First International Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, First International Bank & Trust of Minot, ND reported 1,220 mortgage applications totaling $347.0 million, down 4% from 2016. The average application was for $284,428, and applicants reported an average income of $131,573. 85% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Fargo, ND-MN (349), Phoenix-Mesa-Scottsdale, AZ (288) and Bismarck, ND (113) (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 | 1,220 |
| Total Mortgage Loan Application Amount | $347,003,000 |
| Average Mortgage Loan Application Amount | $284,428 |
| Highest Mortgage Loan Application Amount | $15,070,000 |
| Average Applicant Income | $131,573 |
| Highest Applicant Income | $14,409,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 290 | $ 74,394,000 | $ 256,531 | $ 98,000 |
| Maricopa, Arizona | 263 | $ 98,755,000 | $ 375,494 | $ 170,000 |
| Ward, North Dakota | 125 | $ 27,212,000 | $ 217,696 | $ 234,000 |
| Burleigh, North Dakota | 98 | $ 22,685,000 | $ 231,479 | $ 79,000 |
| McKenzie, North Dakota | 75 | $ 20,723,000 | $ 276,306 | $ 124,000 |
| Williams, North Dakota | 75 | $ 18,740,000 | $ 249,866 | $ 106,000 |
| Clay, Minnesota | 59 | $ 19,260,000 | $ 326,440 | $ 76,000 |
| Pinal, Arizona | 25 | $ 5,856,000 | $ 234,240 | $ 97,000 |
| Morton, North Dakota | 15 | $ 2,642,000 | $ 176,133 | $ 67,000 |
| Grand Forks, North Dakota | 14 | $ 1,695,000 | $ 121,071 | $ 28,000 |
| Dunn, North Dakota | 13 | $ 3,424,000 | $ 263,384 | $ 204,000 |
| Traill, North Dakota | 9 | $ 1,513,000 | $ 168,111 | $ 94,000 |
| Becker, Minnesota | 8 | $ 2,800,000 | $ 350,000 | $ 429,000 |
| Otter Tail, Minnesota | 8 | $ 3,612,000 | $ 451,500 | $ 220,000 |
| Todd, Minnesota | 8 | $ 1,273,000 | $ 159,125 | $ 133,000 |
| Grant, North Dakota | 8 | $ 1,179,000 | $ 147,375 | $ 75,000 |
| Mountrail, North Dakota | 8 | $ 2,231,000 | $ 278,875 | $ 135,000 |
| Pierce, North Dakota | 8 | $ 1,002,000 | $ 125,250 | $ 70,000 |
| Wells, North Dakota | 7 | $ 565,000 | $ 80,714 | $ 64,000 |
| McLean, North Dakota | 6 | $ 643,000 | $ 107,166 | $ 53,000 |
| Stark, North Dakota | 5 | $ 13,415,000 | $ 2,683,000 | $ 14,000 |
| Wadena, Minnesota | 4 | $ 620,000 | $ 155,000 | $ 97,000 |
| Kidder, North Dakota | 4 | $ 3,614,000 | $ 903,500 | $ 192,000 |
| Stutsman, North Dakota | 4 | $ 1,426,000 | $ 356,500 | $ 141,000 |
| Cass, Minnesota | 3 | $ 524,000 | $ 174,666 | $ 44,000 |
| Morrison, Minnesota | 3 | $ 359,000 | $ 119,666 | $ 162,000 |
| Ransom, North Dakota | 3 | $ 387,000 | $ 129,000 | $ 82,000 |
| Hennepin, Minnesota | 2 | $ 310,000 | $ 155,000 | $ 35,000 |
| Hubbard, Minnesota | 2 | $ 475,000 | $ 237,500 | $ 112,000 |
| Stearns, Minnesota | 2 | $ 172,000 | $ 86,000 | $ 87,000 |
| Bottineau, North Dakota | 2 | $ 414,000 | $ 207,000 | $ 130,000 |
| Hettinger, North Dakota | 2 | $ 282,000 | $ 141,000 | $ 133,000 |
| LaMoure, North Dakota | 2 | $ 135,000 | $ 67,500 | $ 43,000 |
| McHenry, North Dakota | 2 | $ 336,000 | $ 168,000 | $ 19,000 |
