Current North Dakota Mortgage Rates
Average market rates for December 03, 2025 in North Dakota are 6.25% for 30-year fixed purchase and 6.34% for 30-year fixed refinance
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.25% | 6.28% |
| 30-year Fixed Refinance | 6.34% | 6.37% |
Rates based on market averages as of Dec 02, 2025.Mortgage Rate Trends in North Dakota
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.25% | 6.28% |
| 30-year Fixed Refinance | 6.34% | 6.37% |
Rates based on market averages as of Dec 02, 2025.North Dakota Purchase Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Purchase | 5.38% | 5.43% |
| 15-year Fixed Jumbo Purchase | 6.20% | 6.23% |
| 30-year Fixed Purchase | 6.25% | 6.28% |
| 30-year Fixed Jumbo Purchase | 6.86% | 6.87% |
Rates based on market averages as of Dec 02, 2025.North Dakota Refinance Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Refinance | 5.37% | 5.41% |
| 15-year Fixed Jumbo Refinance | 6.18% | 6.20% |
| 30-year Fixed Refinance | 6.34% | 6.37% |
| 30-year Fixed Jumbo Refinance | 6.86% | 6.88% |
Rates based on market averages as of Dec 02, 2025.North Dakota ARM Rates
| Product | Rate | APR |
|---|
| 5/6 Arm (purchase) | 6.04% | 6.08% |
| 5/6 Arm (refinance) | 6.07% | 6.09% |
| 5/6 Jumbo Arm (purchase) | 5.87% | 5.88% |
| 5/6 Jumbo Arm (refinance) | 5.91% | 5.92% |
Rates based on market averages as of Dec 02, 2025.How we source rates and rate trends
×
Rate data in the charts and tables above comes from
RateUpdate.com.
The displayed rates come from multiple providers and represent market averages. Your mortgage rate will differ
based on individual factors like your credit score as well as differing loan types and terms offered by lenders.
Most Common Mortgage Types in North Dakota
- Conventional: 6,295 loans
- FHA: 1,283 loans
- USDA: 244 loans
- VA: 990 loans
Top Purchase Lenders in North Dakota by Volume
- Gate City Bank: 1,363 loans
- First International Bank & Trust: 558 loans
- Town And Country Credit Union: 368 loans
- Bell Bank: 342 loans
- Ark-la-tex Financial Services, LLC.: 323 loans
- First Community Credit Union: 235 loans
- Capital Credit Union: 231 loans
- Fairway Independent Mortgage Corporation: 220 loans
- U.S. Bank: 218 loans
- Mortgage Research Center, LLC: 216 loans
Top Refinance Lenders in North Dakota by Volume
- Gate City Bank: 381 loans
- Capital Credit Union: 105 loans
- Rocket Mortgage, LLC: 92 loans
- Bell Bank: 88 loans
- U.S. Bank: 78 loans
- First International Bank & Trust: 72 loans
- Alerus Financial: 57 loans
- Choice Financial Group: 48 loans
- Bremer Bank: 42 loans
- Cornerstone Bank: 41 loans
Top Cash-Out Refinance Lenders in North Dakota by Volume
- Rocket Mortgage, LLC: 231 loans
- First Community Credit Union: 184 loans
- Gate City Bank: 180 loans
- Town And Country Credit Union: 92 loans
- Wells Fargo Bank: 63 loans
- Loandepot.com, LLC: 59 loans
- First International Bank & Trust: 47 loans
- Capital Credit Union: 40 loans
- Bremer Bank: 37 loans
- Bank Of England: 33 loans
How we source lender data
Meet the Author
The Refi.com team is compiled of journalists, editors, and mortgage industry professionals to ensure you have the most accurate information on mortgage refinancing.
