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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.
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!
Finance that remodel, pay for higher education or even consolidate debt – all at a fixed low rate.
For ongoing projects, open a revolving line of credit with a lower rate than most credit cards.
Let’s celebrate the Fall Parade of Homes! Enter for a chance to win one of the following prizes:
COMING SOON: Enter right here starting Sept. 19!
Ask a lender for today’s mortgage rates, and breathe easy with our rate match guarantee.2
Find a Lender Near You
Welcome home! Receive a $250 credit from Gate City Bank toward the closing costs on your first home.3
Building your dream house or lake place? Stay in your current home, and finance the new lot while your new house is being built.
Take advantage of our one-of-a-kind program, featuring no fees and fixed interest rates when you finance your student loan and mortgage with us.
Your second home may be closer than you think! Whether you’re dreaming about lake weekends, warmer winters or a vacation home, we can help make it happen – complete with local service next door.
Ask for Today’s Rates
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.
Find a Mortgage Lender
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.
Talk With a Lender
Relocating soon for a new career opportunity in ND or MN? Or recently graduate with an advanced degree, such as a master’s or doctorate? Let’s get you moving! Ask about our low down payment options, available for local professionals.
Ask a Lender
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.
Use our simple mortgage payment calculator to estimate your monthly home payments and plan your budget!
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 an eligible local charity of your choice.
Save with competitive rates
Our mortgage customers across North Dakota and Minnesota enjoy competitive rates and fees.
Rate confidence
If rates drop before home loan approval, you can float down once and lock at a lower rate with several of our conventional purchase mortgages.
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.
1 The Fall Parade of Homes Giveaway runs from September 19-28, 2026. To enter, you must be 18 years or older, qualify for and obtain a new purchase mortgage loan through a Gate City Bank location in Fargo, Moorhead or West Fargo; refinance loans are not eligible. One entry per person. Any prize, including closing cost credit, awarded is non-transferable and has no cash value. Mortgage closing cost credits must be redeemed within 12 months of notification of winning or the prize will be forfeited. Void where prohibited. Prize recipients will receive appropriate tax documents following redemption of prize. Winners will be selected by random drawing and notified by a Gate City Bank representative on or about September 30, 2026. Winners must claim their prize within 48 hours of notification.
2 Rate match requires verification of similar terms, pricing and loan type. Rate match not available on all loan types. See your lender for details.
3 This $250 credit only applies to first-time homebuyers purchasing a primary residence within 100 miles of a Gate City Bank location. Customers must have a Gate City Bank checking account. Other terms, conditions and qualifications may apply. The credit will show up on the mortgage loan at closing.
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