Dickinson USDA Loan Rates, Closing Costs & Stats

Dickinson, ND

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    • USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.

    Dickinson's 10 lenders originated 38 USDA loans during 2023. The total origination value was $7,830,000, with an average USDA loan value of $206,053.

    Dickinson USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Dickinson averaged 6.35% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Dickinson's average USDA mortgage closing costs are $6,615.

    The average rate for the prior week (2025-02-07) was 6.41% and one month ago for the week of 2025-01-10, the average rate was 6.55%.

    The average rate one year ago was 6.35%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.73%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Dickinson USDA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Dickinson level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Bank of England 8 6.36% $6,071
    Dakota Community Bank & Trust 7 5.77% $8,080
    WESTERN COOPERATIVE CREDIT UNION 7 5.92% $7,990
    American Bank Center 5 5.66% $7,001
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 5.93% $7,696
    Dacotah Bank 2 5.80% $4,841
    FIRST COLONY MORTGAGE CORPORATION 2 6.56% $3,067
    NEWREZ LLC 1 7.25% $5,205
    Unify Home Lending Inc. 1 6.75% $2,836
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.50% $7,069

    The top Dickinson USDA lender as defined by loan originations is Bank of England, with 8 USDA loans originated. Their average total fees are $6,071, which is $2,010 lower than the next largest lender, Dakota Community Bank & Trust.

    The lowest fee Dickinson USDA lenders (with over 10 loans originated) are .

