First International Bank & Trust in North Dakota vs the state
4.0%Denial rate-7.48 pts vs state
4.4%Decision denial rate-9.28 pts vs state
84.6%Origination rate+14.93 pts vs state
6.63%Median rate+0.13 pts vs state
0.23Rate spread (pts)-0.01 pts vs state
$117kMedian applicant income
941Loans originated
44Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 788 | 641 | 6.2% | 6.90% | #3 |
| 2024 | 924 | 758 | 6.2% | 6.82% | #3 |
| 2025 | 1,112 | 941 | 4.0% | 6.63% | #2 |
What First International Bank & Trust lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most First International Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 305 | 262 | 12 | 3.9% |
| Ward County | 200 | 175 | 6 | 3.0% |
| Burleigh County | 171 | 139 | 7 | 4.1% |
| Grand Forks County | 81 | 69 | 1 | 1.2% |
| Williams County | 74 | 60 | 3 | 4.1% |
| McKenzie County | 47 | 38 | 4 | 8.5% |
| Morton County | 35 | 29 | 2 | 5.7% |
| Wells County | 29 | 25 | 1 | 3.4% |
| Mountrail County | 22 | 17 | 2 | 9.1% |
| Traill County | 17 | 16 | 0 | 0.0% |
Other large lenders in North Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Gate City Bank | C | 3,106 | 11.3% | 6.65% |
| United Shore Financial Services | B | 881 | 7.5% | 6.25% |
| Rocket Mortgage | C | 827 | 21.6% | 6.63% |
| Bell Bank | A | 806 | 7.7% | 6.99% |
| First Community Credit Union | B | 675 | 7.1% | 6.49% |
| Capital | C | 646 | 3.7% | 7.00% |
| TOWN AND COUNTRY Credit Union | B | 571 | 2.1% | 6.25% |
| Mortgage Research Center | C | 500 | 13.6% | 6.25% |
| Fairway Independent Mortgage | B | 497 | 3.0% | 6.40% |
| U.S. Bank | D | 486 | 30.0% | 7.30% |
Frequently asked questions
North Dakota: 1,112 applications in 2025, of which 941 were originated and 44 denied.
4.0% of all applications, or 4.4% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans First International Bank & Trust originated in North Dakota in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are First International Bank & Trust's own HMDA filing for properties located in North Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology