Mortgage Lenders and Brokers in Horace, 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
Horace, North Dakota mortgage lenders include Gate City BankGate City Bank1725 Golf Dr, Bismarck, ND 58503A+5.0 ★Texas Ratio: 5.49%, Bell BankBell Bank520 Main Avenue, Fargo, ND 58103A+5.0 ★Texas Ratio: 3.66%, Town and Country Credit UnionTown and Country Credit Union1501 32nd Ave S, Fargo, ND 58103 5902A5.0 ★Texas Ratio: 10.41%, First International Bank & TrustFirst International Bank & Trust616 Oak Street, Alexander, ND 58831B+4.8 ★Texas Ratio: 17.46%, Western State BankWestern State Bank110 4th St Se, Devils Lake, ND 58301A5.0 ★Texas Ratio: 6.13%, US Bank, N.A.US Bank, N.A.423 E Bismarck Expy, Bismarck, ND 58504A+5.0 ★Texas Ratio: 2.85%, Bank ForwardBank Forward65 Main Street, Bowdon, ND 58418A5.0 ★Texas Ratio: 6.75%, First Community Credit UnionFirst Community Credit Union204 Main St, Bisbee, ND 58317A+5.0 ★Texas Ratio: 3.52%, Capital Credit UnionCapital Credit Union131 W Main St, Beulah, ND 58523A5.0 ★Texas Ratio: 10.18%, and United Valley BankUnited Valley Bank211 Division Ave S, Cavalier, ND 58220A+5.0 ★Texas Ratio: 0.93%. 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 Horace, North Dakota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Horace 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 Horace, North Dakota
Market share is the lender's share of all home loans closed in Horace, 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 1725 Golf Dr, Bismarck, ND 58503 A+5.0 ★Texas Ratio: 5.49% |
Conventional, FHA, VA, Jumbo, HELOC | 33 +6 HELOCs |
13.1% | 94.3% | $276,212 | View |
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520 Main Avenue, Fargo, ND 58103 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, HELOC | 20 +7 HELOCs |
8% | 90.9% | $263,500 | View |
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1501 32nd Ave S, Fargo, ND 58103 5902 A5.0 ★Texas Ratio: 10.41% |
Conventional, FHA, VA, Jumbo | 19 | 7.6% | 95% | $280,263 | View |
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616 Oak Street, Alexander, ND 58831 B+4.8 ★Texas Ratio: 17.46% |
Conventional, FHA, VA, USDA, HELOC | 17 +4 HELOCs |
6.8% | 100% | $379,705 | View |
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110 4th St Se, Devils Lake, ND 58301 A5.0 ★Texas Ratio: 6.13% |
Conventional, FHA | 7 | 2.8% | 87.5% | $309,285 | View |
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423 E Bismarck Expy, Bismarck, ND 58504 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 5 +1 HELOCs |
2% | 71.4% | $347,000 | View |
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65 Main Street, Bowdon, ND 58418 A5.0 ★Texas Ratio: 6.75% |
Conventional | 5 | 2% | 100% | $193,000 | View |
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204 Main St, Bisbee, ND 58317 A+5.0 ★Texas Ratio: 3.52% |
Conventional, FHA | 5 | 2% | 100% | $403,000 | View |
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131 W Main St, Beulah, ND 58523 A5.0 ★Texas Ratio: 10.18% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
1.2% | 100% | $435,000 | View |
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211 Division Ave S, Cavalier, ND 58220 A+5.0 ★Texas Ratio: 0.93% |
Conventional, Jumbo | 2 | 0.8% | 100% | $390,000 | View |
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710 S Washington St, Bismarck, ND 58504 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 2 | 0.8% | 100% | $405,000 | View |
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401 N 4th St, Bismarck, ND 58501 A+5.0 ★Texas Ratio: 5.48% |
Conventional | 2 | 0.8% | 100% | $30,000 | View |
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307 Main St W, Cavalier, ND 58220 A+5.0 ★Texas Ratio: 2.26% |
Conventional | 2 | 0.8% | 100% | $515,000 | View |
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1301 30th Ave S, Fargo, ND 58103 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 0.8% | 100% | $495,000 | View |
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227 Main St N, Belfield, ND 58622 A+5.0 ★Texas Ratio: 2.70% |
Conventional | 2 | 0.8% | 100% | $300,000 | View |
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3137 32nd Ave Sw, Fargo, ND 58103 A+5.0 ★Texas Ratio: 3.32% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $255,000 | View |
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115 S Central Ave, Beach, ND 58621 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.4% | 100% | $1,295,000 | View |
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300 Main St, Adams, ND 58210 A+5.0 ★Texas Ratio: 0.82% |
Conventional | 1 | 0.4% | 100% | $295,000 | View |
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4330 13th Ave S, Fargo, ND 58103 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,305,000 | View |
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413 N 5th St, Bismarck, ND 58501 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.4% | 50% | $305,000 | View |
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3703 Lockport St, Bismarck, ND 58503 A-5.0 ★Texas Ratio: 15.55% |
Conventional | 1 | 0.4% | 100% | $295,000 | View |
Valley Mortgage, Inc.
