North Dakota mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Cass County | 2,002 | 6.25% | $5,637 | 6.125% |
| Burleigh County | 1,063 | 6.25% | $5,819 | 6.125% |
| Ward County | 763 | 6.125% | $5,956 | 6.24% |
| Grand Forks County | 620 | 6.375% | $5,613 | 6.125% |
| Stark County | 419 | 6.5% | $6,403 | 6.25% |
| Williams County | 398 | 6.4% | $7,401 | 6.25% |
| Morton County | 372 | 6.25% | $6,329 | 6.125% |
| Stutsman County | 140 | 6.25% | $4,910 | 6.375% |
| Richland County | 133 | 6.25% | $5,359 | 6.5% |
| McKenzie County | 132 | 6.575% | $10,210 | 6.49% |
| McLean County | 90 | 6.375% | $5,122 | 6.49% |
| Mercer County | 79 | 6.5% | $5,109 | 6.308% |
| Barnes County | 77 | 6.375% | $5,139 | 6.124% |
| Traill County | 76 | 6.375% | $4,751 | 6% |
| Ramsey County | 75 | 6.25% | $5,958 | 6.25% |
| Mountrail County | 61 | 6.225% | $6,148 | 7.24% |
| Walsh County | 53 | 6.35% | $4,204 | 6.438% |
| Pembina County | 48 | 6.388% | $4,532 | 6.062% |
| McHenry County | 43 | 6.25% | $5,077 | 5.75% |
| Bottineau County | 40 | 6.3% | $5,545 | 5.938% |
| Ransom County | 33 | 6.375% | $4,862 | 6.25% |
| Dickey County | 29 | 6.15% | $4,733 | 6.495% |
| Wells County | 27 | 6.188% | $4,462 | 6.125% |
| Dunn County | 27 | 6.5% | $4,594 | 6.188% |
| Cavalier County | 27 | 6.188% | $3,733 | 6.25% |
| LaMoure County | 25 | 6.5% | $4,637 | 6.77% |
| Bowman County | 20 | 6.35% | $6,386 | n/a |
| Kidder County | 20 | 6.5% | $6,224 | 6.062% |
| Pierce County | 19 | 6.138% | $6,529 | n/a |
| McIntosh County | 19 | 6.299% | $3,433 | 6.286% |
| Sargent County | 18 | 6.375% | $3,895 | 6.125% |
| Foster County | 18 | 6.625% | $3,762 | n/a |
| Renville County | 18 | 6.125% | $7,195 | 6.375% |
| Oliver County | 16 | 6.25% | $6,565 | 6.25% |
| Emmons County | 16 | 6.5% | $6,132 | 6.438% |
| Eddy County | 15 | 6.375% | $3,313 | n/a |
| Griggs County | 14 | 6.495% | $5,562 | 6.95% |
| Rolette County | 14 | 6.688% | $5,919 | 7.21% |
| Grant County | 14 | 5.975% | $4,369 | n/a |
| Nelson County | 14 | 6.213% | $4,325 | 6.5% |
| Hettinger County | 13 | 6.2% | $5,959 | 6.625% |
| Golden Valley County | 12 | 6.25% | $8,001 | 6.412% |
| Logan County | 11 | 6.625% | $4,379 | 7.07% |
| Towner County | 11 | 6.683% | $6,695 | 6.058% |
| Divide County | 11 | 6.5% | $5,607 | n/a |
| Steele County | 10 | 6.295% | $3,648 | 5.99% |
| Burke County | 8 | 6.625% | $4,432 | 6% |
| Adams County | 8 | 6.375% | $6,296 | n/a |
| Benson County | 8 | 6.375% | $6,701 | n/a |
| Sheridan County | 6 | 6.5% | $4,352 | n/a |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.