First International Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
67th5.8% deniedPricingmedian rate spread over APOR, weight 30%
53rd0.24 ptsProcesswithdrawn + incomplete share, weight 15%
73rd12.4%Closing coststotal loan costs ÷ loan amount, weight 10%
70th1.85% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,589 | 1,281 | 7.1% | 8.0% | 7.00% | $413M |
| 2024 | 1,791 | 1,437 | 6.6% | 7.5% | 6.88% | $415M |
| 2025 | 2,234 | 1,833 | 5.1% | 5.8% | 6.63% | $640M |
What First International Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 519 home-equity lines, 0 reverse mortgages, 32 manufactured homes, 200 investment properties.
Why First International Bank & Trust denies applications
Primary reason reported for each of the 114 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at First International Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 99 | 72 | 14.0% |
| $50k – $100k | 639 | 523 | 6.8% |
| $100k – $150k | 519 | 427 | 6.7% |
| $150k – $250k | 469 | 365 | 6.1% |
| Over $250k | 292 | 243 | 3.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 148 | 138 | 1.4% |
| 25–34 | 595 | 484 | 4.1% |
| 35–44 | 628 | 510 | 6.2% |
| 45–54 | 385 | 297 | 10.5% |
| 55–64 | 210 | 166 | 6.2% |
| 65–74 | 138 | 114 | 7.3% |
| Over 74 | 36 | 30 | 6.1% |
Where First International Bank & Trust lends
33 states and 177 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| North Dakota | 1,112 | 941 | 4.0% | 6.63% | #2 |
| South Dakota | 610 | 503 | 4.1% | 6.50% | #13 |
| Minnesota | 252 | 202 | 8.3% | 6.75% | #124 |
| Arizona | 177 | 125 | 9.6% | 7.25% | #184 |
| Iowa | 18 | 12 | 11.1% | 6.56% | #303 |
| Nebraska | 12 | 10 | 8.3% | 6.50% | #234 |
| Florida | 6 | 5 | 0.0% | 7.50% | #1,065 |
| Texas | 6 | 4 | 16.7% | 6.67% | #1,043 |
Frequently asked questions
First International Bank & Trust denied 5.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 67th percentile of mid-size mortgage lenders.
The most common reason First International Bank & Trust gave in 2025 was "debt-to-income ratio", cited on 52.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans First International Bank & Trust originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.24 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 63% of its applications were for home purchases, 18% for refinancing (including cash-out), and 19% for home improvement or other purposes. By loan type: 82% conventional, 10% FHA, 7% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.