | $254,500 | |
Florida Capital Bank, N.A
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Conventional | 19 | 2.3% | 100% | $277,631 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA | 14 | 1.7% | 93.3% | $242,142 | |
Mortgage Research Center
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VA | 11 | 1.4% | 68.8% | $303,181 | |
21St Mortgage
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Conventional | 10 | 1.2% | 45.8% | $43,000 | |
Freedom Mortgage Corporation
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VA | 9 | 1.1% | 81.8% | $259,444 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 6 +1 HELOCs |
0.7% | 100% | $203,333 | |
Nationstar Mortgage
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Conventional, FHA, VA | 6 | 0.7% | 100% | $250,000 | |
Bremer Bank NA
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Conventional, FHA, HELOC | 5 +3 HELOCs |
0.6% | 100% | $157,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 5 | 0.6% | 66.7% | $325,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA, VA | 5 | 0.6% | 100% | $327,000 | View |
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A+5.0 ★Texas Ratio: 3.28% |
Conventional | 4 | 0.5% | 100% | $182,500 | View |
Pennymac Loan Services LLC
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Conventional, FHA | 4 | 0.5% | 57.1% | $132,500 | |
Cardinal Financial Company, Li
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Conventional, FHA, VA | 4 | 0.5% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 4 | 0.5% | 66.7% | $137,500 | View |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 3 | 0.4% | 100% | $328,333 | View |
Newrez LLC
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Conventional, VA | 3 | 0.4% | 80% | $181,666 | |
Chartwell Financial, LLC
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Conventional | 3 | 0.4% | 50% | $61,666 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 3 | 0.4% | 75% | $258,333 | View |
Cambria Financial Group
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Conventional, FHA | 3 | 0.4% | 100% | $251,666 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 0.4% | 50% | $201,666 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 3 | 0.4% | 100% | $258,333 | |
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C+4.1 ★Texas Ratio: 26.29% |
Conventional | 3 | 0.4% | 37.5% | $78,333 | View |
Nbkc Bank
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Conventional, VA | 2 | 0.2% | 100% | $460,000 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 0.2% | 100% | $210,000 | |
Affinity Plus Federal Credit Union
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Conventional | 2 | 0.2% | 100% | $95,000 | |
loanDepot.com LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $115,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $95,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.1% | 100% | $185,000 | |
Primelending
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Conventional | 1 | 0.1% | 100% | $185,000 | |
Servion
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Conventional | 1 | 0.1% | 100% | $205,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.1% | 100% | $205,000 | |
Skyone Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 3.09% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
Triad Financial Services, Inc.
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Conventional | 1 | 0.1% | 100% | $125,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.1% | 100% | $205,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.1% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.1% | 100% | $795,000 | View |
Discover Bank
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Conventional | 1 | 0.1% | 50% | $35,000 | |
Citizens Equity First Credit U
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Conventional | 1 | 0.1% | 100% | $265,000 | |
SIRVA Mortgage, Inc.
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FHA | 1 | 0.1% | 100% | $395,000 | |
Service Federal Credit Union
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VA | 1 | 0.1% | 100% | $315,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $165,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.1% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 0.1% | 100% | $375,000 | View |
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A+5.0 ★Texas Ratio: 2.48% |
Conventional | 1 | 0.1% | 100% | $565,000 | View |
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A+5.0 ★Texas Ratio: 3.87% |
Conventional, Jumbo | 1 | 0.1% | 100% | $805,000 | View |
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A+5.0 ★Texas Ratio: 5.27% |
Conventional | 1 | 0.1% | 100% | $475,000 | View |
Iowa Bankers Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 5.52% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
Zillow Home Loans, LLC
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FHA | 1 | 0.1% | 100% | $295,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.1% | 100% | $135,000 | |
Lower, LLC
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FHA | 1 | 0.1% | 100% | $175,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.1% | 100% | $215,000 | View |
Paramount Residential Mortgage
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VA | 1 | 0.1% | 100% | $225,000 | |
Carrington Mortgage Services LLC
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VA | 1 | 0.1% | 50% | $265,000 | |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.1% | 50% | $165,000 | View |
Figure Lending LLC
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.01% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Grand Forks 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 Grand Forks, North Dakota
Looking for mortgage lenders near me or mortgage brokers near me in Grand Forks? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Grand Forks in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Grand Forks, ND
Use these to narrow the list above. Each category shows how many Grand Forks, ND lenders fit and what that kind of lender is usually best for.
Who Lends in Grand Forks, ND
Independent mortgage companies closed 34 percent of home loans in Grand Forks, North Dakota in 2025, banks 61.9 percent and credit unions 4.1 percent. Valley Mortgage, Inc. was the largest mortgage company, Alerus Financial NA the largest bank and First Community Credit Union the largest credit union. Among lenders headquartered in North Dakota, Alerus Financial NA led with 37 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 Grand Forks, ND
By home loans closed in 2025, Alerus Financial NA was the largest mortgage lender in Grand Forks, North Dakota with 37 loans, about 4.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Grand Forks, North Dakota, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 97.1 percent, against a 90.2 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.
28 lenders closed FHA loans in Grand Forks, North Dakota in 2025, led by United Wholesale Mortgage with 27. 27 lenders closed VA loans, led by United Wholesale Mortgage, and 1 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.
Yes. 44 banks and 8 credit unions closed home loans in Grand Forks, North Dakota in 2025, alongside 37 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 Grand Forks, 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 Grand Forks, 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 Grand Forks. 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.
