Mortgage lender closing cost rankings in North Dakota (2024)
In North Dakota, homebuyers paid a median of $5,512 in total closing costs on purchase mortgages in 2024, which is below the national median of $6,741. The median interest rate was 6.38% across 5,992 purchase originations. The most active lender was Gate City Bank with 917 originations. The lowest-cost lender (with 50+ loans) was Alerus Financial, National Association at $2,903.
Median Total Costs
$5,512
−18.2% vs national ($6,741)
Median Rate
6.380%
−3.6% vs national (6.620%)
Median Origination
$2,494
Purchase Originations
5,992
By loan type
| Loan type | Volume | Median Rate | Median Total Costs |
|---|---|---|---|
| conventional | 3,852 | 6.500% | $4,618 |
| fha | 1,200 | 6.125% | $9,167 |
| va | 844 | 6.125% | $6,674 |
| usda | 96 | 5.900% | $6,373 |
Lowest closing cost lenders in North Dakota
Ranked by median total loan costs among lenders with 50+ purchase originations in North Dakota.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,903 | 6.400% | $995 | 61 | −$2,609 | |
| 2 | $3,047 | 6.000% | $850 | 60 | −$2,465 | |
| 3 | $3,442 | 6.625% | $616 | 72 | −$2,070 | |
| 4 | $3,580 | 6.500% | $1,083 | 160 | −$1,932 | |
| 5 | $4,061 | 6.062% | $895 | 174 | −$1,451 | |
| 6 | $4,151 | 6.625% | $1,200 | 60 | −$1,361 | |
| 7 | $4,442 | 6.375% | $2,180 | 107 | −$1,070 | |
| 8 | $4,487 | 6.500% | $2,554 | 144 | −$1,025 | |
| 9 | $4,612 | 5.900% | $0 | 83 | −$900 | |
| 10 | $4,622 | 6.375% | $2,225 | 75 | −$890 | |
| 11 | $4,782 | 6.000% | $2,302 | 239 | −$730 | |
| 12 | $4,885 | 6.625% | $0 | 204 | −$627 | |
| 13 | $4,965 | 6.500% | $2,104 | 296 | −$547 | |
| 14 | $5,000 | 6.350% | $2,405 | 121 | −$512 | |
| 15 | $5,003 | 6.375% | $2,615 | 65 | −$509 | |
| 16 | $5,187 | 6.200% | $2,025 | 69 | −$325 | |
| 17 | $5,318 | 6.125% | $50 | 280 | −$194 | |
| 18 | $5,511 | 6.000% | $3,011 | 917 | −$1 | |
| 19 | $5,694 | 6.375% | $3,485 | 124 | +$182 | |
| 20 | $5,853 | 6.250% | $3,063 | 179 | +$341 | |
| 21 | $5,956 | 6.624% | $2,870 | 373 | +$444 | |
| 22 | $6,056 | 6.000% | $3,018 | 197 | +$544 | |
| 23 | $6,614 | 6.625% | $4,040 | 54 | +$1,102 | |
| 24 | $6,949 | 6.495% | $3,325 | 80 | +$1,437 | |
| 25 | $7,335 | 6.500% | $3,596 | 212 | +$1,823 |
Includes lenders with 50+ purchase originations in North Dakota. Source: HMDA 2024. Sorted by median total loan costs.
Rankings by county
Cass County
1,796 originations
Burleigh County
759 originations
Ward County
622 originations
Grand Forks County
546 originations
Williams County
400 originations
Stark County
355 originations
Morton County
271 originations
Stutsman County
142 originations
Richland County
121 originations
McKenzie County
117 originations
See North Dakota closing cost details, fee benchmarks, and county comparisons → North Dakota Closing Costs Guide
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.