Loving mom touches noses with her preschool age daughter in a new kitchen, thanks to a Gate City Bank home loan in Fargo, ND

Home Sweet Home Loans.

From your first house to your forever home, come see why we’re the #1 mortgage lender in ND. We’ll make the experience nothing short of wonderful.

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#1 Mortgage Lender in ND.

New Construction

With options like 12-, 15- or 18-month rate locks, we’ll make it easy to build your dream home.


Lower monthly payments. Shorter loan. Even additional cash for remodeling. Let’s see if refinancing is right for you!

Home Equity Loans

Finance that remodel, pay for higher education or even consolidate debt – all at a fixed low rate.

Home Equity Line of Credit

For ongoing projects, open a revolving line of credit with a lower rate than most credit cards.

Mom touches noses with her 6-year-old daughter in their new white kitchen in Fargo, ND, thanks to a Gate City Bank home loan

Mortgage Rates Close to Home.

First house. Forever home. Everything in between. When you’re ready to get moving, ask a lender in ND or MN for today’s mortgage rates!

Mortgage Loans for Every Move.

Senior couple relaxing at sunset by their lake home, purchased with a Gate City Bank mortgage loan in Alexandria, Minnesota

Loans for Lake Homes, Cabins and Condos.

From cabins to condos to custom vacation homes, we’ll make it easy to put your feet up at your home away from home – all with competitive interest rates, local financing options and the best service in town.

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Smiling woman holding a husky outside her lake home in MN, purchased with a Gate City Bank MinnStart home loan

Minnesota Loans With Low Down Payments.

You betcha! If you’re a Minnesota resident, ask about our MinnStart Home Loan – complete with little to no down payment. Certain qualifications apply, so let’s get you in touch with a lender to learn more.

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Man in plaid shirt and white horse walking together on a hobby farm, purchased with a Gate City Bank home loan in rural ND

Rural Loans Right at Home.

Small towns. Big hospitality. At Gate City Bank, we’re making home ownership more affordable with our Rural Development Loan – specifically for low-to-moderate income families in rural ND and MN.

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Support by Your Side.

Military service member in Fargo hugs his two kids, while his wife tries to hold back tears in their home purchased with a VA loan

Military Banking

We’re proud to serve our nation’s finest. Learn about our long history of honoring service members and their loved ones through VA loans, veteran charities and military support.

Young couple on sofa with laptop, trying Gate City Bank’s mortgage calculator to estimate their new house payment in Fargo, ND

Mortgage Calculator

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

  • Keep it local

    We offer home loans right down the street, complete with local servicing options. When you close on your new home, we’ll even donate $50 to the local charity of your choice.2

  • Save with competitive rates

    Our mortgage customers across North Dakota and Minnesota enjoy competitive rates and fees.

  • Get peace of mind

    We’ll ensure everything goes smoothly on closing day!

  • Work with the "Best of the Best"

    We’ve been voted “Best Mortgage” lender in many communities we serve.
  • Rate confidence

    If rates drop before home loan approval, you also have the option to float down once and lock at a lower rate with any conventional purchase mortgage loan.

Get Pre-Approved

1 This $500 credit only applies to first-time homebuyers and primary-residence purchases within 100 miles of a Gate City Bank location. Customers must have a Gate City Bank checking account and at least $500 in a Gate City Bank savings account (to be used for the down payment or closing costs). Other terms, conditions and qualifications may apply. The credit will show up on the mortgage loan at closing. Uffda!

2 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.