Mortgage lending in Minot, ND
1,487 mortgages were originated in the Minot, 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
- 1,487
- Median rate
- 6.270%
- Median lender fees
- $5,163
- Median loan amount
- $215,000
- Median spread over APOR
- 0.006
- Paid discount points
- 28.4%
- Received lender credits
- 24.5%
- Purchases / refinances
- 61.3% / 28.6%
- Conventional / FHA / VA
- 62% / 10.9% / 26.9%
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 70.9% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Minot, ND area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| TOWN AND COUNTRY Credit Union | 234 | $3,755 | 6.240% |
| Gate City Bank | 207 | $4,322 | 6.375% |
| First International Bank & Trust | 199 | $6,173 | 6.375% |
| Aspire Community Federal Credit union | 111 | — | — |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 80 | $5,307 | 6.124% |
| Mortgage Research Center, LLC | 75 | $5,436 | 6.250% |
| First Western Bank & Trust | 70 | $3,870 | 6.490% |
| Rocket Mortgage, LLC | 60 | $6,945 | 6.500% |