First International Bank & Trust: 2025 mortgage rates, costs & approvals
How First International Bank & Trust priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: First International Bank & Trust · LEI 5493002LPXKMOZNXUY90
In 2025, First International Bank & Trust originated 1,159 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 27 states — 402nd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was 5 basis points below the national median. Median conventional loan costs were $4,100, 26% lower than the national median ($5,570).
It denied 1.5% of completed home-purchase applications (all lenders: 8.5%).
How First International Bank & Trust priced home-purchase loans
| Purchase loans, 2025 | First International Bank & Trust | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 6.125% | 6.250% |
| 30-year fixed rate · VA | 5.875% | 6.125% |
| 15-year fixed rate · conventional | 5.750% | 5.875% |
| Rate spread vs. APOR · conventional | +0.08 pts | +0.13 pts |
| Total loan costs · conventional | $4,100 | $5,570 |
| Total loan costs · FHA | $8,880 | $11,310 |
| Total loan costs · VA | $9,960 | $6,490 |
| Origination charges (all types) | $1,690 | $1,860 |
| Borrowers paying discount points | 46.4% | 51.3% |
| Points paid, when paid (% of loan) | 0.94% | 0.87% |
| Borrowers receiving lender credits | 47.6% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where First International Bank & Trust lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| North Dakota | 575 | 588 | 1.3% | 6.500% | $4,250 |
| South Dakota | 388 | 399 | 1.3% | 6.500% | $3,650 |
| Minnesota | 109 | 117 | 1.1% | 6.500% | $3,560 |
| Arizona | 47 | 49 | 4.9% | 6.750% | $5,880 |
| Iowa | 8 | 9 | — | — | — |
| Nebraska | 6 | 6 | — | — | — |
| Kansas | 3 | 3 | — | — | — |
| California | 2 | 2 | — | — | — |
| Colorado | 2 | 2 | — | — | — |
| North Carolina | 2 | 2 | — | — | — |
| Oklahoma | 2 | 2 | — | — | — |
| Delaware | 1 | 1 | — | — | — |
| Florida | 1 | 1 | — | — | — |
| Indiana | 1 | 1 | — | — | — |
| Kentucky | 1 | 1 | — | — | — |
| Massachusetts | 1 | 1 | — | — | — |
| Maryland | 1 | 1 | — | — | — |
| Michigan | 1 | 1 | — | — | — |
| Montana | 1 | 1 | — | — | — |
| Nevada | 1 | 1 | — | — | — |
| Ohio | 1 | 1 | — | — | — |
| Oregon | 1 | 1 | — | — | — |
| South Carolina | 1 | 1 | — | — | — |
| Tennessee | 1 | 1 | — | — | — |
| Texas | 1 | 1 | — | — | — |
| West Virginia | 1 | 1 | — | — | — |
| Missouri | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open First International Bank & Trust's page for that state.
Counties where First International Bank & Trust is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wells County, ND | 1 | 13 | 40.6% |
| Grant County, ND | 1 | 4 | 28.6% |
| Pierce County, ND | 1 | 5 | 23.8% |
| McHenry County, ND | 1 | 10 | 20.0% |
| Renville County, ND | 2 | 5 | 18.5% |
| Divide County, ND | 1 | 2 | 16.7% |
| Sheridan County, ND | 2 | 1 | 16.7% |
| Mountrail County, ND | 2 | 10 | 15.6% |
| Edmunds County, SD | 1 | 3 | 14.3% |
| Ward County, ND | 2 | 120 | 12.5% |
| Haakon County, SD | 4 | 1 | 11.1% |
| Traill County, ND | 1 | 11 | 10.9% |
| Cavalier County, ND | 3 | 4 | 10.8% |
| Bottineau County, ND | 2 | 5 | 9.8% |
| McKenzie County, ND | 2 | 14 | 9.7% |
Check First International Bank & Trust yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493002LPXKMOZNXUY90.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from First International Bank & Trust with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology