Mortgage Lenders and Brokers in West Fargo, 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
West Fargo, North Dakota mortgage lenders include Bell BankBell Bank320 32nd Ave W, West Fargo, ND 58078A+5.0 ★Texas Ratio: 3.66%, Western State BankWestern State Bank755 13th Ave E, West Fargo, ND 58078A5.0 ★Texas Ratio: 6.13%, Choice Financial GroupChoice Financial Group210 Sheyenne St, West Fargo, ND 58078A+5.0 ★Texas Ratio: 2.70%, First Western Bank & TrustFirst Western Bank & Trust855 26th Ave E, West Fargo, ND 58078A-5.0 ★Texas Ratio: 15.55%, Bravera BankBravera Bank820 34th Ave E, West Fargo, ND 58078A+5.0 ★Texas Ratio: 5.48%, Wells Fargo Bank NAWells Fargo Bank NA1401 13th Ave E, West Fargo, ND 58078A+5.0 ★Texas Ratio: 5.36%, Gate City BankGate City Bank1119 9th St E, West Fargo, ND 58078A+5.0 ★Texas Ratio: 5.49%, First International Bank & TrustFirst International Bank & Trust1350 13th Ave E, West Fargo, ND 58078B+4.8 ★Texas Ratio: 17.46%, Town and Country Credit UnionTown and Country Credit Union3342 Sheyenne St, West Fargo, ND 58078A5.0 ★Texas Ratio: 10.41%, and First Community Credit UnionFirst Community Credit Union204 Main St, Bisbee, ND 58317A+5.0 ★Texas Ratio: 3.52%. 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 West Fargo, North Dakota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in West Fargo 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 West Fargo, North Dakota
Market share is the lender's share of all home loans closed in West Fargo, 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 West Fargo 320 32nd Ave W, West Fargo, ND 58078 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, Jumbo, HELOC | 125 +61 HELOCs |
13.1% | 93.4% | $229,720 | View |
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1 office in West Fargo 755 13th Ave E, West Fargo, ND 58078 A5.0 ★Texas Ratio: 6.13% |
Conventional, FHA | 28 | 2.9% | 96.6% | $275,000 | View |
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1 office in West Fargo 210 Sheyenne St, West Fargo, ND 58078 A+5.0 ★Texas Ratio: 2.70% |
Conventional | 12 | 1.3% | 100% | $379,166 | View |
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1 office in West Fargo 855 26th Ave E, West Fargo, ND 58078 A-5.0 ★Texas Ratio: 15.55% |
Conventional, FHA | 12 | 1.3% | 87.5% | $323,333 | View |
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1 office in West Fargo 820 34th Ave E, West Fargo, ND 58078 A+5.0 ★Texas Ratio: 5.48% |
Conventional, Jumbo | 9 | 0.9% | 100% | $447,222 | View |
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1 office in West Fargo 1401 13th Ave E, West Fargo, ND 58078 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 6 | 0.6% | 85.7% | $378,333 | View |
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★ 5 stars, 1 review 1119 9th St E, West Fargo, ND 58078 A+5.0 ★Texas Ratio: 5.49% |
Conventional, FHA, VA, Jumbo, HELOC | 186 +51 HELOCs |
19.4% | 93.9% | $249,946 | View |
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1350 13th Ave E, West Fargo, ND 58078 B+4.8 ★Texas Ratio: 17.46% |
Conventional, FHA, VA, HELOC | 57 +32 HELOCs |
6% | 96.6% | $340,263 | View |
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3342 Sheyenne St, West Fargo, ND 58078 A5.0 ★Texas Ratio: 10.41% |
Conventional, FHA, VA, USDA | 53 | 5.5% | 93% | $228,962 | View |
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204 Main St, Bisbee, ND 58317 A+5.0 ★Texas Ratio: 3.52% |
Conventional, FHA, VA | 26 | 2.7% | 86.7% | $237,307 | View |
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901 13th Ave E, West Fargo, ND 58078 A+5.0 ★Texas Ratio: 3.32% |
Conventional, FHA, VA, Jumbo, HELOC | 19 +30 HELOCs |
2% | 95% | $319,210 | View |
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1301 30th Ave S, Fargo, ND 58103 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 12 | 1.3% | 85.7% | $283,333 | View |
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423 E Bismarck Expy, Bismarck, ND 58504 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 11 +13 HELOCs |
1.1% | 64.7% | $199,545 | View |
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131 W Main St, Beulah, ND 58523 A5.0 ★Texas Ratio: 10.18% |
Conventional, FHA, HELOC | 8 +5 HELOCs |
0.8% | 100% | $332,500 | View |
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3203 32nd Ave S, Fargo, ND 58103 A5.0 ★Texas Ratio: 11.40% |
Conventional | 8 | 0.8% | 88.9% | $190,000 | View |
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710 S Washington St, Bismarck, ND 58504 A+5.0 ★Texas Ratio: 4.98% |
Conventional, VA, HELOC | 6 +4 HELOCs |
0.6% | 100% | $460,000 | View |
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300 Main St, Adams, ND 58210 A+5.0 ★Texas Ratio: 0.82% |
Conventional | 5 | 0.5% | 100% | $241,000 | View |
