First International Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, First International Bank & Trust of Minot, ND reported 1,289 mortgage applications totaling $380.0 million, up 6% from 2014. The average application was for $294,802, and applicants reported an average income of $123,731. 83% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Fargo, ND-MN (463), Phoenix-Mesa-Scottsdale, AZ (267) and Bismarck, ND (30) (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 | 1,289 |
| Total Mortgage Loan Application Amount | $380,001,000 |
| Average Mortgage Loan Application Amount | $294,802 |
| Highest Mortgage Loan Application Amount | $41,649,000 |
| Average Applicant Income | $123,731 |
| Highest Applicant Income | $2,263,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 364 | $ 83,251,000 | $ 228,711 | $ 101,000 |
| Maricopa, Arizona | 243 | $ 80,873,000 | $ 332,810 | $ 167,000 |
| Ward, North Dakota | 129 | $ 30,558,000 | $ 236,883 | $ 91,000 |
| Clay, Minnesota | 99 | $ 22,923,000 | $ 231,545 | $ 95,000 |
| McKenzie, North Dakota | 71 | $ 19,295,000 | $ 271,760 | $ 102,000 |
| Williams, North Dakota | 62 | $ 66,011,000 | $ 1,064,693 | $ 158,000 |
| Becker, Minnesota | 34 | $ 8,760,000 | $ 257,647 | $ 192,000 |
| Otter Tail, Minnesota | 27 | $ 6,698,000 | $ 248,074 | $ 166,000 |
| Wells, North Dakota | 27 | $ 1,916,000 | $ 70,962 | $ 55,000 |
| Burleigh, North Dakota | 25 | $ 5,428,000 | $ 217,120 | $ 68,000 |
| Pinal, Arizona | 24 | $ 5,202,000 | $ 216,750 | $ 92,000 |
| Mountrail, North Dakota | 17 | $ 6,118,000 | $ 359,882 | $ 178,000 |
| Todd, Minnesota | 11 | $ 1,220,000 | $ 110,909 | $ 257,000 |
| Grant, North Dakota | 10 | $ 2,140,000 | $ 214,000 | $ 263,000 |
| Traill, North Dakota | 7 | $ 977,000 | $ 139,571 | $ 67,000 |
| Wadena, Minnesota | 6 | $ 696,000 | $ 116,000 | $ 89,000 |
| Dunn, North Dakota | 6 | $ 620,000 | $ 103,333 | $ 49,000 |
| Hennepin, Minnesota | 5 | $ 1,116,000 | $ 223,200 | $ 254,000 |
| Grand Forks, North Dakota | 5 | $ 702,000 | $ 140,400 | $ 123,000 |
| Morton, North Dakota | 5 | $ 5,106,000 | $ 1,021,200 | $ 66,000 |
| Richland, North Dakota | 5 | $ 1,144,000 | $ 228,800 | $ 84,000 |
| Cass, Minnesota | 4 | $ 609,000 | $ 152,250 | $ 41,000 |
| Bottineau, North Dakota | 4 | $ 638,000 | $ 159,500 | $ 539,000 |
| McLean, North Dakota | 4 | $ 776,000 | $ 194,000 | $ 60,000 |
| Renville, North Dakota | 4 | $ 857,000 | $ 214,250 | $ 472,000 |
| Yavapai, Arizona | 3 | $ 851,000 | $ 283,666 | $ 217,000 |
| Hubbard, Minnesota | 3 | $ 641,000 | $ 213,666 | $ 213,000 |
| Morrison, Minnesota | 3 | $ 208,000 | $ 69,333 | $ 70,000 |
| Ramsey, Minnesota | 3 | $ 516,000 | $ 172,000 | $ 92,000 |
| Wilkin, Minnesota | 3 | $ 322,000 | $ 107,333 | $ 92,000 |
| Stark, North Dakota | 3 | $ 976,000 | $ 325,333 | $ 126,000 |
| Lincoln, Wyoming | 3 | $ 8,584,000 | $ 2,861,333 | $ 0 |
| Navajo, Arizona | 2 | $ 371,000 | $ 185,500 | $ 88,000 |
| Monroe, Florida | 2 | $ 1,600,000 | $ 800,000 | $ 646,000 |
| Carver, Minnesota | 2 | $ 757,000 | $ 378,500 | $ 100,000 |
| Dakota, Minnesota | 2 | $ 639,000 | $ 319,500 | $ 136,000 |
| Douglas, Nebraska | 2 | $ 281,000 | $ 140,500 | $ 72,000 |
