Mortgage Lender Index

Mortgage lenders in Pembina County

88 mortgages were made in Pembina County, North Dakota, in 2025, by 48 lenders. The median rate their borrowers got was 6.400% on a median loan of $135,000. Of 101 decisions, 12 were denials — 11.9%, most often for collateral.

LenderMortgages madeMedian rateMedian loanDenied
KODABANK 23 Not published $75,000 0.0%
Choice Financial Group 7 Under 10 loans Under 10 loans 0.0%
FIRST UNITED BANK 6 Under 10 loans Under 10 loans 0.0%
Rocket Mortgage, LLC 5 Under 10 loans Under 10 loans 16.7%
UNITED SHORE FINANCIAL SERVICES, LLC 5 Under 10 loans Under 10 loans 16.7%
Merchants Bank, National Association 3 Under 10 loans Under 10 loans 0.0%
Gate City Bank 3 Under 10 loans Under 10 loans 0.0%
Mortgage Research Center, LLC 2 Under 10 loans Under 10 loans 33.3%
Fairway Independent Mortgage Corporation 2 Under 10 loans Under 10 loans 0.0%
Empeople Credit Union 2 Under 10 loans Under 10 loans 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 Under 10 loans Under 10 loans 0.0%
First International Bank & Trust 2 Under 10 loans Under 10 loans 0.0%
Dakota Community Bank & Trust, National Association 2 Under 10 loans Under 10 loans 0.0%
Bremer Bank, National Association 2 Under 10 loans Under 10 loans 0.0%
Alerus Financial, National Association 2 Under 10 loans Under 10 loans 0.0%
American Federal Bank 2 Under 10 loans Under 10 loans 0.0%
VALLEY MORTGAGE, INC. 2 Under 10 loans Under 10 loans 0.0%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 2 Under 10 loans Under 10 loans 0.0%
Navy Federal Credit Union 1 Under 10 loans Under 10 loans 50.0%
Old National Bank 1 Under 10 loans Under 10 loans 0.0%
PIKE CREEK MORTGAGE SERVICES, INC. 1 Under 10 loans Under 10 loans 0.0%
AmeriSave Mortgage Corporation 1 Under 10 loans Under 10 loans 50.0%
AgCountry Farm Credit Services, FLCA 1 Under 10 loans Under 10 loans 0.0%
Nations Lending Corporation 1 Under 10 loans Under 10 loans 0.0%
Border Bank 1 Under 10 loans Under 10 loans 0.0%
FIRST HOLDING COMPANY OF CAVALIER, INC. 1 Under 10 loans Under 10 loans 0.0%
FIRST COLONY MORTGAGE CORPORATION 1 Under 10 loans Under 10 loans 0.0%
Servion, Inc. 1 Under 10 loans Under 10 loans 0.0%
AFFINITY PLUS 1 Under 10 loans Under 10 loans 0.0%
CROSSCOUNTRY MORTGAGE, INC. 1 Under 10 loans Under 10 loans 0.0%
Frandsen Bank & Trust 1 Under 10 loans Under 10 loans 0.0%
Barrington Bank & Trust Company, National Association 1 Under 10 loans Under 10 loans 0.0%
SOFI BANK, NATIONAL ASSOCIATION 0 Under 10 loans Under 10 loans Not published
Bank of America, National Association 0 Under 10 loans Under 10 loans 100.0%
Discover Bank 0 Under 10 loans Under 10 loans 100.0%
FIRST COMMUNITY CREDIT UNION 0 Under 10 loans Under 10 loans Not published
FIGURE LENDING LLC 0 Under 10 loans Under 10 loans 100.0%
BMO Bank National Association 0 Under 10 loans Under 10 loans 100.0%
AMERICAN FINANCING CORPORATION 0 Under 10 loans Under 10 loans 0.0%
NEWREZ LLC 0 Under 10 loans Under 10 loans 100.0%
NATIONSTAR MORTGAGE LLC 0 Under 10 loans Under 10 loans Not published
CALCON MUTUAL MORTGAGE LLC 0 Under 10 loans Under 10 loans Not published
GUARANTEED RATE, INC. 0 Under 10 loans Under 10 loans Not published
BETTER MORTGAGE CORPORATION 0 Under 10 loans Under 10 loans 100.0%
Wells Fargo Bank, National Association 0 Under 10 loans Under 10 loans 100.0%
PLAZA HOME MORTGAGE, INC. 0 Under 10 loans Under 10 loans Not published
JPMorgan Chase Bank, National Association 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.

Bank branches in Pembina County

10 FDIC-insured branches from 4 banks, as of 30 June 2026, with the deposits held at them.

BankBranches hereDeposits
KodaBank 6$261.3 million
First United Bank 2$47.8 million
United Valley Bank 1$135.6 million
Choice Financial Group 1$73.1 million

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When the next year’s lending figures are out for Pembina County, or a lender arrives or leaves.

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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.