First International Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, First International Bank & Trust of Minot, ND reported 1,266 mortgage applications totaling $421.4 million, down 2% from 2015. The average application was for $332,864, and applicants reported an average income of $130,452. 84% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Fargo, ND-MN (419), Phoenix-Mesa-Scottsdale, AZ (251) and Bismarck, ND (77) (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 | 1,266 |
| Total Mortgage Loan Application Amount | $421,406,000 |
| Average Mortgage Loan Application Amount | $332,864 |
| Highest Mortgage Loan Application Amount | $27,000,000 |
| Average Applicant Income | $130,452 |
| Highest Applicant Income | $3,795,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 352 | $ 118,258,000 | $ 335,960 | $ 104,000 |
| Maricopa, Arizona | 226 | $ 76,225,000 | $ 337,278 | $ 180,000 |
| Ward, North Dakota | 134 | $ 73,630,000 | $ 549,477 | $ 103,000 |
| McKenzie, North Dakota | 94 | $ 22,355,000 | $ 237,819 | $ 94,000 |
| Williams, North Dakota | 72 | $ 33,828,000 | $ 469,833 | $ 123,000 |
| Clay, Minnesota | 67 | $ 13,200,000 | $ 197,014 | $ 85,000 |
| Burleigh, North Dakota | 57 | $ 14,180,000 | $ 248,771 | $ 101,000 |
| Pinal, Arizona | 25 | $ 6,838,000 | $ 273,520 | $ 103,000 |
| Morton, North Dakota | 20 | $ 3,901,000 | $ 195,050 | $ 73,000 |
| Otter Tail, Minnesota | 19 | $ 4,156,000 | $ 218,736 | $ 294,000 |
| Becker, Minnesota | 10 | $ 3,898,000 | $ 389,800 | $ 310,000 |
| Pierce, North Dakota | 10 | $ 2,051,000 | $ 205,100 | $ 102,000 |
| Traill, North Dakota | 10 | $ 1,961,000 | $ 196,100 | $ 86,000 |
| Wadena, Minnesota | 9 | $ 4,278,000 | $ 475,333 | $ 314,000 |
| Dunn, North Dakota | 9 | $ 2,286,000 | $ 254,000 | $ 156,000 |
| Grant, North Dakota | 9 | $ 2,215,000 | $ 246,111 | $ 312,000 |
| McLean, North Dakota | 9 | $ 4,653,000 | $ 517,000 | $ 296,000 |
| Wells, North Dakota | 9 | $ 1,340,000 | $ 148,888 | $ 40,000 |
| Grand Forks, North Dakota | 7 | $ 5,630,000 | $ 804,285 | $ 647,000 |
| Todd, Minnesota | 6 | $ 421,000 | $ 70,166 | $ 53,000 |
| Mountrail, North Dakota | 6 | $ 1,292,000 | $ 215,333 | $ 88,000 |
| Navajo, Arizona | 4 | $ 772,000 | $ 193,000 | $ 231,000 |
| Bottineau, North Dakota | 4 | $ 1,034,000 | $ 258,500 | $ 97,000 |
| Richland, North Dakota | 4 | $ 558,000 | $ 139,500 | $ 109,000 |
| Stutsman, North Dakota | 4 | $ 585,000 | $ 146,250 | $ 34,000 |
| Hennepin, Minnesota | 3 | $ 698,000 | $ 232,666 | $ 89,000 |
| Norman, Minnesota | 3 | $ 419,000 | $ 139,666 | $ 59,000 |
| Burke, North Dakota | 3 | $ 566,000 | $ 188,666 | $ 110,000 |
| Divide, North Dakota | 3 | $ 664,000 | $ 221,333 | $ 135,000 |
| Kidder, North Dakota | 3 | $ 416,000 | $ 138,666 | $ 53,000 |
| McHenry, North Dakota | 3 | $ 764,000 | $ 254,666 | $ 53,000 |
| Renville, North Dakota | 3 | $ 551,000 | $ 183,666 | $ 257,000 |
| Stark, North Dakota | 3 | $ 607,000 | $ 202,333 | $ 247,000 |
| Lincoln, Wyoming | 3 | $ 2,382,000 | $ 794,000 | $ 0 |
| Coconino, Arizona | 2 | $ 595,000 | $ 297,500 | $ 423,000 |
