Williston Mortgage Rates & Closing Costs

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  • Trends
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  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Williston averaged 6.51% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 6.62% and one month ago for the week of 2025-02-27, the average rate was 6.93%.

    Williston's average rate one year ago was 6.86%.

    For refis of the same type during the week of 2025-04-03, the average rate was 7.04%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Williston 30 Year Fixed Rate 2025-04-03 6.51%
    Williston 30 Year Fixed Rate Refi 2025-04-03 7.04%
    Williston 15 Year Fixed Rate 2025-04-03 5.72%
    Williston 15 Year Fixed Rate Refi 2025-04-03 6.02%
    Williston 30 Year FHA 2025-04-03 6.1%
    Williston 30 Year FHA Refi 2025-04-03 6.16%
    Williston 30 Year USDA 2025-04-03 6.22%
    Williston 30 Year USDA Refi 2025-04-03 6.22%
    Williston 30 Year VA 2025-04-03 6.16%
    Williston 30 Year VA Refi 2025-04-03 5.86%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Williston, ND.

    Williston 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 Williston, 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.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Gate City Bank 43 6.08% $6,563
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 40 6.80% $6,465
    U.S. Bank 30 6.67% $4,851
    First International Bank & Trust 17 7.12% $4,120
    QUICKEN LOANS, LLC 13 6.74% $8,265
    CROSSCOUNTRY MORTGAGE, LLC 12 6.79% $5,153
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 6.02% $2,464
    WESTERN COOPERATIVE CREDIT UNION 6 7.04% $4,317
    GUARANTEED RATE, INC. 4 7.30% $8,310
    V.I.P. MORTGAGE, INC. 4 6.97% $6,183
    NAVY FEDERAL CREDIT UNION 3 6.83% $5,788
    GUARANTEED RATE AFFINITY, LLC 3 6.65% $2,129
    UNION HOME MORTGAGE CORP. 3 6.79% $6,153
    UNITED WHOLESALE MORTGAGE, LLC 3 6.42% $8,277
    First Western Bank & Trust 2 6.75% $6,562
    FIRST COMMUNITY MORTGAGE, INC. 2 6.50% $6,579
    GUILD MORTGAGE COMPANY 2 6.42% $4,312
    NBKC BANK 2 6.81% $3,017
    Mr. Cooper ( Nationstar Mortgage ) 2 7.06% $6,289
    Mortgage Research Center, LLC 1 6.63% $1,974
    NEWREZ LLC 1 7.13% $4,107
    OPEN MORTGAGE, LLC 1 6.88% $5,968
    PENNYMAC LOAN SERVICES, LLC 1 7.25% $6,206
    PLAZA HOME MORTGAGE, INC. 1 6.50% $3,857
    Prosperity Home Mortgage, LLC 1 6.63% $4,945
    ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 6.99% $5,347
    SIRVA MORTGAGE, INC. 1 7.00% $2,352
    Starion Bank 1 5.88% $5,657
    USAA Federal Savings Bank 1 6.88% $3,662
    VALLEY MORTGAGE, INC. 1 6.88% $43
    21ST MORTGAGE CORPORATION 1 8.74% $5,353
    ZILLOW HOME LOANS, LLC 1 6.50% $5,094
    ALLIANT CREDIT UNION 1 6.75% $2,306
    Ally Bank 1 6.13% $9,100
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.13% $6,203
    AMERICAN FINANCING CORPORATION 1 7.13% $7,099
    BANKWEST, INC. 1 6.63% $7,469
    Barrington Bank & Trust Company, N.A. 1 5.75% $2,905
    Bell Bank 1 6.49% $6,199
    BROKER SOLUTIONS, INC. 1 7.63% $3,445
    CARDINAL FINANCIAL 1 6.99% $6,068
    Dacotah Bank 1 6.88% $1,424
    Dakota Community Bank & Trust 1 6.13% $4,630
    Flagstar Bank, FSB 1 6.44% $8,501
    Granite Community Bank 1 7.13% $6,634
    HOMESIDE FINANCIAL, LLC 1 8.13% $6,025
    JPMorgan Chase Bank 1 6.13% $6,462
    LOANDEPOT.COM, LLC 1 6.99% $5,124
    Logan Finance Corporation 1 8.12% $5,049
    MORTGAGE ACCESS CORP. 1 6.63% $7,225

    Williston Average Closing Costs & Other Stats

    Williston, ND's 50 lenders originated 660 loans during 2024. The total origination value was $185,360,000, with an average loan value of $280,848.

