Mortgage lending in Cass County
4,100 mortgages were originated in Cass County, North Dakota, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,100
- Median rate
- 6.500%
- Median lender fees
- $4,593
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $235,000
- Above the going rate (spread over APOR)
- 0.160
- Paid discount points
- 24.1%
- Received lender credits
- 20.4%
- Purchases / refinances
- 58.8% / 21.2%
- Conventional / FHA / VA
- 83.8% / 9.1% / 7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 66.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $330,000
- That home, 20% down
- $264,000
A median-priced home with 20% down leaves $568,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Cass County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Gate City Bank | 747 | $3,033 | 6.650% |
| Bell Bank | 580 | $2,931 | 6.990% |
| First International Bank & Trust | 262 | $4,280 | 6.625% |
| United Shore Financial Services, LLC | 208 | $6,362 | 6.274% |
| TOWN AND COUNTRY Credit Union | 187 | $2,965 | 6.450% |
| Valley Mortgage, Inc. | 155 | $4,731 | 6.200% |
| First Community Credit Union | 123 | $3,317 | 6.375% |
| Alerus Financial, National Association | 106 | — | 7.250% |
| Rocket Mortgage, LLC | 98 | $5,768 | 6.625% |
| Western State Bank | 88 | $3,803 | 6.250% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Cass County — not a rule of thumb.
From 2,711 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers