First International Bank & Trust in Minnesota vs the state
8.3%Denial rate-5.27 pts vs state
9.4%Decision denial rate-6.93 pts vs state
80.2%Origination rate+13.79 pts vs state
6.75%Median rate+0.13 pts vs state
0.37Rate spread (pts)+0.12 pts vs state
$113kMedian applicant income
202Loans originated
21Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 201 | 169 | 6.5% | 7.25% | #122 |
| 2024 | 204 | 174 | 3.9% | 7.13% | #124 |
| 2025 | 252 | 202 | 8.3% | 6.75% | #124 |
What First International Bank & Trust lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most First International Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clay County | 54 | 41 | 8 | 14.8% |
| Polk County | 28 | 20 | 2 | 7.1% |
| Otter Tail County | 24 | 23 | 0 | 0.0% |
| Becker County | 20 | 15 | 3 | 15.0% |
| Todd County | 14 | 11 | 2 | 14.3% |
| Rock County | 12 | 9 | 1 | 8.3% |
| Wadena County | 11 | 9 | 1 | 9.1% |
| Morrison County | 9 | 7 | 0 | 0.0% |
| Cass County | 8 | 8 | 0 | 0.0% |
| Hennepin County | 7 | 6 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 252 applications in 2025, of which 202 were originated and 21 denied.
8.3% of all applications, or 9.4% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans First International Bank & Trust originated in Minnesota in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are First International Bank & Trust's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology