Mortgage lending in Grand Forks County
1,263 mortgages were originated in Grand Forks County, North Dakota, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,263
- Median rate
- 6.500%
- Median lender fees
- $4,786
- Median loan amount
- $205,000
- Median spread over APOR
- 0.210
- Paid discount points
- 24.5%
- Received lender credits
- 20.7%
- Purchases / refinances
- 58.7% / 23.2%
- Conventional / FHA / VA
- 79.3% / 9.1% / 11.1%
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 67.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Grand Forks County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Gate City Bank | 254 | $2,410 | 6.770% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 160 | $6,374 | 6.250% |
| Alerus Financial, National Association | 99 | — | 7.000% |
| First International Bank & Trust | 69 | — | 6.500% |
| Barrington Bank & Trust Company, National Association | 55 | $5,041 | 6.250% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Grand Forks County — not a rule of thumb.
From 854 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers