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Updated: December 2, 2024
2025 Mortgage Loan Limits: Grand Forks County, North Dakota
Property Type
2025 Loan Limit
1-Unit Homes
$806,500
2-Unit Homes
$1,032,650
3-Unit Homes
$1,248,150
4-Unit Homes
$1,551,250
Source: Federal Housing Finance Agency; Federal Housing Administration
Grand Forks County, North Dakota, mortgage loan limits apply in:
Grand Forks County 2025 mortgage loan limits include the following cities: Agnes, Allendale, Americus, Arvilla, Avon, Bentru, Blooming, Brenna, Chester, Elkmount, Elm Grove, Emerado, Fairfield, Falconer, Ferry, Gilby, Gilby (Township), Grace, Grand Forks, Grand Forks AFB, Grand Forks (Township), Hegton, Inkster, Inkster (Township), Johnstown, Lakeville, Larimore, Larimore (Township), Levant, Lind, Logan Center, Loretta, Manvel, Mekinock, Michigan, Moraine, Niagara, Niagara (Township), Northwood, Northwood (Township), Oakville, Pleasant View, Plymouth, Rye, Strabane, Thompson, Turtle River, Union, Walle, Washington, Wheatfield
Historical Charts: Mortgage Loan Limits in Grand Forks County, North Dakota
Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Grand Forks County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.
Mortgage Statistics from Grand Forks County, North Dakota
Mortgage statistics for Grand Forks County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.
Mortgages
Total
Purchase Mortgages (2018-2023)
4153
Loan Type
Relative Share
Conventional
70.46%
FHA
13.46%
VA
15.24%
USDA
0.84%
Property Type
Relative Share
1-Unit Homes
98.56%
2-Unit Homes
1.04%
3-Unit Homes
0.19%
4-Unit Homes
0.22%
Borrower Status
Relative Share
One Applicant
49.60%
Two or More Applicants
50.40%
Gender
Relative Share
Male
32.22%
Female
17.48%
Joint Sex
45.94%
Not Available
4.36%
Race
Relative Share
American Indian / Alaska Native
0.77%
Asian
1.66%
Black / African American
1.49%
Native Hawaiian / Other Pacific Islander
0.14%
White
86.88%
Mixed Race
1.88%
Other Race
7.18%
Ethnicity
Relative Share
Hispanic or Latino
2.07%
Not Hispanic or Latino
88.37%
Joint Ethnicity
1.90%
Other Ethnicity
7.66%
Grand Forks County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act
Mortgage Loan Limits Near Grand Forks County, North Dakota
Get 2025 conforming and FHA mortgage loan limits for the areas surrounding Grand Forks County, North Dakota. Local loan limits and county-level mortgage data updated regularly.
