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, 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:
Lender NameRate DifferenceRate RatingMarket Share
Gate City Bank-0.14%(4.0)26.97%
Bremer Bank-0.00%(3.5)1.77%
Merchants Bank-0.00%(3.5)1.67%
Caliber Home Loans0.01%(3.5)1.91%
First International Bank & Trust0.01%(3.5)6.26%
Capital Credit Union North Dakota0.02%(3.5)11.10%
Starion Bank0.02%(3.5)4.88%
Plains Commerce Bank0.04%(3.5)5.36%
BNC National Bank0.04%(3.5)3.06%
Choice Financial Group0.05%(3.5)3.68%
Wells Fargo Bank0.06%(3.0)2.53%
Flagstar Bank0.06%(3.0)5.88%
US Bank0.06%(3.0)2.97%
Guaranteed Rate0.09%(3.0)5.69%
TCF Bank0.11%(3.0)3.54%
Quicken Loans0.19%(2.5)4.45%
Lender NameRate DifferenceRate RatingMarket 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 Bank0.01%(3.5)3.45%
Starion Bank0.01%(3.5)4.68%
First International Bank & Trust0.01%(3.5)7.31%
BNC National Bank0.03%(3.5)3.12%
Choice Financial Group0.03%(3.5)4.43%
Plains Commerce Bank0.04%(3.5)7.31%
Flagstar Bank0.05%(3.5)5.25%
Capital Credit Union North Dakota0.05%(3.0)11.41%
Quicken Loans0.05%(3.0)1.72%
Merchants Bank0.07%(3.0)1.07%
TCF Bank0.09%(3.0)2.30%
Guaranteed Rate0.11%(3.0)6.32%
Lender NameRate DifferenceRate RatingMarket 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%
Plains Commerce Bank0.02%(3.5)2.63%
First International Bank & Trust0.02%(3.5)4.81%
Caliber Home Loans0.03%(3.5)1.37%
Starion Bank0.04%(3.5)5.15%
Guaranteed Rate0.04%(3.5)4.81%
Bremer Bank0.05%(3.5)1.37%
BNC National Bank0.06%(3.0)2.98%
Choice Financial Group0.07%(3.0)2.63%
Flagstar Bank0.07%(3.0)6.76%
TCF Bank0.13%(3.0)5.27%
Wells Fargo Bank0.15%(3.0)2.41%
US Bank0.16%(2.5)2.29%
Quicken Loans0.23%(2.5)8.25%
Lender NameRate DifferenceRate RatingMarket Share
Gate City Bank-0.15%(4.0)30.05%
Bremer Bank-0.00%(3.5)1.91%
Merchants Bank0.01%(3.5)2.16%
Plains Commerce Bank0.02%(3.5)3.57%
First International Bank & Trust0.03%(3.5)5.97%
Capital Credit Union North Dakota0.03%(3.5)12.50%
Starion Bank0.03%(3.5)5.91%
Caliber Home Loans0.04%(3.5)1.29%
BNC National Bank0.06%(3.0)3.33%
Choice Financial Group0.06%(3.0)4.68%
Wells Fargo Bank0.07%(3.0)2.89%
US Bank0.07%(3.0)3.33%
Guaranteed Rate0.11%(3.0)2.96%
Flagstar Bank0.12%(3.0)4.80%
TCF Bank0.15%(3.0)3.14%
Quicken Loans0.24%(2.5)4.13%
Lender NameRate DifferenceRate RatingMarket Share
Gate City Bank-0.14%(4.0)27.79%
Bremer Bank-0.02%(3.5)2.51%
Wells Fargo Bank0.01%(3.5)3.19%
US Bank0.02%(3.5)4.10%
Starion Bank0.02%(3.5)5.81%
Plains Commerce Bank0.03%(3.5)4.56%
First International Bank & Trust0.03%(3.5)7.18%
Caliber Home Loans0.03%(3.5)1.59%
BNC National Bank0.05%(3.5)3.53%
Choice Financial Group0.05%(3.5)6.04%
Quicken Loans0.07%(3.0)1.82%
Capital Credit Union North Dakota0.07%(3.0)12.76%
Merchants Bank0.09%(3.0)1.48%
Flagstar Bank0.11%(3.0)4.78%
TCF Bank0.12%(3.0)1.94%
Guaranteed Rate0.15%(3.0)2.96%
Lender NameRate DifferenceRate RatingMarket Share
Gate City Bank-0.15%(4.5)32.71%
Merchants Bank-0.03%(3.5)2.95%
Capital Credit Union North Dakota-0.03%(3.5)12.20%
Plains Commerce Bank0.01%(3.5)2.41%
First International Bank & Trust0.03%(3.5)4.56%
Caliber Home Loans0.04%(3.5)0.94%
Starion Bank0.04%(3.5)6.03%
Bremer Bank0.05%(3.0)1.21%
BNC National Bank0.07%(3.0)3.08%
Choice Financial Group0.07%(3.0)3.08%
Guaranteed Rate0.08%(3.0)2.95%
