Mortgage lenders in Grand Forks County
1,263 mortgages were made in Grand Forks County, North Dakota, in 2025, by 131 lenders. The median rate their borrowers got was 6.500% on a median loan of $205,000. Of 1,460 decisions, 161 were denials — 11.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Gate City Bank | 254 | 6.770% | $105,000 | 9.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 160 | 6.250% | $295,000 | 2.4% |
| Alerus Financial, National Association | 99 | 7.000% | $155,000 | 6.4% |
| First International Bank & Trust | 69 | 6.500% | $245,000 | 1.4% |
| Barrington Bank & Trust Company, National Association | 55 | 6.250% | $225,000 | 1.8% |
| FIRST COMMUNITY CREDIT UNION | 47 | 6.250% | $175,000 | 7.8% |
| Old National Bank | 40 | 6.433% | $210,000 | 18.4% |
| First State Bank | 37 | Not published | $175,000 | 0.0% |
| Rocket Mortgage, LLC | 36 | 6.625% | $200,000 | 15.6% |
| FIRST HOLDING COMPANY OF CAVALIER, INC. | 31 | Not published | $205,000 | 0.0% |
| Frandsen Bank & Trust | 30 | 6.563% | $120,000 | 6.3% |
| Granite Bank | 29 | 6.500% | $235,000 | 6.5% |
| Nations Lending Corporation | 26 | 6.688% | $220,000 | 0.0% |
| Florida Capital Bank, National Association | 24 | 6.188% | $235,000 | 4.0% |
| U.S. Bank National Association | 21 | 7.950% | $125,000 | 32.3% |
| Mortgage Research Center, LLC | 18 | 6.250% | $275,000 | 25.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 17 | 6.490% | $235,000 | 5.6% |
| Bremer Bank, National Association | 14 | 6.813% | $185,000 | 6.7% |
| American Federal Bank | 13 | Not published | $225,000 | 11.8% |
| Bank Forward | 12 | Not published | $215,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 11 | 6.250% | $265,000 | 15.4% |
| Choice Financial Group | 11 | 7.100% | $185,000 | 12.5% |
| 21st Mortgage Corporation | 10 | 11.980% | $40,000 | 59.3% |
| KODABANK | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 11.1% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 38.5% |
| PENNYMAC LOAN SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| NEWREZ LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| JPMorgan Chase Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bravera Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CHARTWELL FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| BANKWEST, INC. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Loandepot.Com, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cambria Financial Group, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST UNITED BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 2 | Under 10 loans | Under 10 loans | 8.3% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 66.7% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWN AND COUNTRY Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wheaton Bank & Trust, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Libertyville Bank & Trust Company, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Resource Bank | 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% |
| AFFINITY PLUS | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VALLEY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 60.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 40.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ultima Bank Minnesota | 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% |
| PLANET HOME LENDING, LLC | 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% |
| 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% |
| COLLIERS MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blaze Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 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% |
| CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Deerwood Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 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 |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| American Nation Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Gold Coast Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UBS Bank USA | 0 | Under 10 loans | Under 10 loans | Not published |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| CMG MORTGAGE, INC. | 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 |
| 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 |
| PHH Mortgage Corporation | 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 Grand Forks County
25 FDIC-insured branches from 15 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Alerus Financial, National Association | 4 | $583.6 million |
| Gate City Bank | 3 | $368.4 million |
| Old National Bank | 2 | $383.0 million |
| U.S. Bank National Association | 2 | $305.1 million |
| First State Bank | 2 | $253.5 million |
| Choice Financial Group | 2 | $248.3 million |
| American Federal Bank | 2 | $42.0 million |
| Wells Fargo Bank, National Association | 1 | $202.9 million |
| Frandsen Bank & Trust | 1 | $144.9 million |
| United Valley Bank | 1 | $94.9 million |
| Bank Forward | 1 | $73.0 million |
| Bell Bank | 1 | $62.0 million |
| First International Bank & Trust | 1 | $57.9 million |
| KodaBank | 1 | $39.4 million |
| Bravera Bank | 1 | $16.0 million |
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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.