Williston Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Williston averaged 6.67% for the week of 2025-03-13, compared to the national average of 6.65% for the same period.

    The average rate for the prior week (2025-03-06) was 6.75% and one month ago for the week of 2025-02-06, the average rate was 6.71%.

    Williston's average rate one year ago was 6.8%.

    For refis of the same type during the week of 2025-03-13, the average rate was 7.15%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-03-13 6.65%
    Williston 30 Year Fixed Rate 2025-03-13 6.67%
    Williston 30 Year Fixed Rate Refi 2025-03-13 7.15%
    Williston 15 Year Fixed Rate 2025-03-13 5.9%
    Williston 15 Year Fixed Rate Refi 2025-03-13 6.4%
    Williston 30 Year FHA 2025-03-13 6.52%
    Williston 30 Year FHA Refi 2025-03-13 6.45%
    Williston 30 Year USDA 2025-03-13 6.2%
    Williston 30 Year USDA Refi 2025-03-13 6.3%
    Williston 30 Year VA 2025-03-13 6.37%
    Williston 30 Year VA Refi 2025-03-13 6.17%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 45 6.72% $6,455
    Gate City Bank 36 6.18% $6,210
    U.S. Bank 32 6.83% $3,960
    WESTERN COOPERATIVE CREDIT UNION 13 6.49% $5,022
    MANN FINANCIAL INC. 11 5.26% $573
    AMCAP MORTGAGE, LTD. 6 6.88% $6,368
    QUICKEN LOANS, LLC 6 6.96% $9,355
    First International Bank & Trust 6 7.08% $2,964
    LOANDEPOT.COM, LLC 5 6.73% $8,508
    Unify Home Lending Inc. 4 6.56% $7,023
    UNITED WHOLESALE MORTGAGE, LLC 3 7.00% $5,579
    GUARANTEED RATE, INC. 3 7.54% $6,928
    NEWREZ LLC 3 7.46% $7,648
    CRESCENT MORTGAGE COMPANY 2 7.44% $4,832
    BROKER SOLUTIONS, INC. 2 6.42% $8,756
    Mr. Cooper ( Nationstar Mortgage ) 2 7.06% $7,640
    Wells Fargo Bank 2 5.69% $14,295
    BAY EQUITY LLC 1 6.38% $10,211
    Barrington Bank & Trust Company, N.A. 1 7.63% $3,612
    Mortgage Research Center, LLC 1 5.99% $504
    MOVEMENT MORTGAGE, LLC 1 6.38% $7,497
    American Mortgage & Equity Consultants, Inc. 1 7.38% $8,563
    NBKC BANK 1 6.38% $2,698
    Flagstar Bank, FSB 1 6.63% $6,350
    PENTAGON FEDERAL CREDIT UNION 1 5.63% $5,402
    BANKWEST, INC. 1 6.63% $3,803
    Stockman Bank of Montana 1 6.50% $5,755
    TOWN AND COUNTRY Credit Union 1 6.63% $4,579
    First Western Bank & Trust 1 7.13% $5,073
    Choice Financial Group 1 6.50% $3,067
    ANGEL OAK MORTGAGE SOLUTIONS LLC 1 11.25% $14,048
    ZILLOW HOME LOANS, LLC 1 7.88% $6,189
    GUARANTEED RATE AFFINITY, LLC 1 6.38% $0
    JPMorgan Chase Bank 1 6.38% $101

    Williston Average Closing Costs & Other Stats

    Williston, ND's 34 lenders originated 528 loans during 2023. The total origination value was $141,110,000, with an average loan value of $267,254.

    Williston's average closing costs are $6,237.

    The top Williston lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 45 loans originated. Their average total fees are $6,455, which is $245 higher than the next largest lender, Gate City Bank.

    The lowest fee Williston lenders (with over 10 loans originated) are MANN FINANCIAL INC. ($573), U.S. Bank ($3,960), WESTERN COOPERATIVE CREDIT UNION ($5,022), Gate City Bank ($6,210) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($6,455).

