Purchase Originations
761
Ranked #476 nationally
Median Total Costs
$4,967
−25.6% vs national ($6,680)
↑ $260 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,665
Median Lender Credits
$271
Cost Rank (500+ vol.)
#193
among lenders with 500+ originations
Denial Rate
2.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 590 | 6.625% | $4,078 | $1,645 |
| fha | 83 | 6.125% | $8,840 | $815 |
| va | 80 | 6.000% | $10,127 | $2,875 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Dakota | 389 | 6.375% | $5,283 | #3 |
| South Dakota | 210 | 6.500% | $4,709 | #11 |
| Minnesota | 90 | 6.500% | $4,797 | #97 |
| Arizona | 40 | 6.875% | $6,762 | — |
| Iowa | 6 | 6.562% | $5,816 | — |
| Nebraska | 5 | 6.375% | $2,955 | — |
| California | 2 | 6.125% | $9,761 | — |
| Colorado | 2 | 6.500% | $3,213 | — |
| Kansas | 2 | 6.625% | $3,020 | — |
| North Carolina | 2 | 6.500% | $3,587 | — |
| Oklahoma | 2 | 6.312% | $6,344 | — |
| Delaware | 1 | 7.125% | $4,575 | — |
| Florida | 1 | 6.250% | $46,553 | — |
| Indiana | 1 | 6.500% | $7,734 | — |
| Kentucky | 1 | 5.875% | $1,746 | — |
| Massachusetts | 1 | 6.500% | $5,854 | — |
| Nevada | 1 | 7.000% | $6,966 | — |
| Ohio | 1 | 7.000% | $3,193 | — |
| Oregon | 1 | 6.625% | $7,136 | — |
| South Carolina | 1 | 6.750% | $3,842 | — |
| Texas | 1 | 6.125% | $6,119 | — |
| West Virginia | 1 | 6.625% | $3,507 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,930 | 6.000% | — | 7 | −$2,037 | |
| 2 | $3,438 | 6.625% | — | 5 | −$1,529 | |
| 3 | $3,556 | 6.625% | — | 5 | −$1,411 | |
| 4 | $3,630 | 7.062% | — | 6 | −$1,337 | |
| 5 | $3,749 | 6.875% | — | 12 | −$1,218 | |
| 6 | $4,235 | 6.500% | — | 112 | −$732 | |
| 7 | $4,368 | 6.375% | — | 107 | −$599 | |
| 8 | $4,470 | 6.500% | — | 33 | −$497 | |
| 9 | $4,716 | 6.250% | — | 25 | −$251 | |
| 10 | $4,941 | 6.500% | — | 66 | −$26 | |
| 11 | $5,447 | 5.938% | — | 10 | +$480 | |
| 12 | $5,597 | 6.500% | — | 48 | +$630 | |
| 13 | $6,095 | 6.125% | — | 7 | +$1,128 | |
| 14 | $6,226 | 6.375% | — | 12 | +$1,259 | |
| 15 | $6,503 | 6.188% | — | 8 | +$1,536 | |
| 16 | $6,540 | 6.125% | — | 87 | +$1,573 | |
| 17 | $6,594 | 6.500% | — | 8 | +$1,627 | |
| 18 | $6,738 | 6.438% | — | 30 | +$1,771 | |
| 19 | $7,746 | 6.500% | — | 11 | +$2,779 | |
| 20 | $9,906 | 6.875% | — | 29 | +$4,939 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | First International Bank & Trust | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $4,967 | $7,127 | −$2,160 (−30.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.