    Williston's average closing costs are $6,446.

    The top Williston lender as defined by loan originations is Gate City Bank, with 43 loans originated. Their average total fees are $6,563, which is $98 higher than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

    The lowest fee Williston lenders (with over 10 loans originated) are First International Bank & Trust ($4,120), U.S. Bank ($4,851), CROSSCOUNTRY MORTGAGE, LLC ($5,153), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($6,465) and Gate City Bank ($6,563).

    The lowest rate Williston lenders (with over 10 loans originated) are Gate City Bank (6.08%), U.S. Bank (6.67%), QUICKEN LOANS, LLC (6.74%), CROSSCOUNTRY MORTGAGE, LLC (6.79%) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.80%).

    Williston, 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
    Gate City Bank $24,415,000 $32,540,000 33.3% 17.6%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $31,560,000 $28,520,000 -9.6% 15.4%
    First International Bank & Trust $8,485,000 $15,420,000 81.7% 8.3%
    U.S. Bank $16,930,000 $14,675,000 -13.3% 7.9%
    QUICKEN LOANS, LLC $5,425,000 $9,395,000 73.2% 5.1%
    CROSSCOUNTRY MORTGAGE, LLC $8,630,000 n/a 4.7%
    WESTERN COOPERATIVE CREDIT UNION $7,805,000 $7,485,000 -4.1% 4.0%
    Mortgage Research Center, LLC $3,990,000 $6,820,000 70.9% 3.7%
    GUARANTEED RATE, INC. $4,790,000 $6,440,000 34.4% 3.5%
    Starion Bank $5,275,000 n/a 2.8%
    V.I.P. MORTGAGE, INC. $5,010,000 n/a 2.7%
    UNITED WHOLESALE MORTGAGE, LLC $1,705,000 $3,745,000 119.6% 2.0%
    ORIX REAL ESTATE CAPITAL, LLC $3,005,000 n/a 1.6%
    Cornerstone Bank $2,990,000 n/a 1.6%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $880,000 $2,800,000 218.2% 1.5%
    GUILD MORTGAGE COMPANY $2,115,000 n/a 1.1%
    CARDINAL FINANCIAL $1,525,000 $1,865,000 22.3% 1.0%
    UNION HOME MORTGAGE CORP. $1,500,000 n/a 0.8%
    LOANDEPOT.COM, LLC $3,465,000 $1,485,000 -57.1% 0.8%
    Mr. Cooper ( Nationstar Mortgage ) $995,000 $1,470,000 47.7% 0.8%
    GUARANTEED RATE AFFINITY, LLC $275,000 $1,345,000 389.1% 0.7%
    NEWREZ LLC $1,410,000 $1,170,000 -17.0% 0.6%
    USAA Federal Savings Bank $455,000 $1,065,000 134.1% 0.6%
    NAVY FEDERAL CREDIT UNION $905,000 n/a 0.5%
    Barrington Bank & Trust Company, N.A. $645,000 $885,000 37.2% 0.5%
    PENNYMAC LOAN SERVICES, LLC $305,000 $765,000 150.8% 0.4%
    First Western Bank & Trust $670,000 $730,000 9.0% 0.4%
    FREEDOM MORTGAGE CORPORATION $325,000 $700,000 115.4% 0.4%
    JPMorgan Chase Bank $385,000 $680,000 76.6% 0.4%
