First International Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, First International Bank & Trust of Minot, ND reported 1,172 mortgage applications totaling $209.9 million, up 26% from 2011. The average application was for $179,093, and applicants reported an average income of $101,866. 80% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Fargo, ND-MN (437), Phoenix-Mesa-Glendale, AZ (195) and Bismarck, ND (21) (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 | 1,172 |
| Total Mortgage Loan Application Amount | $209,897,000 |
| Average Mortgage Loan Application Amount | $179,093 |
| Highest Mortgage Loan Application Amount | $3,350,000 |
| Average Applicant Income | $101,866 |
| Highest Applicant Income | $3,685,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 372 | $ 61,144,000 | $ 164,365 | $ 88,000 |
| Maricopa, Arizona | 171 | $ 42,400,000 | $ 247,953 | $ 139,000 |
| Ward, North Dakota | 134 | $ 25,307,000 | $ 188,858 | $ 100,000 |
| Williams, North Dakota | 93 | $ 17,227,000 | $ 185,236 | $ 89,000 |
| McKenzie, North Dakota | 84 | $ 13,261,000 | $ 157,869 | $ 97,000 |
| Clay, Minnesota | 65 | $ 9,922,000 | $ 152,646 | $ 73,000 |
| Pinal, Arizona | 24 | $ 3,573,000 | $ 148,875 | $ 108,000 |
| Mountrail, North Dakota | 20 | $ 3,464,000 | $ 173,200 | $ 80,000 |
| Wells, North Dakota | 20 | $ 1,732,000 | $ 86,600 | $ 57,000 |
| Otter Tail, Minnesota | 18 | $ 3,346,000 | $ 185,888 | $ 156,000 |
| Becker, Minnesota | 16 | $ 3,154,000 | $ 197,125 | $ 182,000 |
| Grant, North Dakota | 16 | $ 1,196,000 | $ 74,750 | $ 53,000 |
| Burleigh, North Dakota | 15 | $ 2,635,000 | $ 175,666 | $ 76,000 |
| Todd, Minnesota | 11 | $ 912,000 | $ 82,909 | $ 31,000 |
| McHenry, North Dakota | 8 | $ 1,058,000 | $ 132,250 | $ 48,000 |
| McLean, North Dakota | 8 | $ 1,564,000 | $ 195,500 | $ 96,000 |
| Dunn, North Dakota | 7 | $ 802,000 | $ 114,571 | $ 118,000 |
| Morton, North Dakota | 6 | $ 782,000 | $ 130,333 | $ 86,000 |
| Richland, North Dakota | 6 | $ 2,432,000 | $ 405,333 | $ 70,000 |
| Cass, Minnesota | 5 | $ 464,000 | $ 92,800 | $ 64,000 |
| Polk, Minnesota | 5 | $ 699,000 | $ 139,800 | $ 76,000 |
| Wadena, Minnesota | 4 | $ 323,000 | $ 80,750 | $ 41,000 |
| Bottineau, North Dakota | 4 | $ 791,000 | $ 197,750 | $ 186,000 |
| Traill, North Dakota | 4 | $ 536,000 | $ 134,000 | $ 76,000 |
| Pima, Arizona | 3 | $ 808,000 | $ 269,333 | $ 1,339,000 |
| Ramsey, North Dakota | 3 | $ 442,000 | $ 147,333 | $ 23,000 |
| Stutsman, North Dakota | 3 | $ 403,000 | $ 134,333 | $ 45,000 |
| Gila, Arizona | 2 | $ 528,000 | $ 264,000 | $ 82,000 |
| Flagler, Florida | 2 | $ 261,000 | $ 130,500 | $ 75,000 |
| Hennepin, Minnesota | 2 | $ 1,517,000 | $ 758,500 | $ 318,000 |
| Olmsted, Minnesota | 2 | $ 163,000 | $ 81,500 | $ 98,000 |
| Barnes, North Dakota | 2 | $ 417,000 | $ 208,500 | $ 68,000 |
| Grand Forks, North Dakota | 2 | $ 224,000 | $ 112,000 | $ 73,000 |
| LaMoure, North Dakota | 2 | $ 269,000 | $ 134,500 | $ 82,000 |
| Navajo, Arizona | 1 | $ 232,000 | $ 232,000 | $ 62,000 |
| San Diego, California | 1 | $ 231,000 | $ 231,000 | $ 113,000 |
| El Paso, Colorado | 1 | $ 160,000 | $ 160,000 | $ 51,000 |
| Lee, Florida | 1 | $ 224,000 | $ 224,000 | $ 136,000 |
| Allen, Indiana | 1 | $ 61,000 | $ 61,000 | $ 44,000 |
| Hamilton, Indiana | 1 | $ 101,000 | $ 101,000 | $ 220,000 |
| Wyandotte, Kansas | 1 | $ 109,000 | $ 109,000 | $ 47,000 |
| Dakota, Minnesota | 1 | $ 207,000 | $ 207,000 | $ 100,000 |
| Douglas, Minnesota | 1 | $ 240,000 | $ 240,000 | $ 161,000 |
| Kittson, Minnesota | 1 | $ 69,000 | $ 69,000 | $ 145,000 |
| Lake of the Woods, Minnesota | 1 | $ 196,000 | $ 196,000 | $ 97,000 |
| Morrison, Minnesota | 1 | $ 93,000 | $ 93,000 | $ 135,000 |
| Norman, Minnesota | 1 | $ 107,000 | $ 107,000 | $ 67,000 |
| Ramsey, Minnesota | 1 | $ 199,000 | $ 199,000 | $ 105,000 |
| Carbon, Montana | 1 | $ 413,000 | $ 413,000 | $ 155,000 |
| Richland, Montana | 1 | $ 150,000 | $ 150,000 | $ 101,000 |
