# First International Bank & Trust

> **Canonical URL:** https://saferate.com/lenders/first-international-bank-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First International Bank & Trust is a bank, headquartered in Watford City, ND, serving borrowers across 21 states, with 924 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 40% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 19% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493002LPXKMOZNXUY90
- **Headquarters:** Watford City, ND
- **Geographic Reach:** Multi-Region
- **States Served:** 21
- **State List:** AL, AR, AZ, CO, FL, GA, IA, ID, IL, IN, KS, MN, MO, MT, ND, NE, SD, TN, WI, WV, WY
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 60/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.009%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,022
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 924
- **Dollar Volume:** $300 million
- **Applications Received:** 1,111
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $324,794
- **Average Borrower Income:** $154,803
- **Average Property Value:** $426,613

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 77/100 | 680 | +0.028% | $2,000 | Strong 😀 |
| FHA | 74/100 | 154 | +0.097% | $1,508 | Strong 😀 |
| VA | 72/100 | 63 | -0.632% | $2,751 | Strong 😀 |
| Jumbo | 65/100 | 19 | +0.305% | $6,737 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 580 loans, Score: 77/100 (Strong)
- Refinance: 100 loans, Score: 72/100 (Strong)

**FHA:**
- Purchase: 143 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 61 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 810 | $264M | +0.097% | Strong 😀 |
| Refinance | 72/100 | 114 | $36M | -0.440% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ND | 470 | 6.41% | 91/100 |
| SD | 261 | 2.93% | 83/100 |
| MN | 100 | 0.15% | 63/100 |
| AZ | 51 | 0.05% | 55/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 220 | 64/100 |
| Sioux Falls, SD | SD-MN | 206 | 84/100 |
| Fargo, ND | ND-MN | 176 | 88/100 |
| Bismarck, ND | ND | 97 | 83/100 |
| Minot, ND | ND | 89 | 85/100 |
| Phoenix | AZ | 46 | 55/100 |
| Grand Forks, ND | ND-MN | 42 | 78/100 |

## Where This Lender Ranks

First International Bank & Trust appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in South Dakota for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/south-dakota/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Sioux Falls, SD for VA Loans
  - [View Full Rankings](https://saferate.com/sioux-falls-sd/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Sioux Falls, SD for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/sioux-falls-sd/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in North Dakota for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in North Dakota for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in South Dakota for VA Loans
  - [View Full Rankings](https://saferate.com/south-dakota/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Fargo, ND Banks
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/banks)
- 🥈 **#2** in Fargo, ND for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Fargo, ND for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Fargo, ND for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Minot, ND Banks
  - [View Full Rankings](https://saferate.com/minot-nd/best-mortgage-lenders/banks)
- 🥈 **#2** in Minot, ND for Conventional Loans
  - [View Full Rankings](https://saferate.com/minot-nd/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Minot, ND for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/minot-nd/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Minot, ND for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/minot-nd/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Minot, ND for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/minot-nd/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Grand Forks, ND for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/grand-forks-nd/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in North Dakota Banks
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/banks)
- 🥉 **#3** in North Dakota for FHA Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in North Dakota for VA Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Sioux Falls, SD Banks
  - [View Full Rankings](https://saferate.com/sioux-falls-sd/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does First International Bank & Trust offer?

First International Bank & Trust offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First International Bank & Trust offer mortgages?

First International Bank & Trust offers mortgages in 21 states: AL, AR, AZ, CO, FL, GA, IA, ID, IL, IN, KS, MN, MO, MT, ND, NE, SD, TN, WI, WV, WY.

### How competitive are First International Bank & Trust's mortgage rates?

First International Bank & Trust has a pricing score of 60/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.009% above market average.

### What type of lender is First International Bank & Trust?

First International Bank & Trust is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Watford City, ND.

### What is First International Bank & Trust's loan approval success rate?

First International Bank & Trust has a pull-through score of 81/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-international-bank-trust

### How to Cite

> "First International Bank & Trust Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-international-bank-trust

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