First International Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, First International Bank & Trust of Minot, ND reported 548 mortgage applications totaling $52.8 million, down 41% from 2004. The average application was for $96,328, and applicants reported an average income of $66,786. 84% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Fargo, ND-MN (205), Phoenix-Mesa-Scottsdale, AZ (12) and Bismarck, ND (6) (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 | 548 |
| Total Mortgage Loan Application Amount | $52,788,000 |
| Average Mortgage Loan Application Amount | $96,328 |
| Highest Mortgage Loan Application Amount | $1,198,000 |
| Average Applicant Income | $66,786 |
| Highest Applicant Income | $4,243,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 205 | $ 20,680,000 | $ 100,878 | $ 52,000 |
| Ward, North Dakota | 112 | $ 12,303,000 | $ 109,848 | $ 58,000 |
| Clay, Minnesota | 67 | $ 5,418,000 | $ 80,865 | $ 51,000 |
| Williams, North Dakota | 35 | $ 2,138,000 | $ 61,085 | $ 39,000 |
| McKenzie, North Dakota | 22 | $ 1,343,000 | $ 61,045 | $ 46,000 |
| Wells, North Dakota | 19 | $ 927,000 | $ 48,789 | $ 33,000 |
| Becker, Minnesota | 14 | $ 1,928,000 | $ 137,714 | $ 79,000 |
| Maricopa, Arizona | 9 | $ 1,316,000 | $ 146,222 | $ 81,000 |
| Otter Tail, Minnesota | 7 | $ 613,000 | $ 87,571 | $ 57,000 |
| Richland, North Dakota | 7 | $ 719,000 | $ 102,714 | $ 42,000 |
| McHenry, North Dakota | 6 | $ 751,000 | $ 125,166 | $ 65,000 |
| Burleigh, North Dakota | 5 | $ 742,000 | $ 148,400 | $ 69,000 |
| Dunn, North Dakota | 5 | $ 414,000 | $ 82,800 | $ 50,000 |
| Pinal, Arizona | 3 | $ 190,000 | $ 63,333 | $ 31,000 |
| Scott, Minnesota | 3 | $ 350,000 | $ 116,666 | $ 61,000 |
| Mountrail, North Dakota | 3 | $ 203,000 | $ 67,666 | $ 65,000 |
| Hubbard, Minnesota | 2 | $ 177,000 | $ 88,500 | $ 84,000 |
| Grand Forks, North Dakota | 2 | $ 187,000 | $ 93,500 | $ 85,000 |
| McLean, North Dakota | 2 | $ 88,000 | $ 44,000 | $ 70,000 |
| Navajo, Arizona | 1 | $ 90,000 | $ 90,000 | $ 49,000 |
| Pima, Arizona | 1 | $ 150,000 | $ 150,000 | $ 4,243,000 |
| Dakota, Minnesota | 1 | $ 225,000 | $ 225,000 | $ 52,000 |
| Hennepin, Minnesota | 1 | $ 70,000 | $ 70,000 | $ 48,000 |
| Mahnomen, Minnesota | 1 | $ 65,000 | $ 65,000 | $ 64,000 |
| Norman, Minnesota | 1 | $ 30,000 | $ 30,000 | $ 42,000 |
| Wadena, Minnesota | 1 | $ 173,000 | $ 173,000 | $ 184,000 |
| Wilkin, Minnesota | 1 | $ 97,000 | $ 97,000 | $ 29,000 |
| Dawson, Montana | 1 | $ 49,000 | $ 49,000 | $ 76,000 |
| Flathead, Montana | 1 | $ 325,000 | $ 325,000 | $ 50,000 |
| Madison, Montana | 1 | $ 132,000 | $ 132,000 | $ 50,000 |
| Benson, North Dakota | 1 | $ 32,000 | $ 32,000 | $ 44,000 |
| Bottineau, North Dakota | 1 | $ 200,000 | $ 200,000 | $ 175,000 |
| Burke, North Dakota | 1 | $ 50,000 | $ 50,000 | $ 72,000 |
| Foster, North Dakota | 1 | $ 77,000 | $ 77,000 | $ 327,000 |
| Griggs, North Dakota | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Morton, North Dakota | 1 | $ 100,000 | $ 100,000 | $ 144,000 |
| Ransom, North Dakota | 1 | $ 27,000 | $ 27,000 | $ 27,000 |
| Stutsman, North Dakota | 1 | $ 61,000 | $ 61,000 | $ 44,000 |
| Traill, North Dakota | 1 | $ 205,000 | $ 205,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2005
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 | 305 | $31,648,000 | $108,750 | $1,198,000 | $268,500 | $4,243,000 |
| Refinancing | 194 | $19,435,000 | $161,500 | $360,000 | $56,250 | $458,000 |
| Home Improvement | 49 | $1,705,000 | $45,333 | $215,000 | $68,333 | $327,000 |
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 | 519 | $49,073,000 | $119,500 | $360,000 | $165,750 | $4,243,000 |
| Not applicable | 16 | $2,631,000 | $164,000 | $1,198,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $283,000 | $70,000 | $155,000 | $66,000 | $98,000 |
| Hispanic | 4 | $346,000 | $86,000 | $152,000 | $58,000 | $91,000 |
| Black or African American | 3 | $325,000 | $108,000 | $230,000 | $92,000 | $150,000 |
| Not Provided | 1 | $30,000 | $30,000 | $30,000 | $42,000 | $42,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $100,000 | $100,000 | $100,000 | $36,000 | $36,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 483 | $45,733,000 | $119,000 | $1,198,000 | $164,500 | $4,243,000 |
| FHA-insured (Federal Housing Administration) | 52 | $5,142,000 | $108,500 | $186,000 | $49,500 | $140,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,913,000 | $147,000 | $217,000 | $54,000 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 460 | $43,000,000 | $119,750 | $1,198,000 | $213,250 | $4,243,000 |
| Application Approved But Not Accepted | 62 | $7,885,000 | $129,666 | $332,000 | $52,666 | $127,000 |
| Application Denied By Financial Institution | 15 | $946,000 | $62,666 | $167,000 | $26,666 | $56,000 |
| Application Withdrawn By Applicant | 11 | $957,000 | $94,500 | $167,000 | $59,500 | $192,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 7 | $324,000 | $44,000 | $100,000 | $30,333 | $56,000 |
| Debt-To-Income Ratio | 4 | $454,000 | $113,500 | $167,000 | $25,000 | $39,000 |
| Employment History | 1 | $54,000 | $54,000 | $54,000 | $29,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $22,000 | $22,000 |
| Collateral | 1 | $13,000 | $13,000 | $13,000 | $13,000 | $13,000 |
| Other | 1 | $56,000 | $56,000 | $56,000 | $41,000 | $41,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First International Bank & Trust's 2005 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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