Williston Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Williston averaged 6.43% for the week of 2023-05-25, compared to the national average of 6.57% for the same period.

The average rate for the prior week (2023-05-18) was 6.15% and one month ago for the week of 2023-04-20, the average rate was 6.15%.

Williston's average rate one year ago was 4.91%.

For refis of the same type during the week of 2023-05-25, the average rate was 7.07%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-05-25 6.57%
Williston 30 Year Fixed Rate 2023-05-25 6.43%
Williston 30 Year Fixed Rate Refi 2023-05-25 7.07%
Williston 15 Year Fixed Rate 2023-05-25 5.77%
Williston 15 Year Fixed Rate Refi 2023-05-25 5.87%
Williston 30 Year FHA 2023-05-25 6.16%
Williston 30 Year FHA Refi 2023-05-25 6.71%
Williston 30 Year USDA 2023-05-25 6.53%
Williston 30 Year USDA Refi 2023-05-25 6.63%
Williston 30 Year VA 2023-05-25 6.31%
Williston 30 Year VA Refi 2023-05-25 6.21%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Gate City Bank 56 4.19% $6,133
U.S. Bank 53 4.83% $4,325
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 33 5.26% $5,320
First International Bank & Trust 24 5.41% $2,829
WESTERN COOPERATIVE CREDIT UNION 22 5.02% $5,794
Unify Home Lending Inc. 16 5.47% $4,392
LOANDEPOT.COM, LLC 13 5.18% $6,313
AMCAP MORTGAGE, LTD. 13 5.16% $5,581
HOME POINT FINANCIAL CORPORATION 10 4.83% $4,795
QUICKEN LOANS, LLC 8 5.11% $6,185
Wells Fargo Bank 5 4.88% $6,524
CARDINAL FINANCIAL 5 4.55% $10,309
UNITED WHOLESALE MORTGAGE, LLC 5 5.97% $7,229
BROKER SOLUTIONS, INC. 4 5.15% $7,773
ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 5.15% $3,563
Mr. Cooper ( Nationstar Mortgage ) 4 5.31% $5,621
GUILD MORTGAGE COMPANY 3 4.67% $6,086
TOWN AND COUNTRY Credit Union 3 4.79% $4,889
GUARANTEED RATE, INC. 3 5.55% $4,240
ZILLOW HOME LOANS, LLC 2 4.50% $8,492
PENNYMAC LOAN SERVICES, LLC 2 4.75% $4,600
GUARANTEED RATE AFFINITY, LLC 1 5.38% $0
Flagstar Bank, FSB 1 3.39% $6,779
Deerwood Bank 1 3.88% $3,916
Dacotah Bank 1 5.38% $5,942
HOMESTAR FINANCIAL CORPORATION 1 4.00% $4,165
LAKEVIEW LOAN SERVICING, LLC 1 4.13% $4,360
CROSSCOUNTRY MORTGAGE, LLC 1 3.75% $6,783
MANN FINANCIAL INC. 1 5.13% $3,884
Mortgage Research Center, LLC 1 5.99% $1,883
Colonial Savings, F.A. 1 3.75% $4,133
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.25% $6,418
NAVY FEDERAL CREDIT UNION 1 5.50% $1,898
Northpointe Bank 1 4.88% $3,172
21ST MORTGAGE CORPORATION 1 8.55% $3,430
PENTAGON FEDERAL CREDIT UNION 1 3.13% $1,251
Plains Commerce Bank 1 4.63% $11,976
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 4.99% $1,218
CHURCHILL MORTGAGE CORPORATION 1 5.63% $4,715
RBC Bank, (Georgia) 1 6.00% $3,023
The Huntington National Bank 1 4.13% $4,114
BOKF 1 3.75% $3,138
BMO Harris Bank 1 5.25% $4,633
BANKWEST, INC. 1 4.00% $4,066
AMERISAVE MORTGAGE CORPORATION 1 3.88% $5,877
American Mortgage & Equity Consultants, Inc. 1 3.63% $6,192
AFFINITY PLUS 1 3.13% $4,333
Western State Bank 1 3.50% $3,201
Gateway First Bank 1 3.88% $0

Williston Average Closing Costs & Other Stats

Williston, ND's 49 lenders originated 713 loans during 2022. The total origination value was $198,925,000, with an average loan value of $278,997.

Williston's average closing costs are $6,052.

