Bismarck, ND Mortgage Rates
Live Mortgage Rates in Bismarck, North Dakota
6.490%
Bismarck Conventional Purchase benchmark (80% LTV, 780 FICO), updated Friday, November 6, 2026 at 2:31 PM UTC
Sourced live from hundreds of wholesale lenders serving Bismarck and North Dakota
Bismarck Benchmark Rates
Lowest available rate with no discount points paid in Bismarck, ND for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Bismarck, ND | 6.490% | 6.530% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Bismarck, ND | 5.875% | 5.905% |
VA VA Purchase (100% LTV, 680 FICO) · Bismarck, ND | 5.990% | 6.016% |
2026 Loan Limits in North Dakota
Conforming
$832,750 baseline
FHA
$541,287
Standard FHA limit, applies to most North Dakota counties.
About Bismarck Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Bismarck, North Dakota homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving North Dakota and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Bismarck property.
Your specific Bismarck rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full North Dakota lender network, use the Rate Direct pricer.
Bismarck buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to North Dakota, see the North Dakota DPA guide.
Get your personalized Bismarck mortgage rate
The rates above are the market benchmark for Bismarck. Your actual rate depends on your scenario.