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, we provide a data driven ranking of mortgage lenders in the Bismarck, ND area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Bismarck, ND area is Gate City Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.14%. This means that Gate City Bank provided a -0.14% lower interest rate for its customers than other lenders in Bismarck, ND for a similar set of borrowers. Gate City Bank has a market share of 26.4%. It is the most popular lender in the area.

Our detailed rankings of the mortgage lenders for 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, 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. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Bismarck, ND

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gate City Bank 1, -0.14% 26.39%
Citizens Bank 2, -0.06% 1.97%
Bremer Bank 3, -0.00% 1.78%
BlackRidgeBANK 4, 0.00% 4.12%
Merchants Bank 5, 0.00% 1.64%
Caliber Home Loans Inc 6, 0.01% 1.87%
First International Bank & Trust 7, 0.01% 6.18%
Capital Credit Union 8, 0.02% 10.86%
Starion Bank 9, 0.02% 4.77%
Plains Commerce Bank 10, 0.04% 5.24%
Bnc National Bank 11, 0.05% 2.99%
Choice Financial Group 12, 0.05% 3.60%
Flagstar Bank 13, 0.06% 5.76%
Wells Fargo Bank 14, 0.06% 2.48%
Us Bank 15, 0.06% 2.95%
Guaranteed Rate Inc 16, 0.09% 5.57%
Ark-La-Tex Financial Services 17, 0.10% 3.98%
TCF National Bank 18, 0.11% 3.46%
Quicken Loans 19, 0.19% 4.40%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gate City Bank 1, -0.13% 24.98%
Bremer Bank 2, -0.03% 2.02%
Caliber Home Loans Inc 3, -0.00% 2.26%
Wells Fargo Bank 4, -0.00% 2.59%
Citizens Bank 5, 0.00% 1.46%
Us Bank 6, 0.01% 3.40%
Starion Bank 7, 0.01% 4.61%
First International Bank & Trust 8, 0.01% 7.28%
BlackRidgeBANK 9, 0.03% 3.48%
Bnc National Bank 10, 0.03% 3.07%
Choice Financial Group 11, 0.03% 4.37%
Plains Commerce Bank 12, 0.04% 7.19%
Flagstar Bank 13, 0.05% 5.17%
Capital Credit Union 14, 0.05% 11.24%
Quicken Loans 15, 0.05% 1.70%
Merchants Bank 16, 0.07% 1.05%
TCF National Bank 17, 0.09% 2.26%
Ark-La-Tex Financial Services 18, 0.10% 5.66%
Guaranteed Rate Inc 19, 0.11% 6.22%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gate City Bank 1, -0.15% 28.33%
Citizens Bank 2, -0.11% 2.67%
Merchants Bank 3, -0.04% 2.44%
Capital Credit Union 4, -0.03% 10.33%
BlackRidgeBANK 5, -0.03% 5.00%
Plains Commerce Bank 6, 0.02% 2.56%
First International Bank & Trust 7, 0.02% 4.67%
Caliber Home Loans Inc 8, 0.04% 1.33%
Starion Bank 9, 0.04% 5.00%
Guaranteed Rate Inc 10, 0.05% 4.67%
Bremer Bank 11, 0.05% 1.44%
Ark-La-Tex Financial Services 12, 0.06% 1.67%
Bnc National Bank 13, 0.06% 2.89%
Choice Financial Group 14, 0.07% 2.56%
Flagstar Bank 15, 0.07% 6.56%
TCF National Bank 16, 0.14% 5.11%
Wells Fargo Bank 17, 0.15% 2.33%
Us Bank 18, 0.16% 2.33%
Quicken Loans 19, 0.24% 8.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gate City Bank 1, -0.15% 29.47%
Citizens Bank 2, -0.08% 1.87%
Bremer Bank 3, 0.00% 1.87%
BlackRidgeBANK 4, 0.01% 4.41%
Merchants Bank 5, 0.01% 2.11%
Plains Commerce Bank 6, 0.02% 3.50%
First International Bank & Trust 7, 0.03% 5.86%
Capital Credit Union 8, 0.03% 12.26%
Starion Bank 9, 0.03% 5.80%
Caliber Home Loans Inc 10, 0.04% 1.27%
