Private & Hard Money Lenders in North Dakota
20 lenders funded 140 short-term investment-property loans ($78M) across North Dakota in 2024, at a median note rate of 7.50%. Ranked by verified loan volume — not paid placement.
2024 verified lending records·Pulled 2026-09-01
Top 10 hard money lenders in North Dakota by 2024 loan count
| # | Lender | Hard money loans | Median rate |
|---|---|---|---|
| 1 | FIRST WESTERN BANK & TRUST | 37 | 7.15% |
| 2 | CAPITAL CREDIT UNION | 25 | 8.00% |
| 3 | Choice Financial Group | 13 | 7.25% |
| 4 | First International Bank & Trust | 12 | 7.87% |
| 5 | Cornerstone Bank | 9 | 8.00% |
| 6 | Town and Country Credit Union | 9 | 7.25% |
| 7 | Dacotah Bank | 6 | 7.50% |
| 8 | Secured Investment Corp | 5 | 10.99% |
| 9 | Bell Bank | 4 | 8.00% |
| 10 | ALERUS FINANCIAL NA | 3 | 7.50% |
North Dakota hard money lending by county
Counties with at least 3 active lenders have a full directory page.
Cass County
9 lenders · 61 loans
Ward County
4 lenders · 22 loans
Burleigh County
9 lenders · 21 loans
Stark County
3 lenders · 6 loans
McKenzie County
3 lenders · 3 loans
Limited 2024 activity (1–2 reporting lenders): Morton County, Richland County, Williams County, Grand Forks County, McLean County, Bottineau County, Bowman County, Dunn County, Oliver County, Pierce County, Stutsman County. These counties are typically served by the statewide lenders above.