Mortgage Lenders and Brokers in Rugby, 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
Rugby, North Dakota mortgage lenders include Old National BankOld National Bank105 3rd St Sw, Rugby, ND 58368A+5.0 ★Texas Ratio: 4.98%, First United BankFirst United Bank319 S Main Ave, Rugby, ND 58368A+5.0 ★Texas Ratio: 0.82%, First International Bank & TrustFirst International Bank & Trust215 Highway 2 Sw, Rugby, ND 58368B+4.8 ★Texas Ratio: 17.46%, Capital Credit UnionCapital Credit Union131 W Main St, Beulah, ND 58523A5.0 ★Texas Ratio: 10.18%, Gate City BankGate City Bank1725 Golf Dr, Bismarck, ND 58503A+5.0 ★Texas Ratio: 5.49%, Bravera BankBravera Bank401 N 4th St, Bismarck, ND 58501A+5.0 ★Texas Ratio: 5.48%, First Western Bank & TrustFirst Western Bank & Trust3703 Lockport St, Bismarck, ND 58503A-5.0 ★Texas Ratio: 15.55%, US Bank, N.A.US Bank, N.A.423 E Bismarck Expy, Bismarck, ND 58504A+5.0 ★Texas Ratio: 2.85%, United Wholesale Mortgage, 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 Rugby, North Dakota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rugby 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 Rugby, North Dakota
Market share is the lender's share of all home loans closed in Rugby, 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 Rugby 105 3rd St Sw, Rugby, ND 58368 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 2 +1 HELOCs |
9.1% | 100% | $170,000 | View |
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1 office in Rugby 319 S Main Ave, Rugby, ND 58368 A+5.0 ★Texas Ratio: 0.82% |
Conventional | 1 | 4.5% | 100% | $125,000 | View |
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215 Highway 2 Sw, Rugby, ND 58368 B+4.8 ★Texas Ratio: 17.46% |
Conventional, FHA, VA, USDA, HELOC | 5 +6 HELOCs |
22.7% | 100% | $129,000 | View |
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131 W Main St, Beulah, ND 58523 A5.0 ★Texas Ratio: 10.18% |
Conventional | 1 | 4.5% | 100% | $215,000 | View |
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★ 5 stars, 1 review 1725 Golf Dr, Bismarck, ND 58503 A+5.0 ★Texas Ratio: 5.49% |
Conventional | 1 | 4.5% | 100% | $125,000 | View |
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401 N 4th St, Bismarck, ND 58501 A+5.0 ★Texas Ratio: 5.48% |
Conventional | 1 | 4.5% | 100% | $215,000 | View |
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3703 Lockport St, Bismarck, ND 58503 A-5.0 ★Texas Ratio: 15.55% |
FHA | 1 | 4.5% | 100% | $275,000 | View |
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423 E Bismarck Expy, Bismarck, ND 58504 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
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Conventional, FHA | 2 | 9.1% | 100% | $220,000 | |
loanDepot.com LLC
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Conventional, VA | 2 | 9.1% | 100% | $225,000 | |
Servion
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FHA | 1 | 4.5% | 100% | $155,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 4.5% | 50% | $155,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 4.5% | 100% | $45,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
FHA | 1 | 4.5% | 50% | $185,000 | View |
Farm Credit Mid-America, Aca
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Conventional | 1 | 4.5% | 100% | $225,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 4.5% | 100% | $225,000 | |
Bremer Bank NA
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HELOC | 0 +1 HELOCs |
0% | n/a |
Rugby 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 Rugby, North Dakota
Looking for mortgage lenders near me or mortgage brokers near me in Rugby? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rugby in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rugby, ND
Use these to narrow the list above. Each category shows how many Rugby, ND lenders fit and what that kind of lender is usually best for.
Who Lends in Rugby, ND
Independent mortgage companies closed 40.9 percent of home loans in Rugby, North Dakota in 2025, banks 54.5 percent and credit unions 4.5 percent. United Wholesale Mortgage was the largest mortgage company, Old National Bank the largest bank and Capital Credit Union the largest credit union. Among lenders headquartered in North Dakota, First United Bank led with 1 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 Rugby, ND
By home loans closed in 2025, Old National Bank was the largest mortgage lender in Rugby, North Dakota with 2 loans, about 9.1 percent of the market. The largest lender headquartered in North Dakota was First United Bank with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Rugby, North Dakota in 2025, led by First International Bank & Trust with 1. 2 lenders closed VA loans, led by First International Bank & Trust, 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. 9 banks and 1 credit unions closed home loans in Rugby, North Dakota in 2025, alongside 7 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 Rugby, 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 Rugby, 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 Rugby. 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.
