Mortgage Lenders and Brokers in Richardton, 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
Richardton, North Dakota mortgage lenders include Dakota Community Bank & Trust, NADakota Community Bank & Trust, NA128 B St N, Richardton, ND 58652A+5.0 ★Texas Ratio: 0.58%, Gate City BankGate City Bank1725 Golf Dr, Bismarck, ND 58503A+5.0 ★Texas Ratio: 5.49%, Western Cooperative Credit UnionWestern Cooperative Credit UnionPO Box 366, Beach, ND 58621 0366A5.0 ★Texas Ratio: 9.52%, Cornerstone BankCornerstone Bank1806 N 12th St, Bismarck, ND 58501B4.5 ★Texas Ratio: 21.20%, Bravera BankBravera Bank401 N 4th St, Bismarck, ND 58501A+5.0 ★Texas Ratio: 5.48%, BMO Harris Bank NABMO Harris Bank NA115 S Central Ave, Beach, ND 58621A+5.0 ★Texas Ratio: 3.54%, Mortgage Research Center, Ark-La-Tex Financial Services LLC, CrossCountry Mortgage, LLC, and loanDepot.com LLC. 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 Richardton, North Dakota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Richardton 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 Richardton, North Dakota
Market share is the lender's share of all home loans closed in Richardton, 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 Richardton 128 B St N, Richardton, ND 58652 A+5.0 ★Texas Ratio: 0.58% |
Conventional, USDA | 3 | 13% | 100% | $228,333 | View |
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★ 5 stars, 1 review 1725 Golf Dr, Bismarck, ND 58503 A+5.0 ★Texas Ratio: 5.49% |
Conventional | 5 | 21.7% | 83.3% | $165,000 | View |
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PO Box 366, Beach, ND 58621 0366 A5.0 ★Texas Ratio: 9.52% |
Conventional, FHA | 2 | 8.7% | 100% | $140,000 | View |
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1806 N 12th St, Bismarck, ND 58501 B4.5 ★Texas Ratio: 21.20% |
Conventional | 1 | 4.3% | 100% | $55,000 | View |
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401 N 4th St, Bismarck, ND 58501 A+5.0 ★Texas Ratio: 5.48% |
Conventional | 1 | 4.3% | 100% | $145,000 | View |
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115 S Central Ave, Beach, ND 58621 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 4.3% | 100% | $85,000 | View |
Mortgage Research Center
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VA | 3 | 13% | 75% | $255,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 2 | 8.7% | 100% | $195,000 | |
CrossCountry Mortgage, LLC
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VA | 1 | 4.3% | 100% | $155,000 | |
loanDepot.com LLC
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Conventional | 1 | 4.3% | 100% | $85,000 | |
Keystone Funding, Inc
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Conventional | 1 | 4.3% | 100% | $215,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 4.3% | 100% | $75,000 | View |
Fairway Independent Mort Corp
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FHA | 1 | 4.3% | 100% | $145,000 | |
Figure Lending LLC
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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 |
Richardton 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 Richardton, North Dakota
Looking for mortgage lenders near me or mortgage brokers near me in Richardton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Richardton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Richardton, ND
Use these to narrow the list above. Each category shows how many Richardton, ND lenders fit and what that kind of lender is usually best for.
Who Lends in Richardton, ND
Independent mortgage companies closed 39.1 percent of home loans in Richardton, North Dakota in 2025, banks 52.2 percent and credit unions 8.7 percent. Mortgage Research Center was the largest mortgage company, Dakota Community Bank & Trust, NA the largest bank and Western Cooperative Credit Union the largest credit union. Among lenders headquartered in North Dakota, Dakota Community Bank & Trust, NA 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 Richardton, ND
By home loans closed in 2025, Dakota Community Bank & Trust, NA was the largest mortgage lender in Richardton, North Dakota with 3 loans, about 13 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Richardton, North Dakota in 2025, led by Western Cooperative Credit Union with 1. 2 lenders closed VA loans, led by Mortgage Research Center, 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. 6 banks and 1 credit unions closed home loans in Richardton, 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 Richardton, 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 Richardton, 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 Richardton. 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.