| Richland, North Dakota | 2 | $ 589,000 | $ 294,500 | $ 143,000 |
| Sargent, North Dakota | 2 | $ 247,000 | $ 123,500 | $ 53,000 |
| Sheridan, North Dakota | 2 | $ 245,000 | $ 122,500 | $ 57,000 |
| Multnomah, Oregon | 2 | $ 537,000 | $ 268,500 | $ 41,000 |
| Minnehaha, South Dakota | 2 | $ 398,000 | $ 199,000 | $ 79,000 |
| Lincoln, Wyoming | 2 | $ 1,775,000 | $ 887,500 | $ 0 |
| Apache, Arizona | 1 | $ 90,000 | $ 90,000 | $ 53,000 |
| Coconino, Arizona | 1 | $ 333,000 | $ 333,000 | $ 1,051,000 |
| Gila, Arizona | 1 | $ 600,000 | $ 600,000 | $ 840,000 |
| Navajo, Arizona | 1 | $ 108,000 | $ 108,000 | $ 35,000 |
| Yavapai, Arizona | 1 | $ 149,000 | $ 149,000 | $ 42,000 |
| San Diego, California | 1 | $ 762,000 | $ 762,000 | $ 125,000 |
| El Paso, Colorado | 1 | $ 176,000 | $ 176,000 | $ 105,000 |
| Mesa, Colorado | 1 | $ 143,000 | $ 143,000 | $ 73,000 |
| Bay, Florida | 1 | $ 328,000 | $ 328,000 | $ 118,000 |
| Sarasota, Florida | 1 | $ 223,000 | $ 223,000 | $ 147,000 |
| St. Joseph, Indiana | 1 | $ 78,000 | $ 78,000 | $ 39,000 |
| Clinton, Michigan | 1 | $ 235,000 | $ 235,000 | $ 122,000 |
| Blue Earth, Minnesota | 1 | $ 256,000 | $ 256,000 | $ 75,000 |
| Clearwater, Minnesota | 1 | $ 110,000 | $ 110,000 | $ 122,000 |
| Grant, Minnesota | 1 | $ 109,000 | $ 109,000 | $ 84,000 |
| Kandiyohi, Minnesota | 1 | $ 268,000 | $ 268,000 | $ 0 |
| Marshall, Minnesota | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Norman, Minnesota | 1 | $ 108,000 | $ 108,000 | $ 66,000 |
| Olmsted, Minnesota | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Polk, Minnesota | 1 | $ 83,000 | $ 83,000 | $ 64,000 |
| Ramsey, Minnesota | 1 | $ 402,000 | $ 402,000 | $ 374,000 |
| Sibley, Minnesota | 1 | $ 192,000 | $ 192,000 | $ 76,000 |
| Wilkin, Minnesota | 1 | $ 208,000 | $ 208,000 | $ 102,000 |
| Andrew, Missouri | 1 | $ 175,000 | $ 175,000 | $ 142,000 |
| Richland, Montana | 1 | $ 313,000 | $ 313,000 | $ 212,000 |
| Yellowstone, Montana | 1 | $ 249,000 | $ 249,000 | $ 303,000 |
| Douglas, Nebraska | 1 | $ 238,000 | $ 238,000 | $ 88,000 |
| Clark, Nevada | 1 | $ 471,000 | $ 471,000 | $ 851,000 |
| Bowman, North Dakota | 1 | $ 182,000 | $ 182,000 | $ 104,000 |
| Cavalier, North Dakota | 1 | $ 147,000 | $ 147,000 | $ 28,000 |
| Foster, North Dakota | 1 | $ 263,000 | $ 263,000 | $ 50,000 |
| Mercer, North Dakota | 1 | $ 150,000 | $ 150,000 | $ 85,000 |
| Pembina, North Dakota | 1 | $ 114,000 | $ 114,000 | $ 34,000 |
| Rolette, North Dakota | 1 | $ 113,000 | $ 113,000 | $ 103,000 |
| Slope, North Dakota | 1 | $ 810,000 | $ 810,000 | $ 668,000 |
| Steele, North Dakota | 1 | $ 152,000 | $ 152,000 | $ 72,000 |
| Clackamas, Oregon | 1 | $ 450,000 | $ 450,000 | $ 195,000 |
| Lawrence, South Dakota | 1 | $ 123,000 | $ 123,000 | $ 37,000 |
| Lincoln, South Dakota | 1 | $ 423,000 | $ 423,000 | $ 0 |
| DeKalb, Tennessee | 1 | $ 73,000 | $ 73,000 | $ 52,000 |
| Collin, Texas | 1 | $ 275,000 | $ 275,000 | $ 68,000 |
| Dallas, Texas | 1 | $ 336,000 | $ 336,000 | $ 51,000 |
