First International Bank & Trust Mortgage Lending & HMDA Data, 2004
In 2004, First International Bank & Trust of Minot, ND reported 923 mortgage applications totaling $95.5 million, down 27% from 2003. The average application was for $103,457, and applicants reported an average income of $58,474. 74% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Fargo, ND-MN (469), Phoenix-Mesa-Scottsdale, AZ (22) and Minneapolis-St. Paul-Bloomington, MN-WI (8) (applications in parentheses).
| Mortgage Company & Address | First International Bank & Trust 1600 S Bdway Minot, ND 58701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 923 |
| Total Mortgage Loan Application Amount | $95,491,000 |
| Average Mortgage Loan Application Amount | $103,457 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $58,474 |
| Highest Applicant Income | $1,405,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cass, North Dakota | 469 | $ 47,093,000 | $ 100,411 | $ 67,000 |
| Ward, North Dakota | 149 | $ 15,559,000 | $ 104,422 | $ 62,000 |
| Clay, Minnesota | 106 | $ 10,097,000 | $ 95,254 | $ 49,000 |
| Williams, North Dakota | 31 | $ 2,363,000 | $ 76,225 | $ 58,000 |
| Wells, North Dakota | 30 | $ 1,422,000 | $ 47,400 | $ 36,000 |
| Maricopa, Arizona | 17 | $ 4,909,000 | $ 288,764 | $ 326,000 |
| Becker, Minnesota | 17 | $ 3,008,000 | $ 176,941 | $ 72,000 |
| McKenzie, North Dakota | 11 | $ 806,000 | $ 73,272 | $ 54,000 |
| Richland, North Dakota | 7 | $ 545,000 | $ 77,857 | $ 60,000 |
| Grand Forks, North Dakota | 6 | $ 842,000 | $ 140,333 | $ 86,000 |
| Pinal, Arizona | 5 | $ 372,000 | $ 74,400 | $ 49,000 |
| Otter Tail, Minnesota | 5 | $ 629,000 | $ 125,800 | $ 49,000 |
| Burleigh, North Dakota | 5 | $ 380,000 | $ 76,000 | $ 39,000 |
| McHenry, North Dakota | 5 | $ 287,000 | $ 57,400 | $ 36,000 |
| Douglas, Minnesota | 4 | $ 676,000 | $ 169,000 | $ 60,000 |
| McLean, North Dakota | 4 | $ 192,000 | $ 48,000 | $ 89,000 |
| Hennepin, Minnesota | 3 | $ 222,000 | $ 74,000 | $ 36,000 |
| Hubbard, Minnesota | 3 | $ 339,000 | $ 113,000 | $ 66,000 |
| Foster, North Dakota | 3 | $ 277,000 | $ 92,333 | $ 0 |
| Ransom, North Dakota | 3 | $ 208,000 | $ 69,333 | $ 52,000 |
| Coconino, Arizona | 2 | $ 2,100,000 | $ 1,050,000 | $ 0 |
| Blue Earth, Minnesota | 2 | $ 185,000 | $ 92,500 | $ 14,000 |
| Wright, Minnesota | 2 | $ 184,000 | $ 92,000 | $ 45,000 |
| Bottineau, North Dakota | 2 | $ 126,000 | $ 63,000 | $ 39,000 |
| Dunn, North Dakota | 2 | $ 105,000 | $ 52,500 | $ 35,000 |
| LaMoure, North Dakota | 2 | $ 167,000 | $ 83,500 | $ 65,000 |
| Pierce, North Dakota | 2 | $ 56,000 | $ 28,000 | $ 48,000 |
| Renville, North Dakota | 2 | $ 107,000 | $ 53,500 | $ 48,000 |
| Stutsman, North Dakota | 2 | $ 130,000 | $ 65,000 | $ 63,000 |
| Traill, North Dakota | 2 | $ 161,000 | $ 80,500 | $ 25,000 |
| Benton, Minnesota | 1 | $ 124,000 | $ 124,000 | $ 46,000 |
| Cass, Minnesota | 1 | $ 156,000 | $ 156,000 | $ 60,000 |
| Dakota, Minnesota | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Norman, Minnesota | 1 | $ 76,000 | $ 76,000 | $ 41,000 |
| Pipestone, Minnesota | 1 | $ 11,000 | $ 11,000 | $ 61,000 |
| Ramsey, Minnesota | 1 | $ 92,000 | $ 92,000 | $ 57,000 |
| Renville, Minnesota | 1 | $ 59,000 | $ 59,000 | $ 90,000 |
| Scott, Minnesota | 1 | $ 198,000 | $ 198,000 | $ 38,000 |
| Wilkin, Minnesota | 1 | $ 56,000 | $ 56,000 | $ 21,000 |
| Montgomery, Missouri | 1 | $ 85,000 | $ 85,000 | $ 41,000 |
