First International Bank & Trust closing costs and rates (2024)
In 2024, First International Bank & Trust originated 575 purchase mortgages at a median interest rate of 6.50% and median total closing costs of $4,707. That ranks #582 nationally by origination volume. For total closing costs among lenders with 500+ originations, First International Bank & Trust ranks #175. That is $2,034 below the national median of $6,741. First International Bank & Trust is most active in North Dakota with 296 originations there.
Purchase Originations
575
Ranked #582 nationally
Median Total Costs
$4,707
−30.2% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$1,695
Median Lender Credits
$250
Cost Rank (500+ vol.)
#175
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 462 | 6.625% | $4,000 | $1,846 |
| fha | 68 | 6.125% | $8,657 | $910 |
| va | 42 | 6.062% | $9,472 | $2,129 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Dakota | 296 | 6.500% | $4,965 | #4 |
| South Dakota | 140 | 6.500% | $3,798 | #16 |
| Minnesota | 76 | 6.500% | $4,969 | #100 |
| Arizona | 33 | 7.750% | $8,824 | — |
| Montana | 6 | 6.250% | $8,853 | — |
| Nebraska | 5 | 6.625% | $4,036 | — |
| Wisconsin | 5 | 7.125% | $3,601 | — |
| Florida | 4 | 6.312% | $4,080 | — |
| Iowa | 3 | 6.875% | $4,701 | — |
| Arkansas | 1 | 5.875% | $3,108 | — |
| Colorado | 1 | 6.500% | $2,468 | — |
| Georgia | 1 | 6.500% | $10,340 | — |
| Illinois | 1 | 7.375% | $2,326 | — |
| Kansas | 1 | 6.500% | $3,652 | — |
| Tennessee | 1 | 7.000% | $3,579 | — |
| West Virginia | 1 | 6.375% | $6,727 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,137 | 5.938% | — | 4 | −$1,570 | |
| 2 | $3,384 | 6.750% | — | 5 | −$1,323 | |
| 3 | $3,617 | 6.375% | — | 21 | −$1,090 | |
| 4 | $3,652 | 6.500% | — | 72 | −$1,055 | |
| 5 | $3,696 | 6.500% | — | 39 | −$1,011 | |
| 6 | $3,816 | 6.625% | — | 37 | −$891 | |
| 7 | $3,901 | 6.750% | — | 12 | −$806 | |
| 8 | $4,098 | 6.625% | — | 23 | −$609 | |
| 9 | $4,122 | 6.500% | — | 4 | −$585 | |
| 10 | $4,152 | 6.375% | — | 7 | −$555 | |
| 11 | $4,714 | 6.500% | — | 107 | +$7 | |
| 12 | $4,721 | 6.125% | — | 3 | +$14 | |
| 13 | $5,088 | 6.625% | — | 11 | +$381 | |
| 14 | $5,362 | 6.500% | — | 10 | +$655 | |
| 15 | $5,613 | 6.375% | — | 21 | +$906 | |
| 16 | $5,636 | 6.375% | — | 54 | +$929 | |
| 17 | $5,789 | 5.750% | — | 6 | +$1,082 | |
| 18 | $6,832 | 6.625% | — | 6 | +$2,125 | |
| 19 | $7,713 | 6.500% | — | 15 | +$3,006 | |
| 20 | $13,801 | 7.875% | — | 23 | +$9,094 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.