First International Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, First International Bank & Trust of Minot, ND reported 576 mortgage applications totaling $93.0 million, up 3% from 2006. The average application was for $161,477, and applicants reported an average income of $92,006. 84% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Fargo, ND-MN (282), Phoenix-Mesa-Scottsdale, AZ (11) and Bismarck, ND (9) (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 | 576 |
| Total Mortgage Loan Application Amount | $93,011,000 |
| Average Mortgage Loan Application Amount | $161,477 |
| Highest Mortgage Loan Application Amount | $3,750,000 |
| Average Applicant Income | $92,006 |
| Highest Applicant Income | $2,502,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 236 | $ 41,266,000 | $ 174,855 | $ 84,000 |
| Ward, North Dakota | 91 | $ 10,534,000 | $ 115,758 | $ 65,000 |
| Williams, North Dakota | 50 | $ 3,851,000 | $ 77,020 | $ 63,000 |
| Clay, Minnesota | 46 | $ 5,524,000 | $ 120,086 | $ 90,000 |
| Wells, North Dakota | 20 | $ 1,176,000 | $ 58,800 | $ 46,000 |
| McKenzie, North Dakota | 16 | $ 1,271,000 | $ 79,437 | $ 24,000 |
| Grant, North Dakota | 11 | $ 1,066,000 | $ 96,909 | $ 163,000 |
| Maricopa, Arizona | 10 | $ 3,645,000 | $ 364,500 | $ 397,000 |
| Becker, Minnesota | 8 | $ 1,879,000 | $ 234,875 | $ 169,000 |
| Burleigh, North Dakota | 7 | $ 1,362,000 | $ 194,571 | $ 103,000 |
| Richland, North Dakota | 7 | $ 904,000 | $ 129,142 | $ 68,000 |
| Bottineau, North Dakota | 6 | $ 4,304,000 | $ 717,333 | $ 176,000 |
| Otter Tail, Minnesota | 4 | $ 799,000 | $ 199,750 | $ 79,000 |
| Polk, Minnesota | 4 | $ 472,000 | $ 118,000 | $ 134,000 |
| McLean, North Dakota | 4 | $ 380,000 | $ 95,000 | $ 76,000 |
| Ramsey, North Dakota | 4 | $ 2,521,000 | $ 630,250 | $ 523,000 |
| Renville, North Dakota | 4 | $ 949,000 | $ 237,250 | $ 305,000 |
| Sheridan, North Dakota | 4 | $ 802,000 | $ 200,500 | $ 208,000 |
| Pierce, North Dakota | 3 | $ 135,000 | $ 45,000 | $ 47,000 |
| Ada, Idaho | 2 | $ 178,000 | $ 89,000 | $ 84,000 |
| Kittson, Minnesota | 2 | $ 80,000 | $ 40,000 | $ 480,000 |
| Grand Forks, North Dakota | 2 | $ 430,000 | $ 215,000 | $ 162,000 |
| McHenry, North Dakota | 2 | $ 307,000 | $ 153,500 | $ 31,000 |
| Morton, North Dakota | 2 | $ 136,000 | $ 68,000 | $ 80,000 |
| Lincoln, Wyoming | 2 | $ 4,108,000 | $ 2,054,000 | $ 163,000 |
| Navajo, Arizona | 1 | $ 42,000 | $ 42,000 | $ 58,000 |
| Pinal, Arizona | 1 | $ 163,000 | $ 163,000 | $ 20,000 |
| San Diego, California | 1 | $ 1,350,000 | $ 1,350,000 | $ 0 |
| Polk, Iowa | 1 | $ 281,000 | $ 281,000 | $ 90,000 |
| Anoka, Minnesota | 1 | $ 180,000 | $ 180,000 | $ 340,000 |
| Hennepin, Minnesota | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Hubbard, Minnesota | 1 | $ 170,000 | $ 170,000 | $ 115,000 |
| Itasca, Minnesota | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Mahnomen, Minnesota | 1 | $ 44,000 | $ 44,000 | $ 94,000 |
| Norman, Minnesota | 1 | $ 50,000 | $ 50,000 | $ 78,000 |
| Jackson, Missouri | 1 | $ 171,000 | $ 171,000 | $ 47,000 |
| St. Charles, Missouri | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