| Platte, Missouri | 1 | $ 106,000 | $ 106,000 | $ 44,000 |
| Flathead, Montana | 1 | $ 198,000 | $ 198,000 | $ 64,000 |
| Sheridan, Montana | 1 | $ 25,000 | $ 25,000 | $ 20,000 |
| Sarpy, Nebraska | 1 | $ 66,000 | $ 66,000 | $ 52,000 |
| Guilford, North Carolina | 1 | $ 158,000 | $ 158,000 | $ 137,000 |
| Barnes, North Dakota | 1 | $ 10,000 | $ 10,000 | $ 100,000 |
| Morton, North Dakota | 1 | $ 282,000 | $ 282,000 | $ 70,000 |
| Mountrail, North Dakota | 1 | $ 26,000 | $ 26,000 | $ 35,000 |
| Pembina, North Dakota | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Sheridan, North Dakota | 1 | $ 86,000 | $ 86,000 | $ 22,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2004
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 614 | $62,161,000 | $115,714 | $1,440,000 | $76,000 | $1,405,000 |
| Refinancing | 255 | $31,586,000 | $245,750 | $1,500,000 | $102,250 | $660,000 |
| Home Improvement | 54 | $1,744,000 | $36,666 | $200,000 | $51,333 | $1,100,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 890 | $86,712,000 | $119,285 | $1,500,000 | $70,285 | $1,100,000 |
| Asian | 10 | $981,000 | $88,500 | $260,000 | $74,000 | $300,000 |
| Not applicable | 9 | $5,289,000 | $674,500 | $1,440,000 | $10,000 | $101,000 |
| Black or African American | 5 | $618,000 | $123,000 | $200,000 | $75,000 | $204,000 |
| American Indian or Alaskan Native | 4 | $204,000 | $51,000 | $104,000 | $38,000 | $75,000 |
| Not Provided | 2 | $1,585,000 | $792,000 | $1,100,000 | $702,000 | $1,405,000 |
| Hispanic | 2 | $67,000 | $33,500 | $59,000 | $66,500 | $115,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $35,000 | $35,000 | $35,000 | $32,000 | $32,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 682 | $71,080,000 | $146,800 | $1,500,000 | $81,800 | $1,405,000 |
| FHA-insured (Federal Housing Administration) | 188 | $18,776,000 | $116,666 | $198,000 | $66,666 | $137,000 |
| VA-guaranteed (Veterans Administration) | 51 | $5,569,000 | $96,250 | $260,000 | $50,750 | $149,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $66,000 | $33,000 | $40,000 | $31,500 | $50,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 686 | $68,493,000 | $145,800 | $1,500,000 | $81,000 | $1,405,000 |
| Application Withdrawn By Applicant | 127 | $15,657,000 | $171,750 | $450,000 | $116,000 | $408,000 |
| Application Denied By Financial Institution | 90 | $8,991,000 | $98,250 | $500,000 | $40,750 | $93,000 |
| File Closed For Incompleteness | 17 | $1,792,000 | $99,000 | $200,000 | $38,000 | $124,000 |
| Application Approved But Not Accepted | 3 | $558,000 | $186,000 | $250,000 | $320,000 | $660,000 |
| 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 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 60 | $6,199,000 | $100,500 | $500,000 | $43,750 | $93,000 |
| Debt-To-Income Ratio | 23 | $2,251,000 | $96,500 | $212,000 | $17,000 | $65,000 |
| Collateral | 2 | $215,000 | $107,500 | $212,000 | $42,000 | $48,000 |
| Unverifiable Information | 2 | $206,000 | $103,000 | $117,000 | $31,000 | $33,000 |
| Credit Application Incomplete | 1 | $79,000 | $79,000 | $79,000 | $49,000 | $49,000 |
| Employment History | 1 | $31,000 | $31,000 | $31,000 | $42,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First International Bank & Trust's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First International Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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