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1806 N 12th St, Bismarck, ND 58501 B4.5 ★Texas Ratio: 21.20% |
Conventional | 5 | 0.5% | 100% | $225,000 | View |
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65 Main Street, Bowdon, ND 58418 A5.0 ★Texas Ratio: 6.75% |
Conventional | 5 | 0.5% | 100% | $333,000 | View |
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4324 Highway 281, Belcourt, ND 58316 A5.0 ★Texas Ratio: 12.58% |
Conventional | 3 | 0.3% | 100% | $461,666 | View |
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4330 13th Ave S, Fargo, ND 58103 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.2% | 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 | 2 +1 HELOCs |
0.2% | 100% | $580,000 | View |
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307 Main St W, Cavalier, ND 58220 A+5.0 ★Texas Ratio: 2.26% |
Conventional, Jumbo | 2 | 0.2% | 100% | $910,000 | View |
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2911 N 14th St, Bismarck, ND 58503 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 2 | 0.2% | 100% | $180,000 | View |
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401 1st Ave S, Jamestown, ND 58401 A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
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423 Broadway, Buxton, ND 58218 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.1% | 100% | $495,000 | View |
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1000 S Washington St, Bismarck, ND 58504 A5.0 ★Texas Ratio: 10.59% |
Conventional | 1 | 0.1% | 100% | $405,000 | View |
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902 Main St, Lisbon, ND 58054 A+5.0 ★Texas Ratio: 3.70% |
Conventional | 1 | 0.1% | 100% | $355,000 | View |
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106 E Main St, Ashley, ND 58413 D3.6 ★Texas Ratio: 32.17% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
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3000 Yorktown Dr, Bismarck, ND 58503 A+5.0 ★Texas Ratio: 5.05% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Valley Mortgage, Inc.
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Conventional, FHA, VA, Jumbo | 43 | 4.5% | 100% | $354,534 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 46 | 4.8% | 92% | $323,913 | |
Rocket Mortgage
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Conventional, FHA, VA | 32 | 3.3% | 89.5% | $267,187 | |
Cambria Financial Group
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Conventional, FHA, VA | 27 | 2.8% | 100% | $324,259 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 14 | 1.5% | 93.3% | $327,857 | |
Guild Mortgage Company
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Conventional, FHA | 14 | 1.5% | 100% | $236,428 | |
Mortgage Research Center
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VA | 13 | 1.4% | 76.5% | $375,000 | |
Newrez LLC
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Conventional, FHA, VA | 12 | 1.3% | 76.5% | $299,166 | |
Fairway Independent Mort Corp
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Conventional, FHA | 12 | 1.3% | 100% | $314,166 | |
Pennymac Loan Services LLC
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Conventional, VA, Jumbo | 8 | 0.8% | 88.9% | $366,250 | |
Cmg Mortgage Inc
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Conventional, VA | 8 | 0.8% | 100% | $452,500 | |
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A5.0 ★Texas Ratio: 13.85% |
Conventional, VA | 7 | 0.7% | 87.5% | $305,000 | View |
First Colony Mortgage Corporat
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Conventional, FHA | 7 | 0.7% | 90% | $293,571 | |
21St Mortgage
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Conventional | 7 | 0.7% | 53.8% | $72,142 | |
Freedom Mortgage Corporation
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FHA, VA | 6 | 0.6% | 87.5% | $315,000 | |
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A+5.0 ★Texas Ratio: 5.75% |
Conventional, HELOC | 5 +3 HELOCs |
0.5% | 83.3% | $319,000 | |
Amerisave Mortgage Company
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Conventional | 5 | 0.5% | 100% | $65,000 | |
Navy Federal Credit Union
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Conventional, VA | 5 | 0.5% | 83.3% | $317,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 4 | 0.4% | 44.4% | $242,500 | |
loanDepot.com LLC
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FHA, VA, HELOC | 3 +4 HELOCs |
0.3% | 80% | $351,666 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 3 | 0.3% | 75% | $231,666 | View |
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A5.0 ★Texas Ratio: 8.29% |
Conventional | 3 | 0.3% | 100% | $271,666 | View |
New American Funding, LLC.
