Lender in North Dakota · HMDA 2025
First International Bank & Trust mortgages in North Dakota
First International Bank & Trust's 2025 home-purchase and refinance lending in North Dakota, compared with all lenders in the state.
First International Bank & Trust originated 575 owner-occupied single-family loans in North Dakota from 588 completed applications, making it the state's #3 lender by volume.
Its median conventional purchase loan costs were $4,250 versus $4,880 for all North Dakota lenders, at a median 30-year fixed rate of 6.50% (North Dakota: 6.375%).
Loans in ND
575
of 588 applications
Denial rate
1.3%
Purchase · ND 4.5%
Rate spread
+0.03 pts
Conv. · ND +0.01 pts
Loan amount
$285,000
Purchase · ND $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 523 | 514 | 1.3% | 6.500% | +0.03 pts | $4,250 | $285,000 |
| Refinance | 45 | 42 | 4.4% | 6.125% | −0.11 pts | $4,080 | $305,000 |
| Cash-out refinance | 20 | 19 | 5.0% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Dakota counties where First International Bank & Trust ranks in the top 25
Showing the 30 counties where it ranks highest, of 34.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wells County | 1 | 13 | 40.6% |
| Traill County | 1 | 11 | 10.9% |
| McHenry County | 1 | 10 | 20.0% |
| Pierce County | 1 | 5 | 23.8% |
| Grant County | 1 | 4 | 28.6% |
| Divide County | 1 | 2 | 16.7% |
| Ward County | 2 | 120 | 12.5% |
| McKenzie County | 2 | 14 | 9.7% |
| Mountrail County | 2 | 10 | 15.6% |
| McLean County | 2 | 7 | 6.3% |
| Bottineau County | 2 | 5 | 9.8% |
| Renville County | 2 | 5 | 18.5% |
| Sheridan County | 2 | 1 | 16.7% |
| Cavalier County | 3 | 4 | 10.8% |
| Benson County | 3 | 1 | 9.1% |
| Burke County | 3 | 1 | 8.3% |
| Cass County | 4 | 163 | 6.8% |
| Burleigh County | 4 | 78 | 6.2% |
| Grand Forks County | 4 | 44 | 5.9% |
| Williams County | 4 | 39 | 8.3% |
| Adams County | 4 | 1 | 9.1% |
| Dunn County | 5 | 2 | 5.6% |
| Steele County | 5 | 1 | 6.7% |
| Morton County | 6 | 19 | 4.9% |
| Kidder County | 7 | 1 | 4.2% |
| Oliver County | 7 | 1 | 5.0% |
| Sargent County | 7 | 1 | 5.0% |
| Pembina County | 8 | 2 | 3.3% |
| Richland County | 9 | 4 | 2.3% |
| Ramsey County | 10 | 1 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology