North Dakota Mortgage Rate Trends
Track current and weekly average mortgage rates across all loan products in North Dakota, view interactive rate trend charts, and compare ND borrowing costs against the national average.
Current North Dakota Mortgage Rate Trends
Mortgage rates in North Dakota fell by -0.133 this week, bringing the current 30-year fixed average down to 6.324%. Borrowers in ND are benefiting from improved conditions compared to last week's average of 6.457%.
North Dakota's 30-year fixed rate of 6.324% is currently in line with the national average of 6.324%, indicating ND is tracking closely with broader U.S. mortgage market conditions.
The 15-year fixed rate in North Dakota currently averages 6.003%, compared to 5.898% last week. Homeowners considering a refinance into a shorter term should weigh this rate against their current loan conditions and remaining balance. Shorter-term loans typically carry lower rates but require higher monthly payments.
The North Dakota mortgage rate averages displayed on this page are calculated from 52 verified mortgage rate quotes collected across 15 lenders actively operating in North Dakota. Our proprietary systems collect and verify mortgage rates daily — tracking what real licensed institutions are actually quoting to borrowers, not published rate sheet estimates.
Unlike rate comparison sites that show only a handful of lenders, MonitorBankRates maintains a continuously updated mortgage rate database spanning community banks, regional lenders, national institutions, and credit unions across North Dakota. This scale allows us to calculate averages that reflect the full lending landscape — not just the most aggressive advertisers — giving borrowers, journalists, and real estate professionals a more accurate benchmark for what rates actually look like in ND.
Data reflects average rates offered by licensed institutions operating in ND. Last Updated: April 16, 2026
North Dakota Mortgage Rate Trends
Daily average rates across all loan products. Hover over the chart to see exact rates for each day.
North Dakota mortgage rate averages compiled from 52 current mortgage rates across 15 lenders operating in ND — updated daily.
As of Apr 16, 2026 • Data provided by MonitorBankRates.com
For Media, Researchers & Real Estate Professionals
Journalists covering North Dakota housing markets, real estate professionals advising clients on timing, and academic researchers studying regional lending patterns are welcome to cite and reference this data. All historical ND rate data is free to use for editorial, research, and educational purposes.
Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report — and optionally link to https://monitorbankrates.com/mortgage-loan-rates/north-dakota/trends. For custom data pulls, contact us here.