    BANKWEST, INC. $130,000 $640,000 392.3% 0.3%
    AMERICAN FINANCING CORPORATION $570,000 n/a 0.3%
    Bank of England $985,000 $570,000 -42.1% 0.3%
    VALLEY MORTGAGE, INC. $555,000 n/a 0.3%
    21ST MORTGAGE CORPORATION $550,000 n/a 0.3%
    FIRST COMMUNITY MORTGAGE, INC. $530,000 n/a 0.3%
    Secured Investment Corp. $225,000 $515,000 128.9% 0.3%
    NBKC BANK $395,000 $510,000 29.1% 0.3%
    BROKER SOLUTIONS, INC. $1,045,000 $470,000 -55.0% 0.3%
    SUN WEST MORTGAGE COMPANY, INC. $590,000 $465,000 -21.2% 0.3%
    Dakota Community Bank & Trust $430,000 n/a 0.2%
    VILLAGE CAPITAL MORTGAGE $415,000 n/a 0.2%
    Dacotah Bank $405,000 n/a 0.2%
    First Savings Bank $395,000 $395,000 0.0% 0.2%
    Century Mortgage Company DBA Century Lending Company $390,000 n/a 0.2%
    SIRVA MORTGAGE, INC. $385,000 n/a 0.2%
    Cornerstone First Mortgage, Inc $365,000 n/a 0.2%
    OPEN MORTGAGE, LLC $365,000 n/a 0.2%
    Magnolia Bank $355,000 n/a 0.2%
    Stockman Bank of Montana $600,000 $345,000 -42.5% 0.2%
    Logan Finance Corporation $325,000 n/a 0.2%
    Flagstar Bank, FSB $915,000 $305,000 -66.7% 0.2%
    MORTGAGE ACCESS CORP. $305,000 n/a 0.2%
    The Federal Savings Bank $305,000 n/a 0.2%
    ZILLOW HOME LOANS, LLC $570,000 $305,000 -46.5% 0.2%
    Granite Community Bank $275,000 n/a 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $275,000 $275,000 0.0% 0.1%
    ALLIANT CREDIT UNION $265,000 n/a 0.1%
    Bell Bank $265,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $255,000 n/a 0.1%
    Ally Bank $235,000 n/a 0.1%
    ROUNDPOINT MORTGAGE SERVICING CORPORATION $235,000 n/a 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $215,000 n/a 0.1%
    AXIA FINANCIAL, LLC $205,000 n/a 0.1%
    Coastal Community Bank $200,000 n/a 0.1%
    Prosperity Home Mortgage, LLC $195,000 n/a 0.1%
    Great Plains National Bank $185,000 n/a 0.1%
    NFM, INC. $175,000 n/a 0.1%
    PLAZA HOME MORTGAGE, INC. $265,000 $165,000 -37.7% 0.1%
    Discover Bank $45,000 $140,000 211.1% 0.1%
    CAPITAL CREDIT UNION $125,000 n/a 0.1%
    HOMESIDE FINANCIAL, LLC $175,000 $105,000 -40.0% 0.1%
    AFFINITY PLUS $95,000 n/a 0.1%
    AMERISAVE MORTGAGE CORPORATION $360,000 $65,000 -81.9% 0.0%
    Bank of America $65,000 n/a 0.0%
    BETTER MORTGAGE CORPORATION $65,000 n/a 0.0%
    TRIAD FINANCIAL SERVICES, INC. $60,000 n/a 0.0%
    Figure Lending LLC $195,000 $35,000 -82.1% 0.0%
    QUORUM FEDERAL CREDIT UNION $35,000 n/a 0.0%
    TOWN AND COUNTRY Credit Union $390,000 $15,000 -96.2% 0.0%

