We analyzed every closed loan from First International Bank & Trust — 924 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Champion
Conventional
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
First International Bank & Trust performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+0.9 bps above market avg
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
680 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
FHA
154 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
VA
63 loans · 0.63% below market
Strong
Top 40% of lenders
4/5
Jumbo
19 loans · 0.30% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
810 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
Refinance
114 loans · 0.44% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 680 | 73.6% | +0.028%Above | $2,000Fees | ||||
FHA Loans | 154 | 16.7% | +0.097%Above | $1,508Fees | ||||
VA Loans | 63 | 6.8% | -0.632%Below | $2,751Fees | ||||
Jumbo Loans | — | 19 | 2.1% | +0.305%Above | $6,737Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume680
Mix73.6%
Spread
+0.028%Above
Fees
$2,000Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume154
Mix16.7%
Spread
+0.097%Above
Fees
$1,508Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume63
Mix6.8%
Spread
-0.632%Below
Fees
$2,751Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume19
Mix2.1%
Spread
+0.305%Above
Fees
$6,737Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 810 | 87.7% | +0.097%Above | $2,104Fees | ||||
Refinance | 114 | 12.3% | -0.440%Below | $1,600Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume810
Mix87.7%
Spread
+0.097%Above
Fees
$2,104Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume114
Mix12.3%
Spread
-0.440%Below
Fees
$1,600Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
924
Applications
1,111
Volume
$300 million
Pricing & Closing
Avg Rate Spread
+0.009%
vs. market APOR
Avg Net Fees
$2,022
Origination − Credits
Pullthrough Rate
83.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$324,794
Avg Borrower Income
$154,803
Avg Property Value
$426,613
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
21
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
21Full-year 2024 · HMDALoans originated
< 5050–100100–200200+None
Midwest10
IAILINKSMNMONDNESDWI
South6
ALARFLGATNWV
West5
AZCOIDMTWY
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.