Mortgage Lenders and Brokers in Valley City, 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
Valley City, North Dakota mortgage lenders include Bank ForwardBank Forward430 W Main St, Valley City, ND 58072A5.0 ★Texas Ratio: 6.75%, Dacotah BankDacotah Bank240 3rd St Nw, Valley City, ND 58072A5.0 ★Texas Ratio: 12.58%, First Community Credit UnionFirst Community Credit Union115 5th Ave NE, Valley City, ND 58072A+5.0 ★Texas Ratio: 3.52%, Gate City BankGate City Bank1725 Golf Dr, Bismarck, ND 58503A+5.0 ★Texas Ratio: 5.49%, First International Bank & TrustFirst International Bank & Trust616 Oak Street, Alexander, ND 58831B+4.8 ★Texas Ratio: 17.46%, US Bank, N.A.US Bank, N.A.423 E Bismarck Expy, Bismarck, ND 58504A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA4330 13th Ave S, Fargo, ND 58103A+5.0 ★Texas Ratio: 3.68%, Bell BankBell Bank520 Main Avenue, Fargo, ND 58103A+5.0 ★Texas Ratio: 3.66%, Bravera BankBravera Bank401 N 4th St, Bismarck, ND 58501A+5.0 ★Texas Ratio: 5.48%, and Wells Fargo Bank NAWells Fargo Bank NA201 Central Ave N, Valley City, ND 58072A+5.0 ★Texas Ratio: 5.36%. 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 Valley City, North Dakota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Valley City 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 Valley City, North Dakota
Market share is the lender's share of all home loans closed in Valley City, 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 Valley City 430 W Main St, Valley City, ND 58072 A5.0 ★Texas Ratio: 6.75% |
Conventional | 15 | 18.8% | 100% | $151,666 | View |
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1 office in Valley City 240 3rd St Nw, Valley City, ND 58072 A5.0 ★Texas Ratio: 12.58% |
Conventional | 3 | 3.8% | 100% | $191,666 | View |
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115 5th Ave NE, Valley City, ND 58072 A+5.0 ★Texas Ratio: 3.52% |
Conventional, VA | 24 | 30% | 96% | $127,500 | View |
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★ 5 stars, 1 review 1725 Golf Dr, Bismarck, ND 58503 A+5.0 ★Texas Ratio: 5.49% |
Conventional, VA | 4 | 5% | 80% | $195,000 | View |
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616 Oak Street, Alexander, ND 58831 B+4.8 ★Texas Ratio: 17.46% |
Conventional, HELOC | 1 +1 HELOCs |
1.2% | 100% | $205,000 | View |
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423 E Bismarck Expy, Bismarck, ND 58504 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1.2% | 50% | $35,000 | View |
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4330 13th Ave S, Fargo, ND 58103 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.2% | 100% | $195,000 | View |
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520 Main Avenue, Fargo, ND 58103 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 1.2% | 100% | $235,000 | View |
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401 N 4th St, Bismarck, ND 58501 A+5.0 ★Texas Ratio: 5.48% |
Conventional | 1 | 1.2% | 100% | $115,000 | View |
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201 Central Ave N, Valley City, ND 58072 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.2% | 100% | $185,000 | View |
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1616 S Washington St, Grand Forks, ND 58201 A+5.0 ★Texas Ratio: 5.91% |
Conventional | 1 | 1.2% | 100% | $125,000 | View |
Valley Mortgage, Inc.
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Conventional, FHA | 2 | 2.5% | 100% | $185,000 | |
Rocket Mortgage
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Conventional, FHA | 5 | 6.2% | 83.3% | $187,000 | |
Fairway Independent Mort Corp
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Conventional | 3 | 3.8% | 100% | $168,333 | |
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A+5.0 ★Texas Ratio: 5.75% |
Conventional, HELOC | 2 +2 HELOCs |
2.5% | 100% | $160,000 | |
United Wholesale Mortgage
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Conventional, FHA | 2 | 2.5% | 100% | $140,000 | |
Mortgage Research Center
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VA | 2 | 2.5% | 100% | $215,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 1.2% | 100% | $155,000 | |
Loansteady LLC
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VA | 1 | 1.2% | 100% | $245,000 | |
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A5.0 ★Texas Ratio: 13.85% |
Conventional | 1 | 1.2% | 100% | $145,000 | View |
Amerisave Mortgage Company
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Conventional | 1 | 1.2% | 50% | $35,000 | |
loanDepot.com LLC
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Conventional | 1 | 1.2% | 50% | $75,000 | |
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A+5.0 ★Texas Ratio: 4.05% |
Conventional | 1 | 1.2% | 100% | $205,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 1.2% | 100% | $135,000 | |
Cambria Financial Group
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Conventional | 1 | 1.2% | 100% | $185,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 1.2% | 100% | $335,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
VA | 1 | 1.2% | 100% | $195,000 | View |
Plaza Home Mortgage, Inc
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FHA | 1 | 1.2% | 100% | $205,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Valley City 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 Valley City, North Dakota
Looking for mortgage lenders near me or mortgage brokers near me in Valley City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Valley City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Valley City, ND
Use these to narrow the list above. Each category shows how many Valley City, ND lenders fit and what that kind of lender is usually best for.
Who Lends in Valley City, ND
Independent mortgage companies closed 27.5 percent of home loans in Valley City, North Dakota in 2025, banks 40 percent and credit unions 32.5 percent. Valley Mortgage, Inc. was the largest mortgage company, Bank Forward the largest bank and First Community Credit Union the largest credit union. Among lenders headquartered in North Dakota, Bank Forward led with 15 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 Valley City, ND
By home loans closed in 2025, Bank Forward was the largest mortgage lender in Valley City, North Dakota with 15 loans, about 18.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Valley City, North Dakota in 2025, led by Valley Mortgage, Inc. with 1. 5 lenders closed VA loans, led by First Community Credit Union. 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. 14 banks and 2 credit unions closed home loans in Valley City, North Dakota in 2025, alongside 14 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 Valley City, 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 Valley City, 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 Valley City. 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.
