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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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FIRST INTERNATIONAL BANK & TRU
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST INTERNATIONAL BANK & TRU |
| Address | 1705 2ND AVE SW
MINOT, ND 58701 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 560 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $68,470,000 |
| Average Mortgage Loan Amount Applied For | $224,119 |
| Highest Mortgage Loan Amount Applied For | $6,150,000 |
| Average Applicant Income | $76,976 |
| Highest Applicant Income | $6,000,000 |
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| Home Improvement |
56 | $2,478,000 |
$44,000 | $250,000 |
$82,000 | $302,000 |
| Home Purchase |
298 | $41,221,000 |
$138,000 | $6,150,000 |
$94,000 | $6,000,000 |
| Refinancing |
207 | $24,774,000 |
$119,000 | $417,000 |
$77,000 | $500,000 |
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| American Indian or Alaskan Native |
1 | $32,000 |
$32,000 | $32,000 |
$46,000 | $46,000 |
| Asian |
11 | $1,873,000 |
$170,000 | $417,000 |
$277,000 | $640,000 |
| Black or African American |
3 | $551,000 |
$183,000 | $272,000 |
$119,000 | $175,000 |
| Hispanic |
1 | $44,000 |
$44,000 | $44,000 |
$67,000 | $67,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $112,000 |
$112,000 | $112,000 |
$45,000 | $45,000 |
| Not applicable |
20 | $16,326,000 |
$816,000 | $6,150,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
524 | $49,535,000 |
$94,000 | $417,000 |
$86,000 | $6,000,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
505 | $62,985,000 |
$124,000 | $6,150,000 |
$91,000 | $6,000,000 |
| FHA-insured (Federal Housing Administration) |
45 | $4,259,000 |
$94,000 | $186,000 |
$41,000 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
11 | $1,229,000 |
$111,000 | $155,000 |
$56,000 | $84,000 |
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| Application Approved But Not Accepted |
34 | $4,450,000 |
$130,000 | $340,000 |
$244,000 | $6,000,000 |
| Application Denied By Financial Institution |
26 | $3,219,000 |
$123,000 | $374,000 |
$53,000 | $136,000 |
| Application Withdrawn By Applicant |
16 | $2,034,000 |
$127,000 | $350,000 |
$54,000 | $336,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
485 | $58,770,000 |
$121,000 | $6,150,000 |
$78,000 | $640,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
2 | $201,000 |
$100,000 | $136,000 |
$81,000 | $136,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
13 | $1,466,000 |
$112,000 | $279,000 |
$50,000 | $123,000 |
| Debt-To-Income Ratio |
6 | $696,000 |
$116,000 | $199,000 |
$44,000 | $100,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
5 | $856,000 |
$171,000 | $374,000 |
$60,000 | $102,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST INTERNATIONAL BANK & TRU by:
Metropolitan Area And
County
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