    Williston's top lender by overall market share is Gate City Bank, with 17.6% market share. In second place, with 15.4%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $28,520,000 in loans. In third place, with 8.3%, is First International Bank & Trust, having originated $15,420,000 in loans. In fourth place, with 7.9%, is U.S. Bank, having originated $14,675,000 in loans. In fifth place, with 5.1%, is QUICKEN LOANS, LLC, having originated $9,395,000 in loans.

    Williston Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Williston (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 $234,500 (-3.1%) $261,852 (-1.9%) 0.00 171
    2018-02-01 $229,675 (-4.3%) $258,040 (-0.4%) 0.00 178
    2018-03-01 $229,900 (-6.8%) $259,740 (-1.6%) 0.00 185
    2018-04-01 $239,225 (-7.6%) $268,355 (-2.4%) 0.00 191
    2018-05-01 $250,000 (0.0%) $291,585 (9.6%) 0.00 201
    2018-06-01 $259,000 (6.2%) $296,289 (12.8%) 0.00 187
    2018-07-01 $257,225 (5.4%) $287,015 (-0.7%) 0.00 188
    2018-08-01 $260,000 (4.0%) $298,693 (1.4%) 0.00 195
    2018-09-01 $260,000 (4.0%) $294,428 (3.1%) 0.00 204
    2018-10-01 $247,450 (7.1%) $293,917 (8.3%) 0.00 192
    2018-11-01 $249,925 (9.5%) $300,911 (12.7%) 0.00 178
    2018-12-01 $239,900 (6.6%) $302,358 (11.3%) 0.00 158
    2019-01-01 $242,475 (3.4%) $323,069 (23.4%) 0.00 133
    2019-02-01 $239,900 (4.5%) $307,926 (19.3%) 0.00 119
    2019-03-01 $254,814 (10.8%) $319,863 (23.2%) 0.00 119
    2019-04-01 $266,089 (11.2%) $311,748 (16.2%) 0.00 124
    2019-05-01 $279,450 (11.8%) $300,216 (3.0%) 0.00 130
    2019-06-01 $300,000 (15.8%) $331,505 (11.9%) 0.00 161
    2019-07-01 $299,450 (16.4%) $334,588 (16.6%) 0.00 154
    2019-08-01 $301,836 (16.1%) $334,786 (12.1%) 0.00 155
    2019-09-01 $304,741 (17.2%) $331,558 (12.6%) 0.00 157
    2019-10-01 $302,677 (22.3%) $325,982 (10.9%) 0.00 162
    2019-11-01 $292,500 (17.0%) $322,336 (7.1%) 0.00 172
    2019-12-01 $300,000 (25.1%) $325,555 (7.7%) 0.00 165
    2020-01-01 $297,425 (22.7%) $320,172 (-0.9%) 0.00 135
    2020-02-01 $292,450 (21.9%) $325,187 (5.6%) 0.00 126
    2020-03-01 $304,825 (19.6%) $336,370 (5.2%) 0.00 133
    2020-04-01 $298,950 (12.4%) $330,959 (6.2%) 0.00 142
    2020-05-01 $292,900 (4.8%) $327,323 (9.0%) 0.00 155
    2020-06-01 $275,000 (-8.3%) $302,517 (-8.7%) 0.00 143
    2020-07-01 $275,000 (-8.2%) $303,277 (-9.4%) 0.00 146
    2020-08-01 $274,950 (-8.9%) $300,373 (-10.3%) 0.00 171
    2020-09-01 $289,500 (-5.0%) $297,724 (-10.2%) 0.00 182
    2020-10-01 $292,900 (-3.2%) $298,502 (-8.4%) 0.00 200
    2020-11-01 $279,975 (-4.3%) $305,533 (-5.2%) 0.00 212
    2020-12-01 $281,225 (-6.3%) $312,534 (-4.0%) 0.00 211
    2021-01-01 $289,000 (-2.8%) $318,611 (-0.5%) 0.00 202
    2021-02-01 $296,975 (1.6%) $326,215 (0.3%) 0.00 181
    2021-03-01 $299,000 (-1.9%) $327,156 (-2.7%) 0.00 176
    2021-04-01 $299,450 (0.2%) $330,487 (-0.1%) 0.00 177