The top Williston lender as defined by loan originations is Gate City Bank, with 56 loans originated. Their average total fees are $6,133, which is $1,808 higher than the next largest lender, U.S. Bank.

The lowest fee Williston lenders (with over 10 loans originated) are First International Bank & Trust ($2,829), U.S. Bank ($4,325), Unify Home Lending Inc. ($4,392), HOME POINT FINANCIAL CORPORATION ($4,795) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($5,320).

The lowest rate Williston lenders (with over 10 loans originated) are Gate City Bank (4.19%), U.S. Bank (4.83%), HOME POINT FINANCIAL CORPORATION (4.83%), WESTERN COOPERATIVE CREDIT UNION (5.02%) and AMCAP MORTGAGE, LTD. (5.16%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
Gate City Bank $41,050,000 $27,660,000 -32.6% 13.9%
U.S. Bank $18,650,000 $20,705,000 11.0% 10.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $20,570,000 $17,255,000 -16.1% 8.7%
First International Bank & Trust $20,415,000 $14,110,000 -30.9% 7.1%
AMCAP MORTGAGE, LTD. $9,940,000 $10,015,000 0.8% 5.0%
WESTERN COOPERATIVE CREDIT UNION $9,570,000 $9,640,000 0.7% 4.8%
Unify Home Lending Inc. $16,970,000 $8,025,000 -52.7% 4.0%
LOANDEPOT.COM, LLC $14,765,000 $7,815,000 -47.1% 3.9%
Associated Bank $7,805,000 n/a 3.9%
QUICKEN LOANS, LLC $26,755,000 $7,300,000 -72.7% 3.7%
GUARANTEED RATE, INC. $15,685,000 $7,170,000 -54.3% 3.6%
Dacotah Bank $1,550,000 $6,485,000 318.4% 3.3%
Mortgage Research Center, LLC $6,795,000 $4,955,000 -27.1% 2.5%
UNITED WHOLESALE MORTGAGE, LLC $3,015,000 $3,035,000 0.7% 1.5%
HOME POINT FINANCIAL CORPORATION $9,705,000 $2,940,000 -69.7% 1.5%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $8,480,000 $2,690,000 -68.3% 1.4%
Mr. Cooper ( Nationstar Mortgage ) $795,000 $2,680,000 237.1% 1.3%
Wells Fargo Bank $2,185,000 $2,440,000 11.7% 1.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $3,790,000 $2,140,000 -43.5% 1.1%
FREEDOM MORTGAGE CORPORATION $9,820,000 $1,870,000 -81.0% 0.9%
Cornerstone Bank $55,000 $1,515,000 2,654.5% 0.8%
Hometown Lenders, Inc. $1,380,000 n/a 0.7%
PENNYMAC LOAN SERVICES, LLC $3,060,000 $1,345,000 -56.0% 0.7%
USAA Federal Savings Bank $1,060,000 $1,235,000 16.5% 0.6%
BANKWEST, INC. $1,970,000 $1,115,000 -43.4% 0.6%
American Bank Center $420,000 $1,100,000 161.9% 0.6%
TOWN AND COUNTRY Credit Union $1,060,000 $1,090,000 2.8% 0.5%
Flagstar Bank, FSB $1,415,000 $1,065,000 -24.7% 0.5%
GUILD MORTGAGE COMPANY $7,330,000 $1,020,000 -86.1% 0.5%
CALIBER HOME LOANS, INC. $3,700,000 $935,000 -74.7% 0.5%
BROKER SOLUTIONS, INC. $900,000 $875,000 -2.8% 0.4%
Plains Commerce Bank $485,000 $870,000 79.4% 0.4%
AMERISAVE MORTGAGE CORPORATION $3,945,000 $860,000 -78.2% 0.4%
AMERICAN FINANCING CORPORATION $1,095,000 $735,000 -32.9% 0.4%
JPMorgan Chase Bank $1,005,000 $705,000 -29.9% 0.4%
IncredibleBank $655,000 n/a 0.3%
ZILLOW HOME LOANS, LLC $395,000 $650,000 64.6% 0.3%
NAVY FEDERAL CREDIT UNION $2,080,000 $605,000 -70.9% 0.3%
The Federal Savings Bank $710,000 $600,000 -15.5% 0.3%
Armed Forces Bank $555,000 n/a 0.3%
American Mortgage & Equity Consultants, Inc. $185,000 $455,000 145.9% 0.2%
Royal Credit Union $455,000 n/a 0.2%
First Interstate Bank $450,000 n/a 0.2%
NEWREZ LLC $2,900,000 $440,000 -84.8% 0.2%
Unison Bank $125,000 $435,000 248.0% 0.2%
LAKEVIEW LOAN SERVICING, LLC $1,845,000 $430,000 -76.7% 0.2%
Amerifirst Financial, Inc. $425,000 n/a 0.2%
Barrington Bank & Trust Company, N.A. $320,000 $410,000 28.1% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $400,000 $410,000 2.5% 0.2%
Colonial Savings, F.A. $405,000 n/a 0.2%
CROSSCOUNTRY MORTGAGE, LLC $405,000 n/a 0.2%
RBC Bank, (Georgia) $395,000 n/a 0.2%
MID AMERICA MORTGAGE, INC. $660,000 $385,000 -41.7% 0.2%
HOMESTAR FINANCIAL CORPORATION $265,000 $355,000 34.0% 0.2%
The Huntington National Bank $205,000 $345,000 68.3% 0.2%
Kirkwood Bank & Trust Co. $855,000 $340,000 -60.2% 0.2%
Willamette Valley Bank $790,000 $325,000 -58.9% 0.2%
CAPITAL CREDIT UNION $255,000 $315,000 23.5% 0.2%
Ally Bank $345,000 $305,000 -11.6% 0.2%
BOKF $305,000 n/a 0.2%
Bank of England $4,480,000 $285,000 -93.6% 0.1%
Northpointe Bank $285,000 n/a 0.1%
Gateway First Bank $385,000 $275,000 -28.6% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $3,165,000 $275,000 -91.3% 0.1%
21ST MORTGAGE CORPORATION $35,000 $270,000 671.4% 0.1%
Lend Smart Mortgage, LLC $265,000 n/a 0.1%
NATIONS RELIABLE LENDING, LLC $265,000 n/a 0.1%
Stockman Bank of Montana $255,000 $265,000 3.9% 0.1%
Commerce Home Mortgage, Inc. $245,000 n/a 0.1%
The Central Trust Bank $245,000 n/a 0.1%
EVERETT FINANCIAL, INC. $235,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $235,000 n/a 0.1%
AFFINITY PLUS $215,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $215,000 n/a 0.1%
VILLAGE CAPITAL MORTGAGE $985,000 $195,000 -80.2% 0.1%
American National Bank of Minnesota $165,000 n/a 0.1%
First Savings Bank $770,000 $165,000 -78.6% 0.1%
THRIVENT Federal Credit Union $160,000 n/a 0.1%
MANN FINANCIAL INC. $255,000 $155,000 -39.2% 0.1%
BMO Harris Bank $145,000 n/a 0.1%
GUARANTEED RATE AFFINITY, LLC $145,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $125,000 n/a 0.1%
Western State Bank $125,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $165,000 $115,000 -30.3% 0.1%
Deerwood Bank $115,000 n/a 0.1%
Figure Lending LLC $105,000 n/a 0.1%
AMERICAN ADVISORS GROUP $65,000 n/a 0.0%
Centier Bank $55,000 n/a 0.0%
Discover Bank $125,000 $55,000 -56.0% 0.0%
STAR USA FEDERAL CREDIT UNION $25,000 n/a 0.0%

