Mortgage lending in Fargo, ND-MN
5,653 mortgages were originated in the Fargo, ND-MN 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
- 5,653
- Median rate
- 6.500%
- Median lender fees
- $4,553
- Median loan amount
- $225,000
- Median spread over APOR
- 0.180
- Paid discount points
- 25.7%
- Received lender credits
- 20.3%
- Purchases / refinances
- 58.1% / 22.1%
- Conventional / FHA / VA
- 83.6% / 9.4% / 6.9%
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 67.9% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Fargo, ND-MN area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Gate City Bank | 998 | $2,887 | 6.750% |
| Bell Bank | 813 | $2,964 | 6.990% |
| First International Bank & Trust | 303 | $4,303 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 293 | $6,425 | 6.125% |
| TOWN AND COUNTRY Credit Union | 236 | $2,948 | 6.490% |
| VALLEY MORTGAGE, INC. | 200 | $4,599 | 6.250% |
| FIRST COMMUNITY CREDIT UNION | 181 | $4,576 | 6.250% |
| Rocket Mortgage, LLC | 159 | $5,326 | 6.625% |
| Alerus Financial, National Association | 128 | — | 7.125% |
| U.S. Bank National Association | 122 | $3,384 | 6.933% |