North Dakota · Q1 2026
What North Dakota borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 195 lenders.
Published 2026-04-29.
North Dakota · headline
The gap between North Dakota's lowest- and highest-cost ranked lenders in 2025 was $5,474 on a typical loan — borrowers using Fairway Independent Mortgage paid roughly 183% more than borrowers using Bell Bank on similar loans.
Source: FFIEC HMDA 2025 (n=9,696)
In 2025, 195 mortgage lenders originated 9,696 reportable loans in North Dakota according to FFIEC HMDA data. The median borrower paid $5,369 in total loan costs. That is 26.6% above the national median across all 50 states and DC.
North Dakota's median total loan cost was $5,369, 26.6% above the national median of $4,242. On a typical loan, that translates to roughly $1,127 more than borrowers paid in the average state.
Bell Bank posted the lowest median total loan costs at $2,986, 44.4% below the North Dakota median. Across the ranked lenders, 9 earned an A grade against peer averages and 1 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in North Dakota are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Gate City Bank | $3,051 | $3,294 | 1,834 | A |
| 2 | United Wholesale Mortgage | $5,973 | $3,335 | 709 | C |
| 3 | Rocket Mortgage | $6,104 | $3,615 | 549 | C |
| 4 | First International Bank & Trust | $4,786 | $1,876 | 493 | A |
| 5 | First Community Credit Union | $3,246 | $549 | 431 | A |
| 6 | Fairway Independent Mortgage | $8,459 | $3,587 | 369 | F |
| 7 | Bell Bank | $2,986 | $1,787 | 342 | A |
| 8 | TOWN AND COUNTRY Credit Union | $3,771 | $1,760 | 312 | A |
| 9 | Mortgage Research Center, LLC | $4,898 | $2,559 | 276 | A |
| 10 | Dakota Community Bank & Trust, National Association | $5,710 | $2,950 | 222 | C |
North Dakota median total loan cost
North Dakota borrowers paid a median $5,369 in total loan costs in 2025, based on 9,696 HMDA-reported loans across 195 lenders.
FFIEC HMDA 2025
Lender spread in North Dakota
In North Dakota, the gap between Bell Bank ($2,986 median) and Fairway Independent Mortgage ($8,459 median) was $5,474 on a typical 2025 loan.
FFIEC HMDA 2025
North Dakota vs. national
North Dakota closing costs ran 26.6% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in North Dakota was $2,538, with the typical lender clustering tightly around that figure. Discount points appeared on 38% of loans, with a median paid amount of $2,111 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 30% of loans, with a median credit of $321.
Avg $3,392
Median $2,111 when present
Median $321 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in North Dakota) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for North Dakota
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