First International Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
First International Bank & Trust 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First International Bank & Trust 1600 S Bdway Watford City, ND 58701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 1,289 |
| Total Mortgage Loan Application Amount | $380,001,000 |
| Average Mortgage Loan Application Amount | $253,666 |
| Highest Mortgage Loan Application Amount | $41,649,000 |
| Average Applicant Income | $144,333 |
| Highest Applicant Income | $2,263,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with First International Bank & Trust. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First International Bank & Trust's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down First International Bank & Trust's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First International Bank & Trust serves its applicants.
Each category highlights the total number of mortgage applications processed by First International Bank & Trust, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First International Bank & Trust's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cass County North Dakota | 364 | $ 83,251,000 | $ 228,000 | $ 101,000 |
| Maricopa County Arizona | 243 | $ 80,873,000 | $ 332,000 | $ 167,000 |
| Ward County North Dakota | 129 | $ 30,558,000 | $ 236,000 | $ 91,000 |
| Clay County Minnesota | 99 | $ 22,923,000 | $ 231,000 | $ 95,000 |
| McKenzie County North Dakota | 71 | $ 19,295,000 | $ 271,000 | $ 102,000 |
| Williams County North Dakota | 62 | $ 66,011,000 | $ 1,064,000 | $ 158,000 |
| Becker County Minnesota | 34 | $ 8,760,000 | $ 257,000 | $ 192,000 |
| Otter Tail County Minnesota | 27 | $ 6,698,000 | $ 248,000 | $ 166,000 |
| Wells County North Dakota | 27 | $ 1,916,000 | $ 70,000 | $ 55,000 |
| Burleigh County North Dakota | 25 | $ 5,428,000 | $ 217,000 | $ 68,000 |
| Pinal County Arizona | 24 | $ 5,202,000 | $ 216,000 | $ 92,000 |
| Mountrail County North Dakota | 17 | $ 6,118,000 | $ 359,000 | $ 178,000 |
| Todd County Minnesota | 11 | $ 1,220,000 | $ 110,000 | $ 257,000 |
| Grant County North Dakota | 10 | $ 2,140,000 | $ 214,000 | $ 263,000 |
| Traill County North Dakota | 7 | $ 977,000 | $ 139,000 | $ 67,000 |
| Wadena County Minnesota | 6 | $ 696,000 | $ 116,000 | $ 89,000 |
| Dunn County North Dakota | 6 | $ 620,000 | $ 103,000 | $ 49,000 |
| Hennepin County Minnesota | 5 | $ 1,116,000 | $ 223,000 | $ 254,000 |
| Grand Forks County North Dakota | 5 | $ 702,000 | $ 140,000 | $ 123,000 |
| Morton County North Dakota | 5 | $ 5,106,000 | $ 1,021,000 | $ 66,000 |
| Richland County North Dakota | 5 | $ 1,144,000 | $ 228,000 | $ 84,000 |
| Cass County Minnesota | 4 | $ 609,000 | $ 152,000 | $ 41,000 |
| Bottineau County North Dakota | 4 | $ 638,000 | $ 159,000 | $ 539,000 |
| McLean County North Dakota | 4 | $ 776,000 | $ 194,000 | $ 60,000 |
| Renville County North Dakota | 4 | $ 857,000 | $ 214,000 | $ 472,000 |
| Yavapai County Arizona | 3 | $ 851,000 | $ 283,000 | $ 217,000 |
| Hubbard County Minnesota | 3 | $ 641,000 | $ 213,000 | $ 213,000 |
| Morrison County Minnesota | 3 | $ 208,000 | $ 69,000 | $ 70,000 |
| Ramsey County Minnesota | 3 | $ 516,000 | $ 172,000 | $ 92,000 |
| Wilkin County Minnesota | 3 | $ 322,000 | $ 107,000 | $ 92,000 |
