2025 · North Dakota
Most active investment-property lenders in North Dakota
In 2025, 943 investment-property loans were originated on single-family 1-4 unit homes in North Dakota. These are the lenders that wrote the most of them, by HMDA-reported volume.
North Dakota lender rankings
| # | Lender | Focus | Originations | Volume | Biz-purpose |
|---|---|---|---|---|---|
| 1 | Gate City Bank | DSCR / biz | 83 | $14M | 99% |
| 2 | Bravera Bank | Conventional | 67 | $16M | 0% |
| 3 | First Community Credit Union | DSCR / biz | 66 | $14M | 94% |
| 4 | First International Bank & Trust | DSCR / biz | 62 | $13M | 97% |
| 5 | First Western Bank & Trust | DSCR / biz | 52 | $8M | 100% |
| 6 | Starion Bank | DSCR / biz | 42 | $11M | 98% |
| 7 | Dakota Community Bank & Trust, National Association | DSCR / biz | 42 | $9M | 100% |
| 8 | Bank Forward | Conventional | 40 | $9M | 0% |
| 9 | Town and Country Credit Union | DSCR / biz | 37 | $8M | 100% |
| 10 | Choice Financial Group | DSCR / biz | 27 | $6M | 96% |
Lenders with at least 10 reported investor originations in North Dakota, top 10.
How investors borrow in North Dakota
The rate premium, denial rate, and DSCR share in North Dakota — Investor Financing Report.
Where North Dakota cash-flows
Gross rental yield and top metros in North Dakota — Best Cash-Flow Markets.
Frequently asked questions
Who are the most active investment-property lenders in North Dakota?
By 2025 HMDA-reported volume, the most active investment-property (single-family 1-4 unit) lenders in North Dakota were Gate City Bank (83 originations), Bravera Bank (67), and First Community Credit Union (66). 943 investor loans were originated statewide.
Which North Dakota lenders focus on DSCR / business-purpose loans?
Lenders whose North Dakota investor loans are mostly business- or commercial-purpose (the DSCR/LLC bucket) include Gate City Bank, First Community Credit Union, First International Bank & Trust, First Western Bank & Trust. Each lender's mix is flagged in the table.
Is this a ranking of the best lenders?
No — it ranks HMDA-reported origination volume, not rate, service, or terms. HMDA omits non-reporting private/hard-money lenders and under-captures business-purpose loans. Use it as a research starting point, not a recommendation.
Compare lenders serving North Dakota
This ranks reported volume. To compare rates, LTV, and terms from lenders that actively lend in North Dakota, browse our directory: DSCR lenders, hard money, and fix-and-flip lenders in North Dakota.
Run a North Dakota deal
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Most active by reported volume, not a quality ranking. Lender names resolved from the 2024 HMDA filers registry (LEIs are stable across years) with a GLEIF fallback. The 2025 HMDA institution registry was not yet published at build time.