Top Mortgage Lenders in North Dakota (2025)
In 2025, 276 lenders made 14,322 home loans worth $4.0 billion in North Dakota, according to Home Mortgage Disclosure Act (HMDA) data. The five largest made 36.5% of them. Gate City Bank made the most. Below: the top 25 lenders overall, then the top lenders for each kind of loan.
The 25 largest mortgage lenders in North Dakota, 2025
Ranked by the number of home loans each lender made (originated) in North Dakota in 2025, wherever the lender is based.
| # | Lender | Loans made | Loan volume | Avg. loan | Market share | Denial rate |
|---|---|---|---|---|---|---|
| 1 | Gate City Bank Fargo, ND | 2,368 | $466.7M | $197,000 | 16.5% | 12.7% |
| 2 | First International Bank & Trust Minot, ND | 941 | $277.0M | $294,000 | 6.6% | 4.4% |
| 3 | United Wholesale Mortgage Plymouth, MI | 725 | $214.9M | $296,000 | 5.1% | 8.3% |
| 4 | Bell Bank Fargo, ND | 674 | $182.7M | $271,000 | 4.7% | 8.3% |
| 5 | First Community Credit Union Jamestown, ND | 518 | $135.5M | $262,000 | 3.6% | 8.5% |
| 6 | Capital Credit Union Bismarck, ND | 516 | $112.6M | $218,000 | 3.6% | 4.4% |
| 7 | Town and Country Credit Union Minot, ND | 469 | $108.9M | $232,000 | 3.3% | 2.5% |
| 8 | Fairway Independent Mort Corp Madison, WI | 382 | $115.0M | $301,000 | 2.7% | 3.8% |
| 9 | Bravera Bank Dickinson, ND | 368 | $129.2M | $351,000 | 2.6% | 2.1% |
| 10 | Dakota Community Bank & Trust, NA Hebron, ND | 281 | $79.8M | $284,000 | 2.0% | 5.3% |
| 11 | Mortgage Research Center Columbia, MO | 276 | $78.9M | $286,000 | 1.9% | 19.7% |
| 12 | US Bank, N.A. Cincinnati, OH | 239 | $46.2M | $193,000 | 1.7% | 37.3% |
| 13 | Alerus Financial NA Grand Forks, ND | 235 | $55.8M | $238,000 | 1.6% | 9.9% |
| 14 | First Western Bank & Trust Minot, ND | 205 | $62.4M | $304,000 | 1.4% | 3.3% |
| 15 | Ark-La-Tex Financial Services LLC Plano, TX | 176 | $51.1M | $290,000 | 1.2% | 3.3% |
| 16 | Valley Mortgage, Inc. Fargo, ND | 172 | $56.0M | $326,000 | 1.2% | 3.4% |
| 17 | Choice Financial Group Fargo, ND | 168 | $83.5M | $497,000 | 1.2% | 4.8% |
| 18 | Starion Bank Mandan, ND | 166 | $76.8M | $463,000 | 1.2% | 3.5% |
| 19 | Aspire Community Federal Credit Union Minot, ND | 145 | $31.7M | $219,000 | 1.0% | 3.3% |
| 20 | Granite Bank Cold Spring, MN | 136 | $39.3M | $289,000 | 0.9% | 6.2% |
| 21 | Old National Bank Evansville, IN | 135 | $73.1M | $541,000 | 0.9% | 14.9% |
| 22 | Western State Bank Devils Lake, ND | 121 | $52.2M | $432,000 | 0.8% | 4.7% |
| 23 | loanDepot.com LLC Irvine, CA | 121 | $25.6M | $212,000 | 0.8% | 33.9% |
| 24 | Kirkwood Bank & Trust Co. Bismarck, ND | 120 | $29.0M | $241,000 | 0.8% | 2.3% |
| 25 | Guild Mortgage Company San Diego, CA | 112 | $23.7M | $212,000 | 0.8% | 1.6% |
Top Home Purchase Lenders in North Dakota
225 lenders made 8,367 home purchase loans worth $2.7 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Gate City Bank Fargo, ND | 1,031 | 12.3% |
| 2 | First International Bank & Trust Minot, ND | 634 | 7.6% |
| 3 | United Wholesale Mortgage Plymouth, MI | 464 | 5.5% |
| 4 | Fairway Independent Mort Corp Madison, WI | 350 | 4.2% |
| 5 | Bell Bank Fargo, ND | 333 | 4.0% |
| 6 | Town and Country Credit Union Minot, ND | 319 | 3.8% |
| 7 | First Community Credit Union Jamestown, ND | 316 | 3.8% |
| 8 | Bravera Bank Dickinson, ND | 286 | 3.4% |
| 9 | Mortgage Research Center Columbia, MO | 225 | 2.7% |
| 10 | Capital Credit Union Bismarck, ND | 214 | 2.6% |
Top Refinance Lenders in North Dakota
142 lenders made 2,021 refinance loans worth $675.5 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Gate City Bank Fargo, ND | 350 | 17.3% |
| 2 | United Wholesale Mortgage Plymouth, MI | 166 | 8.2% |
| 3 | Bell Bank Fargo, ND | 86 | 4.3% |
| 4 | First International Bank & Trust Minot, ND | 83 | 4.1% |
| 5 | First Community Credit Union Jamestown, ND | 75 | 3.7% |
| 6 | Alerus Financial NA Grand Forks, ND | 61 | 3.0% |
| 7 | Bravera Bank Dickinson, ND | 55 | 2.7% |
| 8 | Capital Credit Union Bismarck, ND | 52 | 2.6% |
| 9 | Cornerstone Bank Fargo, ND | 52 | 2.6% |
| 10 | Freedom Mortgage Corporation Boca Raton, FL | 47 | 2.3% |
