First International Bank & Trust
First International Bank & Trust received 2,232 applications in 2025 and made 1,831 mortgages, in 177 counties across 32 states. The median rate its borrowers got was 6.625% on a median loan of $265,000. Of 1,956 decisions, 114 were denials — 5.8%, most often for debt-to-income ratio. 8 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493002LPXKMOZNXUY90 |
|---|---|
| Applications received | 2,232 |
| Mortgages made | 1,831 |
| Denied | 114 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 276 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.236 points |
| FDIC-insured bank | Yes: First International Bank & Trust, 28 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,230 | 6.500% | $285,000 | 2.2% |
| Refinancing | 182 | 6.500% | $285,000 | 6.6% |
| Cash-out refinancing | 125 | 7.250% | $245,000 | 11.3% |
| Other purposes | 294 | 7.750% | $85,000 | 16.1% |
Where First International Bank & Trust lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Minnehaha County, SD | 278 | 6.625% | 4.4% |
| Cass County, ND | 262 | 6.625% | 4.4% |
| Ward County, ND | 175 | 6.375% | 3.3% |
| Lincoln County, SD | 148 | 6.500% | 5.7% |
| Burleigh County, ND | 139 | 6.750% | 4.7% |
| Maricopa County, AZ | 102 | 7.250% | 14.2% |
| Grand Forks County, ND | 69 | 6.500% | 1.4% |
| Williams County, ND | 60 | 6.862% | 4.6% |
| Clay County, MN | 41 | 6.500% | 16.3% |
| McKenzie County, ND | 38 | 7.313% | 9.5% |
| Morton County, ND | 29 | 6.500% | 6.3% |
| Wells County, ND | 25 | 6.500% | 3.9% |
| Otter Tail County, MN | 23 | 7.375% | 0.0% |
| Polk County, MN | 20 | 6.813% | 9.1% |
| Mountrail County, ND | 17 | 6.625% | 10.5% |
| McHenry County, ND | 16 | 6.000% | 0.0% |
| Traill County, ND | 16 | 6.750% | 0.0% |
| Becker County, MN | 15 | 7.250% | 16.7% |
| McLean County, ND | 14 | 6.625% | 0.0% |
| Bottineau County, ND | 13 | 7.500% | 7.1% |
| Pinal County, AZ | 12 | 7.063% | 0.0% |
| Pierce County, ND | 12 | 7.750% | 0.0% |
| Todd County, MN | 11 | 7.750% | 15.4% |
| Yankton County, SD | 11 | 6.125% | 8.3% |
| Rock County, MN | 9 | Under 10 loans | 10.0% |
| Wadena County, MN | 9 | Under 10 loans | 10.0% |
| Cass County, MN | 8 | Under 10 loans | 0.0% |
| Renville County, ND | 8 | Under 10 loans | 0.0% |
| Morrison County, MN | 7 | Under 10 loans | 0.0% |
| Hennepin County, MN | 6 | Under 10 loans | 0.0% |
| Dunn County, ND | 6 | Under 10 loans | 14.3% |
| Grant County, ND | 6 | Under 10 loans | 12.5% |
| Richland County, ND | 6 | Under 10 loans | 0.0% |
| Codington County, SD | 6 | Under 10 loans | 14.3% |
| Union County, SD | 6 | Under 10 loans | 0.0% |
| Douglas County, NE | 5 | Under 10 loans | 16.7% |
| Lake County, SD | 5 | Under 10 loans | 16.7% |
| Navajo County, AZ | 4 | Under 10 loans | 0.0% |
| Lee County, FL | 4 | Under 10 loans | 0.0% |
| Crow Wing County, MN | 4 | Under 10 loans | 0.0% |
| Douglas County, MN | 4 | Under 10 loans | 0.0% |
| Cavalier County, ND | 4 | Under 10 loans | 20.0% |
| McCook County, SD | 4 | Under 10 loans | 0.0% |
| Pennington County, SD | 4 | Under 10 loans | 0.0% |
| Lyon County, IA | 3 | Under 10 loans | 25.0% |
| Sioux County, IA | 3 | Under 10 loans | 25.0% |
| Johnson County, KS | 3 | Under 10 loans | 0.0% |
| Anoka County, MN | 3 | Under 10 loans | 0.0% |
| Jackson County, MN | 3 | Under 10 loans | 0.0% |
| Nobles County, MN | 3 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.