| Stone, Missouri | 1 | $ 150,000 | $ 150,000 | $ 56,000 |
| Madison, Montana | 1 | $ 167,000 | $ 167,000 | $ 50,000 |
| Richland, Montana | 1 | $ 24,000 | $ 24,000 | $ 48,000 |
| Roosevelt, Montana | 1 | $ 100,000 | $ 100,000 | $ 22,000 |
| Dunn, North Dakota | 1 | $ 30,000 | $ 30,000 | $ 67,000 |
| Hettinger, North Dakota | 1 | $ 30,000 | $ 30,000 | $ 31,000 |
| Logan, North Dakota | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Mountrail, North Dakota | 1 | $ 97,000 | $ 97,000 | $ 251,000 |
| Nelson, North Dakota | 1 | $ 89,000 | $ 89,000 | $ 82,000 |
| Ransom, North Dakota | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Rolette, North Dakota | 1 | $ 65,000 | $ 65,000 | $ 82,000 |
| Stark, North Dakota | 1 | $ 252,000 | $ 252,000 | $ 108,000 |
| Stutsman, North Dakota | 1 | $ 55,000 | $ 55,000 | $ 55,000 |
| Traill, North Dakota | 1 | $ 66,000 | $ 66,000 | $ 22,000 |
| Lawrence, South Dakota | 1 | $ 145,000 | $ 145,000 | $ 117,000 |
| Pennington, South Dakota | 1 | $ 190,000 | $ 190,000 | $ 51,000 |
| Sully, South Dakota | 1 | $ 30,000 | $ 30,000 | $ 0 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2007
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 | 280 | $34,950,000 | $124,000 | $1,350,000 | $72,000 | $2,502,000 |
| Refinancing | 253 | $56,582,000 | $223,000 | $3,750,000 | $115,000 | $984,000 |
| Home Improvement | 43 | $1,479,000 | $34,000 | $100,000 | $87,000 | $266,000 |
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 | 542 | $80,299,000 | $148,000 | $3,750,000 | $96,000 | $2,502,000 |
| Not applicable | 19 | $10,447,000 | $549,000 | $3,670,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $1,101,000 | $157,000 | $400,000 | $78,000 | $252,000 |
| Asian | 7 | $1,047,000 | $149,000 | $266,000 | $86,000 | $170,000 |
| Hispanic | 1 | $117,000 | $117,000 | $117,000 | $44,000 | $44,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 525 | $87,244,000 | $166,000 | $3,750,000 | $96,000 | $2,502,000 |
| FHA-insured (Federal Housing Administration) | 42 | $4,711,000 | $112,000 | $181,000 | $55,000 | $248,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,056,000 | $117,000 | $217,000 | $46,000 | $94,000 |
| 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 | 484 | $78,892,000 | $163,000 | $3,750,000 | $92,000 | $2,502,000 |
| Application Approved But Not Accepted | 36 | $5,465,000 | $151,000 | $417,000 | $95,000 | $340,000 |
| Application Denied By Financial Institution | 30 | $4,154,000 | $138,000 | $417,000 | $55,000 | $150,000 |
| Application Withdrawn By Applicant | 26 | $4,500,000 | $173,000 | $640,000 | $124,000 | $720,000 |
| 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 | 12 | $509,000 | $42,000 | $117,000 | $55,000 | $126,000 |
| Debt-To-Income Ratio | 9 | $1,384,000 | $153,000 | $266,000 | $40,000 | $73,000 |
| Other | 7 | $1,911,000 | $273,000 | $417,000 | $81,000 | $150,000 |
| Collateral | 2 | $350,000 | $175,000 | $252,000 | $31,000 | $62,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First International Bank & Trust's 2007 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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