First International Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, First International Bank & Trust of Minot, ND reported 843 mortgage applications totaling $131.3 million, up 57% from 2008. The average application was for $155,737, and applicants reported an average income of $88,168. 77% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Fargo, ND-MN (359), Phoenix-Mesa-Scottsdale, AZ (60) and Bismarck, ND (10) (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 | 843 |
| Total Mortgage Loan Application Amount | $131,287,000 |
| Average Mortgage Loan Application Amount | $155,737 |
| Highest Mortgage Loan Application Amount | $2,070,000 |
| Average Applicant Income | $88,168 |
| Highest Applicant Income | $1,145,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 305 | $ 47,125,000 | $ 154,508 | $ 86,000 |
| Ward, North Dakota | 149 | $ 21,875,000 | $ 146,812 | $ 84,000 |
| Williams, North Dakota | 65 | $ 8,054,000 | $ 123,907 | $ 80,000 |
| Clay, Minnesota | 54 | $ 9,610,000 | $ 177,962 | $ 65,000 |
| Maricopa, Arizona | 51 | $ 11,692,000 | $ 229,254 | $ 125,000 |
| McKenzie, North Dakota | 28 | $ 2,871,000 | $ 102,535 | $ 83,000 |
| Becker, Minnesota | 23 | $ 4,716,000 | $ 205,043 | $ 156,000 |
| Wells, North Dakota | 21 | $ 1,537,000 | $ 73,190 | $ 55,000 |
| Cass, Minnesota | 12 | $ 604,000 | $ 50,333 | $ 36,000 |
| Todd, Minnesota | 10 | $ 682,000 | $ 68,200 | $ 64,000 |
| Bottineau, North Dakota | 10 | $ 5,934,000 | $ 593,400 | $ 109,000 |
| Pinal, Arizona | 9 | $ 1,234,000 | $ 137,111 | $ 214,000 |
| Richland, North Dakota | 9 | $ 1,749,000 | $ 194,333 | $ 69,000 |
| Otter Tail, Minnesota | 8 | $ 2,151,000 | $ 268,875 | $ 90,000 |
| Burleigh, North Dakota | 8 | $ 1,082,000 | $ 135,250 | $ 55,000 |
| Grant, North Dakota | 8 | $ 314,000 | $ 39,250 | $ 130,000 |
| Morrison, Minnesota | 6 | $ 319,000 | $ 53,166 | $ 40,000 |
| McHenry, North Dakota | 5 | $ 363,000 | $ 72,600 | $ 61,000 |
| Dunn, North Dakota | 4 | $ 692,000 | $ 173,000 | $ 60,000 |
| McLean, North Dakota | 4 | $ 536,000 | $ 134,000 | $ 96,000 |
| Wadena, Minnesota | 3 | $ 67,000 | $ 22,333 | $ 36,000 |
| Grand Forks, North Dakota | 3 | $ 680,000 | $ 226,666 | $ 69,000 |
| Stark, North Dakota | 3 | $ 472,000 | $ 157,333 | $ 197,000 |
| Traill, North Dakota | 3 | $ 645,000 | $ 215,000 | $ 187,000 |
| Navajo, Arizona | 2 | $ 495,000 | $ 247,500 | $ 225,000 |
| Crow Wing, Minnesota | 2 | $ 226,000 | $ 113,000 | $ 68,000 |
| Hennepin, Minnesota | 2 | $ 900,000 | $ 450,000 | $ 182,000 |
| Hubbard, Minnesota | 2 | $ 358,000 | $ 179,000 | $ 113,000 |
| Morton, North Dakota | 2 | $ 286,000 | $ 143,000 | $ 121,000 |
| Ramsey, North Dakota | 2 | $ 221,000 | $ 110,500 | $ 81,000 |
| Sheridan, North Dakota | 2 | $ 345,000 | $ 172,500 | $ 102,000 |
| Walsh, North Dakota | 2 | $ 138,000 | $ 69,000 | $ 24,000 |
| Apache, Arizona | 1 | $ 60,000 | $ 60,000 | $ 53,000 |
| Larimer, Colorado | 1 | $ 121,000 | $ 121,000 | $ 144,000 |
| Flagler, Florida | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Carver, Minnesota | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Dakota, Minnesota | 1 | $ 230,000 | $ 230,000 | $ 132,000 |
| Pennington, Minnesota | 1 | $ 120,000 | $ 120,000 | $ 119,000 |
| St. Louis, Minnesota | 1 | $ 124,000 | $ 124,000 | $ 43,000 |
| Wilkin, Minnesota | 1 | $ 66,000 | $ 66,000 | $ 31,000 |
| Wright, Minnesota | 1 | $ 98,000 | $ 98,000 | $ 67,000 |
| Missoula, Montana | 1 | $ 132,000 | $ 132,000 | $ 180,000 |
| Clark, Nevada | 1 | $ 122,000 | $ 122,000 | $ 2,000 |
