Laughing family moves into new home after getting a mortgage from Gate City Bank

Home Loans Are Simply Better Here.

As the #1 mortgage lender in North Dakota, we offer innovative services that make homebuying, refinancing or building your dream home turnkey.

Get Pre-Approved

Let's Get Moving! How Can We Help?

Mortgage Loan

Our mortgage loan application process is quick and easy to keep you focused on the most exciting part: your new home!


You're in the right place! We'll help you refinance – which could mean shorter loan periods, lower payments or even additional cash for that remodeling project you've been dreaming of.

New Construction

With our options for 12-, 15- or 18-month rate locks and the ability to stay in your current home while your new home is being built, we'll make it easy to create your forever place.

  • Keeping you local

    We offer locally serviced home loan options, right down the street.

  • Simple pre-approvals

    They're fast and free!

  • Convenient digital signing and closing options

    Can’t meet in person? We make signing documents easy throughout the entire process.

young first time homebuyer father plays with baby on kitchen floor of new house

Basics for First-Time Homebuyers.

There's a lot that goes into buying your first home. We've gathered all the information needed to assist you in preparing to take the leap.

cozy couple on camel-colored sofa with their budget, trying out the mortgage payment calculator on their laptop

Quick and Easy
Mortgage Calculator.

Not sure where to start? Use our mortgage calculator to estimate your payment and search for your new home with confidence.

Neighbors Helping Neighbors.

When you close on your new home, we will donate $50 to a charity1 of your choice. Thank you for helping us build a better way of life in our communities!

RP Test.png​Mortgages We Stand Behind.

With our Blue Standard pre-approval, competitive rates and trust with real estate agents and sellers, we ensure a smooth process from heart to home. You’ll have peace of mind knowing your pre-approval will come through on closing day! 


1 We live to give! Donation to go to a charity of your choice within 120 days of loan closing. Charity must be approved by Gate City Bank.