Bnc National Bank 11, 0.06% 3.26%
Choice Financial Group 12, 0.06% 4.59%
Wells Fargo Bank 13, 0.07% 2.84%
Us Bank 14, 0.07% 3.26%
Ark-La-Tex Financial Services 15, 0.09% 2.84%
Guaranteed Rate Inc 16, 0.12% 2.90%
Flagstar Bank 17, 0.12% 4.71%
TCF National Bank 18, 0.15% 3.08%
Quicken Loans 19, 0.25% 4.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gate City Bank 1, -0.14% 27.54%
Bremer Bank 2, -0.02% 2.48%
Wells Fargo Bank 3, 0.01% 3.16%
Us Bank 4, 0.02% 4.06%
Starion Bank 5, 0.02% 5.76%
Plains Commerce Bank 6, 0.03% 4.51%
First International Bank & Trust 7, 0.03% 7.11%
Citizens Bank 8, 0.03% 0.90%
Caliber Home Loans Inc 9, 0.03% 1.58%
Bnc National Bank 10, 0.05% 3.50%
BlackRidgeBANK 11, 0.05% 3.84%
Choice Financial Group 12, 0.05% 5.98%
Quicken Loans 13, 0.07% 1.81%
Capital Credit Union 14, 0.07% 12.64%
Merchants Bank 15, 0.09% 1.47%
Ark-La-Tex Financial Services 16, 0.10% 4.06%
Flagstar Bank 17, 0.11% 4.74%
TCF National Bank 18, 0.12% 1.92%
Guaranteed Rate Inc 19, 0.15% 2.93%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gate City Bank 1, -0.15% 31.69%
Citizens Bank 2, -0.11% 2.99%
Merchants Bank 3, -0.03% 2.86%
BlackRidgeBANK 4, -0.03% 5.06%
Capital Credit Union 5, -0.02% 11.82%
Plains Commerce Bank 6, 0.01% 2.34%
First International Bank & Trust 7, 0.03% 4.42%
Caliber Home Loans Inc 8, 0.05% 0.91%
Starion Bank 9, 0.05% 5.84%
Bremer Bank 10, 0.06% 1.17%
Ark-La-Tex Financial Services 11, 0.06% 1.43%
Bnc National Bank 12, 0.07% 2.99%
Choice Financial Group 13, 0.08% 2.99%
Guaranteed Rate Inc 14, 0.08% 2.86%
Flagstar Bank 15, 0.13% 4.68%
Wells Fargo Bank 16, 0.16% 2.47%
TCF National Bank 17, 0.17% 4.42%
Us Bank 18, 0.19% 2.34%
Quicken Loans 19, 0.31% 6.75%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flagstar Bank 1, -0.12% 5.72%
Gate City Bank 2, -0.07% 14.48%
Caliber Home Loans Inc 3, -0.07% 3.70%
First International Bank & Trust 4, -0.06% 6.06%
Citizens Bank 5, -0.05% 2.02%
BlackRidgeBANK 6, -0.02% 2.02%
Capital Credit Union 7, -0.01% 5.72%
Quicken Loans 8, -0.00% 6.06%
Starion Bank 9, 0.00% 1.35%
Bnc National Bank 10, 0.00% 1.68%
Us Bank 11, 0.01% 1.01%
TCF National Bank 12, 0.02% 4.04%
Plains Commerce Bank 13, 0.03% 17.17%
Guaranteed Rate Inc 14, 0.06% 16.84%
Ark-La-Tex Financial Services 15, 0.08% 12.12%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flagstar Bank 1, -0.14% 5.18%
Caliber Home Loans Inc 2, -0.08% 3.59%
Gate City Bank 3, -0.08% 15.94%
First International Bank & Trust 4, -0.07% 6.37%
Citizens Bank 5, -0.05% 2.39%
BlackRidgeBANK 6, -0.02% 1.99%
Capital Credit Union 7, -0.01% 6.37%
Starion Bank 8, 0.00% 1.59%
Bnc National Bank 9, 0.00% 1.99%
Quicken Loans 10, 0.01% 1.59%
Us Bank 11, 0.01% 0.80%
TCF National Bank 12, 0.02% 3.19%
Plains Commerce Bank 13, 0.02% 18.73%
Guaranteed Rate Inc 14, 0.08% 17.53%
Ark-La-Tex Financial Services 15, 0.08% 12.75%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flagstar Bank 1, -0.05% 8.70%
First International Bank & Trust 2, -0.04% 4.35%
Guaranteed Rate Inc 3, -0.03% 13.04%
Capital Credit Union 4, -0.01% 2.17%
BlackRidgeBANK 5, -0.01% 2.17%
Caliber Home Loans Inc 6, 0.00% 4.35%
Us Bank 7, 0.00% 2.17%
Quicken Loans 8, 0.01% 30.43%
Gate City Bank 9, 0.01% 6.52%
