North Dakota Mortgage Lenders and Rates (ND)

Everyone should be aware that finding the right mortgage and rate in North Dakota can save thousands of dollars. was created with that goal in mind. If you are looking for Lenders, Mortgage Rates, or Mortgage Brokers – we’ve got it. When you fill out our mortgage quote form, you’ll get offers from 2-4 different lenders, so they’ll be competing for your loan, saving you money.

Request a free online North Dakota Mortgage Quote>>

Featured Mortgage Lenders in North Dakota

North Dakota Mortgage Quick Facts

North Dakota State Population: 642,200*
Median North Dakota House Price: $74,000* 
Total North Dakota Housing Units: 
House Ownership Rate in North Dakota
: 66.6%*

Types of Mortgage Loans Available in North Dakota

How Your Credit Score Affects Your Mortgage Rate

Before anything else, you’ll need to know what your current credit score is . You should compare that against the average North Dakota consumer credit score which is 707. And the national average credit score is 677. Your credit score impacts what your home mortgage rate will be. Historically home mortgage rates have varied from 5% to over 13%. Lenders create their home mortgage rates by using the Federal Discount Interest Rate and then increase it by using an internal formula to create their own home mortgage rate. When you apply for a home mortgage, your home mortgage rate will be determined by a whole host of factors, but your credit score is always important.

North Dakota Mortgage State Laws:

Mortgages Laws are Governed by

  • State Statutory Law
  • Common Law


North Dakota exercises judicial foreclosure.

Thirty Nine days before the date of the foreclosure sale, the borrower shall receive a written notice via certified or registered mail, containing the following information:

  • Property description
  • Date and amount of mortgage
  • The amounts due for the principal, interest, and taxes
  • A notice that the borrower has thirty days to pay the amount due before the property is foreclosed.

The purchaser of a foreclosed property receives a certificate of sale. The borrower has redemption rights for one year after the foreclosure sale. If there is a surplus from a foreclosure sale, it shall remain in the court for three months. If no one has applied for it after those three months, the judge may put it towards the benefit of the defendant.

ND Mortgage Fraud Office
White Collar Crime Supervisor
111 Washington Avenue, South, Suite 1100
Minneapolis, MN 55401-2176
Phone: (612) 376-3200

North Dakota Counties:

Adams County, Barnes County, Benson County, Billings County, Bottineau County, Bowman County, Burke County, Burleigh County, Cass County, Cavalier County, Dickey County, Divide County, Dunn County, Eddy County, Emmons County, Foster County, Golden Valley County, Grand Forks County, Grant County, Griggs County, Hettinger County, Kidder County, LaMoure County, Logan County, McHenry County, McIntosh County, McKenzie County, McLean County, Mercer County, Morton County, Mountrail County, Nelson County, Oliver County, Pembina County, Pierce County, Ramsey County, Ransom County, Renville County, Richland County, Rolette County, Sargent County, Sheridan County, Sioux County, Slope County, Stark County, Steele County, Stutsman County, Towner County, Trail County, Walsh County, Ward County, Wells County, William County

-US Census

This site is not a broker and does not collect or solicit mortgage applications. Content is for informational or comparison purposes only. Services are not available in New York. Products and services may not be available in all other states.

  • Powered by SecureRights

    Answer these questions to request a FREE quote