Flagstar Bank0.13%(3.0)4.83%
Wells Fargo Bank0.16%(2.5)2.55%
TCF Bank0.16%(2.5)4.56%
US Bank0.18%(2.5)2.41%
Quicken Loans0.30%(2.0)6.84%
Lender NameRate DifferenceRate RatingMarket 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%
Capital Credit Union North Dakota-0.01%(3.5)5.84%
Quicken Loans-0.00%(3.5)6.19%
Starion Bank0.00%(3.5)1.37%
BNC National Bank0.00%(3.5)1.72%
US Bank0.01%(3.5)1.03%
TCF Bank0.01%(3.5)4.12%
Plains Commerce Bank0.03%(3.5)17.53%
Guaranteed Rate0.06%(3.0)17.18%
Lender NameRate DifferenceRate RatingMarket 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%
Capital Credit Union North Dakota-0.01%(3.5)6.53%
Starion Bank-0.00%(3.5)1.63%
BNC National Bank0.00%(3.5)2.04%
Quicken Loans0.01%(3.5)1.63%
US Bank0.01%(3.5)0.82%
TCF Bank0.02%(3.5)3.27%
Plains Commerce Bank0.02%(3.5)19.18%
Guaranteed Rate0.08%(3.0)17.96%
Lender NameRate DifferenceRate RatingMarket 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%
Caliber Home Loans-0.00%(3.5)4.35%
US Bank0.00%(3.5)2.17%
Quicken Loans0.01%(3.5)30.43%
TCF Bank0.01%(3.5)8.70%
Gate City Bank0.01%(3.5)6.52%
Plains Commerce Bank0.04%(3.5)8.70%
Lender NameRate DifferenceRate RatingMarket Share
Gate City Bank-0.02%(3.5)39.29%
Plains Commerce Bank0.00%(3.5)3.57%
Starion Bank0.01%(3.5)7.14%
Choice Financial Group0.01%(3.5)3.57%
Bremer Bank0.01%(3.5)10.71%
US Bank0.01%(3.5)7.14%
Guaranteed Rate0.01%(3.5)7.14%
Wells Fargo Bank0.02%(3.5)7.14%
BNC National Bank0.02%(3.5)7.14%
Caliber Home Loans0.04%(3.5)3.57%
Lender NameRate DifferenceRate RatingMarket Share
Gate City Bank-0.02%(3.5)52.94%
Starion Bank0.02%(3.5)11.76%
Choice Financial Group0.02%(3.5)5.88%
US Bank0.02%(3.5)5.88%
Wells Fargo Bank0.02%(3.5)5.88%
Guaranteed Rate0.02%(3.5)5.88%
BNC National Bank0.02%(3.5)5.88%
Caliber Home Loans0.04%(3.5)5.88%
Lender NameRate DifferenceRate RatingMarket Share
Gate City Bank-0.02%(3.5)18.18%
Plains Commerce Bank-0.01%(3.5)9.09%
Guaranteed Rate0.00%(3.5)9.09%
Bremer Bank0.00%(3.5)27.27%
US Bank0.00%(3.5)9.09%
BNC National Bank0.01%(3.5)9.09%
Wells Fargo Bank0.01%(3.5)9.09%
Lender NameRate DifferenceRate RatingMarket 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%
Capital Credit Union North Dakota-0.01%(3.5)8.11%
First International Bank & Trust0.00%(3.5)10.81%
BNC National Bank0.01%(3.5)2.03%
Plains Commerce Bank0.01%(3.5)1.35%
Gate City Bank0.01%(3.5)14.86%
Bremer Bank0.02%(3.5)2.03%
Wells Fargo Bank0.02%(3.5)2.70%
US Bank0.03%(3.5)2.03%
TCF Bank0.03%(3.5)7.43%
Quicken Loans0.09%(3.0)5.41%
Lender NameRate DifferenceRate RatingMarket 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%
Quicken Loans-0.01%(3.5)1.28%
Plains Commerce Bank0.00%(3.5)2.56%
BNC National Bank0.00%(3.5)1.28%
Guaranteed Rate0.00%(3.5)7.69%
Bremer Bank0.01%(3.5)3.85%
Wells Fargo Bank0.01%(3.5)3.85%
TCF Bank0.01%(3.5)3.85%
Gate City Bank0.01%(3.5)20.51%
First International Bank & Trust0.02%(3.5)12.82%
US Bank0.02%(3.5)3.85%
Lender NameRate DifferenceRate RatingMarket 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%
Gate City Bank-0.00%(3.5)8.57%
Capital Credit Union North Dakota0.01%(3.5)1.43%
BNC National Bank0.01%(3.5)2.86%
Wells Fargo Bank0.02%(3.5)1.43%
TCF Bank0.05%(3.5)11.43%
Quicken Loans0.11%(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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