    The lowest rate Williston lenders (with over 10 loans originated) are MANN FINANCIAL INC. (5.26%), Gate City Bank (6.18%), WESTERN COOPERATIVE CREDIT UNION (6.49%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.72%) and U.S. Bank (6.83%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $17,255,000 $31,560,000 82.9% 22.4%
    Gate City Bank $27,660,000 $24,415,000 -11.7% 17.3%
    U.S. Bank $20,705,000 $16,930,000 -18.2% 12.0%
    First International Bank & Trust $14,110,000 $8,485,000 -39.9% 6.0%
    WESTERN COOPERATIVE CREDIT UNION $9,640,000 $7,805,000 -19.0% 5.5%
    QUICKEN LOANS, LLC $7,300,000 $5,425,000 -25.7% 3.8%
    Unify Home Lending Inc. $8,025,000 $4,835,000 -39.8% 3.4%
    GUARANTEED RATE, INC. $7,170,000 $4,790,000 -33.2% 3.4%
    Mortgage Research Center, LLC $4,955,000 $3,990,000 -19.5% 2.8%
    LOANDEPOT.COM, LLC $7,815,000 $3,465,000 -55.7% 2.5%
    AMCAP MORTGAGE, LTD. $10,015,000 $3,050,000 -69.5% 2.2%
    MANN FINANCIAL INC. $155,000 $1,885,000 1,116.1% 1.3%
    UNITED WHOLESALE MORTGAGE, LLC $3,035,000 $1,705,000 -43.8% 1.2%
    CARDINAL FINANCIAL $2,690,000 $1,525,000 -43.3% 1.1%
    Wells Fargo Bank $2,440,000 $1,465,000 -40.0% 1.0%
    NEWREZ LLC $440,000 $1,410,000 220.5% 1.0%
    BAY EQUITY LLC $1,055,000 n/a 0.7%
    BROKER SOLUTIONS, INC. $875,000 $1,045,000 19.4% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $2,680,000 $995,000 -62.9% 0.7%
    Bank of England $285,000 $985,000 245.6% 0.7%
    Flagstar Bank, FSB $1,065,000 $915,000 -14.1% 0.6%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $2,140,000 $880,000 -58.9% 0.6%
    CRESCENT MORTGAGE COMPANY $805,000 n/a 0.6%
    First Western Bank & Trust $670,000 n/a 0.5%
    Barrington Bank & Trust Company, N.A. $410,000 $645,000 57.3% 0.5%
    Stockman Bank of Montana $265,000 $600,000 126.4% 0.4%
    SUN WEST MORTGAGE COMPANY, INC. $590,000 n/a 0.4%
    ZILLOW HOME LOANS, LLC $650,000 $570,000 -12.3% 0.4%
    ANGEL OAK MORTGAGE SOLUTIONS LLC $545,000 n/a 0.4%
    American Mortgage & Equity Consultants, Inc. $455,000 $535,000 17.6% 0.4%
    Paramount Residential Mortgage Group, Inc. $530,000 n/a 0.4%
    USAA Federal Savings Bank $1,235,000 $455,000 -63.2% 0.3%
    First Savings Bank $165,000 $395,000 139.4% 0.3%
    NBKC BANK $395,000 n/a 0.3%
    TOWN AND COUNTRY Credit Union $1,090,000 $390,000 -64.2% 0.3%
    JPMorgan Chase Bank $705,000 $385,000 -45.4% 0.3%
    Plains Commerce Bank $870,000 $385,000 -55.7% 0.3%
    AMERISAVE MORTGAGE CORPORATION $860,000 $360,000 -58.1% 0.3%
    MOVEMENT MORTGAGE, LLC $345,000 n/a 0.2%
    FREEDOM MORTGAGE CORPORATION $1,870,000 $325,000 -82.6% 0.2%
    Carrington Mortgage Services, LLC $305,000 n/a 0.2%
    PENNYMAC LOAN SERVICES, LLC $1,345,000 $305,000 -77.3% 0.2%
    CHURCHILL MORTGAGE CORPORATION $115,000 $285,000 147.8% 0.2%
    GUARANTEED RATE AFFINITY, LLC $145,000 $275,000 89.7% 0.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $275,000 $275,000 0.0% 0.2%
    PLAZA HOME MORTGAGE, INC. $265,000 n/a 0.2%
    Choice Financial Group $255,000 n/a 0.2%
    HOMESTAR FINANCIAL CORPORATION $355,000 $235,000 -33.8% 0.2%
    Secured Investment Corp. $225,000 n/a 0.2%
    Figure Lending LLC $105,000 $195,000 85.7% 0.1%
    Nations Lending Corporation $185,000 n/a 0.1%
    HOMESIDE FINANCIAL, LLC $175,000 n/a 0.1%
    BANKWEST, INC. $1,115,000 $130,000 -88.3% 0.1%
    PENTAGON FEDERAL CREDIT UNION $215,000 $115,000 -46.5% 0.1%
    Black Hills Community Bank $65,000 n/a 0.0%
    Deere Employees Credit Union $45,000 n/a 0.0%
    Discover Bank $55,000 $45,000 -18.2% 0.0%
    Centier Bank $55,000 $35,000 -36.4% 0.0%

