North Dakota Mortgage Rates
Live Mortgage Rates in North Dakota
6.490%
North Dakota Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 1:15 PM UTC
Sourced live from hundreds of wholesale lenders serving North Dakota
North Dakota Benchmark Rates
Lowest available rate with no discount points paid in North Dakota for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · North Dakota | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · North Dakota | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · North Dakota | 5.990% | 6.020% |
2026 Loan Limits in North Dakota
Conforming (Conventional)
$832,750 baseline
FHA
$541,287
Standard FHA limit, applies to most North Dakota counties.
VA
No loan limit
VA loans in North Dakota have no maximum when full entitlement is available.
USDA
Varies by area
USDA Rural Development loans follow area income limits rather than a state loan limit.
How North Dakota Mortgage Rates Are Calculated
The rates shown above reflect the lowest available wholesale pricing for North Dakota homebuyers and refinancers from the lenders Rate Direct actively monitors. Pricing is pulled live and refreshed hourly, so the number you see matches what a licensed mortgage broker could source at the time of the snapshot.
Your actual rate in North Dakota depends on your specific scenario - credit score, loan amount, property type, loan-to-value, and loan purpose all matter. A Bismarck buyer with 780 FICO at 80% LTV will price differently than one at 680 FICO or 95% LTV. To see your exact rate across hundreds of lenders, use the Rate Direct pricer.
North Dakota borrowers also have access to FHA, VA, and USDA programs with lower down payment requirements and more lenient credit guidelines. Compare all loan types on the Rate Index or explore down payment assistance programs.
North Dakota Mortgage Rates by Metro
See live mortgage rate benchmarks for specific North Dakota metros.
Get your personalized North Dakota mortgage rate
The rates above reflect the North Dakota market benchmark. Your actual rate depends on your scenario. See the lowest available rate with no discount points paid for your situation from hundreds of lenders serving North Dakota.