The Lenders Community Survey gathers homeowners feedback and 71 lender recommendations for North Dakota homeowners. Shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 30, 2025
<< Human Powered Recommendations >>
North Dakota Top Lenders for Home Refinance Loans
Fargo, Bismarck, Grand Forks, Minot, West Fargo, Williston, Dickinson, Mandan, Online lenders.
Recommendations are gathered from 683 North Dakota members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage 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 refinance?
- – 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 Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Fargo’s area are Bell Bank, Gate City Bank, and Capital Credit Union.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Bell Bank | Community Bank | 4.5 | 4.5 | 5.0 | 92% |
| Gate City Bank | Regional Bank | 4.0 | 4.5 | 4.5 | 89% |
| Capital Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 87% |
| Bank of North Dakota | State-Owned Bank | 4.0 | 4.0 | 4.0 | 85% |
| First International Bank & Trust | Regional Bank | 3.5 | 4.0 | 4.0 | 83% |
| Bremer Bank | Regional Bank | 3.5 | 3.5 | 4.0 | 80% |
| First Community Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 78% |
| Peoples State Bank | Community Bank | 3.5 | 3.5 | 3.5 | 77% |
| Starion Bank | Community Bank | 3.0 | 3.5 | 3.5 | 75% |
Bismarck Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Bismarck’s area are First International Bank & Trust, Bank of North Dakota, and Gate City Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| First International Bank & Trust | Regional Bank | 4.5 | 4.5 | 4.5 | 91% |
| Bank of North Dakota | State-Owned Bank | 4.0 | 4.5 | 4.5 | 89% |
| Gate City Bank | Regional Bank | 4.0 | 4.0 | 4.5 | 87% |
| Capital Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 85% |
| Starion Bank | Community Bank | 3.5 | 4.0 | 4.0 | 83% |
| American Bank Center | Community Bank | 3.5 | 3.5 | 4.0 | 80% |
| First National Bank & Trust | Community Bank | 3.5 | 3.5 | 3.5 | 78% |
| Peoples State Bank | Community Bank | 3.0 | 3.5 | 3.5 | 76% |
| Security First Bank | Community Bank | 3.0 | 3.5 | 3.5 | 75% |
| First Community Credit Union | Credit Union | 3.0 | 3.0 | 3.5 | 73% |
Grand Forks Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Grand Forks’s area are Alerus Bank, Gate City Bank, and First International Bank & Trust.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Alerus Bank | Regional Bank | 4.5 | 4.5 | 4.5 | 90% |
| Gate City Bank | Regional Bank | 4.0 | 4.5 | 4.5 | 88% |
| First International Bank & Trust | Regional Bank | 4.0 | 4.0 | 4.5 | 86% |
| Bremer Bank | Regional Bank | 3.5 | 4.0 | 4.0 | 82% |
| First Community Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 80% |
| United Valley Bank | Community Bank | 3.5 | 3.5 | 3.5 | 77% |
| Peoples State Bank | Community Bank | 3.0 | 3.5 | 3.5 | 75% |
Minot Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Minot’s area are First International Bank & Trust, American Bank Center, and Gate City Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| First International Bank & Trust | Regional Bank | 4.5 | 4.5 | 4.5 | 91% |
| American Bank Center | Community Bank | 4.0 | 4.5 | 4.5 | 89% |
| Gate City Bank | Regional Bank | 4.0 | 4.0 | 4.5 | 86% |
| First National Bank & Trust | Community Bank | 3.5 | 4.0 | 4.0 | 83% |
| Starion Bank | Community Bank | 3.5 | 3.5 | 4.0 | 80% |
| First Community Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 78% |
| Dakota Community Bank | Community Bank | 3.0 | 3.5 | 3.5 | 76% |
