North Dakota

Today's North Dakota (ND) Mortgage Rates


Flagstar Bank
NMLS # 417490
3.905% APR
3.875% RATE
0 Points
30 day lock
Fees: $905
Monthly Payment
$1,175.59

NEXT  
3.769% APR
3.750% RATE
0 Points
30 day lock
Fees: $570
Monthly Payment
$1,157.79

NEXT  

QuickenLoans
NMLS # 3030
4.397% APR
4.375% RATE
0 Points
30 day lock
Fees: $650
Monthly Payment
$1,248.21

NEXT  

eRates Mortgage
NMLS # 1071
State Lic # MB102852
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

EverBank
NMLS # 399805
State Lic # MB102852
3.930% APR
3.875% RATE
0 Points
30 day lock
Fees: $1,665
Monthly Payment
$1,175.59

NEXT  

Rates were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. APR and Payment examples shown do not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included.


North Dakota (ND) Mortgage Rates & Mortgage Loan Data – Prior Year

  • Loan originated: 176,688
  • Loan purchased by the institution: 46,136
  • Application denied by financial institution: 32,083
  • Application withdrawn by applicant: 21,189
  • Application approved but not accepted: 10,467
  • File closed for incompleteness: 5,464
  • Preapproval request denied by financial institution: 13
  • Preapproval request approved but not accepted: 1

  • Refinancing: 137,336
  • Home purchase: 129,825
  • Home improvement: 24,880

  • Conventional: 218,782
  • FHA-insured: 48,723
  • VA-guaranteed: 19,114
  • FSA/RHS-guaranteed: 5,422

  • White: 236,082
  • Not applicable: 33,273
  • Information not provided by applicant in mail, Internet, or telephone application: 16,544
  • American Indian or Alaska Native: 2,768
  • Asian: 1,766
  • Black or African American: 1,253
  • Native Hawaiian or Other Pacific Islander: 355

  • Not Hispanic or Latino: 239,467
  • Not applicable: 33,319
  • Information not provided by applicant in mail, Internet, or telephone application: 16,738
  • Hispanic or Latino: 2,517

  • Male: 190,434
  • Female: 56,767
  • Not applicable: 33,276
  • Information not provided by applicant in mail, Internet, or telephone application: 11,564

  • Office of the Comptroller of the Currency: 90,554
  • Federal Deposit Insurance Corporation: 52,794
  • Department of Housing and Urban Development: 48,719
  • Consumer Financial Protection Bureau: 47,226
  • Office of Thrift Supervision: 21,400
  • National Credit Union Administration: 20,217
  • Federal Reserve System: 11,131

  • Cass County: 80,525
  • Burleigh County: 50,369
  • Ward County: 30,543
  • Grand Forks County: 27,351
  • Morton County: 16,093
  • Stark County: 15,431
  • Williams County: 11,545
  • Stutsman County: 6,954
  • Richland County: 5,430
  • Barnes County: 3,616
  • Ramsey County: 3,234
  • Traill County: 2,875
  • McLean County: 2,801
  • Walsh County: 2,379
  • Mercer County: 2,358
  • McKenzie County: 2,244
  • Ransom County: 1,792
  • Bottineau County: 1,700
  • Mountrail County: 1,621
  • Pembina County: 1,601
  • Unknown: 1,518
  • McHenry County: 1,495
  • Dickey County: 1,468
  • Rolette County: 1,450
  • Foster County: 1,057
  • Dunn County: 1,056
  • Pierce County: 1,002
  • Sargent County: 944
  • Wells County: 883
  • Cavalier County: 860
  • Bowman County: 764
  • Renville County: 679
  • Adams County: 643
  • LaMoure County: 602
  • Kidder County: 577
  • Emmons County: 549
  • Hettinger County: 521
  • Oliver County: 494
  • Griggs County: 486
  • Benson County: 479
  • Grant County: 441
  • Nelson County: 437
  • Eddy County: 436
  • Burke County: 424
  • Steele County: 405
  • Golden Valley County: 323
  • McIntosh County: 308
  • Divide County: 280
  • Towner County: 280
  • Logan County: 245
  • Sioux County: 168
  • Sheridan County: 139
  • Billings County: 116
  • Slope County: 50

  • Unknown: 117,621
  • Fargo – ND, MN: 80,498
  • Bismarck – ND: 66,592
  • Grand Forks – ND, MN: 27,330

  • Unknown: 268,513
  • Credit history: 7,165
  • Debt-to-income ratio: 5,578
  • Collateral: 5,150
  • Other: 2,242
  • Credit application incomplete: 1,586
  • Unverifiable information: 681
  • Employment history: 667
  • Insufficient cash (downpayment, closing costs): 434
  • Mortgage insurance denied: 25

  • Not a HOEPA loan: 291,750
  • HOEPA loan: 291

  • Secured by a first lien: 218,553
  • Not applicable: 46,136
  • Secured by a subordinate lien: 22,401
  • Not secured by a lien: 4,951

  • Owner-occupied as a principal dwelling: 272,478
  • Not owner-occupied as a principal dwelling: 17,965
  • Not applicable: 1,598

  • One-to-four family dwelling (other than manufactured housing): 278,595
  • Manufactured housing: 11,583
  • Multifamily dwelling: 1,863

  • Loan was not originated or was not sold in calendar year covered by register: 144,091
  • Fannie Mae (FNMA): 39,487
  • Freddie Mac (FHLMC): 31,094
  • Ginnie Mae (GNMA): 20,169
  • Other type of purchaser: 19,425
  • Life insurance company, credit union, mortgage bank, or finance company: 16,191
  • Commercial bank, savings bank or savings association: 15,216
  • Affiliate institution: 5,365
  • Private securitization: 997
  • Farmer Mac (FAMC): 6