First International Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, First International Bank & Trust of Minot, ND reported 1,193 mortgage applications totaling $380.6 million, down 2% from 2017. The average application was for $318,989, and applicants reported an average income of $148,906. 87% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Fargo, ND-MN (300), Phoenix-Mesa-Scottsdale, AZ (255) and Bismarck, ND (147) (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 | 1,193 |
| Total Mortgage Loan Application Amount | $380,555,000 |
| Average Mortgage Loan Application Amount | $318,989 |
| Highest Mortgage Loan Application Amount | $12,725,000 |
| Average Applicant Income | $148,906 |
| Highest Applicant Income | $3,000,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 242 | $ 74,240,000 | $ 306,776 | $ 106,000 |
| Maricopa, Arizona | 232 | $ 126,290,000 | $ 544,353 | $ 235,000 |
| Burleigh, North Dakota | 115 | $ 29,355,000 | $ 255,260 | $ 138,000 |
| Ward, North Dakota | 99 | $ 28,615,000 | $ 289,040 | $ 110,000 |
| Williams, North Dakota | 90 | $ 23,610,000 | $ 262,333 | $ 104,000 |
| McKenzie, North Dakota | 75 | $ 17,055,000 | $ 227,400 | $ 106,000 |
| Clay, Minnesota | 58 | $ 12,810,000 | $ 220,862 | $ 97,000 |
| Morton, North Dakota | 32 | $ 6,590,000 | $ 205,937 | $ 79,000 |
| Pinal, Arizona | 23 | $ 5,835,000 | $ 253,695 | $ 118,000 |
| Otter Tail, Minnesota | 20 | $ 11,660,000 | $ 583,000 | $ 561,000 |
| Traill, North Dakota | 16 | $ 2,600,000 | $ 162,500 | $ 81,000 |
| Grand Forks, North Dakota | 15 | $ 3,075,000 | $ 205,000 | $ 117,000 |
| Becker, Minnesota | 13 | $ 6,285,000 | $ 483,461 | $ 333,000 |
| Todd, Minnesota | 10 | $ 1,300,000 | $ 130,000 | $ 198,000 |
| Grant, North Dakota | 8 | $ 990,000 | $ 123,750 | $ 62,000 |
| Navajo, Arizona | 6 | $ 1,160,000 | $ 193,333 | $ 153,000 |
| Bottineau, North Dakota | 6 | $ 1,110,000 | $ 185,000 | $ 144,000 |
| Dunn, North Dakota | 6 | $ 2,020,000 | $ 336,666 | $ 249,000 |
| McHenry, North Dakota | 6 | $ 1,370,000 | $ 228,333 | $ 96,000 |
| Wells, North Dakota | 6 | $ 480,000 | $ 80,000 | $ 79,000 |
| Beltrami, Minnesota | 4 | $ 720,000 | $ 180,000 | $ 291,000 |
| McLean, North Dakota | 4 | $ 640,000 | $ 160,000 | $ 326,000 |
| Mercer, North Dakota | 4 | $ 800,000 | $ 200,000 | $ 126,000 |
| Mountrail, North Dakota | 4 | $ 700,000 | $ 175,000 | $ 149,000 |
| Pierce, North Dakota | 4 | $ 610,000 | $ 152,500 | $ 216,000 |
| Richland, North Dakota | 4 | $ 780,000 | $ 195,000 | $ 104,000 |
| Stark, North Dakota | 4 | $ 1,390,000 | $ 347,500 | $ 130,000 |
| Lincoln, Wyoming | 4 | $ 2,250,000 | $ 562,500 | $ 0 |
| Pima, Arizona | 3 | $ 335,000 | $ 111,666 | $ 92,000 |
| Bay, Florida | 3 | $ 575,000 | $ 191,666 | $ 101,000 |
| Cass, Minnesota | 3 | $ 385,000 | $ 128,333 | $ 82,000 |
| Dakota, Minnesota | 3 | $ 455,000 | $ 151,666 | $ 123,000 |
| Polk, Minnesota | 3 | $ 535,000 | $ 178,333 | $ 68,000 |
| Ramsey, Minnesota | 3 | $ 325,000 | $ 108,333 | $ 247,000 |
| Wadena, Minnesota | 3 | $ 605,000 | $ 201,666 | $ 140,000 |
| Yavapai, Arizona | 2 | $ 110,000 | $ 55,000 | $ 54,000 |
| Orange, California | 2 | $ 850,000 | $ 425,000 | $ 232,000 |
| Marshall, Minnesota | 2 | $ 130,000 | $ 65,000 | $ 43,000 |
| Scott, Minnesota | 2 | $ 430,000 | $ 215,000 | $ 150,000 |
| Richland, Montana | 2 | $ 690,000 | $ 345,000 | $ 330,000 |
| Divide, North Dakota | 2 | $ 1,150,000 | $ 575,000 | $ 294,000 |
| Kidder, North Dakota | 2 | $ 440,000 | $ 220,000 | $ 147,000 |
| McIntosh, North Dakota | 2 | $ 310,000 | $ 155,000 | $ 48,000 |
| Ransom, North Dakota | 2 | $ 390,000 | $ 195,000 | $ 92,000 |
| Sheridan, North Dakota | 2 | $ 180,000 | $ 90,000 | $ 86,000 |
| Wood, Ohio | 2 | $ 290,000 | $ 145,000 | $ 54,000 |
| Gila, Arizona | 1 | $ 365,000 | $ 365,000 | $ 161,000 |
| Kent, Delaware | 1 | $ 265,000 | $ 265,000 | $ 84,000 |
| Collier, Florida | 1 | $ 305,000 | $ 305,000 | $ 134,000 |
| Lee, Florida | 1 | $ 455,000 | $ 455,000 | $ 138,000 |
| Hendricks, Indiana | 1 | $ 135,000 | $ 135,000 | $ 719,000 |
| Grant, Minnesota | 1 | $ 115,000 | $ 115,000 | $ 85,000 |
| Hennepin, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 51,000 |
| Hubbard, Minnesota | 1 | $ 225,000 | $ 225,000 | $ 33,000 |
| Mahnomen, Minnesota | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Mille Lacs, Minnesota | 1 | $ 205,000 | $ 205,000 | $ 112,000 |
| Norman, Minnesota | 1 | $ 15,000 | $ 15,000 | $ 122,000 |
| Buchanan, Missouri | 1 | $ 335,000 | $ 335,000 | $ 75,000 |
| Yellowstone, Montana | 1 | $ 185,000 | $ 185,000 | $ 228,000 |
| Clark, Nevada | 1 | $ 455,000 | $ 455,000 | $ 101,000 |
