Dickinson Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Dickinson averaged
6.56%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.76% and
one month ago for the week of 2025-05-29, the
average rate was 6.88%.
Dickinson's average rate one year ago was 6.65%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.17%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Dickinson 30 Year Fixed Rate | 2025-07-03 | 6.56% |
| Dickinson 30 Year Fixed Rate Refi | 2025-07-03 | 7.17% |
| Dickinson 15 Year Fixed Rate | 2025-07-03 | 5.7% |
| Dickinson 15 Year Fixed Rate Refi | 2025-07-03 | 6.4% |
| Dickinson 30 Year FHA | 2025-07-03 | 0.07% |
| Dickinson 30 Year FHA Refi | 2025-07-03 | -0.1% |
| Dickinson 30 Year USDA | 2025-07-03 | 0% |
| Dickinson 30 Year USDA Refi | 2025-07-03 | 0% |
| Dickinson 30 Year VA | 2025-07-03 | 0.1% |
| Dickinson 30 Year VA Refi | 2025-07-03 | 0.1% |
Dickinson Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Dickinson, ND market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Dickinson Average Closing Costs & Other Stats
Dickinson, ND's 36 lenders originated 646
loans during 2024. The total origination value was $193,500,000, with an average loan value of
$299,536.
Dickinson's average closing costs are $5,665.
The top Dickinson lender as defined by loan originations is Dakota Community Bank & Trust, with
45 loans originated. Their average total fees are
$5,666, which is $827
higher than the next largest lender,
Gate City Bank.
The lowest fee Dickinson lenders (with over 10 loans originated) are
U.S. Bank ($2,913), ARK-LA-TEX FINANCIAL SERVICES, LLC. ($3,518), Gate City Bank ($4,839), Dakota Community Bank & Trust ($5,666) and Bank of England ($5,871).
The lowest rate Dickinson lenders (with over 10 loans originated) are
Gate City Bank (5.99%), U.S. Bank (6.22%), Dakota Community Bank & Trust (6.22%), ARK-LA-TEX FINANCIAL SERVICES, LLC. (7.04%) and Bank of England (7.42%).
Dickinson, ND Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Dakota Community Bank & Trust | $18,250,000 | $25,490,000 | 39.7% | 13.2% |
| ORIX REAL ESTATE CAPITAL, LLC | $21,115,000 | n/a | 10.9% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $11,630,000 | $14,260,000 | 22.6% | 7.4% |
| Zions Bank | $14,205,000 | n/a | 7.3% | |
| Gate City Bank | $11,450,000 | $13,265,000 | 15.9% | 6.9% |
| American Bank Center | $14,520,000 | $11,890,000 | -18.1% | 6.1% |
| Bank of England | $12,475,000 | $8,975,000 | -28.1% | 4.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $9,225,000 | $7,275,000 | -21.1% | 3.8% |
| GUILD MORTGAGE COMPANY | $2,205,000 | $6,950,000 | 215.2% | 3.6% |
| U.S. Bank | $3,555,000 | $6,895,000 | 94.0% | 3.6% |
| Dacotah Bank | $3,870,000 | $5,880,000 | 51.9% | 3.0% |
| WESTERN COOPERATIVE CREDIT UNION | $7,575,000 | $5,675,000 | -25.1% | 2.9% |
| Flagstar Bank, FSB | $685,000 | $5,575,000 | 713.9% | 2.9% |
| QUICKEN LOANS, LLC | $3,650,000 | $5,355,000 | 46.7% | 2.8% |
| Choice Financial Group | $7,345,000 | $3,150,000 | -57.1% | 1.6% |
| Mortgage Research Center, LLC | $2,250,000 | $3,045,000 | 35.3% | 1.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,525,000 | $2,115,000 | -16.2% | 1.1% |
| PREMIA MORTGAGE, LLC | $1,685,000 | n/a | 0.9% | |
| Presidential Bank, FSB | $1,650,000 | n/a | 0.9% | |
| PENNYMAC LOAN SERVICES, LLC | $1,780,000 | $1,460,000 | -18.0% | 0.8% |
| LOANDEPOT.COM, LLC | $1,260,000 | n/a | 0.7% | |
| Kirkwood Bank & Trust Co. | $525,000 | $1,255,000 | 139.0% | 0.6% |
| Cornerstone Bank | $1,345,000 | $1,225,000 | -8.9% | 0.6% |
| Wells Fargo Bank | $15,940,000 | $1,175,000 | -92.6% | 0.6% |
| LAKEVIEW LOAN SERVICING, LLC | $1,165,000 | n/a | 0.6% | |
| USAA Federal Savings Bank | $410,000 | $1,080,000 | 163.4% | 0.6% |
| NEWREZ LLC | $260,000 | $985,000 | 278.8% | 0.5% |
| The Huntington National Bank | $950,000 | n/a | 0.5% | |
| Plains Commerce Bank | $1,220,000 | $895,000 | -26.6% | 0.5% |
| BROKER SOLUTIONS, INC. | $825,000 | n/a | 0.4% | |
| OCMBC, INC. | $755,000 | n/a | 0.4% | |
| Starion Bank | $720,000 | n/a | 0.4% | |
| First Western Bank & Trust | $690,000 | n/a | 0.4% | |
| Quontic Bank | $645,000 | n/a | 0.3% | |
| NexBank | $615,000 | n/a | 0.3% | |
| Security First Bank of North Dakota | $605,000 | n/a | 0.3% | |
| 21ST MORTGAGE CORPORATION | $175,000 | $590,000 | 237.1% | 0.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | $165,000 | $540,000 | 227.3% | 0.3% |
