Top 3 Mortgage Lenders in Ray

Dakota Community Credit Union is highly regarded in northwestern North Dakota with exceptional member satisfaction ratings. They specialize in serving rural communities like Ray with personalized mortgage solutions and local underwriting. Their strong community presence and competitive rates make them a top choice for Williston Basin residents, offering the advantage of local decision-making and understanding of regional property values and economic conditions.

As North Dakota's largest family-owned bank, Gate City Bank has served communities statewide for over a century with outstanding customer satisfaction. They offer highly competitive mortgage rates and have extensive experience with rural North Dakota properties. Their "No Closing Cost Mortgage" option is particularly popular, and they maintain strong relationships with real estate professionals throughout the region, including the Ray area.

Alerus Financial is a well-established regional financial institution with strong roots across North Dakota, including service to the Ray community. They combine the resources of a larger institution with personalized local service, offering digital mortgage tools alongside experienced local loan officers. Their expertise in agricultural and rural property financing makes them particularly suited for the Ray market, and they consistently receive high marks for customer service and competitive pricing.