North Dakota Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in North Dakota. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
7.04%
Avg APR
15yr Fixed
6.44%
Avg APR
Median Price
$250,000
Median home
Monthly P&I
$1,334
30yr at 80% LTV
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Top Mortgage Lenders in North Dakota
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in North Dakota
- ✓Bank of North Dakota First-Home Program
- ✓BND Flex Series
- ✓HFA HomeKEY Assistance
Mortgage Requirements in North Dakota
- •Min 640 credit score for BND programs
- •First-time buyer requirement
- •Income and purchase price limits
North Dakota Housing Market Facts
Fargo offers a stable, affordable housing market.
Low unemployment rate supports housing demand.
BND First-Home offers below-market rates exclusively in ND.
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