Williston's top lender by overall market share is Gate City Bank, with 13.9% market share. In second place, with 10.4%, is U.S. Bank, having originated $20,705,000 in loans. In third place, with 8.7%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $17,255,000 in loans. In fourth place, with 7.1%, is First International Bank & Trust, having originated $14,110,000 in loans. In fifth place, with 5.0%, is AMCAP MORTGAGE, LTD., having originated $10,015,000 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 (-4.6%) $258,040 (-1.8%) 0.00 178
2018-03-01 $229,900 (-6.9%) $259,740 (-2.8%) 0.00 185
2018-04-01 $238,000 (-8.3%) $267,166 (-4.2%) 0.00 192
2018-05-01 $250,000 (0.0%) $290,368 (7.5%) 0.00 202
2018-06-01 $257,000 (4.1%) $294,954 (10.6%) 0.00 188
2018-07-01 $256,950 (4.5%) $285,713 (-1.3%) 0.00 189
2018-08-01 $259,975 (3.8%) $297,400 (0.8%) 0.00 196
2018-09-01 $259,950 (4.0%) $294,428 (2.9%) 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 $245,000 (6.6%) $316,140 (21.7%) 0.00 115
2019-04-01 $266,950 (12.2%) $311,860 (16.7%) 0.00 124
2019-05-01 $279,450 (11.8%) $300,216 (3.4%) 0.00 130
2019-06-01 $300,000 (16.7%) $331,505 (12.4%) 0.00 161
2019-07-01 $299,450 (16.5%) $334,588 (17.1%) 0.00 154
2019-08-01 $299,900 (15.4%) $337,806 (13.6%) 0.00 165
2019-09-01 $284,950 (9.6%) $325,802 (10.7%) 0.00 147
2019-10-01 $294,450 (19.0%) $323,589 (10.1%) 0.00 164
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 (24.4%) $336,370 (6.4%) 0.00 133
2020-04-01 $298,950 (12.0%) $330,959 (6.1%) 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 (-8.3%) $300,373 (-11.1%) 0.00 171
2020-09-01 $289,500 (1.6%) $297,724 (-8.6%) 0.00 182
2020-10-01 $292,900 (-0.5%) $298,502 (-7.8%) 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 $352,450 (17.9%) $338,990 (3.6%) 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 (7.8%) $434,748 (28.3%) 0.00 88
2023-04-01 $377,000 (-0.8%) $391,776 (10.6%) 0.00 70
Williston's median listing price for 2023-04-01 was $377,000, a difference of $-2,900 (-0.8%) versus the prior year and $-2,950 versus the prior month.

