MFP’s Home Loans Lenders Community Survey gathers North Dakota’s homeowners feedback and lender recommendations for home loans in the state. Shopping for a new home loan can be complicated and we gathered data to help your choice.
Updated: June 9, 2025
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North Dakota Best Home Loan Lenders
Fargo, Bismarck, Grand Forks, Minot, West Fargo, Williston, Dickinson, Mandan, Online lenders.
North Dakota Home Loans Lenders Satisfaction
Performance and satisfaction of home purchase loan mortgage lenders across North Dakota by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation % |
|---|---|---|---|---|
| Credit Unions | 3.94 | 3.85 | 3.93 | 79% |
| Community Banks | 4.31 | 4.19 | 4.25 | 84% |
| Banks | 3.71 | 3.63 | 3.73 | 75% |
| Online Lenders | 4.30 | 4.10 | 4.20 | 88% |
Recommendations are gathered from 683 North Dakota members who shopped and requested a new home loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for your home loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for North Dakota Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More North Dakota Homeowners Resources.
Fargo Best Home loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Fargo’s area are Bell Bank, Choice Financial, and Gate City Bank.
Bell Bank (92% Recommend)
- Bell Bank leads with the highest Recommend % at 92% and scores 4.8 in Easy Application and 4.7 in Support & Guidance, showing an excellent user-friendly process and strong Homeowners care.
- Homeowners feedback highlight its seamless application experience and highly supportive loan officers, making it a top choice in Fargo.
Choice Financial (89% Recommend)
- Choice Financial ranks second with an 89% Recommend rate, strong Loan Terms & Rate Satisfaction at 4.6, and a 4.5 in Support & Guidance.
- Users love its competitive rates and helpful staff throughout the loan process, contributing to its high satisfaction.
Gate City Bank (87% Recommend)
- Gate City Bank scores well across all categories with 4.7 Easy Application and 4.6 Support & Guidance, plus an 87% Recommend rate, placing it third.
- Homeowners note consistent support and clarity on loan terms, which enhances confidence during home purchases.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Bell Bank | Community Bank | 4.8 | 4.5 | 4.7 | 92 |
| Choice Financial | Community Bank | 4.4 | 4.6 | 4.5 | 89 |
| Gate City Bank | Community Bank | 4.7 | 4.4 | 4.6 | 87 |
| Red River Credit Union | Credit Union | 4.5 | 4.3 | 4.4 | 85 |
| UND Federal Credit Union | Credit Union | 4.3 | 4.2 | 4.5 | 83 |
| Starion Bank | Community Bank | 4.2 | 4.1 | 4.3 | 82 |
| Sanford Health Federal Credit Union | Credit Union | 4.1 | 4.0 | 4.2 | 80 |
| Alerus Financial | Community Bank | 4.0 | 4.0 | 4.1 | 78 |
| Wells Fargo Bank | Bank | 3.9 | 3.8 | 4.0 | 76 |
| U.S. Bank | Bank | 3.8 | 3.9 | 3.9 | 75 |
| Gate City Bank – Moorhead | Community Bank | 4.3 | 4.1 | 4.2 | 74 |
| Advantage Federal Credit Union | Credit Union | 3.7 | 3.8 | 3.9 | 73 |
| First International Bank & Trust | Community Bank | 3.6 | 3.7 | 3.8 | 71 |
| Liberty Bank | Community Bank | 3.5 | 3.6 | 3.7 | 69 |
| Minnesota State University Federal Credit Union | Credit Union | 3.4 | 3.5 | 3.6 | 67 |
Bismarck Best Home loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Bismarck’s area are Starion Bank, Capital Credit Union, and Bell Bank.
Starion Bank (91% Recommend)
- Starion Bank ranks highest with a 91% Recommend rate, scoring 4.7 in Easy Application and 4.6 in Support & Guidance, leading the group in user-friendly experience and Homeowners support.
- Homeowners feedback emphasizes the smooth application process and attentive loan officers, enhancing borrower confidence.
Capital Credit Union (89% Recommend)
- Capital Credit Union scores 4.6 in Loan Terms & Rate Satisfaction and holds an 89% Recommend rating, reflecting strong satisfaction with loan conditions.
- Users frequently mention competitive rates and personalized service, contributing to its high recommendation.
Bell Bank (87% Recommend)
- Bell Bank has solid ratings across all metrics with a 4.5 Easy Application and 4.4 Support & Guidance, supporting its 87% Recommend rating.
- Homeowners note clarity in loan terms and consistent support during the home buying process.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Starion Bank | Community Bank | 4.7 | 4.5 | 4.6 | 91 |
| Capital Credit Union | Credit Union | 4.4 | 4.6 | 4.3 | 89 |
| Bell Bank | Community Bank | 4.5 | 4.3 | 4.4 | 87 |
| Gateway Credit Union | Credit Union | 4.2 | 4.1 | 4.2 | 85 |
| Sanford Health Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.1 | 83 |
| First International Bank & Trust | Community Bank | 4.1 | 3.9 | 4.0 | 81 |
| Alerus Financial | Community Bank | 3.9 | 3.8 | 3.9 | 79 |
| Wells Fargo Bank | Bank | 3.8 | 3.7 | 3.8 | 77 |
| U.S. Bank | Bank | 3.7 | 3.6 | 3.7 | 75 |
| Red River Credit Union | Credit Union | 3.6 | 3.5 | 3.6 | 74 |
Grand Forks Best Home loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Grand Forks’s area are Choice Financial, Bell Bank, and Red River Credit Union.
Choice Financial (90% Recommend)
- Choice Financial leads with a 90% Recommend rate, scoring 4.7 in Easy Application and 4.6 in Loan Terms & Rate Satisfaction, indicating a highly streamlined and favorable loan process.
- Users emphasize the ease of application and competitive loan terms, making it a preferred lender in Grand Forks.
Bell Bank (88% Recommend)
- Bell Bank holds strong ratings with 4.5 in Easy Application and 4.7 in Support & Guidance, ranking second in Homeowners recommendations.
- Homeowners appreciate Bell Bank’s supportive staff and clear communication throughout the home loan process.
Red River Credit Union (85% Recommend)
- Red River Credit Union scores consistently with 4.4 in Easy Application and 4.3 in Support & Guidance, contributing to its 85% Recommend rating.
- Homeowners feedback highlights personalized service and transparent loan terms as key strengths.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Choice Financial | Community Bank | 4.7 | 4.6 | 4.4 | 90 |
| Bell Bank | Community Bank | 4.5 | 4.4 | 4.7 | 88 |
| Red River Credit Union | Credit Union | 4.4 | 4.2 | 4.3 | 85 |
| UND Federal Credit Union | Credit Union | 4.3 | 4.1 | 4.2 | 83 |
| Gate City Bank | Community Bank | 4.1 | 4.0 | 4.1 | 81 |
| Starion Bank | Community Bank | 4.0 | 3.9 | 4.0 | 79 |
| Alerus Financial | Community Bank | 3.9 | 3.8 | 3.9 | 77 |
| Sanford Health Federal Credit Union | Credit Union | 3.8 | 3.7 | 3.8 | 75 |
| Wells Fargo Bank | Bank | 3.7 | 3.6 | 3.7 | 73 |
| U.S. Bank | Bank | 3.6 | 3.5 | 3.6 | 70 |
Minot Best Home loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Minot’s area are Choice Financial, First International Bank & Trust, and Starion Bank.
Choice Financial (92% Recommend)
- Choice Financial leads with a 92% Recommend rate and a strong 4.8 Easy Application score, showing the easiest process among top lenders.
- Users frequently mention smooth, quick loan approvals and friendly staff, reinforcing its top rank.
First International Bank & Trust (89% Recommend)
- First International Bank & Trust scores 4.6 in Loan Terms & Rate Satisfaction and 4.5 in Support & Guidance, supporting its 89% recommendation.
- Homeowners highlight competitive rates and personalized support throughout the home loan journey.
Starion Bank (87% Recommend)
- Starion Bank has a well-rounded profile with a 4.5 Easy Application rating and 4.4 Support & Guidance, securing its strong recommendation.
- Borrowers love its clear communication and reliable guidance from application to closing.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Choice Financial | Community Bank | 4.8 | 4.6 | 4.5 | 92 |
| First International Bank & Trust | Community Bank | 4.4 | 4.6 | 4.5 | 89 |
| Starion Bank | Community Bank | 4.5 | 4.3 | 4.4 | 87 |
| Capital Credit Union | Credit Union | 4.2 | 4.1 | 4.0 | 84 |
| Alerus Financial | Community Bank | 4.0 | 3.9 | 4.0 | 82 |
| Gate City Bank | Community Bank | 3.9 | 3.8 | 3.9 | 80 |
| Sanford Health Federal Credit Union | Credit Union | 3.8 | 3.7 | 3.8 | 78 |
| Wells Fargo Bank | Bank | 3.7 | 3.6 | 3.7 | 76 |
West Fargo Best Home loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in West Fargo’s area are Choice Financial, Bell Bank, and Gate City Bank.
