Mortgage lenders in Wells County
54 mortgages were made in Wells County, North Dakota, in 2025, by 29 lenders. The median rate their borrowers got was 6.500% on a median loan of $120,000. Of 61 decisions, 5 were denials — 8.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| First International Bank & Trust | 25 | 6.500% | $105,000 | 3.9% |
| Rocket Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Gate City Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Dakota Heritage Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AgCountry Farm Credit Services, FLCA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWN AND COUNTRY Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Starion Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blaze Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Unison Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Coastal Community Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Bremer Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| RAILWAY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Wells Fargo 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 |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NEWREZ LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| WEST GATE BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 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 Wells County
5 FDIC-insured branches from 4 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First International Bank & Trust | 2 | $186.3 million |
| First State Bank of Harvey | 1 | $80.8 million |
| Dakota Heritage Bank | 1 | $66.6 million |
| Bank Forward | 1 | $13.0 million |
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When the next year’s lending figures are out for Wells 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.