Top Mortgage Lenders in Bismarck, ND

Which mortgage lender in the Bismarck, ND area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Bismarck, ND area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Bismarck, ND area in terms of interest rate is Gate City Bank, with an average “Rate Difference” of -0.14%. This means that, comparing similar borrowers, Gate City Bank provided a -0.14% lower interest rate for its customers than other lenders in the area. Gate City Bank has a market share of 27.0%. It is the most popular lender in the Bismarck, ND area.

Our detailed ranking of mortgage lenders in the Bismarck, ND area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, Gate City Bank is the cheapest mortgage provider for Conventional and Jumbo mortgages in Bismarck, ND. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Flagstar Bank. The cheapest VA mortgage provider is Flagstar Bank. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Bismarck, ND

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
Gate City Bank	-0.14%	(4.0)	26.97%
Bremer Bank	-0.00%	(3.5)	1.77%
BlackRidgeBANK	-0.00%	(3.5)	4.21%
Merchants Bank	-0.00%	(3.5)	1.67%
Caliber Home Loans	0.01%	(3.5)	1.91%
First International Bank & Trust	0.01%	(3.5)	6.26%
Capital Credit Union North Dakota	0.02%	(3.5)	11.10%
Starion Bank	0.02%	(3.5)	4.88%
Plains Commerce Bank	0.04%	(3.5)	5.36%
BNC National Bank	0.04%	(3.5)	3.06%
Choice Financial Group	0.05%	(3.5)	3.68%
Wells Fargo Bank	0.06%	(3.0)	2.53%
Flagstar Bank	0.06%	(3.0)	5.88%
US Bank	0.06%	(3.0)	2.97%
Guaranteed Rate	0.09%	(3.0)	5.69%
Benchmark	0.09%	(3.0)	4.07%
TCF Bank	0.11%	(3.0)	3.54%
Quicken Loans	0.19%	(2.5)	4.45%

Lender Name	Rate Difference	Rate Rating	Market Share
Gate City Bank	-0.13%	(4.0)	25.37%
Bremer Bank	-0.03%	(3.5)	2.05%
Caliber Home Loans	-0.00%	(3.5)	2.30%
Wells Fargo Bank	-0.00%	(3.5)	2.63%
US Bank	0.01%	(3.5)	3.45%
Starion Bank	0.01%	(3.5)	4.68%
First International Bank & Trust	0.01%	(3.5)	7.31%
BlackRidgeBANK	0.03%	(3.5)	3.53%
BNC National Bank	0.03%	(3.5)	3.12%
Choice Financial Group	0.03%	(3.5)	4.43%
Plains Commerce Bank	0.04%	(3.5)	7.31%
Flagstar Bank	0.05%	(3.5)	5.25%
Capital Credit Union North Dakota	0.05%	(3.0)	11.41%
Quicken Loans	0.05%	(3.0)	1.72%
Merchants Bank	0.07%	(3.0)	1.07%
TCF Bank	0.09%	(3.0)	2.30%
Benchmark	0.10%	(3.0)	5.75%
Guaranteed Rate	0.11%	(3.0)	6.32%

Lender Name	Rate Difference	Rate Rating	Market Share
Gate City Bank	-0.15%	(4.0)	29.21%
Merchants Bank	-0.04%	(3.5)	2.52%
Capital Credit Union North Dakota	-0.03%	(3.5)	10.65%
BlackRidgeBANK	-0.03%	(3.5)	5.15%
Plains Commerce Bank	0.02%	(3.5)	2.63%
First International Bank & Trust	0.02%	(3.5)	4.81%
Caliber Home Loans	0.03%	(3.5)	1.37%
Starion Bank	0.04%	(3.5)	5.15%
Guaranteed Rate	0.04%	(3.5)	4.81%
Bremer Bank	0.05%	(3.5)	1.37%
Benchmark	0.06%	(3.0)	1.72%
BNC National Bank	0.06%	(3.0)	2.98%
Choice Financial Group	0.07%	(3.0)	2.63%
Flagstar Bank	0.07%	(3.0)	6.76%
TCF Bank	0.13%	(3.0)	5.27%
Wells Fargo Bank	0.15%	(3.0)	2.41%
US Bank	0.16%	(2.5)	2.29%
Quicken Loans	0.23%	(2.5)	8.25%

