Homebuyers in Ward County County who chose ARK-LA-TEX FINANCIAL SERVICES, LLC. paid $4,126 less in closing costs than the county median.
County Median Costs
$5,956
+3.3% vs North Dakota ($5,764)
Median Rate
6.120%
−5.7% vs national (6.490%)
Median Origination
$2,120
Purchase Originations
631
Denial Rate
2.9%
vs North Dakota avg (5.7%)
vs North Dakota Median
3.3% above
$192
vs National Median
10.8% below
$-724
10 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,830 | 6.450% | $0 | 15 | −$2,784 | |
| 2 | $3,128 | 6.420% | $902 | 30 | −$1,486 | |
| 3 | $4,678 | 6.375% | $2,505 | 53 | +$64 | |
| 4 | $4,958 | 6.375% | $3,020 | 46 | +$344 | |
| 5 | $5,052 | 6.000% | $3,015 | 61 | +$438 | |
| 6 | $5,600 | 6.412% | $3,365 | 12 | +$986 |
Includes lenders with 10+ purchase originations in Ward County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in North Dakota → Lender Directory
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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, 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.