West Fargo Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in West Fargo’s area are Bell Bank, Gate City Bank, and First International Bank & Trust.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Bell Bank | Community Bank | 4.5 | 4.5 | 5.0 | 93% |
| Gate City Bank | Regional Bank | 4.0 | 4.5 | 4.5 | 89% |
| First International Bank & Trust | Regional Bank | 4.0 | 4.0 | 4.5 | 87% |
| Bremer Bank | Regional Bank | 3.5 | 4.0 | 4.0 | 83% |
| First Community Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 80% |
| United Valley Bank | Community Bank | 3.5 | 3.5 | 3.5 | 78% |
| Peoples State Bank | Community Bank | 3.0 | 3.5 | 3.5 | 76% |
Williston Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Williston’s area are First International Bank & Trust, American Bank Center, and Starion Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| First International Bank & Trust | Regional Bank | 4.5 | 4.5 | 4.5 | 92% |
| American Bank Center | Community Bank | 4.0 | 4.5 | 4.5 | 89% |
| Starion Bank | Community Bank | 4.0 | 4.0 | 4.0 | 86% |
| First National Bank & Trust | Community Bank | 3.5 | 4.0 | 4.0 | 83% |
| Dakota Community Bank | Community Bank | 3.5 | 3.5 | 4.0 | 80% |
| First Community Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 78% |
| Peoples State Bank | Community Bank | 3.0 | 3.5 | 3.5 | 76% |
Dickinson Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Dickinson’s area are First International Bank & Trust, American Bank Center, and Starion Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| First International Bank & Trust | Regional Bank | 4.5 | 4.5 | 4.5 | 91% |
| American Bank Center | Community Bank | 4.0 | 4.5 | 4.5 | 88% |
| Starion Bank | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| Dakota Community Bank | Community Bank | 3.5 | 4.0 | 4.0 | 82% |
| First National Bank & Trust | Community Bank | 3.5 | 3.5 | 4.0 | 80% |
| First Community Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 78% |
| Security First Bank | Community Bank | 3.0 | 3.5 | 3.5 | 76% |
Mandan Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Mandan’s area are First International Bank & Trust, Gate City Bank, and American Bank Center.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| First International Bank & Trust | Regional Bank | 4.5 | 4.5 | 4.5 | 92% |
| Gate City Bank | Regional Bank | 4.0 | 4.5 | 4.5 | 89% |
| American Bank Center | Community Bank | 4.0 | 4.0 | 4.5 | 87% |
| Starion Bank | Community Bank | 3.5 | 4.0 | 4.0 | 84% |
| First National Bank & Trust | Community Bank | 3.5 | 3.5 | 4.0 | 81% |
| First Community Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 79% |
| Peoples State Bank | Community Bank | 3.0 | 3.5 | 3.5 | 76% |
Best North Dakota Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in North Dakota are Rocket Mortgage, Better.com and Bank of North Dakota.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50k-$2.5M | 3.5%-6.5% | 10-30 years | 4.5 | 4.0 | 4.5 | 91% |
| Better.com | $50k-$2M | 3.75%-6.25% | 15-30 years | 4.5 | 4.5 | 4.0 | 89% |
| Bank of North Dakota | $50k-$1.5M | 3.25%-5.75% | 10-30 years | 4.0 | 4.5 | 4.5 | 88% |
| First International Bank & Trust | $50k-$2M | 3.5%-6.0% | 10-30 years | 4.0 | 4.0 | 4.5 | 87% |
| LoanDepot | $50k-$3M | 3.99%-6.5% | 10-30 years | 4.0 | 4.0 | 4.0 | 86% |
| Gate City Bank | $50k-$1.5M | 3.75%-6.25% | 15-30 years | 4.0 | 4.0 | 4.0 | 85% |
| Guaranteed Rate | $50k-$2.5M | 3.85%-6.75% | 10-30 years | 4.0 | 4.0 | 4.0 | 85% |
| Bell Bank | $50k-$1.5M | 3.99%-6.5% | 15-30 years | 3.5 | 4.0 | 4.0 | 84% |
| New American Funding | $50k-$3M | 4.0%-7.0% | 10-30 years | 4.0 | 3.5 | 4.0 | 83% |
| Starion Bank | $50k-$1M | 4.0%-6.5% | 15-30 years | 3.5 | 3.5 | 4.0 | 82% |
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