Lender Name	Rate Difference	Rate Rating	Market Share
Gate City Bank	-0.15%	(4.0)	30.05%
Bremer Bank	-0.00%	(3.5)	1.91%
BlackRidgeBANK	0.01%	(3.5)	4.50%
Merchants Bank	0.01%	(3.5)	2.16%
Plains Commerce Bank	0.02%	(3.5)	3.57%
First International Bank & Trust	0.03%	(3.5)	5.97%
Capital Credit Union North Dakota	0.03%	(3.5)	12.50%
Starion Bank	0.03%	(3.5)	5.91%
Caliber Home Loans	0.04%	(3.5)	1.29%
BNC National Bank	0.06%	(3.0)	3.33%
Choice Financial Group	0.06%	(3.0)	4.68%
Wells Fargo Bank	0.07%	(3.0)	2.89%
US Bank	0.07%	(3.0)	3.33%
Benchmark	0.09%	(3.0)	2.89%
Guaranteed Rate	0.11%	(3.0)	2.96%
Flagstar Bank	0.12%	(3.0)	4.80%
TCF Bank	0.15%	(3.0)	3.14%
Quicken Loans	0.24%	(2.5)	4.13%

Lender Name	Rate Difference	Rate Rating	Market Share
Gate City Bank	-0.14%	(4.0)	27.79%
Bremer Bank	-0.02%	(3.5)	2.51%
Wells Fargo Bank	0.01%	(3.5)	3.19%
US Bank	0.02%	(3.5)	4.10%
Starion Bank	0.02%	(3.5)	5.81%
Plains Commerce Bank	0.03%	(3.5)	4.56%
First International Bank & Trust	0.03%	(3.5)	7.18%
Caliber Home Loans	0.03%	(3.5)	1.59%
BNC National Bank	0.05%	(3.5)	3.53%
BlackRidgeBANK	0.05%	(3.5)	3.87%
Choice Financial Group	0.05%	(3.5)	6.04%
Quicken Loans	0.07%	(3.0)	1.82%
Capital Credit Union North Dakota	0.07%	(3.0)	12.76%
Merchants Bank	0.09%	(3.0)	1.48%
Benchmark	0.10%	(3.0)	4.10%
Flagstar Bank	0.11%	(3.0)	4.78%
TCF Bank	0.12%	(3.0)	1.94%
Guaranteed Rate	0.15%	(3.0)	2.96%

Lender Name	Rate Difference	Rate Rating	Market Share
Gate City Bank	-0.15%	(4.5)	32.71%
Merchants Bank	-0.03%	(3.5)	2.95%
BlackRidgeBANK	-0.03%	(3.5)	5.23%
Capital Credit Union North Dakota	-0.03%	(3.5)	12.20%
Plains Commerce Bank	0.01%	(3.5)	2.41%
First International Bank & Trust	0.03%	(3.5)	4.56%
Caliber Home Loans	0.04%	(3.5)	0.94%
Starion Bank	0.04%	(3.5)	6.03%
Bremer Bank	0.05%	(3.0)	1.21%
Benchmark	0.05%	(3.0)	1.47%
BNC National Bank	0.07%	(3.0)	3.08%
Choice Financial Group	0.07%	(3.0)	3.08%
Guaranteed Rate	0.08%	(3.0)	2.95%
Flagstar Bank	0.13%	(3.0)	4.83%
Wells Fargo Bank	0.16%	(2.5)	2.55%
TCF Bank	0.16%	(2.5)	4.56%
US Bank	0.18%	(2.5)	2.41%
Quicken Loans	0.30%	(2.0)	6.84%