| Stark County North Dakota | 3 | $ 976,000 | $ 325,000 | $ 126,000 |
| Lincoln County Wyoming | 3 | $ 8,584,000 | $ 2,861,000 | $ 0 |
| Navajo County Arizona | 2 | $ 371,000 | $ 185,000 | $ 88,000 |
| Monroe County Florida | 2 | $ 1,600,000 | $ 800,000 | $ 646,000 |
| Carver County Minnesota | 2 | $ 757,000 | $ 378,000 | $ 100,000 |
| Dakota County Minnesota | 2 | $ 639,000 | $ 319,000 | $ 136,000 |
| Douglas County Nebraska | 2 | $ 281,000 | $ 140,000 | $ 72,000 |
| Benson County North Dakota | 2 | $ 436,000 | $ 218,000 | $ 48,000 |
| Burke County North Dakota | 2 | $ 52,000 | $ 26,000 | $ 94,000 |
| McHenry County North Dakota | 2 | $ 221,000 | $ 110,000 | $ 51,000 |
| Mercer County North Dakota | 2 | $ 284,000 | $ 142,000 | $ 41,000 |
| Pierce County North Dakota | 2 | $ 137,000 | $ 68,000 | $ 52,000 |
| Ransom County North Dakota | 2 | $ 203,000 | $ 101,000 | $ 40,000 |
| Stutsman County North Dakota | 2 | $ 311,000 | $ 155,000 | $ 29,000 |
| Lane County Oregon | 2 | $ 261,000 | $ 130,000 | $ 151,000 |
| Lawrence County South Dakota | 2 | $ 268,000 | $ 134,000 | $ 145,000 |
| Spokane County Washington | 2 | $ 200,000 | $ 100,000 | $ 155,000 |
| Gila County Arizona | 1 | $ 550,000 | $ 550,000 | $ 11,000 |
| Mohave County Arizona | 1 | $ 92,000 | $ 92,000 | $ 79,000 |
| Adams County Colorado | 1 | $ 232,000 | $ 232,000 | $ 102,000 |
| Palm Beach County Florida | 1 | $ 153,000 | $ 153,000 | $ 46,000 |
| Sarasota County Florida | 1 | $ 75,000 | $ 75,000 | $ 76,000 |
| Volusia County Florida | 1 | $ 180,000 | $ 180,000 | $ 224,000 |
| Ada County Idaho | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Hamilton County Indiana | 1 | $ 359,000 | $ 359,000 | $ 124,000 |
| Clearwater County Minnesota | 1 | $ 221,000 | $ 221,000 | $ 85,000 |
| Crow Wing County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 293,000 |
| Grant County Minnesota | 1 | $ 329,000 | $ 329,000 | $ 324,000 |
| Isanti County Minnesota | 1 | $ 171,000 | $ 171,000 | $ 153,000 |
| Kandiyohi County Minnesota | 1 | $ 16,000 | $ 16,000 | $ 45,000 |
| Meeker County Minnesota | 1 | $ 220,000 | $ 220,000 | $ 92,000 |
| Norman County Minnesota | 1 | $ 211,000 | $ 211,000 | $ 77,000 |
| Olmsted County Minnesota | 1 | $ 398,000 | $ 398,000 | $ 290,000 |
| Polk County Minnesota | 1 | $ 193,000 | $ 193,000 | $ 375,000 |
| Sherburne County Minnesota | 1 | $ 181,000 | $ 181,000 | $ 118,000 |
| Swift County Minnesota | 1 | $ 164,000 | $ 164,000 | $ 44,000 |
| Yellow Medicine County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 380,000 |
| Flathead County Montana | 1 | $ 388,000 | $ 388,000 | $ 0 |
| Lewis and Clark County Montana | 1 | $ 130,000 | $ 130,000 | $ 52,000 |
| Richland County Montana | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Roosevelt County Montana | 1 | $ 1,055,000 | $ 1,055,000 | $ 0 |
| Clark County Nevada | 1 | $ 288,000 | $ 288,000 | $ 170,000 |
| Barnes County North Dakota | 1 | $ 154,000 | $ 154,000 | $ 60,000 |
| Cavalier County North Dakota | 1 | $ 180,000 | $ 180,000 | $ 42,000 |
| Griggs County North Dakota | 1 | $ 175,000 | $ 175,000 | $ 209,000 |
| Hettinger County North Dakota | 1 | $ 161,000 | $ 161,000 | $ 56,000 |
| Kidder County North Dakota | 1 | $ 112,000 | $ 112,000 | $ 72,000 |
| Nelson County North Dakota | 1 | $ 34,000 | $ 34,000 | $ 73,000 |