    2021-05-01 $307,450 (5.0%) $331,269 (1.2%) 0.00 170
    2021-06-01 $321,500 (16.9%) $336,589 (11.3%) 0.00 167
    2021-07-01 $322,450 (17.3%) $335,036 (10.5%) 0.00 187
    2021-08-01 $294,450 (7.1%) $320,147 (6.6%) 0.00 201
    2021-09-01 $283,650 (-2.0%) $319,806 (7.4%) 0.00 190
    2021-10-01 $289,900 (-1.0%) $322,625 (8.1%) 0.00 185
    2021-11-01 $287,450 (2.7%) $323,426 (5.9%) 0.00 176
    2021-12-01 $271,250 (-3.6%) $318,384 (1.9%) 0.00 162
    2022-01-01 $297,500 (2.9%) $320,967 (0.7%) 0.00 130
    2022-02-01 $280,000 (-5.7%) $317,622 (-2.6%) 0.00 121
    2022-03-01 $354,975 (18.7%) $339,402 (3.7%) 0.00 93
    2022-04-01 $379,900 (26.9%) $354,371 (7.2%) 0.00 100
    2022-05-01 $377,450 (22.8%) $366,338 (10.6%) 0.00 99
    2022-06-01 $359,375 (11.8%) $364,040 (8.2%) 0.00 105
    2022-07-01 $375,000 (16.3%) $361,876 (8.0%) 0.00 128
    2022-08-01 $347,850 (18.1%) $349,436 (9.2%) 0.00 118
    2022-09-01 $357,450 (26.0%) $372,981 (16.6%) 0.00 119
    2022-10-01 $330,000 (13.8%) $383,425 (18.9%) 0.00 131
    2022-11-01 $359,900 (25.2%) $401,121 (24.0%) 0.00 128
    2022-12-01 $354,500 (30.7%) $405,862 (27.5%) 0.00 125
    2023-01-01 $381,175 (28.1%) $423,973 (32.1%) 0.00 123
    2023-02-01 $366,100 (30.8%) $421,709 (32.8%) 0.00 102
    2023-03-01 $379,950 (7.0%) $434,748 (28.1%) 0.00 88
    2023-04-01 $377,000 (-0.8%) $391,776 (10.6%) 0.00 70
    2023-05-01 $395,000 (4.7%) $398,439 (8.8%) 0.00 70
    2023-06-01 $437,250 (21.7%) $439,824 (20.8%) 0.00 76
    2023-07-01 $389,975 (4.0%) $453,276 (25.3%) 0.00 83
    2023-08-01 $397,500 (14.3%) $460,929 (31.9%) 0.00 85
    2023-09-01 $395,000 (10.5%) $445,112 (19.3%) 0.00 89
    2023-10-01 $359,750 (9.0%) $449,827 (17.3%) 0.00 96
    2023-11-01 $331,250 (-8.0%) $426,938 (6.4%) 0.00 92
    2023-12-01 $347,450 (-2.0%) $440,932 (8.6%) 0.00 92
    2024-01-01 $376,725 (-1.2%) $469,477 (10.7%) 0.00 83
    2024-02-01 $442,425 (20.9%) $486,210 (15.3%) 0.00 63
    2024-03-01 $510,000 (34.2%) $531,613 (22.3%) 0.00 55
    2024-04-01 $493,750 (31.0%) $548,116 (39.9%) 0.00 57
    2024-05-01 $459,600 (16.4%) $501,771 (25.9%) 0.00 63
    2024-06-01 $406,850 (-7.0%) $493,385 (12.2%) 0.00 71
    2024-07-01 $372,375 (-4.5%) $478,637 (5.6%) 0.00 75
    2024-08-01 $395,000 (-0.6%) $474,179 (2.9%) 0.00 79
    2024-09-01 $408,250 (3.4%) $484,900 (8.9%) 0.00 77
    2024-10-01 $399,975 (11.2%) $480,998 (6.9%) 0.00 67
    2024-11-01 $399,450 (20.6%) $488,864 (14.5%) 0.00 71
    2024-12-01 $406,000 (16.9%) $504,876 (14.5%) 0.00 66
    2025-01-01 $436,200 (15.8%) $507,575 (8.1%) 0.00 65
    2025-02-01 $467,475 (5.7%) $537,636 (10.6%) 0.00 48
    2025-03-01 $408,750 (-19.9%) $475,900 (-10.5%) 0.00 46
    Williston's median listing price for 2025-03-01 was $408,750, a difference of $-101,250 (-19.9%) versus the prior year and $-58,725 versus the prior month.

