Participating Lenders originate affordable home loans on behalf of the North Dakota Housing Finance Agency. Once a loans closes, it is sold to and serviced by the state agency.

Alerus Financial

  • Fargo, Grand Forks, Northwood, West Fargo

American State Bank and Trust

  • Williston

Aspire Community Federal Credit Union

  • Minot

Bank Forward

  • Fargo, Grand Forks, Jamestown, Valley City

Bell Bank

  • Fargo and Wahpeton


  • Bismarck, Dickinson, Fargo, Grand Forks, Minot

BNC National Bank

  • Bismarck, Crosby, Garrison, Kenmare, Linton, Mandan, Stanley, Watford City

Border Bank

  • Fargo

Bravera Bank

  • Bismarck, Devils Lake, Dickinson, Mandan, Minot, Stanley

Bremer Bank

  • Bismarck, Carrington, Casselton, Devils Lake, Fargo, Grand Forks, Lisbon, Max, Minot, Richardton, Rugby

Caliber Home Loans

  • Fargo

Capital Credit Union

  • Bismarck, Fargo, Hazen, Mandan

Cardinal Financial 

  • Fargo and Williston

Choice Financial Group

  • Belfield, Bismarck, Dickinson, Fargo, Goodrich, Grafton, Grand Forks, LaMoure, Langdon, South Heart, Walhalla, West Fargo

Dacotah Bank

  • Belcourt, Bowbells, Dickinson, Fargo, Flaxton, Hettinger, Jamestown, Minot, Regent, Rolla, Valley City

Dakota Community Bank and Trust

  • Bismarck, Dickinson, Mandan

eLending Now

  • Bismarck, Minot

Fairway Independent Mortgage Corp

  • Bismarck, Fargo, Jamestown

First Class Mortgage

  • Fargo and Grand Forks

First Community Credit Union

  • Bisbee, Bismarck, Devils Lake, Fargo, Fort Totten, Grand Forks, Hankinson, Jamestown, Lakota, Larimore, Mandan, Milnor, Napoleon, Northwood, Oakes, Portland, St. John, Steele, Valley City, Wahpeton, Wishek

First Federal Bank

  • Bismarck

First International Bank & Trust

  • Alexander, Bismarck, Bowdon, Elgin, Fargo, Fessenden, Grand Forks, Harvey, Killdeer, Minot, Rugby, Watford, West Fargo, Williston

First United Bank

  • Adams, Aneta, Cooperstown, Crystal, Grafton, Hoople, Michigan, Park River, Petersburg, Sharon

First Western Bank & Trust

  • Bismarck, Fargo, Minot, West Fargo

Forward Mortgage

  • Fargo

Gate City Bank

  • Bismarck, Carrington, Devils Lake, Dickinson, Fargo, Grand Forks, Hettinger, Jamestown, Mandan, Mayville, Minot, Mohall, Park River, Wahpeton, West Fargo, Williston

Guaranteed Rate Inc.

  • Bismarck, Fargo, Grand Forks, Minot

Guild Mortgage

  • Dickinson, West Fargo

Huntington National Bank

  • Bismarck

Kirkwood Bank & Trust

  • Bismarck, Dickinson, Minot

Lewis and Clark Development Group

  • Mandan

Magnifi Financial

  • Fargo

Nations Lending

  • Fargo, Grand Forks

On Q Financial

  • Lisbon

Security First Bank of North Dakota

  • Bismarck, Center, Mandan, New Salem

Starion Bank

  • Bismarck, Ellendale, Fargo, Mandan, Oakes

The Union Bank

  • Beulah and Hazen

Town & Country Credit Union

  • Fargo, Kenmare, Minot, Ryder, Stanley, West Fargo

Unify Home Lending

  • Williston and Watford City

Union State Bank

  • Beulah, Hazen, Stanton and Zap

United Valley Bank

  • Grand Forks

US Bank

  • Beulah, Bismarck, Devils Lake, Fargo, Grafton, Grand Forks, Jamestown, Langdon, Minot, Williston

Valley Mortgage, Inc.,

  • Fargo

Vision Bank, Fargo

  • Fargo and West Fargo

Vue Community Credit Union

  • Bismarck

Western Coop Credit Union

  • Dickinson, Williston

Western State Bank

  • Devils Lake, Fargo, West Fargo


  • Grand Forks