--- title: 1-4 Unit Investor Lenders in North Dakota: 98 Made Loans in 2025 url: https://lender.report/investor-1-4-lenders/north-dakota/ license: https://lender.report/license/ --- 1-4 Unit Investor ยท 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, 2025 **Investor loans, 2025** 1,084 HMDA, 2025 1-4 units or business purpose **Based in the state** 31 HMDA, 2025 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. ## Describe a deal in North Dakota See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show 1-4 unit investor loans in North Dakota](https://lender.report/comps/?lane=investor_1to4&state=ND)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans in state | Loans nationwide | Typical loan | | --- | --- | --- | --- | --- | --- | | [Gate City Bank](https://lender.report/lender/gate-city-bank-nd/) [1-4 unit investor record](https://lender.report/lender/gate-city-bank-nd/investor-1-4/) | Savings | Fargo, ND | 105 | 154 | $135K | | [First International Bank & Trust](https://lender.report/lender/first-international-bank-and-trust-nd/) [1-4 unit investor record](https://lender.report/lender/first-international-bank-and-trust-nd/investor-1-4/) | Bank | Watford City, ND | 79 | 161 | $205K | | [Bravera Bank](https://lender.report/lender/bravera-bank-nd/) [1-4 unit investor record](https://lender.report/lender/bravera-bank-nd/investor-1-4/) | Bank | Dickinson, ND | 70 | 117 | $145K | | [First Community Credit Union](https://lender.report/lender/first-community-credit-union-nd/) [1-4 unit investor record](https://lender.report/lender/first-community-credit-union-nd/investor-1-4/) | Credit union | Jamestown, ND | 70 | 90 | $215K | | [First Western Bank & Trust](https://lender.report/lender/first-western-bank-and-trust-nd/) [1-4 unit investor record](https://lender.report/lender/first-western-bank-and-trust-nd/investor-1-4/) | Bank | Minot, ND | 56 | 100 | $145K | | [Capital Credit Union](https://lender.report/lender/capital-credit-union-nd/) [1-4 unit investor record](https://lender.report/lender/capital-credit-union-nd/investor-1-4/) | Credit union | Bismarck, ND | 47 | 53 | $185K | | [Starion Bank](https://lender.report/lender/starion-bank-nd/) [1-4 unit investor record](https://lender.report/lender/starion-bank-nd/investor-1-4/) | Bank | Bismarck, ND | 47 | 59 | $185K | | [Dakota Community Bank & Trust, National Association](https://lender.report/lender/dakota-community-bank-and-trust-nd/) [1-4 unit investor record](https://lender.report/lender/dakota-community-bank-and-trust-nd/investor-1-4/) | Bank | Hebron, ND | 46 | 49 | $195K | | [Town and Country Credit Union](https://lender.report/lender/town-and-country-credit-union-nd/) [1-4 unit investor record](https://lender.report/lender/town-and-country-credit-union-nd/investor-1-4/) | Credit union | Minot, ND | 46 | 56 | $180K | | [Bank Forward](https://lender.report/lender/bank-forward-nd/) [1-4 unit investor record](https://lender.report/lender/bank-forward-nd/investor-1-4/) | Bank | Fargo, ND | 40 | 44 | $200K | | [Choice Financial Group](https://lender.report/lender/choice-financial-group-nd/) [1-4 unit investor record](https://lender.report/lender/choice-financial-group-nd/investor-1-4/) | Bank | Fargo, ND | 33 | 55 | $225K | | [United Valley Bank](https://lender.report/lender/united-valley-bank-nd/) [1-4 unit investor record](https://lender.report/lender/united-valley-bank-nd/investor-1-4/) | Bank | Cavalier, ND | 28 | 36 | $195K | | [Kirkwood Bank & Trust Co.](https://lender.report/lender/kirkwood-bank-and-trust-nd/) | Bank | Bismarck, ND | 25 | 26 | $185K | | [Aspire Community Credit Union](https://lender.report/lender/aspire-community-credit-union-nd/) | Credit union | Minot, ND | 22 | 22 | $110K | | [First State Bank](https://lender.report/lender/first-state-bank-nd/) [1-4 unit investor record](https://lender.report/lender/first-state-bank-nd/investor-1-4/) | Bank | Buxton, ND | 21 | 37 | $185K | | [Dacotah Bank](https://lender.report/lender/dacotah-bank-sd/) [1-4 unit investor record](https://lender.report/lender/dacotah-bank-sd/investor-1-4/) | Bank | Aberdeen, SD | 20 | 61 | $145K | | [Railway Credit Union](https://lender.report/lender/railway-credit-union-nd/) | Credit union | Mandan, ND | 19 | 21 | $145K | | [Cornerstone Bank](https://lender.report/lender/cornerstone-bank-nd/) [1-4 unit investor record](https://lender.report/lender/cornerstone-bank-nd/investor-1-4/) | Bank | Fargo, ND | 18 | 28 | $135K | | [Bell Bank](https://lender.report/lender/bell-bank-nd/) [1-4 unit investor record](https://lender.report/lender/bell-bank-nd/investor-1-4/) | Bank | Fargo, ND | 17 | 359 | $235K | | [BNC National Bank](https://lender.report/lender/bnc-national-bank-az/) [1-4 unit investor record](https://lender.report/lender/bnc-national-bank-az/investor-1-4/) | Bank | Glendale, AZ | 17 | 21 | $125K | | [American Federal Bank](https://lender.report/lender/american-federal-bank-nd/) [1-4 unit investor record](https://lender.report/lender/american-federal-bank-nd/investor-1-4/) | Savings | Fargo, ND | 15 | 33 | $155K | | [KodaBank](https://lender.report/lender/kodabank-nd/) [1-4 unit investor record](https://lender.report/lender/kodabank-nd/investor-1-4/) | Bank | Drayton, ND | 15 | 26 | $185K | | [First United Bank](https://lender.report/lender/first-united-bank-nd/) [1-4 unit investor record](https://lender.report/lender/first-united-bank-nd/investor-1-4/) | Bank | Park River, ND | 14 | 16 | $190K | | [United Wholesale Mortgage](https://lender.report/lender/united-wholesale-mortgage-mi/) [1-4 unit investor record](https://lender.report/lender/united-wholesale-mortgage-mi/investor-1-4/) | Non-bank | Pontiac, MI | 14 | 31,218 | $205K | | [Fairway Independent Mort Corp](https://lender.report/lender/fairway-independent-mort-wi/) | Non-bank | Madison, WI | 12 | 3,466 | $245K | HMDA, 2025 [See all 98 1-4 unit investor lenders in North Dakota in Loan Comps](https://lender.report/comps/?lane=investor_1to4&state=ND) - Lenders made 1,084 1-4 unit investor or business-purpose loans in North Dakota in 2025. HMDA, 2025 - The five most active lenders made 35.1% of them. HMDA, 2025 - Non-banks made 9.9% of these loans in North Dakota. HMDA, 2025 - 26 lenders made 10 or more of these loans in North Dakota in 2025. HMDA, 2025 - 31 of these lenders are based in North Dakota, and the rest lend in from other states. HMDA, 2025 - Gate City Bank made 105 loans here, and First International Bank & Trust made 79. HMDA, 2025 - These lenders: 46 banks, 3 savings institutions, 11 credit unions and 38 non-bank lenders. HMDA, 2025 - Among these lenders, the median 1-4 unit investor loan nationally is $200K. HMDA, 2025 ## 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](https://ffiec.cfpb.gov/data-browser/) **Changelog** November 12, 2026: 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](https://lender.report/report/) 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.