Top Cash-Out Refinance Lenders in North Dakota
118 lenders made 1,271 cash-out refinance loans worth $287.0 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Town and Country Credit Union Minot, ND | 133 | 10.5% |
| 2 | United Wholesale Mortgage Plymouth, MI | 95 | 7.5% |
| 3 | Gate City Bank Fargo, ND | 64 | 5.0% |
| 4 | First International Bank & Trust Minot, ND | 58 | 4.6% |
| 5 | Aspire Community Federal Credit Union Minot, ND | 50 | 3.9% |
| 6 | US Bank, N.A. Cincinnati, OH | 44 | 3.5% |
| 7 | Amerisave Mortgage Company Sandy Springs, GA | 41 | 3.2% |
| 8 | Capital Credit Union Bismarck, ND | 37 | 2.9% |
| 9 | Newrez LLC Fort Washington, PA | 31 | 2.4% |
| 10 | loanDepot.com LLC Irvine, CA | 24 | 1.9% |
Top FHA Lenders in North Dakota
103 lenders made 1,659 FHA loans worth $450.1 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Fairway Independent Mort Corp Madison, WI | 154 | 9.3% |
| 2 | Gate City Bank Fargo, ND | 140 | 8.4% |
| 3 | United Wholesale Mortgage Plymouth, MI | 129 | 7.8% |
| 4 | First International Bank & Trust Minot, ND | 113 | 6.8% |
| 5 | Town and Country Credit Union Minot, ND | 57 | 3.4% |
| 6 | Ark-La-Tex Financial Services LLC Plano, TX | 49 | 3.0% |
| 7 | Granite Bank Cold Spring, MN | 44 | 2.7% |
| 8 | Capital Credit Union Bismarck, ND | 43 | 2.6% |
| 9 | New American Funding, Llc. Tustin, CA | 43 | 2.6% |
| 10 | First Community Credit Union Jamestown, ND | 35 | 2.1% |
Top VA Lenders in North Dakota
95 lenders made 1,385 VA loans worth $447.1 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Mortgage Research Center Columbia, MO | 259 | 18.7% |
| 2 | United Wholesale Mortgage Plymouth, MI | 170 | 12.3% |
| 3 | First International Bank & Trust Minot, ND | 71 | 5.1% |
| 4 | Town and Country Credit Union Minot, ND | 71 | 5.1% |
| 5 | Ark-La-Tex Financial Services LLC Plano, TX | 64 | 4.6% |
| 6 | Gate City Bank Fargo, ND | 63 | 4.5% |
| 7 | Freedom Mortgage Corporation Boca Raton, FL | 57 | 4.1% |
| 8 | Navy Federal Credit Union Vienna, VA | 48 | 3.5% |
| 9 | USAA Federal Savings Bank San Antonio, TX | 38 | 2.7% |
| 10 | Newrez LLC Fort Washington, PA | 33 | 2.4% |
Top USDA Lenders in North Dakota
35 lenders made 86 USDA loans worth $16.7 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Dakota Community Bank & Trust, NA Hebron, ND | 7 | 8.1% |
| 2 | Bravera Bank Dickinson, ND | 7 | 8.1% |
| 3 | Western Cooperative Credit Union Williston, ND | 6 | 7.0% |
| 4 | First International Bank & Trust Minot, ND | 5 | 5.8% |
| 5 | Fairway Independent Mort Corp Madison, WI | 5 | 5.8% |
| 6 | First Community Credit Union Jamestown, ND | 5 | 5.8% |
| 7 | Barrington Bank & Trust Company, N.A. Barrington, IL | 5 | 5.8% |
| 8 | Presidential Bank, FSB Bethesda, MD | 4 | 4.7% |
| 9 | Town and Country Credit Union Minot, ND | 4 | 4.7% |
| 10 | Gate City Bank Fargo, ND | 4 | 4.7% |
Get the lender lists
The North Dakota mortgage lender list has the 64 lenders based in North Dakota, with addresses, phone numbers and their applications and dollar volume every year since 2003 ($39 for 2025, $78 for 2003–2025). The U.S. lender list has all 17,667 lenders, including the national lenders ranked above.
North Dakota lender list U.S. lender listHow this ranking works
- Source: the loan records lenders filed for 2025 under the Home Mortgage Disclosure Act, published by the FFIEC and the CFPB in 2026, totaled by lender for homes in North Dakota.
- Lenders are ranked by loans made, the number of loans they originated; loan volume is those loans' total amount. Loans bought from other lenders are not counted.
- Market share is the lender's share of all such loans made in North Dakota. Denial rate is applications denied, divided by applications approved or denied.
- Lenders are listed under the name and city on their HMDA filing. Lenders that have asked not to appear on AllMortgageDetail are left out.
More on North Dakota
North Dakota mortgage data by county and metro area · mortgage lenders by city in North Dakota
Nationwide rankings: All loans · Purchase · Refinance · Cash-out refi · FHA · VA · USDA
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