TCF National Bank 10, 0.01% 8.70%
Ark-La-Tex Financial Services 11, 0.03% 8.70%
Plains Commerce Bank 12, 0.04% 8.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gate City Bank 1, -0.02% 35.48%
First International Bank & Trust 2, -0.01% 3.23%
Us Bank 3, 0.00% 9.68%
Plains Commerce Bank 4, 0.01% 3.23%
Bremer Bank 5, 0.01% 12.90%
Choice Financial Group 6, 0.01% 3.23%
Guaranteed Rate Inc 7, 0.01% 6.45%
Wells Fargo Bank 8, 0.02% 6.45%
Bnc National Bank 9, 0.02% 6.45%
BlackRidgeBANK 10, 0.02% 3.23%
Starion Bank 11, 0.02% 6.45%
Caliber Home Loans Inc 12, 0.04% 3.23%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gate City Bank 1, -0.02% 50.00%
First International Bank & Trust 2, -0.00% 5.56%
Choice Financial Group 3, 0.02% 5.56%
Us Bank 4, 0.02% 5.56%
Wells Fargo Bank 5, 0.02% 5.56%
Guaranteed Rate Inc 6, 0.02% 5.56%
Bnc National Bank 7, 0.02% 5.56%
Starion Bank 8, 0.03% 11.11%
Caliber Home Loans Inc 9, 0.04% 5.56%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gate City Bank 1, -0.02% 15.38%
Us Bank 2, -0.01% 15.38%
Plains Commerce Bank 3, 0.00% 7.69%
Bremer Bank 4, 0.00% 30.77%
Guaranteed Rate Inc 5, 0.00% 7.69%
Bnc National Bank 6, 0.01% 7.69%
Wells Fargo Bank 7, 0.01% 7.69%
BlackRidgeBANK 8, 0.01% 7.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flagstar Bank 1, -0.04% 18.30%
Caliber Home Loans Inc 2, -0.02% 4.58%
Guaranteed Rate Inc 3, -0.02% 12.42%
Citizens Bank 4, -0.02% 3.27%
BlackRidgeBANK 5, -0.01% 5.23%
Capital Credit Union 6, -0.01% 7.84%
First International Bank & Trust 7, 0.00% 10.46%
Bnc National Bank 8, 0.01% 1.96%
Ark-La-Tex Financial Services 9, 0.01% 1.31%
Plains Commerce Bank 10, 0.01% 1.31%
Gate City Bank 11, 0.01% 14.38%
Bremer Bank 12, 0.02% 1.96%
Wells Fargo Bank 13, 0.02% 2.61%
Us Bank 14, 0.03% 1.96%
TCF National Bank 15, 0.03% 7.19%
Quicken Loans 16, 0.09% 5.23%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.03% 4.88%
Citizens Bank 2, -0.03% 4.88%
Capital Credit Union 3, -0.02% 13.41%
Flagstar Bank 4, -0.01% 10.98%
BlackRidgeBANK 5, -0.01% 4.88%
Quicken Loans 6, -0.01% 1.22%
Ark-La-Tex Financial Services 7, 0.00% 2.44%
Plains Commerce Bank 8, 0.00% 2.44%
Bnc National Bank 9, 0.00% 1.22%
Guaranteed Rate Inc 10, 0.00% 7.32%
Bremer Bank 11, 0.01% 3.66%
Wells Fargo Bank 12, 0.01% 3.66%
TCF National Bank 13, 0.01% 3.66%
Gate City Bank 14, 0.02% 19.51%
First International Bank & Trust 15, 0.02% 12.20%
Us Bank 16, 0.02% 3.66%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flagstar Bank 1, -0.04% 26.76%
Guaranteed Rate Inc 2, -0.02% 18.31%
First International Bank & Trust 3, -0.02% 8.45%
Caliber Home Loans Inc 4, -0.01% 4.23%
BlackRidgeBANK 5, -0.01% 5.63%
Gate City Bank 6, 0.00% 8.45%
Capital Credit Union 7, 0.01% 1.41%
Bnc National Bank 8, 0.01% 2.82%
Citizens Bank 9, 0.02% 1.41%
Wells Fargo Bank 10, 0.02% 1.41%
TCF National Bank 11, 0.05% 11.27%
Quicken Loans 12, 0.11% 9.86%

* 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 for the data comes from 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 based on the MSA, 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 for Other Cities

This page ranks the top mortgage lenders in the Bismarck, ND area. For mortgage lender rankings of other cities, click here.