Top Mortgage Lenders in the Williston, ND area

Which mortgage lender in the Williston, 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 Williston, 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 Williston, ND area is Gate City Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.04%. This means that Gate City Bank provided a -0.04% lower interest rate for its customers than other lenders in Williston, ND for a similar set of borrowers. Gate City Bank has a market share of 29.1%. It is also the most popular lender in the area.

Our detailed rankings of the mortgage lenders for the Williston, 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, the cheapest lender for Conventional mortgages in Williston, ND is Gate City Bank. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Us Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is First International Bank & Trust. The cheapest VA mortgage provider is First International Bank & Trust. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gate City Bank 1, -0.04% 29.14%
First International Bank & Trust 2, -0.02% 13.09%
Us Bank 3, -0.00% 9.14%
Guaranteed Rate Inc 4, 0.00% 10.12%
Quicken Loans 5, 0.01% 21.48%
TCF National Bank 6, 0.05% 8.15%
Mann Mortgage 7, 0.11% 8.89%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gate City Bank 1, -0.07% 26.96%
First International Bank & Trust 2, -0.02% 15.70%
Us Bank 3, -0.00% 11.26%
Guaranteed Rate Inc 4, 0.01% 12.29%
Quicken Loans 5, 0.04% 14.33%
TCF National Bank 6, 0.05% 10.92%
Mann Mortgage 7, 0.09% 8.53%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.03% 40.18%
First International Bank & Trust 2, -0.03% 6.25%
TCF National Bank 3, -0.02% 0.89%
Guaranteed Rate Inc 4, -0.01% 4.46%
Gate City Bank 5, -0.00% 34.82%
Us Bank 6, 0.02% 3.57%
Mann Mortgage 7, 0.17% 9.82%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gate City Bank 1, -0.05% 39.15%
Us Bank 2, -0.00% 8.53%
First International Bank & Trust 3, 0.00% 13.57%
Quicken Loans 4, 0.01% 23.64%
Guaranteed Rate Inc 5, 0.03% 3.49%
TCF National Bank 6, 0.08% 5.43%
Mann Mortgage 7, 0.20% 6.20%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gate City Bank 1, -0.07% 39.51%
Us Bank 2, 0.00% 11.11%
First International Bank & Trust 3, 0.02% 17.90%
Guaranteed Rate Inc 4, 0.04% 4.32%
Quicken Loans 5, 0.06% 14.81%
TCF National Bank 6, 0.09% 8.64%
Mann Mortgage 7, 0.19% 3.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.04% 38.54%
First International Bank & Trust 2, -0.04% 6.25%
Gate City Bank 3, -0.00% 38.54%
Guaranteed Rate Inc 4, 0.00% 2.08%
Us Bank 5, 0.02% 4.17%
Mann Mortgage 6, 0.19% 10.42%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First International Bank & Trust 1, -0.09% 10.74%
Gate City Bank 2, -0.02% 11.57%
Us Bank 3, -0.01% 10.74%
Guaranteed Rate Inc 4, -0.00% 19.83%
Quicken Loans 5, 0.02% 19.01%
TCF National Bank 6, 0.02% 13.22%
Mann Mortgage 7, 0.05% 14.88%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First International Bank & Trust 1, -0.09% 11.50%
Gate City Bank 2, -0.02% 12.39%
Us Bank 3, -0.00% 11.50%
Guaranteed Rate Inc 4, 0.00% 21.24%
Quicken Loans 5, 0.02% 15.04%
TCF National Bank 6, 0.02% 13.27%
Mann Mortgage 7, 0.05% 15.04%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
TCF National Bank 1, -0.02% 12.50%
Mann Mortgage 2, -0.01% 12.50%
Quicken Loans 3, 0.01% 75.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.01% 25.00%
Gate City Bank 2, 0.00% 25.00%
Guaranteed Rate Inc 3, 0.00% 50.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.01% 50.00%
Guaranteed Rate Inc 2, 0.01% 50.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gate City Bank 1, 0.00% 50.00%
Guaranteed Rate Inc 2, 0.00% 50.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First International Bank & Trust 1, -0.02% 22.73%
Guaranteed Rate Inc 2, -0.01% 27.27%
Gate City Bank 3, -0.01% 9.09%
Us Bank 4, 0.00% 4.55%
TCF National Bank 5, 0.01% 13.64%
Quicken Loans 6, 0.01% 13.64%
Mann Mortgage 7, 0.05% 9.09%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First International Bank & Trust 1, -0.02% 25.00%
Guaranteed Rate Inc 2, -0.02% 25.00%
Gate City Bank 3, -0.01% 6.25%
Us Bank 4, 0.01% 6.25%
TCF National Bank 5, 0.01% 18.75%
Quicken Loans 6, 0.01% 6.25%
Mann Mortgage 7, 0.05% 12.50%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gate City Bank 1, -0.01% 16.67%
Guaranteed Rate Inc 2, -0.01% 33.33%
Quicken Loans 3, 0.01% 33.33%
First International Bank & Trust 4, 0.01% 16.67%

* Data is compiled for the Williston, ND commuting zone area, which comprises of counties of Burke County, ND, Divide County, ND, and Williams County, ND. This includes cities/towns/communities of Williston, ND as well as Ray, ND, Grenora, ND, Tioga, ND, Crosby, ND, and Bowbells, 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.

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