Lender Name	Rate Difference	Rate Rating	Market Share
Flagstar Bank	-0.12%	(4.0)	5.84%
Gate City Bank	-0.07%	(4.0)	14.78%
Caliber Home Loans	-0.07%	(4.0)	3.78%
First International Bank & Trust	-0.07%	(4.0)	6.19%
BlackRidgeBANK	-0.02%	(3.5)	2.06%
Capital Credit Union North Dakota	-0.01%	(3.5)	5.84%
Quicken Loans	-0.00%	(3.5)	6.19%
Starion Bank	0.00%	(3.5)	1.37%
BNC National Bank	0.00%	(3.5)	1.72%
US Bank	0.01%	(3.5)	1.03%
TCF Bank	0.01%	(3.5)	4.12%
Plains Commerce Bank	0.03%	(3.5)	17.53%
Guaranteed Rate	0.06%	(3.0)	17.18%
Benchmark	0.08%	(3.0)	12.37%

Lender Name	Rate Difference	Rate Rating	Market Share
Flagstar Bank	-0.14%	(4.0)	5.31%
Caliber Home Loans	-0.08%	(4.0)	3.67%
Gate City Bank	-0.08%	(4.0)	16.33%
First International Bank & Trust	-0.07%	(4.0)	6.53%
BlackRidgeBANK	-0.02%	(3.5)	2.04%
Capital Credit Union North Dakota	-0.01%	(3.5)	6.53%
Starion Bank	-0.00%	(3.5)	1.63%
BNC National Bank	0.00%	(3.5)	2.04%
Quicken Loans	0.01%	(3.5)	1.63%
US Bank	0.01%	(3.5)	0.82%
TCF Bank	0.02%	(3.5)	3.27%
Plains Commerce Bank	0.02%	(3.5)	19.18%
Guaranteed Rate	0.08%	(3.0)	17.96%
Benchmark	0.08%	(3.0)	13.06%

Lender Name	Rate Difference	Rate Rating	Market Share
Flagstar Bank	-0.05%	(3.5)	8.70%
First International Bank & Trust	-0.04%	(3.5)	4.35%
Guaranteed Rate	-0.03%	(3.5)	13.04%
Capital Credit Union North Dakota	-0.01%	(3.5)	2.17%
BlackRidgeBANK	-0.01%	(3.5)	2.17%
Caliber Home Loans	-0.00%	(3.5)	4.35%
US Bank	0.00%	(3.5)	2.17%
Quicken Loans	0.01%	(3.5)	30.43%
TCF Bank	0.01%	(3.5)	8.70%
Gate City Bank	0.01%	(3.5)	6.52%
Benchmark	0.03%	(3.5)	8.70%
Plains Commerce Bank	0.04%	(3.5)	8.70%

Lender Name	Rate Difference	Rate Rating	Market Share
Gate City Bank	-0.02%	(3.5)	39.29%
Plains Commerce Bank	0.00%	(3.5)	3.57%
Starion Bank	0.01%	(3.5)	7.14%
Choice Financial Group	0.01%	(3.5)	3.57%
Bremer Bank	0.01%	(3.5)	10.71%
US Bank	0.01%	(3.5)	7.14%
Guaranteed Rate	0.01%	(3.5)	7.14%
Wells Fargo Bank	0.02%	(3.5)	7.14%
BlackRidgeBANK	0.02%	(3.5)	3.57%
BNC National Bank	0.02%	(3.5)	7.14%
Caliber Home Loans	0.04%	(3.5)	3.57%

Lender Name	Rate Difference	Rate Rating	Market Share
Gate City Bank	-0.02%	(3.5)	52.94%
Starion Bank	0.02%	(3.5)	11.76%
Choice Financial Group	0.02%	(3.5)	5.88%
US Bank	0.02%	(3.5)	5.88%
Wells Fargo Bank	0.02%	(3.5)	5.88%
Guaranteed Rate	0.02%	(3.5)	5.88%
BNC National Bank	0.02%	(3.5)	5.88%
Caliber Home Loans	0.04%	(3.5)	5.88%

