Average Loan Estimate Fees in North Dakota (2024)
Last Updated: April 2026 · Data: Optimal Blue OBMMI via Federal Reserve FRED API
North Dakota Average
$3,865
Total lender & third-party fees
National Average
$6,300
North Dakota is 39% below the national average
Fee-by-Fee Breakdown (2024)
| Fee Type | North Dakota | National | Negotiable? |
|---|---|---|---|
| Origination Fee | $1,350 | $1,785 | Yes |
| Underwriting Fee | $690 | $815 | Yes |
| Processing Fee | $335 | $610 | Yes |
| Application Fee | $140 | $255 | Yes |
| Rate Lock Fee | $165 | $305 | Yes |
| Appraisal Fee | $280 | $510 | No |
| Title Insurance | $505 | $1,275 | No |
| Settlement Fee | $275 | $510 | Yes |
| Document Prep Fee | $110 | $205 | Yes |
| Flood Certification | $15 | $30 | No |
| Total | $3,865 | $6,300 |
Mortgage Closing Costs in North Dakota
In 2024, borrowers in North Dakota can expect total loan estimate fees of approximately $3,865 on average — 39% lower than the national average of $6,300. The lower costs in North Dakota reflect a competitive local lending market and relatively lower operating costs for title and settlement services. Of the fees listed above, the negotiable ones represent your best opportunity to reduce out-of-pocket closing costs — simply asking your lender to reduce or waive these fees before closing can save hundreds of dollars.
Data Note
Fee benchmarks reflect 2024 market conditions. Lender fees have trended approximately 2% higher per year since 2023 due to operational cost increases. Actual fees on your Loan Estimate may vary by lender, loan type, and loan amount.
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