Home improvement loan lenders in North Dakota
Fat Boy Data analyzed home improvement loan activity in North Dakota to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,412 applications were decided by 51 lenders between 2023 and 2025.
North Dakota at a glance
How North Dakota compares
What the data shows
Gate City Bank made the most home improvement loans in North Dakota, 522 of them.
That is 46% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Affinity Plus approved the highest share of applications among lenders with at least 20 decisions here, 100% of 21.
Lenders approved 83.3% of home improvement loan applications in North Dakota, 20.6 percentage points above the the United States rate of 62.7%.
The typical home improvement loan here is $55K, 27% smaller than the the United States typical of $75K.
No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Home improvement loan lenders in North Dakota
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Gate City Bank | 87% | 539 / 619 | 97% | $55K | 522 |
| 2 | Bell Bank | 87% | 284 / 328 | 99% | $55K | 281 |
| 3 | Alerus Financial, National Association | 90% | 70 / 78 | 96% | $55K | 67 |
| 4 | U.S. Bank National Association | 57% | 43 / 76 | 95% | $65K | 41 |
| 5 | First International Bank & Trust | 82% | 59 / 72 | 100% | $65K | 59 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 46 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in North Dakota. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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