First International Bank & Trust mortgage approval rate & lending review
First International Bank & Trust decided 1,789 mortgage applications and funded 1,682 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First International Bank & Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First International Bank & Trust at a glance
Approval is 12.5 points above the 82.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 1,113 / 1,131 | 100% | $285K | 1,108 |
| Home improvement loans | 78% | 157 / 202 | 98% | $65K | 154 |
| Cash-out refinance | 84% | 104 / 124 | 98% | $275K | 102 |
| Refinance | 95% | 122 / 129 | 99% | $295K | 121 |
| Investment property purchase | 99% | 167 / 169 | 99% | $365K | 166 |
First International Bank & Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| North Dakota | 96% | $285K | 631 | 605 |
| South Dakota | 94% | $275K | 614 | 575 |
| Arizona | 92% | $455K | 392 | 355 |
| Minnesota | 94% | $355K | 48 | 45 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First International Bank & Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Minnehaha County, SD | Mortgage lenders | 97% | 427 | 414 |
| Maricopa County, AZ | Home improvement loans | 79% | 66 | 51 |
| Minnehaha County, SD | Refinance | 94% | 54 | 51 |
| Minnehaha County, SD | Home improvement loans | 74% | 53 | 37 |
| Minnehaha County, SD | Cash-out refinance | 85% | 39 | 32 |
| Minnehaha County, SD | Investment property purchase | 100% | 30 | 30 |
The county markets where First International Bank & Trust made the most loans. Each link opens that market with every lender ranked.
Questions about First International Bank & Trust
What is First International Bank & Trust's mortgage approval rate?
First International Bank & Trust approved 94.7% of the 1,789 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.5 points above the 82.3% national rate for the same mix of loan types.
How often do borrowers take the loan First International Bank & Trust offers?
Borrowers accepted 99% of the loans First International Bank & Trust approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First International Bank & Trust make?
The typical home purchase mortgage loan First International Bank & Trust made was $285K; across all loan types its typical loan ran from $65K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First International Bank & Trust lend?
First International Bank & Trust decided applications in 32 of the states Fat Boy Data covers, most of them in North Dakota, South Dakota and Arizona.
Can I apply to First International Bank & Trust directly?
Yes. First International Bank & Trust is a bank or credit union with 28 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First International Bank & Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First International Bank & Trust treats applications, then get a rate quote from the lender.