| Benson, North Dakota | 2 | $ 436,000 | $ 218,000 | $ 48,000 |
| Burke, North Dakota | 2 | $ 52,000 | $ 26,000 | $ 94,000 |
| McHenry, North Dakota | 2 | $ 221,000 | $ 110,500 | $ 51,000 |
| Mercer, North Dakota | 2 | $ 284,000 | $ 142,000 | $ 41,000 |
| Pierce, North Dakota | 2 | $ 137,000 | $ 68,500 | $ 52,000 |
| Ransom, North Dakota | 2 | $ 203,000 | $ 101,500 | $ 40,000 |
| Stutsman, North Dakota | 2 | $ 311,000 | $ 155,500 | $ 29,000 |
| Lane, Oregon | 2 | $ 261,000 | $ 130,500 | $ 151,000 |
| Lawrence, South Dakota | 2 | $ 268,000 | $ 134,000 | $ 145,000 |
| Spokane, Washington | 2 | $ 200,000 | $ 100,000 | $ 155,000 |
| Gila, Arizona | 1 | $ 550,000 | $ 550,000 | $ 11,000 |
| Mohave, Arizona | 1 | $ 92,000 | $ 92,000 | $ 79,000 |
| Adams, Colorado | 1 | $ 232,000 | $ 232,000 | $ 102,000 |
| Palm Beach, Florida | 1 | $ 153,000 | $ 153,000 | $ 46,000 |
| Sarasota, Florida | 1 | $ 75,000 | $ 75,000 | $ 76,000 |
| Volusia, Florida | 1 | $ 180,000 | $ 180,000 | $ 224,000 |
| Ada, Idaho | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Hamilton, Indiana | 1 | $ 359,000 | $ 359,000 | $ 124,000 |
| Clearwater, Minnesota | 1 | $ 221,000 | $ 221,000 | $ 85,000 |
| Crow Wing, Minnesota | 1 | $ 245,000 | $ 245,000 | $ 293,000 |
| Grant, Minnesota | 1 | $ 329,000 | $ 329,000 | $ 324,000 |
| Isanti, Minnesota | 1 | $ 171,000 | $ 171,000 | $ 153,000 |
| Kandiyohi, Minnesota | 1 | $ 16,000 | $ 16,000 | $ 45,000 |
| Meeker, Minnesota | 1 | $ 220,000 | $ 220,000 | $ 92,000 |
| Norman, Minnesota | 1 | $ 211,000 | $ 211,000 | $ 77,000 |
| Olmsted, Minnesota | 1 | $ 398,000 | $ 398,000 | $ 290,000 |
| Polk, Minnesota | 1 | $ 193,000 | $ 193,000 | $ 375,000 |
| Sherburne, Minnesota | 1 | $ 181,000 | $ 181,000 | $ 118,000 |
| Swift, Minnesota | 1 | $ 164,000 | $ 164,000 | $ 44,000 |
| Yellow Medicine, Minnesota | 1 | $ 235,000 | $ 235,000 | $ 380,000 |
| Flathead, Montana | 1 | $ 388,000 | $ 388,000 | $ 0 |
| Lewis and Clark, Montana | 1 | $ 130,000 | $ 130,000 | $ 52,000 |
| Richland, Montana | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Roosevelt, Montana | 1 | $ 1,055,000 | $ 1,055,000 | $ 0 |
| Clark, Nevada | 1 | $ 288,000 | $ 288,000 | $ 170,000 |
| Barnes, North Dakota | 1 | $ 154,000 | $ 154,000 | $ 60,000 |
| Cavalier, North Dakota | 1 | $ 180,000 | $ 180,000 | $ 42,000 |
| Griggs, North Dakota | 1 | $ 175,000 | $ 175,000 | $ 209,000 |
| Hettinger, North Dakota | 1 | $ 161,000 | $ 161,000 | $ 56,000 |
| Kidder, North Dakota | 1 | $ 112,000 | $ 112,000 | $ 72,000 |
| Nelson, North Dakota | 1 | $ 34,000 | $ 34,000 | $ 73,000 |
| Ramsey, North Dakota | 1 | $ 90,000 | $ 90,000 | $ 74,000 |
| Sargent, North Dakota | 1 | $ 78,000 | $ 78,000 | $ 32,000 |
| Steele, North Dakota | 1 | $ 24,000 | $ 24,000 | $ 38,000 |
| Towner, North Dakota | 1 | $ 75,000 | $ 75,000 | $ 88,000 |
| Oklahoma, Oklahoma | 1 | $ 170,000 | $ 170,000 | $ 45,000 |
| Marion, Oregon | 1 | $ 160,000 | $ 160,000 | $ 137,000 |
| Marshall, South Dakota | 1 | $ 142,000 | $ 142,000 | $ 69,000 |
| Pennington, South Dakota | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Dodge, 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.
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