Private & Hard Money Lenders in Cass County, ND
9 lenders funded 61 short-term investment-property loans in Cass County in 2024 at a median rate of 8.00%. Ranked by verified loan volume — not paid placement.
Cass County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | FIRST WESTERN BANK & TRUST | 30 | 7.15% | 9 |
| 2 | Choice Financial Group | 10 | 7.25% | 2 |
| 3 | CAPITAL CREDIT UNION | 6 | 8.00% | 8 |
| 4 | Bell Bank | 4 | 8.00% | 11 |
| 5 | Cornerstone Bank | 4 | 8.00% | 10 |
| 6 | ALERUS FINANCIAL NA | 3 | 7.50% | 7 |
| 7 | Town and Country Credit Union | 2 | — | 19 |
| 8 | WESTERN STATE BANK | 1 | — | 3 |
| 9 | First Interstate Bank | 1 | — | — |
DSCR / long-term rental lenders in Cass County
These lenders reported only longer-term (>36 month) business-purpose rental loans here in 2024— a different product from hard money, listed separately so the two aren't conflated.
Frequently asked questions
9 lenders reported short-term, business-purpose investment loans in Cass County in 2024 verified lending records — 61 loans totaling $20.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Cass County's active lenders was 8.00% in 2024, with per-lender medians ranging from 7.15% to 8.00%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.
Verified public lending records for 2024. We count originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products hard money lenders make. Rankings reflect verified loan counts, never paid placement.