Mortgage lending in Bismarck, ND
2,992 mortgages were originated in the Bismarck, ND area in 2025, and here is what they cost.
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
- 2,992
- Median rate
- 6.625%
- Median lender fees
- $4,621
- Median loan amount
- $225,000
- Median spread over APOR
- 0.271
- Paid discount points
- 20.1%
- Received lender credits
- 16.4%
- Purchases / refinances
- 55.8% / 20.9%
- Conventional / FHA / VA
- 83.1% / 10% / 6.7%
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 62.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Bismarck, ND area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Gate City Bank | 587 | $2,689 | 6.650% |
| CAPITAL | 361 | $5,909 | 7.490% |
| First International Bank & Trust | 169 | $5,205 | 6.650% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 146 | $3,803 | 6.362% |
| Dakota Community Bank & Trust, National Association | 145 | $5,373 | 6.375% |
| Bravera Bank | 108 | — | — |
| Rocket Mortgage, LLC | 106 | $5,738 | 6.875% |
| Starion Bank | 104 | $3,503 | 6.490% |
| Kirkwood Bank & Trust Co. | 98 | — | — |
| RAILWAY | 84 | — | — |