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

    Williston's average listing price for 2025-03-01 was $475,900, a difference of $-55,713 (-10.5%) versus the prior year and $-61,736 versus the prior month.

    For the 2025-03-01 period, Williston had 46 MLS listings, a difference of -2 listings (-4%) versus the prior month and -9 listings (-16%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Williston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,001 sqft
    2018-02-01 0 days 1,870 sqft
    2018-03-01 0 days 1,813 sqft
    2018-04-01 0 days 1,901 sqft
    2018-05-01 0 days 2,000 sqft
    2018-06-01 0 days 1,978 sqft
    2018-07-01 0 days 1,931 sqft
    2018-08-01 0 days 1,994 sqft
    2018-09-01 0 days 1,989 sqft
    2018-10-01 0 days 1,891 sqft
    2018-11-01 0 days 1,904 sqft
    2018-12-01 0 days 1,914 sqft
    2019-01-01 0 days 1,943 sqft
    2019-02-01 0 days 1,938 sqft
    2019-03-01 0 days 1,930 sqft
    2019-04-01 0 days 1,899 sqft
    2019-05-01 0 days 1,878 sqft
    2019-06-01 0 days 2,038 sqft
    2019-07-01 0 days 2,087 sqft
    2019-08-01 0 days 2,160 sqft
    2019-09-01 0 days 2,205 sqft
    2019-10-01 0 days 2,188 sqft
    2019-11-01 0 days 2,130 sqft
    2019-12-01 0 days 2,106 sqft
    2020-01-01 0 days 2,079 sqft
    2020-02-01 0 days 2,013 sqft
    2020-03-01 0 days 2,025 sqft
    2020-04-01 0 days 2,083 sqft
    2020-05-01 0 days 2,084 sqft
    2020-06-01 0 days 2,056 sqft
    2020-07-01 0 days 2,046 sqft
    2020-08-01 0 days 2,072 sqft
    2020-09-01 0 days 2,030 sqft
    2020-10-01 0 days 2,150 sqft
    2020-11-01 0 days 2,030 sqft
    2020-12-01 0 days 2,083 sqft
    2021-01-01 0 days 2,128 sqft
    2021-02-01 0 days 2,202 sqft
    2021-03-01 0 days 2,184 sqft
    2021-04-01 0 days 2,243 sqft
    2021-05-01 0 days 2,280 sqft
    2021-06-01 0 days 2,272 sqft
    2021-07-01 0 days 2,244 sqft
    2021-08-01 0 days 2,097 sqft
    2021-09-01 0 days 2,099 sqft
    2021-10-01 0 days 2,156 sqft
    2021-11-01 0 days 2,196 sqft
    2021-12-01 0 days 2,150 sqft
    2022-01-01 0 days 2,174 sqft
    2022-02-01 0 days 2,189 sqft
    2022-03-01 0 days 1,895 sqft
    2022-04-01 0 days 1,820 sqft
    2022-05-01 0 days 1,805 sqft
    2022-06-01 0 days 1,897 sqft
    2022-07-01 0 days 1,832 sqft
    2022-08-01 0 days 1,821 sqft
    2022-09-01 0 days 1,823 sqft
    2022-10-01 0 days 1,890 sqft
    2022-11-01 0 days 1,906 sqft
    2022-12-01 0 days 1,847 sqft
    2023-01-01 0 days 1,821 sqft
    2023-02-01 0 days 1,741 sqft
    2023-03-01 0 days 1,785 sqft
    2023-04-01 0 days 1,756 sqft
    2023-05-01 0 days 1,735 sqft
    2023-06-01 0 days 1,850 sqft
    2023-07-01 0 days 1,880 sqft
    2023-08-01 0 days 1,913 sqft
    2023-09-01 0 days 1,879 sqft
    2023-10-01 0 days 1,921 sqft
    2023-11-01 0 days 1,878 sqft
    2023-12-01 0 days 1,886 sqft
    2024-01-01 0 days 1,886 sqft
    2024-02-01 0 days 1,897 sqft
    2024-03-01 0 days 1,938 sqft
    2024-04-01 0 days 2,038 sqft
    2024-05-01 0 days 1,960 sqft
    2024-06-01 0 days 1,909 sqft
    2024-07-01 0 days 1,884 sqft
    2024-08-01 0 days 1,868 sqft
    2024-09-01 0 days 1,853 sqft
    2024-10-01 0 days 1,848 sqft
    2024-11-01 0 days 1,899 sqft
    2024-12-01 0 days 1,976 sqft
    2025-01-01 0 days 1,993 sqft
    2025-02-01 0 days 2,193 sqft
    2025-03-01 0 days 2,065 sqft
    Williston's median listing age (time on market) for 2025-03-01 was 0 days.

    Williston's median square footage for active listings during the 2025-03-01 period was 2,065 sqft. One year prior, the average listing was 1,938 sqft.

    Williston, ND Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 463 $144,915,000 $312,991
    Refi 62 $23,470,000 $378,548
    Home Improvement 55 $4,785,000 $87,000
    Cash Out Refi 42 $8,350,000 $198,810
    Other 38 $3,840,000 $101,053

    Williston's most frequently cited loan purpose was Home Purchase, with 463 originations. The 2nd most popular reason was Refi, with 62 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 247 $79,725,000 $322,773
    5-6% 139 $43,405,000 $312,266
    7-8% 126 $36,210,000 $287,381
    Over 8% 121 $19,175,000 $158,471
    4-5% 20 $6,030,000 $301,500
    <2.5% 3 $35,000 $11,667
    2.5-3% 2 $260,000 $130,000

    During 2024, Williston's most frequently originated rate bucket was 6-7%, with 247 originations.

    Loan Sizing (Williston, ND MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 335 $99,415,000 $296,761
    $100k-200k 119 $17,575,000 $147,689
    $100,000 or less 98 $5,280,000 $53,878
    $400k-600k 92 $43,320,000 $470,870
    $600k-1000k 11 $7,435,000 $675,909
    $Over $1MM 5 $12,335,000 $2,467,000

    Williston's loan sizing saw the bucket of loans from $200k-400k with 335 originations, totaling $99,415,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 390 $123,460,000 $316,564
    60-80% 95 $35,585,000 $374,579
    Under 20% 68 $3,590,000 $52,794
    20-40% 59 $6,875,000 $116,525
    40-60% 28 $6,440,000 $230,000
    Over 100% 14 $7,500,000 $535,714

    Williston's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 390 originations, totaling $123,460,000 in origination value.