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Conventional, FHA, VA | 16 | 6.4% | 94.1% | $408,125 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 20 | 8% | 95.2% | $331,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 15 | 6% | 100% | $340,333 | |
Guild Mortgage Company
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Conventional, FHA, VA | 10 | 4% | 100% | $234,000 | |
Cambria Financial Group
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Conventional, FHA | 6 | 2.4% | 100% | $330,000 | |
Cmg Mortgage Inc
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Conventional, FHA, VA | 5 | 2% | 100% | $399,000 | |
Rocket Mortgage
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Conventional, VA | 4 | 1.6% | 80% | $185,000 | |
Mortgage Research Center
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VA | 4 | 1.6% | 100% | $415,000 | |
Primary Residential Mortgage, INC.
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Conventional, FHA, VA | 3 | 1.2% | 100% | $461,666 | |
CrossCountry Mortgage, LLC
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Conventional, USDA, Jumbo | 3 | 1.2% | 100% | $511,666 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 3 | 1.2% | 100% | $241,666 | |
First Colony Mortgage Corporat
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FHA | 3 | 1.2% | 100% | $305,000 | |
Newrez LLC
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Conventional, VA | 2 | 0.8% | 60% | $465,000 | |
loanDepot.com LLC
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FHA, VA | 2 | 0.8% | 66.7% | $240,000 | |
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A5.0 ★Texas Ratio: 13.85% |
FHA | 2 | 0.8% | 100% | $330,000 | View |
The State Bank of Faribault
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Conventional | 2 | 0.8% | 100% | $100,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 0.8% | 100% | $180,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.8% | 66.7% | $425,000 | View |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 0.8% | 100% | $325,000 | |
Village Capital & Investment
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VA | 2 | 0.8% | 100% | $315,000 | |
Affinity Plus Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $15,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.4% | 100% | $485,000 | View |
Freedom Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $305,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.4% | 100% | $345,000 | |
Amerisave Mortgage Company
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VA | 1 | 0.4% | 100% | $545,000 | |
Levo Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $265,000 | |
Bay Equity LLC
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VA | 1 | 0.4% | 100% | $685,000 | |
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A+5.0 ★Texas Ratio: 5.75% |
Conventional | 1 | 0.4% | 100% | $65,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $185,000 | |
Keystone Funding, Inc
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Conventional | 1 | 0.4% | 100% | $555,000 | |
Navy Federal Credit Union
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VA | 1 | 0.4% | 100% | $315,000 | |
Bremer Bank NA
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Horace 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 Horace, North Dakota
Looking for mortgage lenders near me or mortgage brokers near me in Horace? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Horace in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Horace, ND
Use these to narrow the list above. Each category shows how many Horace, ND lenders fit and what that kind of lender is usually best for.
Who Lends in Horace, ND
Independent mortgage companies closed 43 percent of home loans in Horace, North Dakota in 2025, banks 44.6 percent and credit unions 12.4 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 33 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 Horace, ND
By home loans closed in 2025, Gate City Bank was the largest mortgage lender in Horace, North Dakota with 33 loans, about 13.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
21 lenders closed FHA loans in Horace, North Dakota in 2025, led by United Wholesale Mortgage with 8. 21 lenders closed VA loans, led by Gate City Bank, and 2 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. 23 banks and 7 credit unions closed home loans in Horace, North Dakota in 2025, alongside 24 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 Horace, 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 Horace, 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 Horace. 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.