| Lea, New Mexico | 1 | $ 105,000 | $ 105,000 | $ 25,000 |
| Mecklenburg, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 53,000 |
| Benson, North Dakota | 1 | $ 95,000 | $ 95,000 | $ 75,000 |
| Emmons, North Dakota | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Hettinger, North Dakota | 1 | $ 55,000 | $ 55,000 | $ 75,000 |
| LaMoure, North Dakota | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| Logan, North Dakota | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Nelson, North Dakota | 1 | $ 125,000 | $ 125,000 | $ 135,000 |
| Ramsey, North Dakota | 1 | $ 125,000 | $ 125,000 | $ 117,000 |
| Steele, North Dakota | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| Towner, North Dakota | 1 | $ 45,000 | $ 45,000 | $ 37,000 |
| Walsh, North Dakota | 1 | $ 115,000 | $ 115,000 | $ 74,000 |
| Canadian, Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 83,000 |
| Pottawatomie, Oklahoma | 1 | $ 365,000 | $ 365,000 | $ 373,000 |
| Dauphin, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Codington, South Dakota | 1 | $ 195,000 | $ 195,000 | $ 54,000 |
| Lawrence, South Dakota | 1 | $ 205,000 | $ 205,000 | $ 145,000 |
| Lincoln, South Dakota | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Meade, South Dakota | 1 | $ 315,000 | $ 315,000 | $ 102,000 |
| Tooele, Utah | 1 | $ 365,000 | $ 365,000 | $ 104,000 |
| Jefferson, Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 81,000 |
| St. Croix, Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 66,000 |
| Waukesha, Wisconsin | 1 | $ 455,000 | $ 455,000 | $ 152,000 |
| Fremont, Wyoming | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
| Weston, Wyoming | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2018
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 | 848 | $268,520,000 | $316,000 | $12,725,000 | $137,000 | $2,434,000 |
| Refinancing | 156 | $48,670,000 | $311,000 | $4,735,000 | $166,000 | $1,546,000 |
| Cash-out Refinancing | 137 | $54,995,000 | $401,000 | $5,355,000 | $177,000 | $3,000,000 |
| Other Purpose | 34 | $4,530,000 | $133,000 | $455,000 | $206,000 | $1,511,000 |
| Home Improvement | 18 | $3,840,000 | $213,000 | $925,000 | $240,000 | $1,086,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | $269,025,000 | $272,000 | $5,005,000 | $147,000 | $3,000,000 |
| Not Provided | 76 | $28,100,000 | $369,000 | $2,685,000 | $195,000 | $882,000 |
| Not applicable | 72 | $70,190,000 | $974,000 | $12,725,000 | $0 | $0 |
| Asian | 20 | $4,160,000 | $208,000 | $455,000 | $155,000 | $475,000 |
| Hispanic | 18 | $3,800,000 | $211,000 | $335,000 | $81,000 | $195,000 |
| Black or African American | 12 | $2,630,000 | $219,000 | $325,000 | $109,000 | $350,000 |
| American Indian or Alaskan Native | 3 | $1,505,000 | $501,000 | $925,000 | $169,000 | $237,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $440,000 | $220,000 | $245,000 | $89,000 | $90,000 |
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) | 974 | $331,210,000 | $340,000 | $12,725,000 | $167,000 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 139 | $29,345,000 | $211,000 | $335,000 | $71,000 | $193,000 |
| VA-guaranteed (Veterans Administration) | 63 | $17,325,000 | $275,000 | $565,000 | $82,000 | $198,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $2,675,000 | $157,000 | $365,000 | $62,000 | $86,000 |
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 | 1,042 | $340,910,000 | $327,000 | $12,725,000 | $152,000 | $3,000,000 |
| Application Withdrawn By Applicant | 109 | $29,375,000 | $269,000 | $1,385,000 | $123,000 | $914,000 |
| Application Denied By Financial Institution | 39 | $9,375,000 | $240,000 | $725,000 | $145,000 | $1,698,000 |
| Application Approved But Not Accepted | 3 | $895,000 | $298,000 | $405,000 | $88,000 | $108,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,154 | $371,180,000 | $321,000 | $12,725,000 | $149,000 | $3,000,000 |
| Debt-To-Income Ratio | 17 | $3,925,000 | $230,000 | $725,000 | $63,000 | $128,000 |
| Collateral | 11 | $2,115,000 | $192,000 | $365,000 | $146,000 | $673,000 |
| Credit History | 6 | $1,910,000 | $318,000 | $455,000 | $125,000 | $214,000 |
| Other | 2 | $440,000 | $220,000 | $225,000 | $893,000 | $1,698,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $740,000 | $370,000 | $505,000 | $92,000 | $106,000 |
| Credit Application Incomplete | 1 | $245,000 | $245,000 | $245,000 | $164,000 | $164,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First International Bank & Trust's 2018 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
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