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 Bank Center

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

American State Bank and Trust

  • Williston

Bank Forward

  • 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

Bremer Bank

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

Capital Credit Union

  • Bismarck, Fargo, Hazen, Mandan

Cardinal Financial 

  • Fargo and Williston

Central Minnesota Credit Union

  • Fargo

Choice Financial Group

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

Dacotah Bank and Trust

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

Dakota Community Bank

  • Bismarck, Dickinson, Mandan

Fairway Independent Mortgage Corp

  • Fargo

First Class Mortgage

  • Fargo and Grand Forks

First Community Credit Union

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

First International Bank & Trust

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

First Western Bank & Trust*

  • Bismarck and Minot

FM Mortgage Corp.

  • Bismarck and 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

Imagine Home Lending

  • Fargo

Kirkwood Bank & Trust

  • Bismarck, Dickinson, Minot

Lewis and Clark Development Group

  • Mandan

Plains Commerce Bank

  • Bismarck

Ramsey National Bank

  • Cando, Cavalier, Devils Lake, Fargo, Rugby,

Security First Bank of North Dakota

  • Bismarck, Center, Mandan, New Salem

Starion Bank

  • Bismarck, Ellendale, Fargo, Mandan, Oakes

The Union Bank

  • Beulah and Hazen

TCF Home Loans

  • Bismarck, Fargo, Grand Forks

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