    The lowest rate Dickinson USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Dickinson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $227,175 (1.2%) $242,438 (2.0%) 0.00 264
    2018-02-01 $229,225 (2.1%) $244,742 (3.5%) 0.00 264
    2018-03-01 $234,000 (2.2%) $249,278 (3.1%) 0.00 260
    2018-04-01 $239,900 (2.1%) $255,634 (2.9%) 0.00 269
    2018-05-01 $239,900 (2.3%) $267,047 (5.9%) 0.00 290
    2018-06-01 $249,000 (3.9%) $272,538 (6.1%) 0.00 310
    2018-07-01 $242,950 (2.5%) $269,191 (6.5%) 0.00 313
    2018-08-01 $235,000 (2.2%) $267,952 (6.9%) 0.00 312
    2018-09-01 $229,000 (1.8%) $258,706 (3.3%) 0.00 308
    2018-10-01 $222,500 (-1.1%) $249,554 (1.5%) 0.00 304
    2018-11-01 $225,000 (0.0%) $245,627 (1.9%) 0.00 287
    2018-12-01 $239,900 (6.6%) $254,998 (5.9%) 0.00 267
    2019-01-01 $241,000 (6.1%) $267,186 (10.2%) 0.00 228
    2019-02-01 $249,000 (8.6%) $270,469 (10.5%) 0.00 209
    2019-03-01 $257,100 (9.9%) $274,845 (10.3%) 0.00 189
    2019-04-01 $267,900 (11.7%) $284,129 (11.2%) 0.00 179
    2019-05-01 $268,400 (11.9%) $285,911 (7.1%) 0.00 203
    2019-06-01 $272,400 (9.4%) $299,479 (9.9%) 0.00 214
    2019-07-01 $268,900 (10.7%) $299,964 (11.4%) 0.00 215
    2019-08-01 $265,718 (13.1%) $301,087 (12.4%) 0.00 216
    2019-09-01 $262,445 (14.6%) $295,490 (14.2%) 0.00 212
    2019-10-01 $259,675 (16.7%) $291,760 (16.9%) 0.00 207
    2019-11-01 $247,000 (9.8%) $279,016 (13.6%) 0.00 199
    2019-12-01 $245,000 (2.1%) $276,715 (8.5%) 0.00 187
    2020-01-01 $259,900 (7.8%) $280,728 (5.1%) 0.00 163
    2020-02-01 $244,000 (-2.0%) $284,971 (5.4%) 0.00 141
    2020-03-01 $258,000 (0.4%) $287,245 (4.5%) 0.00 137
    2020-04-01 $253,450 (-5.4%) $286,282 (0.8%) 0.00 163
    2020-05-01 $255,000 (-5.0%) $280,252 (-2.0%) 0.00 198
    2020-06-01 $259,900 (-4.6%) $288,431 (-3.7%) 0.00 195
    2020-07-01 $258,225 (-4.0%) $287,678 (-4.1%) 0.00 194
    2020-08-01 $258,500 (-2.7%) $290,287 (-3.6%) 0.00 201
    2020-09-01 $254,200 (-3.1%) $287,347 (-2.8%) 0.00 205
    2020-10-01 $250,950 (-3.4%) $275,961 (-5.4%) 0.00 205
    2020-11-01 $249,900 (1.2%) $271,608 (-2.7%) 0.00 199
    2020-12-01 $245,675 (0.3%) $272,579 (-1.5%) 0.00 192
    2021-01-01 $244,900 (-5.8%) $269,174 (-4.1%) 0.00 183
    2021-02-01 $240,000 (-1.6%) $261,720 (-8.2%) 0.00 185
    2021-03-01 $242,225 (-6.1%) $270,690 (-5.8%) 0.00 170
    2021-04-01 $235,000 (-7.3%) $250,446 (-12.5%) 0.00 202
    2021-05-01 $235,000 (-7.8%) $259,829 (-7.3%) 0.00 181
    2021-06-01 $238,675 (-8.2%) $261,606 (-9.3%) 0.00 179
    2021-07-01 $241,000 (-6.7%) $260,657 (-9.4%) 0.00 193
    2021-08-01 $242,000 (-6.4%) $259,905 (-10.5%) 0.00 183
    2021-09-01 $243,675 (-4.1%) $252,286 (-12.2%) 0.00 183
    2021-10-01 $249,900 (-0.4%) $250,279 (-9.3%) 0.00 181
    2021-11-01 $244,900 (-2.0%) $251,842 (-7.3%) 0.00 171
    2021-12-01 $224,900 (-8.5%) $236,534 (-13.2%) 0.00 151
    2022-01-01 $209,950 (-14.3%) $223,208 (-17.1%) 0.00 103
    2022-02-01 $214,950 (-10.4%) $234,025 (-10.6%) 0.00 105
    2022-03-01 $245,000 (1.2%) $262,085 (-3.2%) 0.00 93
    2022-04-01 $249,900 (6.3%) $277,399 (10.8%) 0.00 81
    2022-05-01 $269,900 (14.9%) $311,313 (19.8%) 0.00 98
    2022-06-01 $297,000 (24.4%) $327,942 (25.4%) 0.00 119
    2022-07-01 $295,000 (22.4%) $333,746 (28.0%) 0.00 127
    2022-08-01 $268,475 (10.9%) $314,144 (20.9%) 0.00 142
    2022-09-01 $267,125 (9.6%) $314,613 (24.7%) 0.00 153
    2022-10-01 $265,000 (6.0%) $311,525 (24.5%) 0.00 163
    2022-11-01 $255,200 (4.2%) $301,919 (19.9%) 0.00 160
    2022-12-01 $254,950 (13.4%) $293,270 (24.0%) 0.00 147
    2023-01-01 $251,750 (19.9%) $297,593 (33.3%) 0.00 137
    2023-02-01 $252,000 (17.2%) $304,954 (30.3%) 0.00 105
    2023-03-01 $263,725 (7.6%) $322,602 (23.1%) 0.00 97
    2023-04-01 $257,450 (3.0%) $322,885 (16.4%) 0.00 96
    2023-05-01 $285,000 (5.6%) $321,842 (3.4%) 0.00 106
    2023-06-01 $280,000 (-5.7%) $327,524 (-0.1%) 0.00 108
    2023-07-01 $284,950 (-3.4%) $336,927 (1.0%) 0.00 112
    2023-08-01 $299,000 (11.4%) $347,260 (10.5%) 0.00 116
    2023-09-01 $290,000 (8.6%) $338,493 (7.6%) 0.00 112
    2023-10-01 $289,975 (9.4%) $340,212 (9.2%) 0.00 103
    2023-11-01 $263,450 (3.2%) $316,942 (5.0%) 0.00 96
    2023-12-01 $267,000 (4.7%) $322,204 (9.9%) 0.00 89
    2024-01-01 $304,725 (21.0%) $342,589 (15.1%) 0.00 79
    2024-02-01 $272,450 (8.1%) $306,293 (0.4%) 0.00 70
    2024-03-01 $299,000 (13.4%) $341,331 (5.8%) 0.00 62
    2024-04-01 $341,000 (32.5%) $377,778 (17.0%) 0.00 64
    2024-05-01 $379,000 (33.0%) $419,058 (30.2%) 0.00 67
    2024-06-01 $382,000 (36.4%) $423,680 (29.4%) 0.00 78
    2024-07-01 $373,450 (31.1%) $419,824 (24.6%) 0.00 85
    2024-08-01 $325,000 (8.7%) $374,574 (7.9%) 0.00 88
    2024-09-01 $318,000 (9.7%) $346,701 (2.4%) 0.00 93
    2024-10-01 $299,475 (3.3%) $362,868 (6.7%) 0.00 96
    2024-11-01 $324,900 (23.3%) $411,960 (30.0%) 0.00 98
    2024-12-01 $312,450 (17.0%) $414,264 (28.6%) 0.00 94
    2025-01-01 $288,050 (-5.5%) $409,151 (19.4%) 0.00 90
    Dickinson's median listing price for 2025-01-01 was $288,050, a difference of $-16,675 (-5.5%) versus the prior year and $-24,400 versus the prior month.