    Williston's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 22.4% market share. In second place, with 17.3%, is Gate City Bank, having originated $24,415,000 in loans. In third place, with 12.0%, is U.S. Bank, having originated $16,930,000 in loans. In fourth place, with 6.0%, is First International Bank & Trust, having originated $8,485,000 in loans. In fifth place, with 5.5%, is WESTERN COOPERATIVE CREDIT UNION, having originated $7,805,000 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
    Williston's median listing price for 2025-02-01 was $467,475, a difference of $25,050 (5.7%) versus the prior year and $31,275 versus the prior month.

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

    Williston's average listing price for 2025-02-01 was $537,636, a difference of $51,426 (10.6%) versus the prior year and $30,061 versus the prior month.

    For the 2025-02-01 period, Williston had 48 MLS listings, a difference of -17 listings (-26%) versus the prior month and -15 listings (-24%) 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
    Williston's median listing age (time on market) for 2025-02-01 was 0 days.

    Williston's median square footage for active listings during the 2025-02-01 period was 2,193 sqft. One year prior, the average listing was 1,897 sqft.

    Williston, ND Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 402 $120,450,000 $299,627
    Home Improvement 48 $4,540,000 $94,583
    Refi 34 $7,460,000 $219,412
    Cash Out Refi 23 $5,985,000 $260,217
    Other 21 $2,675,000 $127,381

    Williston's most frequently cited loan purpose was Home Purchase, with 402 originations. The 2nd most popular reason was Home Improvement, with 48 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 246 $71,050,000 $288,821
    7-8% 117 $31,505,000 $269,274
    5-6% 88 $23,860,000 $271,136
    Over 8% 59 $10,585,000 $179,407
    3-4% 8 $2,210,000 $276,250
    2.5-3% 5 $685,000 $137,000
    4-5% 4 $1,150,000 $287,500

    During 2023, Williston's most frequently originated rate bucket was 6-7%, with 246 originations.

    Loan Sizing (Williston, ND MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 274 $81,280,000 $296,642
    $100k-200k 99 $15,245,000 $153,990
    $100,000 or less 76 $4,110,000 $54,079
    $400k-600k 68 $31,060,000 $456,765
    $600k-1000k 9 $6,305,000 $700,556
    $Over $1MM 2 $3,110,000 $1,555,000

    Williston's loan sizing saw the bucket of loans from $200k-400k with 274 originations, totaling $81,280,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 345 $104,575,000 $303,116
    60-80% 67 $19,845,000 $296,194
    Under 20% 49 $2,255,000 $46,020
    20-40% 32 $5,750,000 $179,688
    40-60% 18 $3,890,000 $216,111
    Over 100% 15 $4,395,000 $293,000

    Williston's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 345 originations, totaling $104,575,000 in origination value.