First International Bank & Trust
1,831 mortgages originated in 2025 across 4 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,831
- Median rate
- 6.625%
- Median lender fees
- $4,715
- Median loan amount
- $265,000
- Median spread over APOR
- 0.236
- Paid discount points
- 26.3%
- Received lender credits
- 33.6%
- Purchases / refinances
- 67.2% / 16.8%
- Conventional / FHA / VA
- 81.9% / 10.8% / 6.7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 56.5% of loans here — see methodology.
Where First International Bank & Trust lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| North Dakota | 941 | $4,786 | 6.625% |
| South Dakota | 503 | $4,072 | 6.500% |
| Minnesota | 202 | $4,789 | 6.750% |
| Arizona | 125 | $6,450 | 7.250% |