Home purchase lenders in Grand Forks County
741 home purchase mortgages were made in Grand Forks County, North Dakota, in 2025, by 100 lenders. The median rate their borrowers got was 6.375% on a median loan of $245,000. Of 810 decisions, 58 were denials — 7.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 119 | 6.499% | $295,000 | 2.4% |
| Gate City Bank | 102 | 6.125% | $235,000 | 4.6% |
| First International Bank & Trust | 54 | 6.500% | $275,000 | 0.0% |
| Barrington Bank & Trust Company, National Association | 49 | 6.250% | $225,000 | 2.0% |
| Alerus Financial, National Association | 35 | 6.500% | $285,000 | 2.7% |
| FIRST COMMUNITY CREDIT UNION | 33 | 6.250% | $195,000 | 5.7% |
| Granite Bank | 28 | 6.500% | $240,000 | 3.5% |
| FIRST HOLDING COMPANY OF CAVALIER, INC. | 25 | Not published | $205,000 | 0.0% |
| Nations Lending Corporation | 25 | 6.750% | $225,000 | 0.0% |
| First State Bank | 22 | Not published | $185,000 | 0.0% |
| Old National Bank | 21 | 6.375% | $255,000 | 0.0% |
| Florida Capital Bank, National Association | 21 | 6.250% | $235,000 | 4.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 17 | 6.490% | $235,000 | 5.6% |
| Mortgage Research Center, LLC | 16 | 6.250% | $275,000 | 15.8% |
| Frandsen Bank & Trust | 13 | 6.125% | $205,000 | 7.1% |
| American Federal Bank | 10 | Not published | $255,000 | 7.7% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 61.5% |
| Rocket Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Bank Forward | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Choice Financial Group | 7 | Under 10 loans | Under 10 loans | 0.0% |
| KODABANK | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bremer Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Merchants Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| JPMorgan Chase Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Bravera Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHARTWELL FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| BANKWEST, INC. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Cambria Financial Group, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST UNITED BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOWN AND COUNTRY Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wheaton Bank & Trust, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Libertyville Bank & Trust Company, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Western State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dakota Community Bank & Trust, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VALLEY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AgCountry Farm Credit Services, FLCA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Plank Trail Community Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BANKWEST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RAILWAY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| St. Charles Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SKYONE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| American Nation Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Gold Coast Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| UBS Bank USA | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONSTAR MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| WEST GATE BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Centier Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PENNYMAC LOAN SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.