| Roosevelt, Montana | 1 | $ 226,000 | $ 226,000 | $ 94,000 |
| Benson, North Dakota | 1 | $ 80,000 | $ 80,000 | $ 163,000 |
| Burke, North Dakota | 1 | $ 58,000 | $ 58,000 | $ 89,000 |
| Divide, North Dakota | 1 | $ 134,000 | $ 134,000 | $ 33,000 |
| Foster, North Dakota | 1 | $ 56,000 | $ 56,000 | $ 108,000 |
| Mercer, North Dakota | 1 | $ 328,000 | $ 328,000 | $ 123,000 |
| Pembina, North Dakota | 1 | $ 120,000 | $ 120,000 | $ 30,000 |
| Renville, North Dakota | 1 | $ 142,000 | $ 142,000 | $ 40,000 |
| Sheridan, North Dakota | 1 | $ 30,000 | $ 30,000 | $ 33,000 |
| Stark, North Dakota | 1 | $ 245,000 | $ 245,000 | $ 85,000 |
| Walsh, North Dakota | 1 | $ 110,000 | $ 110,000 | $ 113,000 |
| Brown, South Dakota | 1 | $ 90,000 | $ 90,000 | $ 67,000 |
| Lawrence, South Dakota | 1 | $ 142,000 | $ 142,000 | $ 186,000 |
| Meade, South Dakota | 1 | $ 352,000 | $ 352,000 | $ 883,000 |
| Washington, Utah | 1 | $ 90,000 | $ 90,000 | $ 58,000 |
| Eau Claire, Wisconsin | 1 | $ 271,000 | $ 271,000 | $ 124,000 |
| Lincoln, Wyoming | 1 | $ 875,000 | $ 875,000 | $ 0 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2012
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 | 681 | $128,126,000 | $188,000 | $3,350,000 | $108,000 | $3,685,000 |
| Refinancing | 429 | $77,614,000 | $180,000 | $2,000,000 | $95,000 | $717,000 |
| Home Improvement | 62 | $4,157,000 | $67,000 | $349,000 | $82,000 | $535,000 |
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 | 1,053 | $182,362,000 | $173,000 | $1,680,000 | $106,000 | $3,685,000 |
| Not applicable | 61 | $18,222,000 | $298,000 | $3,350,000 | $0 | $0 |
| Not Provided | 22 | $3,271,000 | $148,000 | $880,000 | $100,000 | $344,000 |
| American Indian or Alaskan Native | 14 | $1,981,000 | $141,000 | $239,000 | $78,000 | $240,000 |
| Asian | 9 | $1,473,000 | $163,000 | $417,000 | $324,000 | $934,000 |
| Black or African American | 7 | $1,458,000 | $208,000 | $417,000 | $117,000 | $310,000 |
| Hispanic | 3 | $581,000 | $193,000 | $268,000 | $130,000 | $231,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $549,000 | $183,000 | $338,000 | $136,000 | $225,000 |
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) | 960 | $174,200,000 | $181,000 | $3,350,000 | $111,000 | $3,685,000 |
| FHA-insured (Federal Housing Administration) | 154 | $24,059,000 | $156,000 | $352,000 | $58,000 | $238,000 |
| VA-guaranteed (Veterans Administration) | 45 | $9,605,000 | $213,000 | $661,000 | $63,000 | $261,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $2,033,000 | $156,000 | $245,000 | $45,000 | $85,000 |
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 | 932 | $169,618,000 | $181,000 | $3,350,000 | $104,000 | $3,685,000 |
| Application Denied By Financial Institution | 103 | $17,989,000 | $174,000 | $1,000,000 | $76,000 | $344,000 |
| Application Approved But Not Accepted | 98 | $16,351,000 | $166,000 | $417,000 | $94,000 | $313,000 |
| Application Withdrawn By Applicant | 37 | $5,785,000 | $156,000 | $417,000 | $121,000 | $526,000 |
| File Closed For Incompleteness | 2 | $154,000 | $77,000 | $110,000 | $169,000 | $320,000 |
| 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 | 35 | $7,516,000 | $214,000 | $1,000,000 | $93,000 | $276,000 |
| Credit History | 34 | $4,943,000 | $145,000 | $880,000 | $75,000 | $344,000 |
| Debt-To-Income Ratio | 27 | $4,713,000 | $174,000 | $384,000 | $62,000 | $211,000 |
| Employment History | 3 | $333,000 | $111,000 | $205,000 | $66,000 | $89,000 |
| Unverifiable Information | 2 | $250,000 | $125,000 | $215,000 | $6,000 | $12,000 |
| Other | 1 | $110,000 | $110,000 | $110,000 | $28,000 | $28,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $124,000 | $124,000 | $124,000 | $96,000 | $96,000 |
| Mortgage Insurance Denied | 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 2012 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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