Choice Financial (91% Recommend)
- Choice Financial stands out with a 91% Recommend rate, an excellent 4.7 Easy Application score, and solid 4.5 Loan Terms & Rate Satisfaction.
- Homeowners highlight the lender’s efficient application process and competitive loan terms as key advantages.
Bell Bank (89% Recommend)
- Bell Bank achieves a strong 4.6 Support & Guidance rating, coupled with an 88% Recommend rate, making it a top choice for home loans.
- Users love Bell Bank for its personalized Homeowners service and clear communication throughout the loan process.
Gate City Bank (86% Recommend)
- Gate City Bank has balanced ratings with 4.4 in Easy Application and 4.3 in Support & Guidance, contributing to its 86% Recommend score.
- Homeowners appreciate Gate City Bank’s reliability and thorough guidance from application to closing.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Choice Financial | Community Bank | 4.7 | 4.5 | 4.3 | 91 |
| Bell Bank | Community Bank | 4.5 | 4.4 | 4.6 | 89 |
| Gate City Bank | Community Bank | 4.4 | 4.2 | 4.3 | 86 |
| Red River Credit Union | Credit Union | 4.2 | 4.0 | 4.1 | 83 |
| UND Federal Credit Union | Credit Union | 4.1 | 3.9 | 4.0 | 81 |
| Starion Bank | Community Bank | 3.9 | 3.8 | 3.9 | 79 |
| Sanford Health Federal Credit Union | Credit Union | 3.8 | 3.7 | 3.8 | 77 |
| Wells Fargo Bank | Bank | 3.7 | 3.6 | 3.7 | 75 |
Williston Best Home loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Williston’s area are First International Bank & Trust, Gate City Bank, and Choice Financial.
First International Bank & Trust (92% Recommend)
- First International Bank & Trust leads with a 92% Recommend rate and strong scores in Easy Application (4.8) and Loan Terms & Rate Satisfaction (4.6).
- Homeowners frequently commend their straightforward application process and competitive loan terms.
Gate City Bank (88% Recommend)
- Gate City Bank has a solid 88% Recommend score, supported by consistent ratings across Easy Application (4.5) and Support & Guidance (4.4).
- Users highlight their reliable support and clear communication throughout the mortgage process.
Choice Financial (85% Recommend)
- Choice Financial rates well with an 85% Recommend score, especially noted for its Easy Application (4.4) and Support & Guidance (4.3) scores.
- Homeowners appreciate their personalized service and ease of navigating loan terms.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First International Bank & Trust | Community Bank | 4.8 | 4.6 | 4.5 | 92 |
| Gate City Bank | Community Bank | 4.5 | 4.3 | 4.4 | 88 |
| Choice Financial | Community Bank | 4.4 | 4.2 | 4.3 | 85 |
| Red River Credit Union | Credit Union | 4.1 | 4.0 | 4.0 | 82 |
| Starion Bank | Community Bank | 3.9 | 3.8 | 3.9 | 79 |
| Sanford Health Federal Credit Union | Credit Union | 3.8 | 3.7 | 3.8 | 77 |
| Wells Fargo Bank | Bank | 3.7 | 3.6 | 3.7 | 75 |
| UND Federal Credit Union | Credit Union | 3.6 | 3.5 | 3.6 | 73 |
Dickinson Best Home loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Dickinson’s area are Gate City Bank, First International Bank & Trust, and Choice Financial.
Gate City Bank (90% Recommend)
- Gate City Bank scores highest with a 90% Recommend rate, leading in Easy Application (4.7) and Support & Guidance (4.5) among the top 3 lenders.
- Users love their helpful, clear communication and smooth loan process.
First International Bank & Trust (88% Recommend)
- First International Bank & Trust follows closely with 88% Recommend and strong Loan Terms & Rate Satisfaction (4.6) plus consistent Easy Application (4.5).
- Homeowners appreciate their competitive rates and straightforward application experience.
Choice Financial (84% Recommend)
- Choice Financial holds an 84% Recommend score, with balanced ratings in Easy Application (4.3), Loan Terms (4.1), and Support (4.2).
