North Dakota Mortgage Rates and Refinance Rates Today

Mortgages in North Dakota: Find the best North Dakota mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in North Dakota, you can easily sort your search results by lender, rate, APR and points so you can easily compare results. Whether you’re looking for conforming, jumbo, adjustable or interest-only mortgage rates in North Dakota. Another option is searching for North Dakota refinance rates if you're looking to refinance a loan. Best of all you don't have to provide any personal information to see a list of North Dakota mortgage rates or refinance rates.

Search and Compare North Dakota Current Mortgage Rates & Refinance Rates

Mortgage Rates Updated Mon May 27, 2019
Loan Type
Purchase    Refinance
State/City    Zip Code
Loan Amt Points FICO % Down
30 yr fixed refi in 58503, All points, Credit score: 740+     Sort by:
Cost & Fees
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
Citizens Bank, NA

at 0.250 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $1,006
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
Raymond James Bank, NA

at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $1,299
30 yr fixed mtg refi Mortgage Loan from First National Bank of Omaha
First National Bank of Omaha
First National Bank of Omaha

at 0.125 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $752
30 yr fixed mtg refi Mortgage Loan from OneWest Bank, FSB
OneWest Bank, FSB
OneWest Bank, FSB

at 0.010 pts
60 day lock rate
Est payment: $1,458.31
Fees in APR: $1,832

Mortage Data Provided by Many lenders have different rates on their own Websites than those posted on In order to get the rate, please identify yourself as a customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.

North Dakota Conforming Mortgage Rates and Refinance Rates

Conforming home mortgage rates in North Dakota are the most popular type of mortgages rates you can find advertised for home buyers in North Dakota. Conforming mortgages, also known as conventional mortgages, are mortgages that meet certain criteria set out by Federal Housing Finance Agency (FHFA). There is a loan limit set for each county in the United States. Higher mortgage loan limits are set for high housing cost areas. North Dakota mortgages that 'conform' to the standards set out by the Federal Housing Finance Agency can be purchased by government sponsored entities (GSE) like Freddie Mac and Fannie Mae. This process guarantees North Dakota banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes North Dakota conforming mortgage rates and refi rates lower than North Dakota jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by North Dakota home finance companies, credit unions and banks.

Jumbo Mortgage Rates and Refinance Rates in North Dakota

Jumbo mortgage rates in North Dakota are advertised for home loans that have a dollar amount that is higher than conventional loan amounts. Jumbo mortgage rates and jumbo refinance rates are always higher than conventional mortgage rates for both fixed mortgage rates in North Dakota and adjustable mortgage rates in North Dakota. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in North Dakota make.

North Dakota Fixed Mortgage Rates and Fixed Refinance Rates

North Dakota fixed rate mortgages are the most common mortgage available to borrowers. With a fixed mortgage the interest rate stays the same for the entire loan period. Fixed mortgages are available in 40 years, 30 years, 20 years, 15 years and 10 years. The longer the mortgage term the lower the monthly mortgage payment will be.

North Dakota Adjustable Mortgage Rates

Adjustable North Dakota mortgage rates are fixed for a period of time and then the mortgage rate adjusts every year after. The most common adjustable mortgages terms available in North Dakota are 1 year, 3 year, 5year and 7 year. Adjustable rate mortgages are advertised as 1 year, 3/1, 5/1 and 7/1. Adjustable mortgages are available for conforming dollar amounts and jumbo dollar amounts in North Dakota. Most adjustable mortgages in North Dakota have yearly caps and life time maximum caps on how high the interest rate can fluctuate.

Cities in North Dakota