| Barnes, North Dakota | 1 | $ 125,000 | $ 125,000 | $ 88,000 |
| Burke, North Dakota | 1 | $ 216,000 | $ 216,000 | $ 44,000 |
| Eddy, North Dakota | 1 | $ 118,000 | $ 118,000 | $ 1,000 |
| Foster, North Dakota | 1 | $ 46,000 | $ 46,000 | $ 62,000 |
| Hettinger, North Dakota | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Kidder, North Dakota | 1 | $ 237,000 | $ 237,000 | $ 271,000 |
| Mercer, North Dakota | 1 | $ 78,000 | $ 78,000 | $ 58,000 |
| Ransom, North Dakota | 1 | $ 88,000 | $ 88,000 | $ 54,000 |
| Renville, North Dakota | 1 | $ 151,000 | $ 151,000 | $ 69,000 |
| Stutsman, North Dakota | 1 | $ 84,000 | $ 84,000 | $ 48,000 |
| Lawrence, South Dakota | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Pennington, South Dakota | 1 | $ 248,000 | $ 248,000 | $ 71,000 |
| Perkins, South Dakota | 1 | $ 302,000 | $ 302,000 | $ 259,000 |
| Washakie, Wyoming | 1 | $ 86,000 | $ 86,000 | $ 126,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 458 | $78,794,000 | $172,000 | $2,070,000 | $86,000 | $835,000 |
| Home Purchase | 337 | $50,662,000 | $150,000 | $1,438,000 | $90,000 | $790,000 |
| Home Improvement | 48 | $1,831,000 | $38,000 | $302,000 | $96,000 | $1,145,000 |
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 | 787 | $121,588,000 | $154,000 | $2,070,000 | $90,000 | $1,145,000 |
| Not applicable | 24 | $5,520,000 | $230,000 | $1,438,000 | $0 | $0 |
| Not Provided | 11 | $1,449,000 | $131,000 | $250,000 | $113,000 | $307,000 |
| Hispanic | 10 | $1,425,000 | $142,000 | $385,000 | $92,000 | $300,000 |
| American Indian or Alaskan Native | 4 | $576,000 | $144,000 | $417,000 | $172,000 | $577,000 |
| Asian | 3 | $325,000 | $108,000 | $177,000 | $59,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $359,000 | $119,000 | $170,000 | $70,000 | $119,000 |
| Black or African American | 1 | $45,000 | $45,000 | $45,000 | $13,000 | $13,000 |
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 | $108,937,000 | $159,000 | $2,070,000 | $96,000 | $1,145,000 |
| FHA-insured (Federal Housing Administration) | 140 | $19,203,000 | $137,000 | $276,000 | $54,000 | $336,000 |
| VA-guaranteed (Veterans Administration) | 21 | $3,147,000 | $149,000 | $279,000 | $58,000 | $156,000 |
| 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 | 651 | $99,539,000 | $152,000 | $2,070,000 | $89,000 | $1,145,000 |
| Application Denied By Financial Institution | 80 | $13,406,000 | $167,000 | $1,000,000 | $79,000 | $361,000 |
| Application Approved But Not Accepted | 61 | $9,914,000 | $162,000 | $417,000 | $83,000 | $300,000 |
| Application Withdrawn By Applicant | 49 | $8,000,000 | $163,000 | $417,000 | $90,000 | $581,000 |
| File Closed For Incompleteness | 2 | $428,000 | $214,000 | $288,000 | $147,000 | $206,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 34 | $7,808,000 | $229,000 | $1,000,000 | $93,000 | $245,000 |
| Credit History | 20 | $1,584,000 | $79,000 | $276,000 | $47,000 | $207,000 |
| Debt-To-Income Ratio | 18 | $2,458,000 | $136,000 | $241,000 | $60,000 | $336,000 |
| Other | 6 | $1,232,000 | $205,000 | $323,000 | $165,000 | $361,000 |
| Employment History | 1 | $200,000 | $200,000 | $200,000 | $60,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $124,000 | $124,000 | $124,000 | $43,000 | $43,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First International Bank & Trust's 2009 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.
For a list of all lenders in North Dakota, download the full spreadsheet
with aggregated HMDA statistics today.
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