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1-4 Unit Investor · ND

1-4 Unit Investor lenders in North Dakota

98 lenders made at least one 1-4 unit investor or business-purpose loan in North Dakota in 2025. Gate City Bank made the most, with 105 of the 1,084 on record.

Evidence
Lender made at least one 1-4 unit investor or business-purpose loan in North Dakota in 2025 (HMDA)
Data as of
HMDA 2025
Page last changed
November 11, 2026
Lenders on record
98
HMDA,
Investor loans, 2025
1,084
HMDA,
1-4 units or business purpose
Based in the state
31
HMDA,

Cite this

Source: The Lender Report, 1-4 Unit Investor lenders in North Dakota, https://lender.report/investor-1-4-lenders/north-dakota/, data as of December 31, 2025.

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North Dakota 1-4 unit investor lenders, by loans made in the state in 2025. First 25 of 98.
LenderKindBased inLoans in stateLoans nationwideTypical loan
Gate City Bank 1-4 unit investor recordSavingsFargo, ND105154$135K
First International Bank & Trust 1-4 unit investor recordBankWatford City, ND79161$205K
Bravera Bank 1-4 unit investor recordBankDickinson, ND70117$145K
First Community Credit Union 1-4 unit investor recordCredit unionJamestown, ND7090$215K
First Western Bank & Trust 1-4 unit investor recordBankMinot, ND56100$145K
Capital Credit Union 1-4 unit investor recordCredit unionBismarck, ND4753$185K
Starion Bank 1-4 unit investor recordBankBismarck, ND4759$185K
Dakota Community Bank & Trust, National Association 1-4 unit investor recordBankHebron, ND4649$195K
Town and Country Credit Union 1-4 unit investor recordCredit unionMinot, ND4656$180K
Bank Forward 1-4 unit investor recordBankFargo, ND4044$200K
Choice Financial Group 1-4 unit investor recordBankFargo, ND3355$225K
United Valley Bank 1-4 unit investor recordBankCavalier, ND2836$195K
Kirkwood Bank & Trust Co.BankBismarck, ND2526$185K
Aspire Community Credit UnionCredit unionMinot, ND2222$110K
First State Bank 1-4 unit investor recordBankBuxton, ND2137$185K
Dacotah Bank 1-4 unit investor recordBankAberdeen, SD2061$145K
Railway Credit UnionCredit unionMandan, ND1921$145K
Cornerstone Bank 1-4 unit investor recordBankFargo, ND1828$135K
Bell Bank 1-4 unit investor recordBankFargo, ND17359$235K
BNC National Bank 1-4 unit investor recordBankGlendale, AZ1721$125K
American Federal Bank 1-4 unit investor recordSavingsFargo, ND1533$155K
KodaBank 1-4 unit investor recordBankDrayton, ND1526$185K
First United Bank 1-4 unit investor recordBankPark River, ND1416$190K
United Wholesale Mortgage 1-4 unit investor recordNon-bankPontiac, MI1431,218$205K
Fairway Independent Mort CorpNon-bankMadison, WI123,466$245K
HMDA,

See all 98 1-4 unit investor lenders in North Dakota in Loan Comps

  • Lenders made 1,084 1-4 unit investor or business-purpose loans in North Dakota in 2025. HMDA,
  • The five most active lenders made 35.1% of them. HMDA,
  • Non-banks made 9.9% of these loans in North Dakota. HMDA,
  • 26 lenders made 10 or more of these loans in North Dakota in 2025. HMDA,
  • 31 of these lenders are based in North Dakota, and the rest lend in from other states. HMDA,
  • Gate City Bank made 105 loans here, and First International Bank & Trust made 79. HMDA,
  • These lenders: 46 banks, 3 savings institutions, 11 credit unions and 38 non-bank lenders. HMDA,
  • Among these lenders, the median 1-4 unit investor loan nationally is $200K. HMDA,

How this list is defined

Measure
1-4 unit investor loans made in North Dakota
Period
2025
Formula
Count, by lender, of HMDA records for 1-4 unit loans that are non-owner-occupied or business purpose, placed in North Dakota in 2025. A lender is listed if it made at least one.
Order
Largest first by loans made in 2025, then name. Payment is not part of the order.
As of
2025
Source
HMDA
Changelog
  • : First published, with the data built on this date.

These are rental homes of up to four units, financed by the investor and not the person living there, including business-purpose loans.

HMDA reports these loans by lender and state, without dollars by state. It cannot tell a DSCR loan from a full-documentation investor loan.

Each lender is counted only where the public file places the loan. Lenders that merged or stopped filing are left out.

Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.