| Ramsey County North Dakota | 1 | $ 90,000 | $ 90,000 | $ 74,000 |
| Sargent County North Dakota | 1 | $ 78,000 | $ 78,000 | $ 32,000 |
| Steele County North Dakota | 1 | $ 24,000 | $ 24,000 | $ 38,000 |
| Towner County North Dakota | 1 | $ 75,000 | $ 75,000 | $ 88,000 |
| Oklahoma County Oklahoma | 1 | $ 170,000 | $ 170,000 | $ 45,000 |
| Marion County Oregon | 1 | $ 160,000 | $ 160,000 | $ 137,000 |
| Marshall County South Dakota | 1 | $ 142,000 | $ 142,000 | $ 69,000 |
| Pennington County South Dakota | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Dodge County Wisconsin | 1 | $ 92,000 | $ 92,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2015
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 | 838 | $277,276,000 | $330,000 | $41,649,000 | $118,000 | $1,913,000 |
| Refinancing | 391 | $90,766,000 | $232,000 | $4,875,000 | $126,000 | $1,790,000 |
| Home Improvement | 60 | $11,959,000 | $199,000 | $3,640,000 | $189,000 | $2,263,000 |
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 | 1,094 | $242,638,000 | $221,000 | $1,400,000 | $131,000 | $2,263,000 |
| Not applicable | 74 | $107,504,000 | $1,452,000 | $41,649,000 | $0 | $0 |
| Not Provided | 50 | $14,269,000 | $285,000 | $983,000 | $157,000 | $844,000 |
| Hispanic | 24 | $5,073,000 | $211,000 | $496,000 | $95,000 | $223,000 |
| Asian | 22 | $5,125,000 | $232,000 | $727,000 | $125,000 | $565,000 |
| Black or African American | 13 | $3,389,000 | $260,000 | $548,000 | $106,000 | $197,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $943,000 | $157,000 | $187,000 | $65,000 | $89,000 |
| American Indian or Alaskan Native | 6 | $1,060,000 | $176,000 | $315,000 | $138,000 | $314,000 |
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) | 1,072 | $335,931,000 | $313,000 | $41,649,000 | $135,000 | $2,263,000 |
| FHA-insured (Federal Housing Administration) | 158 | $29,678,000 | $187,000 | $334,000 | $62,000 | $173,000 |
| VA-guaranteed (Veterans Administration) | 50 | $13,188,000 | $263,000 | $507,000 | $80,000 | $152,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,204,000 | $133,000 | $218,000 | $51,000 | $82,000 |
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 | 1,076 | $330,428,000 | $307,000 | $41,649,000 | $127,000 | $2,263,000 |
| Application Withdrawn By Applicant | 79 | $18,810,000 | $238,000 | $630,000 | $114,000 | $600,000 |
| Application Denied By Financial Institution | 76 | $17,908,000 | $235,000 | $918,000 | $99,000 | $801,000 |
| Application Approved But Not Accepted | 58 | $12,855,000 | $221,000 | $1,200,000 | $108,000 | $270,000 |
| 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 | 24 | $4,810,000 | $200,000 | $750,000 | $105,000 | $380,000 |
| Collateral | 23 | $5,598,000 | $243,000 | $918,000 | $122,000 | $801,000 |
| Debt-To-Income Ratio | 19 | $5,187,000 | $273,000 | $550,000 | $65,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,121,000 | $280,000 | $493,000 | $160,000 | $308,000 |
| Unverifiable Information | 3 | $621,000 | $207,000 | $275,000 | $53,000 | $78,000 |
| Employment History | 3 | $571,000 | $190,000 | $262,000 | $55,000 | $87,000 |
| Credit Application Incomplete | 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 2015 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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with aggregated HMDA statistics today.