Ranked by the dollar value of loans originated. Volume is not quality, but it does tell you who is set up to close at scale.
| # | Lender | Grade | Dollar volume | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Gate City BankFargo, ND | C | $467M | 3,106 | 11.3% | 6.65% |
| 2 | First International Bank & TrustWatford City, ND | B | $277M | 1,112 | 4.0% | 6.63% |
| 3 | United Shore Financial ServicesPlymouth, MI | B | $215M | 881 | 7.5% | 6.25% |
| 4 | Bell BankFargo, ND | A | $183M | 806 | 7.7% | 6.99% |
| 5 | First Community Credit UnionJamestown, ND | B | $136M | 675 | 7.1% | 6.49% |
| 6 | Bravera BankDickinson, ND | A | $117M | 365 | 2.2% | — |
| 7 | Fairway Independent MortgageMadison, WI | B | $115M | 497 | 3.0% | 6.40% |
| 8 | Rocket MortgagePlymouth, MI | C | $114M | 827 | 21.6% | 6.63% |
| 9 | CapitalBismarck, ND | C | $113M | 646 | 3.7% | 7.00% |
| 10 | TOWN AND COUNTRY Credit UnionMinot, ND | B | $109M | 571 | 2.1% | 6.25% |
| 11 | Choice Financial GroupFargo, ND | B | $84M | 211 | 4.3% | 6.65% |
| 12 | Dakota Community Bank & TrustHebron, ND | B | $80M | 351 | 4.6% | 6.25% |
| 13 | Mortgage Research CenterColumbia, MO | C | $79M | 500 | 13.6% | 6.25% |
| 14 | Starion BankBismarck, ND | B | $77M | 214 | 2.8% | 6.50% |
| 15 | Old National BankEvansville, IN | B | $73M | 189 | 12.7% | 6.50% |
| 16 | Colliers MortgageMinneapolis, MN | A | $66M | 5 | 0.0% | 5.50% |
| 17 | Wells Fargo BankCharlotte, NC | B | $64M | 115 | 13.9% | 6.50% |
| 18 | First Western Bank & TrustMinot, ND | B | $62M | 254 | 2.8% | 6.63% |
| 19 | Valley MortgageFargo, ND | A | $56M | 191 | 3.1% | 6.23% |
| 20 | Alerus FinancialGrand Forks, ND | B | $56M | 298 | 9.4% | 7.00% |
| 21 | Western State BankDevils Lake, ND | B | $52M | 170 | 3.5% | 6.38% |
| 22 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | $51M | 231 | 2.6% | 6.20% |
| 23 | U.S. BankCincinnati, OH | D | $46M | 486 | 30.0% | 7.30% |
| 24 | Granite BankCold Spring, MN | B | $39M | 169 | 5.3% | 6.50% |
| 25 | Border BankFargo, ND | A | $35M | 43 | 7.0% | — |
| 26 | Crosscountry MortgageCleveland, OH | B | $34M | 155 | 4.5% | 6.49% |
| 27 | Dacotah BankAberdeen, SD | B | $33M | 125 | 5.6% | 6.63% |
| 28 | Aspire Community Federal Credit unionMinot, ND | A | $32M | 150 | 3.3% | — |
| 29 | Bank ForwardFargo, ND | A | $32M | 101 | 1.0% | — |
| 30 | NewrezWilmington, DE | D | $31M | 271 | 15.5% | 6.49% |
| 31 | Lument Real Estate CapitalDover, DE | C | $31M | 7 | 0.0% | 6.38% |
| 32 | Kirkwood Bank & TrustBismarck, ND | A | $29M | 138 | 2.2% | — |
| 33 | Guaranteed RateChicago, IL | B | $28M | 194 | 9.3% | 6.38% |
| 34 | Cambria Financial GroupEden Prairie, MN | B | $27M | 92 | 0.0% | 6.50% |
| 35 | Freedom MortgageBoca Raton, FL | B | $26M | 238 | 16.8% | 6.25% |
| 36 | Presidential BankBethesda, MD | B | $26M | 96 | 1.0% | 6.99% |
| 37 | Loandepot.ComIrvine, CA | D | $26M | 243 | 25.9% | 6.49% |
| 38 | Bremer BankSt. Paul, MN | B | $24M | 82 | 14.6% | 7.00% |
| 39 | Pennymac Loan ServicesWestlake Village, CA | C | $24M | 246 | 15.9% | 6.31% |
| 40 | Guild MortgageSan Diego, CA | A | $24M | 142 | 1.4% | 6.38% |
| 41 | Cornerstone BankFargo, ND | B | $22M | 126 | 2.4% | 7.25% |
| 42 | American Federal BankFargo, ND | C | $22M | 89 | 11.2% | — |
| 43 | KodabankDrayton, ND | A | $22M | 56 | 0.0% | — |
| 44 | Broker SolutionsTustin, CA | D | $18M | 203 | 14.8% | 6.88% |
| 45 | First Colony MortgageOrem, UT | A | $18M | 94 | 5.3% | 6.25% |
| 46 | Navy Federal Credit UnionVienna, VA | D | $18M | 138 | 18.8% | 6.13% |
| 47 | Barrington Bank & Trust CompanyBarrington, IL | C | $16M | 85 | 7.1% | 6.25% |
| 48 | Western Cooperative Credit UnionWilliston, ND | – | $15M | 107 | 2.8% | 6.25% |
| 49 | NextMortgageSan Ramon, CA | C | $15M | 91 | 1.1% | 6.99% |
| 50 | BNC National BankGlendale, AZ | A | $14M | 136 | 12.5% | 7.50% |
Ordered by the dollar value of loans originated in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.
