Mortgage Lenders and Brokers in Surrey, 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
Surrey, North Dakota mortgage lenders include Gate City BankGate City Bank1725 Golf Dr, Bismarck, ND 58503A+5.0 ★Texas Ratio: 5.49%, 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%, Aspire Community Federal Credit UnionAspire Community Federal Credit Union1430 S BROADWAY, MINOT, ND 58701 5933A+5.0 ★Texas Ratio: 2.12%, 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%, Old National BankOld National Bank710 S Washington St, Bismarck, ND 58504A+5.0 ★Texas Ratio: 4.98%, Dacotah BankDacotah Bank4324 Highway 281, Belcourt, ND 58316A5.0 ★Texas Ratio: 12.58%, and Railway Credit UnionRailway Credit Union3005 Rock Island Pl, Bismarck, ND 58504A+5.0 ★Texas Ratio: 2.85%. 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 Surrey, North Dakota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Surrey 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 Surrey, North Dakota
Market share is the lender's share of all home loans closed in Surrey, 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, HELOC | 16 +8 HELOCs |
14.5% | 84.2% | $180,625 | View |
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1501 32nd Ave S, Fargo, ND 58103 5902 A5.0 ★Texas Ratio: 10.41% |
Conventional, VA, Jumbo | 16 | 14.5% | 94.1% | $301,250 | View |
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616 Oak Street, Alexander, ND 58831 B+4.8 ★Texas Ratio: 17.46% |
Conventional, FHA, VA | 11 | 10% | 92.3% | $278,636 | View |
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1430 S BROADWAY, MINOT, ND 58701 5933 A+5.0 ★Texas Ratio: 2.12% |
Conventional | 8 | 7.3% | 88.9% | $260,000 | View |
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401 N 4th St, Bismarck, ND 58501 A+5.0 ★Texas Ratio: 5.48% |
Conventional | 3 | 2.7% | 100% | $201,666 | View |
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3703 Lockport St, Bismarck, ND 58503 A-5.0 ★Texas Ratio: 15.55% |
Conventional | 2 | 1.8% | 100% | $410,000 | View |
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423 E Bismarck Expy, Bismarck, ND 58504 A+5.0 ★Texas Ratio: 2.85% |
VA | 1 | 0.9% | 100% | $405,000 | View |
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710 S Washington St, Bismarck, ND 58504 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.9% | 100% | $65,000 | View |
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4324 Highway 281, Belcourt, ND 58316 A5.0 ★Texas Ratio: 12.58% |
Conventional | 1 | 0.9% | 100% | $305,000 | View |
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3005 Rock Island Pl, Bismarck, ND 58504 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.9% | 100% | $35,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA | 11 | 10% | 100% | $391,363 | |
Rocket Mortgage
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Conventional, FHA, VA | 5 | 4.5% | 83.3% | $439,000 | |
Mortgage Research Center
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VA | 5 | 4.5% | 83.3% | $369,000 | |
loanDepot.com LLC
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Conventional, VA, HELOC | 4 +2 HELOCs |
3.6% | 80% | $345,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 4 | 3.6% | 100% | $247,500 | |
United Wholesale Mortgage
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VA | 3 | 2.7% | 75% | $381,666 | |
Freedom Mortgage Corporation
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VA | 3 | 2.7% | 100% | $321,666 | |
Navy Federal Credit Union
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Conventional, VA | 3 | 2.7% | 100% | $391,666 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 1.8% | 100% | $370,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.9% | 100% | $135,000 | View |
Guaranteed Rate, Inc.
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VA | 1 | 0.9% | 100% | $275,000 | |
Servion
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FHA | 1 | 0.9% | 100% | $365,000 | |
CrossCountry Mortgage, LLC
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VA | 1 | 0.9% | 100% | $215,000 | |
Credit Union 1
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Conventional | 1 | 0.9% | 100% | $55,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.9% | 100% | $75,000 | |
Towne Mortgage Company
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FHA | 1 | 0.9% | 100% | $195,000 | |
Wings Financial Credit Union
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Conventional | 1 | 0.9% | 100% | $345,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.9% | 100% | $375,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.9% | 100% | $555,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Surrey 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 Surrey, North Dakota
Looking for mortgage lenders near me or mortgage brokers near me in Surrey? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Surrey in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Surrey, ND
Use these to narrow the list above. Each category shows how many Surrey, ND lenders fit and what that kind of lender is usually best for.
Who Lends in Surrey, ND
Independent mortgage companies closed 39.1 percent of home loans in Surrey, North Dakota in 2025, banks 33.6 percent and credit unions 27.3 percent. Ark-La-Tex Financial Services LLC 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 16 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 Surrey, ND
By home loans closed in 2025, Gate City Bank was the largest mortgage lender in Surrey, North Dakota with 16 loans, about 14.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Surrey, North Dakota in 2025, led by First International Bank & Trust with 2. 15 lenders closed VA loans, led by Ark-La-Tex Financial Services LLC. 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 6 credit unions closed home loans in Surrey, North Dakota in 2025, alongside 15 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 Surrey, 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 Surrey, 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 Surrey. 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.