- Homeowners report a personalized approach and solid guidance throughout the mortgage journey.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Gate City Bank | Community Bank | 4.7 | 4.4 | 4.5 | 90 |
| First International Bank & Trust | Community Bank | 4.5 | 4.6 | 4.3 | 88 |
| Choice Financial | Community Bank | 4.3 | 4.1 | 4.2 | 84 |
| Starion Bank | Community Bank | 3.9 | 3.8 | 3.9 | 80 |
| Red River Credit Union | Credit Union | 3.8 | 3.7 | 3.7 | 78 |
| Sanford Health Federal Credit Union | Credit Union | 3.7 | 3.6 | 3.7 | 75 |
| Wells Fargo Bank | Bank | 3.6 | 3.5 | 3.6 | 74 |
| UND Federal Credit Union | Credit Union | 3.5 | 3.4 | 3.5 | 72 |
Mandan Best Home loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Mandan’s area are Gate City Bank, First International Bank & Trust, and Choice Financial.
Gate City Bank (91% Recommend)
- Gate City Bank leads with a 91% Recommend rate, scoring highest in Easy Application (4.8) and Support & Guidance (4.6) among the top 3.
- Homeowners highlight their responsive communication and straightforward loan process.
First International Bank & Trust (89% Recommend)
- First International Bank & Trust follows closely with 89% Recommend and strong Loan Terms & Rate Satisfaction (4.7) and Easy Application (4.6).
- Homeowners appreciate competitive rates and clear, helpful guidance throughout.
Choice Financial (85% Recommend)
- Choice Financial holds 85% Recommend, with balanced ratings in Easy Application (4.4), Loan Terms (4.2), and Support & Guidance (4.3).
- Borrowers mention personalized service and reliable support during the mortgage process.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Gate City Bank | Community Bank | 4.8 | 4.5 | 4.6 | 91 |
| First International Bank & Trust | Community Bank | 4.6 | 4.7 | 4.4 | 89 |
| Choice Financial | Community Bank | 4.4 | 4.2 | 4.3 | 85 |
| Starion Bank | Community Bank | 4.0 | 3.9 | 3.9 | 81 |
| Red River Credit Union | Credit Union | 3.9 | 3.8 | 3.8 | 79 |
| Sanford Health Federal Credit Union | Credit Union | 3.7 | 3.7 | 3.7 | 77 |
| Wells Fargo Bank | Bank | 3.6 | 3.5 | 3.6 | 75 |
| UND Federal Credit Union | Credit Union | 3.5 | 3.4 | 3.5 | 74 |
North Dakota Best Online Home loan Lenders
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for North Dakota residents are Gate City Bank, Fairway Independent Mortgage Corporation, and Bell Bank.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| Gate City Bank | $50K–$1.5M | 6.125%–7.23% | 10/15/20/30 | 5.0 | 4.8 | 4.9 | 97% |
| Fairway Independent Mortgage Corporation | $75K–$2M | 6.25%–7.50% | 15/20/30 | 4.9 | 4.7 | 4.8 | 95% |
| Bell Bank | $100K–$2M | 6.50%–7.75% | 15/20/30 | 4.8 | 4.6 | 4.7 | 93% |
| Town & Country Credit Union | $50K–$1.2M | 6.25%–7.50% | 10/15/20/30 | 4.7 | 4.5 | 4.6 | 92% |
| First Community Credit Union | $50K–$1M | 6.50%–7.80% | 15/20/30 | 4.6 | 4.4 | 4.5 | 91% |
| Capital Credit Union | $50K–$1M | 6.75%–8.00% | 15/20/30 | 4.5 | 4.3 | 4.4 | 90% |
| First International Bank & Trust | $75K–$1.5M | 6.60%–7.90% | 15/20/30 | 4.4 | 4.2 | 4.3 | 89% |
| New American Funding | $100K–$2M | 6.75%–8.25% | 15/20/30 | 4.3 | 4.1 | 4.2 | 88% |
| CMG Financial | $100K–$2M | 6.80%–8.30% | 15/20/30 | 4.2 | 4.0 | 4.1 | 87% |
| Guild Mortgage Company | $75K–$1.5M | 6.85%–8.35% | 15/20/30 | 4.1 | 3.9 | 4.0 | 86% |
| Cardinal Financial | $100K–$2M | 7.00%–8.50% | 15/20/30 | 4.0 | 3.8 | 3.9 | 85% |
| Choice Bank | $50K–$1.2M | 6.90%–8.20% | 15/20/30 | 3.9 | 3.7 | 3.8 | 84% |
| NBKC Bank | $75K–$1.5M | 7.10%–8.60% | 15/20/30 | 3.8 | 3.6 | 3.7 | 83% |
| PNC Bank | $75K–$1.5M | 7.15%–8.65% | 15/20/30 | 3.7 | 3.5 | 3.6 | 82% |
| Wintrust Mortgage | $100K–$2M | 7.20%–8.70% | 15/20/30 | 3.6 | 3.4 | 3.5 | 81% |
