Top 3 Mortgage Lenders in Towner

First International Bank & Trust is the primary local banking institution actually located in Towner, North Dakota, providing personalized mortgage services to the community for over a century. As a community-focused bank with deep roots in McHenry County, they offer the advantage of local underwriting and decision-making, which is particularly valuable in rural North Dakota. Their loan officers have extensive experience with agricultural properties, rural housing, and USDA loans that are well-suited for the Towner area. Customers consistently praise their responsive service, competitive rates for the region, and understanding of local real estate markets.

Capital Credit Union is a highly-rated regional financial institution that serves members throughout North Dakota, including the Towner area. With strong digital capabilities and multiple branch locations across the region, they provide convenient mortgage services to rural communities. They are particularly noted for their competitive interest rates, low closing costs, and exceptional member service. Their mortgage specialists have specific expertise with North Dakota rural properties and offer specialized programs for first-time homebuyers and agricultural workers. The credit union consistently receives high marks for transparency throughout the loan process and personalized attention.

Guild Mortgage is a nationally recognized mortgage lender with a strong local presence in North Dakota through their Grand Forks branch, which actively serves the Towner community. They are particularly renowned for their extensive experience with government-backed loans including USDA rural development loans, which are ideal for properties in and around Towner. Guild receives consistent praise for their efficient processing, knowledgeable loan officers, and ability to handle complex rural property transactions. Their digital mortgage platform combined with local expertise makes them a popular choice for borrowers seeking both technological convenience and personalized service in north-central North Dakota.