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Conventional, FHA | 3 | 0.3% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.3% | 100% | $85,000 | View |
Plaza Home Mortgage, Inc
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Conventional, VA | 3 | 0.3% | 75% | $355,000 | |
Bremer Bank NA
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Conventional, HELOC | 2 +2 HELOCs |
0.2% | 100% | $315,000 | |
Affinity Plus Federal Credit Union
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Conventional, HELOC | 2 +1 HELOCs |
0.2% | 100% | $30,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo | 2 | 0.2% | 100% | $925,000 | View |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $230,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $170,000 | |
Magnifi Financial Credit Union
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Conventional | 2 | 0.2% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 0.44% |
Conventional | 2 | 0.2% | 100% | $270,000 | View |
Planet Home Lending, LLC
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FHA, VA | 2 | 0.2% | 66.7% | $355,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.2% | 100% | $250,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 0.2% | 100% | $60,000 | View |
Pike Creek Mortgage Services, Inc.
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Conventional | 2 | 0.2% | 100% | $260,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 2 | 0.2% | 100% | $230,000 | |
Village Capital & Investment
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FHA, VA | 2 | 0.2% | 75% | $275,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 1 +4 HELOCs |
0.1% | 50% | $1,835,000 | View |
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 50% | $315,000 | View |
Alliant Credit Union
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Conventional | 1 | 0.1% | 100% | $205,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.1% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 0.74% |
Conventional | 1 | 0.1% | 100% | $295,000 | View |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, Jumbo | 1 | 0.1% | 100% | $1,225,000 | View |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.1% | 100% | $325,000 | |
Everett Financial, Inc.
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FHA | 1 | 0.1% | 100% | $345,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.1% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 0.1% | 100% | $375,000 | View |
Ocmbc, Inc.
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Conventional | 1 | 0.1% | 100% | $755,000 | |
Nextmortgage, LLC
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Conventional | 1 | 0.1% | 100% | $265,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.1% | 100% | $265,000 | |
Bay Equity LLC
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FHA | 1 | 0.1% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.1% | 100% | $445,000 | View |
American Pacific Mortgage Corporation
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VA | 1 | 0.1% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.1% | 100% | $295,000 | View |
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B4.4 ★Texas Ratio: 21.68% |
FHA | 1 | 0.1% | 100% | $225,000 | View |
Towne Mortgage Company
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FHA | 1 | 0.1% | 100% | $365,000 | |
Wings Financial Credit Union
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Conventional | 1 | 0.1% | 100% | $605,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
VA | 1 | 0.1% | 100% | $295,000 | View |
V.I.P. Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $95,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $295,000 | |
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A-4.7 ★Texas Ratio: 9.93% |
Conventional | 1 | 0.1% | 100% | $285,000 | View |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.1% | 100% | $315,000 | |
RBC Bank (Georgia), N.A.
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Conventional | 1 | 0.1% | 100% | $225,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.1% | 50% | $85,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.1% | 100% | $355,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.1% | 100% | $405,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Citizens Equity First Credit U
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HELOC | 0 +1 HELOCs |
0% | n/a |
West Fargo 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 West Fargo, North Dakota
Looking for mortgage lenders near me or mortgage brokers near me in West Fargo? The list below shows the banks, credit unions and mortgage brokers that closed home loans in West Fargo in 2025, with lenders based there listed first.
Types of Mortgage Lenders in West Fargo, ND
Use these to narrow the list above. Each category shows how many West Fargo, ND lenders fit and what that kind of lender is usually best for.
Who Lends in West Fargo, ND
Independent mortgage companies closed 30.9 percent of home loans in West Fargo, North Dakota in 2025, banks 58.2 percent and credit unions 10.9 percent. Valley Mortgage, Inc. was the largest mortgage company, Bell Bank the largest bank and Town and Country Credit Union the largest credit union. Among lenders headquartered in North Dakota, Bell Bank led with 125 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 West Fargo, ND
By home loans closed in 2025, Bell Bank was the largest mortgage lender in West Fargo, North Dakota with 125 loans, about 13.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in West Fargo, North Dakota, First International Bank & Trust approved the highest share of completed applications in 2025 at 96.6 percent, against a 91.8 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
35 lenders closed FHA loans in West Fargo, North Dakota in 2025, led by Gate City Bank with 9. 29 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. 47 banks and 11 credit unions closed home loans in West Fargo, North Dakota in 2025, alongside 43 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 West Fargo, 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 West Fargo, 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 West Fargo. 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.