| Mohave, Arizona | 2 | $ 428,000 | $ 214,000 | $ 379,000 |
| Anoka, Minnesota | 2 | $ 586,000 | $ 293,000 | $ 83,000 |
| Carver, Minnesota | 2 | $ 632,000 | $ 316,000 | $ 138,000 |
| Cass, Minnesota | 2 | $ 315,000 | $ 157,500 | $ 78,000 |
| Douglas, Minnesota | 2 | $ 338,000 | $ 169,000 | $ 120,000 |
| Lake of the Woods, Minnesota | 2 | $ 336,000 | $ 168,000 | $ 193,000 |
| Morrison, Minnesota | 2 | $ 810,000 | $ 405,000 | $ 268,000 |
| Wilkin, Minnesota | 2 | $ 434,000 | $ 217,000 | $ 60,000 |
| Roosevelt, Montana | 2 | $ 385,000 | $ 192,500 | $ 73,000 |
| Sheridan, North Dakota | 2 | $ 416,000 | $ 208,000 | $ 54,000 |
| Gila, Arizona | 1 | $ 170,000 | $ 170,000 | $ 259,000 |
| Pima, Arizona | 1 | $ 268,000 | $ 268,000 | $ 123,000 |
| Yavapai, Arizona | 1 | $ 270,000 | $ 270,000 | $ 134,000 |
| Drew, Arkansas | 1 | $ 151,000 | $ 151,000 | $ 37,000 |
| Los Angeles, California | 1 | $ 372,000 | $ 372,000 | $ 108,000 |
| Riverside, California | 1 | $ 565,000 | $ 565,000 | $ 1,080,000 |
| Denver, Colorado | 1 | $ 200,000 | $ 200,000 | $ 89,000 |
| Pueblo, Colorado | 1 | $ 229,000 | $ 229,000 | $ 95,000 |
| Hartford, Connecticut | 1 | $ 250,000 | $ 250,000 | $ 780,000 |
| Flagler, Florida | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Hamilton, Indiana | 1 | $ 404,000 | $ 404,000 | $ 300,000 |
| Dakota, Minnesota | 1 | $ 249,000 | $ 249,000 | $ 63,000 |
| Grant, Minnesota | 1 | $ 332,000 | $ 332,000 | $ 267,000 |
| Hubbard, Minnesota | 1 | $ 260,000 | $ 260,000 | $ 194,000 |
| Kandiyohi, Minnesota | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Marshall, Minnesota | 1 | $ 137,000 | $ 137,000 | $ 270,000 |
| Olmsted, Minnesota | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Ramsey, Minnesota | 1 | $ 181,000 | $ 181,000 | $ 63,000 |
| Sibley, Minnesota | 1 | $ 207,000 | $ 207,000 | $ 105,000 |
| St. Louis, Minnesota | 1 | $ 40,000 | $ 40,000 | $ 22,000 |
| Swift, Minnesota | 1 | $ 160,000 | $ 160,000 | $ 44,000 |
| St. Charles, Missouri | 1 | $ 349,000 | $ 349,000 | $ 180,000 |
| Ravalli, Montana | 1 | $ 369,000 | $ 369,000 | $ 0 |
| Valley, Montana | 1 | $ 380,000 | $ 380,000 | $ 180,000 |
| Yellowstone, Montana | 1 | $ 260,000 | $ 260,000 | $ 87,000 |
| Rockingham, New Hampshire | 1 | $ 166,000 | $ 166,000 | $ 78,000 |
| Colfax, New Mexico | 1 | $ 308,000 | $ 308,000 | $ 131,000 |
| Mecklenburg, North Carolina | 1 | $ 220,000 | $ 220,000 | $ 78,000 |
| Barnes, North Dakota | 1 | $ 60,000 | $ 60,000 | $ 55,000 |
| Billings, North Dakota | 1 | $ 30,000 | $ 30,000 | $ 30,000 |
| Foster, North Dakota | 1 | $ 182,000 | $ 182,000 | $ 80,000 |
| Mercer, North Dakota | 1 | $ 200,000 | $ 200,000 | $ 292,000 |
| Ransom, North Dakota | 1 | $ 138,000 | $ 138,000 | $ 51,000 |
| Towner, North Dakota | 1 | $ 133,000 | $ 133,000 | $ 67,000 |
| Lawrence, South Dakota | 1 | $ 272,000 | $ 272,000 | $ 156,000 |
| Lincoln, South Dakota | 1 | $ 417,000 | $ 417,000 | $ 425,000 |
| Pennington, South Dakota | 1 | $ 171,000 | $ 171,000 | $ 126,000 |
| Comal, Texas | 1 | $ 228,000 | $ 228,000 | $ 165,000 |
| Travis, Texas | 1 | $ 155,000 | $ 155,000 | $ 186,000 |
| Wise, Texas | 1 | $ 120,000 | $ 120,000 | $ 33,000 |
| Clark, Washington | 1 | $ 360,000 | $ 360,000 | $ 164,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2016
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 | 798 | $276,639,000 | $346,000 | $27,000,000 | $125,000 | $3,795,000 |
| Refinancing | 411 | $137,994,000 | $335,000 | $27,000,000 | $135,000 | $1,997,000 |
| Home Improvement | 57 | $6,773,000 | $118,000 | $840,000 | $174,000 | $3,282,000 |
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 | 1,102 | $270,911,000 | $245,000 | $3,300,000 | $138,000 | $3,795,000 |
| Not applicable | 60 | $121,500,000 | $2,025,000 | $27,000,000 | $0 | $0 |
| Not Provided | 44 | $13,552,000 | $308,000 | $708,000 | $162,000 | $1,080,000 |
| Hispanic | 29 | $7,683,000 | $264,000 | $920,000 | $81,000 | $222,000 |
| Asian | 13 | $4,568,000 | $351,000 | $1,629,000 | $163,000 | $447,000 |
| Black or African American | 10 | $2,052,000 | $205,000 | $352,000 | $88,000 | $300,000 |
| American Indian or Alaskan Native | 6 | $818,000 | $136,000 | $229,000 | $68,000 | $144,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $322,000 | $161,000 | $316,000 | $51,000 | $61,000 |
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) | 1,032 | $371,577,000 | $360,000 | $27,000,000 | $146,000 | $3,795,000 |
| FHA-insured (Federal Housing Administration) | 165 | $31,755,000 | $192,000 | $324,000 | $60,000 | $187,000 |
| VA-guaranteed (Veterans Administration) | 60 | $16,477,000 | $274,000 | $600,000 | $76,000 | $384,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,597,000 | $177,000 | $285,000 | $57,000 | $83,000 |
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 | 1,065 | $368,746,000 | $346,000 | $27,000,000 | $128,000 | $3,795,000 |
| Application Denied By Financial Institution | 81 | $21,064,000 | $260,000 | $840,000 | $135,000 | $1,443,000 |
| Application Approved But Not Accepted | 67 | $16,576,000 | $247,000 | $975,000 | $165,000 | $1,925,000 |
| Application Withdrawn By Applicant | 52 | $14,860,000 | $285,000 | $690,000 | $136,000 | $780,000 |
| Loan Purchased By The Institution | 1 | $160,000 | $160,000 | $160,000 | $44,000 | $44,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 36 | $10,884,000 | $302,000 | $840,000 | $135,000 | $488,000 |
| Credit History | 16 | $3,972,000 | $248,000 | $536,000 | $119,000 | $489,000 |
| Debt-To-Income Ratio | 16 | $3,498,000 | $218,000 | $474,000 | $96,000 | $387,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,210,000 | $242,000 | $384,000 | $348,000 | $1,443,000 |
| Other | 3 | $576,000 | $192,000 | $417,000 | $197,000 | $344,000 |
| Unverifiable Information | 2 | $396,000 | $198,000 | $241,000 | $43,000 | $53,000 |
| Employment History | 2 | $395,000 | $197,000 | $272,000 | $58,000 | $63,000 |
| Credit Application Incomplete | 1 | $133,000 | $133,000 | $133,000 | $52,000 | $52,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First International Bank & Trust's 2016 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About