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

Williston's average listing price for 2023-04-01 was $391,776, a difference of $37,405 (10.6%) versus the prior year and $-42,972 versus the prior month.

For the 2023-04-01 period, Williston had 70 MLS listings, a difference of -18 listings (-20%) versus the prior month and -30 listings (-30%) 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 2,004 sqft
2018-02-01 0 days 1,886 sqft
2018-03-01 0 days 1,819 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 1,900 sqft
2018-11-01 0 days 1,921 sqft
2018-12-01 0 days 1,920 sqft
2019-01-01 0 days 1,956 sqft
2019-02-01 0 days 1,952 sqft
2019-03-01 0 days 1,983 sqft
2019-04-01 0 days 1,899 sqft
2019-05-01 0 days 1,882 sqft
2019-06-01 0 days 2,040 sqft
2019-07-01 0 days 2,091 sqft
2019-08-01 0 days 2,112 sqft
2019-09-01 0 days 2,160 sqft
2019-10-01 0 days 2,158 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
Williston's median listing age (time on market) for 2023-04-01 was 0 days.

Williston's median square footage for active listings during the 2023-04-01 period was 1,756 sqft. One year prior, the average listing was 1,820 sqft.

Williston, ND Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 507 $153,745,000 $303,245
Refi 78 $26,380,000 $338,205
Cash Out Refi 60 $13,840,000 $230,667
Home Improvement 47 $3,135,000 $66,702
Other 21 $1,825,000 $86,905

Williston's most frequently cited loan purpose was Home Purchase, with 507 originations. The 2nd most popular reason was Refi, with 78 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 187 $57,075,000 $305,214
4-5% 172 $44,910,000 $261,105
3-4% 167 $51,965,000 $311,168
6-7% 87 $22,935,000 $263,621
2.5-3% 37 $10,185,000 $275,270
7-8% 34 $7,020,000 $206,471
<2.5% 14 $3,250,000 $232,143
Over 8% 11 $645,000 $58,636

During 2022, Williston's most frequently originated rate bucket was 5-6%, with 187 originations.

Loan Sizing (Williston, ND MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 394 $114,200,000 $289,848
$100k-200k 149 $22,225,000 $149,161
$100,000 or less 82 $4,620,000 $56,341
$400k-600k 74 $34,460,000 $465,676
$600k-1000k 9 $6,695,000 $743,889
$Over $1MM 5 $16,725,000 $3,345,000

Williston's loan sizing saw the bucket of loans from $200k-400k with 394 originations, totaling $114,200,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 443 $135,265,000 $305,339
60-80% 125 $40,065,000 $320,520
Under 20% 47 $2,355,000 $50,106
20-40% 38 $4,030,000 $106,053
40-60% 38 $10,760,000 $283,158
Over 100% 12 $3,640,000 $303,333

Williston's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 443 originations, totaling $135,265,000 in origination value.