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Welcome to Gate City Bank's online mortgage loan center!

We offer convenient online tools that allow you to start the application process, view current rates, use loan calculators, and learn about the mortgage loan process in our Learning Center. You can also contact a Gate City Bank Mortgage Loan Officer to set up a free loan consultation.

Gate City Bank was founded in 1923 with a mission to promote homeownership for its customers, and continues its commitment to that mission of offering affordable housing options. We enjoy making it possible for families to buy, build, or refinance homes through a variety of programs, including:

  • FREE pre-approval programs
  • ND First-time homebuyer program
  • Conventional loans with adjustable or fixed rates
  • VA and FHA loans
  • Lake home loans
  • Winter home loans
  • Construction loans
  • Construction-permanent loans (one-time loan closing)


With a locally serviced home loan from Gate City Bank, we service your loan right here. No tracking down where your loan is! For the entire life of your loan, it will be:

  • Locally approved
  • Locally financed
  • Locally serviced by Gate City Bank professionals




To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.


Gate City Bank
500 Second Avenue North, Fargo, ND  58102
Toll Free:  (800) 423-3344
Office:  (701) 293-2400
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