| CAPITAL CREDIT UNION | $95,000 | $535,000 | 463.2% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $530,000 | n/a | 0.3% | |
| First International Bank & Trust | $650,000 | $500,000 | -23.1% | 0.3% |
| BANKWEST, INC. | $215,000 | $475,000 | 120.9% | 0.2% |
| Ally Bank | $155,000 | $465,000 | 200.0% | 0.2% |
| OPEN MORTGAGE, LLC | $570,000 | $410,000 | -28.1% | 0.2% |
| Commerce Home Mortgage, Inc. | $405,000 | n/a | 0.2% | |
| ZILLOW HOME LOANS, LLC | $285,000 | $405,000 | 42.1% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $375,000 | n/a | 0.2% | |
| Truity Federal Credit Union | $810,000 | $365,000 | -54.9% | 0.2% |
| JPMorgan Chase Bank | $500,000 | $355,000 | -29.0% | 0.2% |
| AMERICAN FINANCING CORPORATION | $405,000 | $345,000 | -14.8% | 0.2% |
| GUARANTEED RATE, INC. | $315,000 | n/a | 0.2% | |
| FREEDOM MORTGAGE CORPORATION | $305,000 | n/a | 0.2% | |
| PLANET HOME LENDING, LLC | $395,000 | $305,000 | -22.8% | 0.2% |
| Regions Bank | $295,000 | n/a | 0.2% | |
| TOWNE MORTGAGE COMPANY | $295,000 | n/a | 0.2% | |
| Stockman Bank of Montana | $230,000 | $285,000 | 23.9% | 0.1% |
| Union State Bank of Fargo | $280,000 | n/a | 0.1% | |
| GREENSTATE CREDIT UNION | $275,000 | n/a | 0.1% | |
| The Federal Savings Bank | $610,000 | $275,000 | -54.9% | 0.1% |
| BMO Harris Bank | $190,000 | $265,000 | 39.5% | 0.1% |
| Mr. Cooper ( Nationstar Mortgage ) | $265,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $265,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $245,000 | n/a | 0.1% | |
| FIRST COLONY MORTGAGE CORPORATION | $4,855,000 | $235,000 | -95.2% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $235,000 | n/a | 0.1% | |
| SeaTrust Mortgage Company | $225,000 | n/a | 0.1% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $245,000 | $215,000 | -12.2% | 0.1% |
| ENVOY MORTGAGE, LTD | $165,000 | n/a | 0.1% | |
| CROSSCOUNTRY MORTGAGE, LLC | $155,000 | n/a | 0.1% | |
| Figure Lending LLC | $150,000 | n/a | 0.1% | |
| TJC Mortgage, Inc. | $105,000 | n/a | 0.1% | |
| Discover Bank | $130,000 | $90,000 | -30.8% | 0.0% |
| COMPEER FINANCIAL, FLCA | $75,000 | n/a | 0.0% | |
| AMERISAVE MORTGAGE CORPORATION | $625,000 | $55,000 | -91.2% | 0.0% |
| Baxter Credit Union | $45,000 | n/a | 0.0% | |
| TOWN AND COUNTRY Credit Union | $25,000 | n/a | 0.0% |
Dickinson's top lender by overall market share is Dakota Community Bank & Trust, with 13.2% market share. In second place, with 10.9%, is ORIX REAL ESTATE CAPITAL, LLC, having originated $21,115,000 in loans. In third place, with 7.4%, is ARK-LA-TEX FINANCIAL SERVICES, LLC., having originated $14,260,000 in loans. In fourth place, with 7.3%, is Zions Bank, having originated $14,205,000 in loans. In fifth place, with 6.9%, is Gate City Bank, having originated $13,265,000 in loans.
Dickinson, ND Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 452 | $124,670,000 | $275,819 |
| Refi | 70 | $53,370,000 | $762,429 |
| Cash Out Refi | 51 | $10,065,000 | $197,353 |
| Other | 37 | $3,445,000 | $93,108 |
| Home Improvement | 36 | $1,950,000 | $54,167 |
Dickinson's most frequently cited loan purpose was Home Purchase, with 452 originations. The 2nd most popular reason was Refi, with 70 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 221 | $60,895,000 | $275,543 |
| 7-8% | 125 | $47,665,000 | $381,320 |
| 5-6% | 120 | $52,400,000 | $436,667 |
| Over 8% | 79 | $9,175,000 | $116,139 |
| 4-5% | 35 | $8,405,000 | $240,143 |
| <2.5% | 8 | $60,000 | $7,500 |
| 3-4% | 1 | $295,000 | $295,000 |
| 2.5-3% | 1 | $425,000 | $425,000 |
During 2024, Dickinson's most frequently originated rate bucket was 6-7%, with 221 originations.
Loan Sizing (Dickinson, ND MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 307 | $87,715,000 | $285,717 |
| $100,000 or less | 129 | $6,375,000 | $49,419 |
| $100k-200k | 127 | $19,745,000 | $155,472 |
| $400k-600k | 59 | $27,155,000 | $460,254 |
| $600k-1000k | 17 | $11,835,000 | $696,176 |
| $Over $1MM | 7 | $40,675,000 | $5,810,714 |
Dickinson's loan sizing saw the bucket of loans from $200k-400k with 307 originations, totaling $87,715,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 332 | $97,780,000 | $294,518 |
| 60-80% | 83 | $25,705,000 | $309,699 |
| Under 20% | 70 | $2,750,000 | $39,286 |
| 20-40% | 51 | $6,085,000 | $119,314 |
| 40-60% | 40 | $22,900,000 | $572,500 |
| Over 100% | 11 | $23,255,000 | $2,114,091 |
Dickinson's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 332 originations, totaling $97,780,000 in origination value.