Top mortgage lenders in North Dakota
These are the most active mortgage lenders in North Dakota by 2025 federal HMDA volume — the banks, credit unions and nonbank lenders that wrote the most home loans in the state. Volume isn't the same as the best deal for you, so use it as a shortlist, then compare quotes.
| # | Lender | Type | 2025 loans |
|---|---|---|---|
| 1 | Gate City Bank | — | 3,106 |
| 2 | First International Bank & Trust | — | 1,112 |
| 3 | Rocket Mortgage | Nonbank lender | 904 |
| 4 | United Wholesale Mortgage | Nonbank lender | 883 |
| 5 | Bell Bank | — | 807 |
| 6 | PennyMac | Nonbank lender | 736 |
| 7 | First Community Credit Union | — | 675 |
| 8 | Capital | — | 646 |
| 9 | Newrez | Nonbank lender | 643 |
| 10 | Town And Country Credit Union | — | 571 |
| 11 | U.S. Bank | Bank | 523 |
| 12 | Fairway Independent Mortgage | Nonbank lender | 507 |
| 13 | Veterans United | Nonbank lender | 500 |
| 14 | 21st Mortgage Corporation | — | 390 |
| 15 | Bravera Bank | — | 366 |
| 16 | Dakota Community Bank & Trust, National Association | — | 351 |
| 17 | Freedom Mortgage | Nonbank lender | 300 |
| 18 | Alerus Financial, National Association | — | 298 |
| 19 | Chase | Bank | 296 |
| 20 | First Western Bank & Trust | — | 254 |
| 21 | loanDepot | Nonbank lender | 244 |
| 22 | Ark-La-Tex Financial Services, LLC. | — | 241 |
| 23 | Mr. Cooper | Nonbank lender | 219 |
| 24 | Citizens | Bank | 217 |
| 25 | Starion Bank | — | 214 |
Ranked by North Dakota home-loan applications reported in 2025 under the federal Home Mortgage Disclosure Act (HMDA), FFIEC/CFPB. A neutral measure of lending activity — not a quality score. Names we review link to a full lender review.
How to choose a lender in North Dakota
The lender that writes the most loans isn't automatically the one that will quote you the lowest rate. Your rate depends on your credit, down payment and loan type — not a lender's market share. The reliable way to find the best deal is to get a Loan Estimate from three or more of these lenders in the same two-week window (it counts as a single credit inquiry) and compare the APRs.
Weigh national lenders and online brokers, which often lead on price, against North Dakota banks and credit unions, which may offer relationship pricing and access to NDHFA programs. Start with the local benchmark and assistance below.
North Dakota lender FAQ
Who is the biggest mortgage lender in North Dakota?
By 2025 federal HMDA activity, Gate City Bank handled the most home loans in North Dakota (about 3,106 applications reported). The biggest lender isn't automatically the cheapest for you, though — rankings reflect volume, not the rate you'd be quoted.
How many mortgage lenders operate in North Dakota?
Hundreds of banks, credit unions and nonbank lenders report North Dakota home loans each year under HMDA. The table above shows the most active by volume; you can also shop national lenders and local credit unions not listed here.
How were these North Dakota lender rankings determined?
We ranked lenders by the number of North Dakota home-loan applications each reported in 2025 under the federal Home Mortgage Disclosure Act (HMDA) — a neutral public measure of lending activity in the state. It is not a quality score or an endorsement.
Should I use a local or national lender in North Dakota?
Both can be competitive. National lenders and online brokers often lead on price and speed; local banks and credit unions may offer relationship pricing, NDHFA down-payment programs and in-person service.
Get a Loan Estimate from at least one of each and compare the APR.
Rankings are editorial and independent, built from public federal data — no lender pays to be listed. This is general information, not a recommendation or personalized advice. Confirm all terms directly with the lender.
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