    Dickinson's median listing price comes in at 0% of the national average.

    Dickinson's average listing price for 2025-01-01 was $409,151, a difference of $66,562 (19.4%) versus the prior year and $-5,113 versus the prior month.

    For the 2025-01-01 period, Dickinson had 90 MLS listings, a difference of -4 listings (-4%) versus the prior month and 11 listings (14%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Dickinson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,140 sqft
    2018-02-01 0 days 2,136 sqft
    2018-03-01 0 days 2,118 sqft
    2018-04-01 0 days 2,160 sqft
    2018-05-01 0 days 2,170 sqft
    2018-06-01 0 days 2,200 sqft
    2018-07-01 0 days 2,190 sqft
    2018-08-01 0 days 2,123 sqft
    2018-09-01 0 days 2,120 sqft
    2018-10-01 0 days 2,066 sqft
    2018-11-01 0 days 2,049 sqft
    2018-12-01 0 days 2,136 sqft
    2019-01-01 0 days 2,154 sqft
    2019-02-01 0 days 2,138 sqft
    2019-03-01 0 days 2,128 sqft
    2019-04-01 0 days 2,159 sqft
    2019-05-01 0 days 2,315 sqft
    2019-06-01 0 days 2,385 sqft
    2019-07-01 0 days 2,375 sqft
    2019-08-01 0 days 2,316 sqft
    2019-09-01 0 days 2,278 sqft
    2019-10-01 0 days 2,251 sqft
    2019-11-01 0 days 2,225 sqft
    2019-12-01 0 days 2,166 sqft
    2020-01-01 0 days 2,219 sqft
    2020-02-01 0 days 2,142 sqft
    2020-03-01 0 days 2,176 sqft
    2020-04-01 0 days 2,135 sqft
    2020-05-01 0 days 2,176 sqft
    2020-06-01 0 days 2,168 sqft
    2020-07-01 0 days 2,115 sqft
    2020-08-01 0 days 2,112 sqft
    2020-09-01 0 days 2,146 sqft
    2020-10-01 0 days 2,084 sqft
    2020-11-01 0 days 2,080 sqft
    2020-12-01 0 days 2,056 sqft
    2021-01-01 0 days 2,040 sqft
    2021-02-01 0 days 2,018 sqft
    2021-03-01 0 days 2,029 sqft
    2021-04-01 0 days 1,964 sqft
    2021-05-01 0 days 1,987 sqft
    2021-06-01 0 days 1,950 sqft
    2021-07-01 0 days 2,016 sqft
    2021-08-01 0 days 1,950 sqft
    2021-09-01 0 days 1,950 sqft
    2021-10-01 0 days 1,957 sqft
    2021-11-01 0 days 1,983 sqft
    2021-12-01 0 days 1,950 sqft
    2022-01-01 0 days 1,908 sqft
    2022-02-01 0 days 2,112 sqft
    2022-03-01 0 days 2,198 sqft
    2022-04-01 0 days 2,218 sqft
    2022-05-01 0 days 2,276 sqft
    2022-06-01 0 days 2,399 sqft
    2022-07-01 0 days 2,458 sqft
    2022-08-01 0 days 2,321 sqft
    2022-09-01 0 days 2,271 sqft
    2022-10-01 0 days 2,204 sqft
    2022-11-01 0 days 2,166 sqft
    2022-12-01 0 days 2,161 sqft
    2023-01-01 0 days 2,160 sqft
    2023-02-01 0 days 2,080 sqft
    2023-03-01 0 days 2,104 sqft
    2023-04-01 0 days 2,157 sqft
    2023-05-01 0 days 2,170 sqft
    2023-06-01 0 days 2,208 sqft
    2023-07-01 0 days 2,181 sqft
    2023-08-01 0 days 2,252 sqft
    2023-09-01 0 days 2,307 sqft
    2023-10-01 0 days 2,256 sqft
    2023-11-01 0 days 2,022 sqft
    2023-12-01 0 days 2,016 sqft
    2024-01-01 0 days 2,149 sqft
    2024-02-01 0 days 2,135 sqft
    2024-03-01 0 days 2,248 sqft
    2024-04-01 0 days 2,197 sqft
    2024-05-01 0 days 2,298 sqft
    2024-06-01 0 days 2,296 sqft
    2024-07-01 0 days 2,338 sqft
    2024-08-01 0 days 2,150 sqft
    2024-09-01 0 days 2,118 sqft
    2024-10-01 0 days 2,016 sqft
    2024-11-01 0 days 2,237 sqft
    2024-12-01 0 days 2,139 sqft
    2025-01-01 0 days 2,235 sqft
    Dickinson's median listing age (time on market) for 2025-01-01 was 0 days.

    Dickinson's median square footage for active listings during the 2025-01-01 period was 2,235 sqft. One year prior, the average listing was 2,149 sqft.