Applications / Mortgage Analytics / Lenders / North Dakota / First International Bank & Trust
First International Bank & Trust
Watford City, ND · State non-member bank · FDIC · $6.2 billion assets · 1,833 loans in 2025
1,833
loans originated, 2025
2,234
applications, 2025
28
states and territories
0
gaps bigger than at similar lenders
FIG. 1 — LOANS ORIGINATED, 2018–2025
1,833 loans in 2025, against a peak of 2,310 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First International Bank & Trust took 2,234 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
67.2% of its 2025 loans were purchase loans; 81.9% were Conventional.
Purchase 67.2% · Refinance 16.7% · Home improvement 9.5% · Other 6.5%
Conventional 81.9% · FHA 10.7% · VA 6.7% · USDA (RHS or FSA) 0.7% · of 1,833 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
28 states, 44 metros, 163 counties
| State | Loans | Share |
|---|---|---|
| North Dakota | 941 | 51.3% |
| South Dakota | 503 | 27.4% |
| Minnesota | 204 | 11.1% |
| Arizona | 124 | 6.8% |
| Iowa | 12 | 0.7% |
| Nebraska | 10 | 0.5% |
| Florida | 5 | 0.3% |
| Kansas | 4 | 0.2% |
| Texas | 4 | 0.2% |
| California | 2 | 0.1% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Sioux Falls | 442 |
| Fargo | 303 |
| Minot | 199 |
| Bismarck | 169 |
| Phoenix-Mesa-Chandler | 114 |
| Grand Forks | 89 |
| Minneapolis-St. Paul-Bloomington | 19 |
| Omaha | 7 |
| Rapid City | 7 |
| Sioux City | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002LPXKMOZNXUY90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 236153 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310248 | 1993–2017 |
Established 1 May 1910. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: First International Bank & Trust's data.