Lender Name	Rate Difference	Rate Rating	Market Share
Gate City Bank	-0.02%	(3.5)	18.18%
Plains Commerce Bank	-0.01%	(3.5)	9.09%
Guaranteed Rate	0.00%	(3.5)	9.09%
Bremer Bank	0.00%	(3.5)	27.27%
US Bank	0.00%	(3.5)	9.09%
BlackRidgeBANK	0.01%	(3.5)	9.09%
BNC National Bank	0.01%	(3.5)	9.09%
Wells Fargo Bank	0.01%	(3.5)	9.09%

Lender Name	Rate Difference	Rate Rating	Market Share
Flagstar Bank	-0.04%	(3.5)	18.92%
Caliber Home Loans	-0.02%	(3.5)	4.73%
Guaranteed Rate	-0.02%	(3.5)	12.84%
BlackRidgeBANK	-0.01%	(3.5)	5.41%
Capital Credit Union North Dakota	-0.01%	(3.5)	8.11%
First International Bank & Trust	0.00%	(3.5)	10.81%
BNC National Bank	0.01%	(3.5)	2.03%
Benchmark	0.01%	(3.5)	1.35%
Plains Commerce Bank	0.01%	(3.5)	1.35%
Gate City Bank	0.01%	(3.5)	14.86%
Bremer Bank	0.02%	(3.5)	2.03%
Wells Fargo Bank	0.02%	(3.5)	2.70%
US Bank	0.03%	(3.5)	2.03%
TCF Bank	0.03%	(3.5)	7.43%
Quicken Loans	0.09%	(3.0)	5.41%

Lender Name	Rate Difference	Rate Rating	Market Share
Caliber Home Loans	-0.04%	(3.5)	5.13%
Capital Credit Union North Dakota	-0.02%	(3.5)	14.10%
Flagstar Bank	-0.02%	(3.5)	11.54%
BlackRidgeBANK	-0.01%	(3.5)	5.13%
Quicken Loans	-0.01%	(3.5)	1.28%
Benchmark	-0.00%	(3.5)	2.56%
Plains Commerce Bank	0.00%	(3.5)	2.56%
BNC National Bank	0.00%	(3.5)	1.28%
Guaranteed Rate	0.00%	(3.5)	7.69%
Bremer Bank	0.01%	(3.5)	3.85%
Wells Fargo Bank	0.01%	(3.5)	3.85%
TCF Bank	0.01%	(3.5)	3.85%
Gate City Bank	0.01%	(3.5)	20.51%
First International Bank & Trust	0.02%	(3.5)	12.82%
US Bank	0.02%	(3.5)	3.85%

Lender Name	Rate Difference	Rate Rating	Market Share
Flagstar Bank	-0.04%	(3.5)	27.14%
Guaranteed Rate	-0.02%	(3.5)	18.57%
First International Bank & Trust	-0.02%	(3.5)	8.57%
Caliber Home Loans	-0.01%	(3.5)	4.29%
BlackRidgeBANK	-0.01%	(3.5)	5.71%
Gate City Bank	-0.00%	(3.5)	8.57%
Capital Credit Union North Dakota	0.01%	(3.5)	1.43%
BNC National Bank	0.01%	(3.5)	2.86%
Wells Fargo Bank	0.02%	(3.5)	1.43%
TCF Bank	0.05%	(3.5)	11.43%
Quicken Loans	0.11%	(3.0)	10.00%

* Data is compiled for the Bismarck, ND commuting zone area, which comprises of counties of Burleigh County, ND, Grant County, ND, McLean County, ND, Mercer County, ND, Morton County, ND, and Oliver County, ND. This includes cities/towns/communities of Bismarck, ND as well as Mandan, ND, Lincoln, ND, Driscoll, ND, Garrison, ND, Washburn, ND, Beulah, ND, Flasher, ND, New Salem, ND, Hazen, ND, Stanton, ND, Wilton, ND, Center, ND, and Elgin, ND. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings in Other Cities

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