Mortgage lending in Ward County
1,378 mortgages were originated in Ward 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
- 1,378
- Median rate
- 6.250%
- Median lender fees
- $5,169
- Median loan amount
- $215,000
- Median spread over APOR
- -0.002
- Paid discount points
- 27.9%
- Received lender credits
- 24.2%
- Purchases / refinances
- 61.4% / 28.6%
- Conventional / FHA / VA
- 61.8% / 11% / 27.1%
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 70.7% 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 Ward County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| TOWN AND COUNTRY Credit Union | 217 | $3,720 | 6.240% |
| Gate City Bank | 201 | $4,365 | 6.375% |
| First International Bank & Trust | 175 | $6,182 | 6.375% |
| Aspire Community Federal Credit union | 104 | — | — |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 74 | $5,416 | 6.112% |
| Mortgage Research Center, LLC | 73 | $5,436 | 6.250% |
| First Western Bank & Trust | 65 | $3,851 | 6.500% |
| Rocket Mortgage, LLC | 51 | $6,984 | 6.500% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Ward County — not a rule of thumb.
From 974 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