| Lamar, Texas | 1 | $ 153,000 | $ 153,000 | $ 66,000 |
| Tarrant, Texas | 1 | $ 150,000 | $ 150,000 | $ 65,000 |
| Crook, Wyoming | 1 | $ 42,000 | $ 42,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2017
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 | 892 | $268,764,000 | $301,000 | $15,070,000 | $131,000 | $14,409,000 |
| Refinancing | 250 | $67,335,000 | $269,000 | $3,000,000 | $126,000 | $1,090,000 |
| Home Improvement | 78 | $10,904,000 | $139,000 | $1,252,000 | $156,000 | $1,865,000 |
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 | 987 | $239,753,000 | $242,000 | $1,998,000 | $148,000 | $14,409,000 |
| Not applicable | 109 | $75,507,000 | $692,000 | $15,070,000 | $0 | $0 |
| Not Provided | 65 | $19,496,000 | $299,000 | $1,763,000 | $138,000 | $840,000 |
| Hispanic | 26 | $6,097,000 | $234,000 | $474,000 | $97,000 | $192,000 |
| Asian | 13 | $2,254,000 | $173,000 | $350,000 | $107,000 | $195,000 |
| Black or African American | 13 | $2,723,000 | $209,000 | $290,000 | $70,000 | $98,000 |
| American Indian or Alaskan Native | 4 | $449,000 | $112,000 | $247,000 | $70,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $724,000 | $241,000 | $323,000 | $146,000 | $172,000 |
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) | 971 | $292,393,000 | $301,000 | $15,070,000 | $147,000 | $14,409,000 |
| FHA-insured (Federal Housing Administration) | 161 | $34,029,000 | $211,000 | $347,000 | $68,000 | $535,000 |
| VA-guaranteed (Veterans Administration) | 71 | $17,325,000 | $244,000 | $456,000 | $71,000 | $319,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $3,256,000 | $191,000 | $302,000 | $61,000 | $129,000 |
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 | 1,037 | $300,367,000 | $289,000 | $15,070,000 | $129,000 | $14,409,000 |
| Application Approved But Not Accepted | 91 | $21,957,000 | $241,000 | $910,000 | $141,000 | $1,680,000 |
| Application Denied By Financial Institution | 53 | $14,683,000 | $277,000 | $1,348,000 | $103,000 | $847,000 |
| Application Withdrawn By Applicant | 37 | $9,612,000 | $259,000 | $686,000 | $203,000 | $1,397,000 |
| File Closed For Incompleteness | 1 | $175,000 | $175,000 | $175,000 | $142,000 | $142,000 |
| Loan Purchased By The Institution | 1 | $209,000 | $209,000 | $209,000 | $49,000 | $49,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 23 | $7,040,000 | $306,000 | $1,088,000 | $107,000 | $847,000 |
| Collateral | 14 | $4,493,000 | $320,000 | $1,348,000 | $111,000 | $373,000 |
| Credit History | 10 | $1,654,000 | $165,000 | $360,000 | $85,000 | $167,000 |
| Employment History | 3 | $732,000 | $244,000 | $337,000 | $86,000 | $115,000 |
| Other | 2 | $452,000 | $226,000 | $375,000 | $104,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $312,000 | $312,000 | $312,000 | $115,000 | $115,000 |
| 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 2017 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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