First International Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, First International Bank & Trust of Minot, ND reported 1,540 mortgage applications totaling $563.4 million, up 29% from 2018. The average application was for $365,818, and applicants reported an average income of $143,980. 84% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Fargo, ND-MN (401), Phoenix-Mesa-Scottsdale, AZ (301) and Bismarck, ND (175) (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 | 1,540 |
| Total Mortgage Loan Application Amount | $563,360,000 |
| Average Mortgage Loan Application Amount | $365,818 |
| Highest Mortgage Loan Application Amount | $32,005,000 |
| Average Applicant Income | $143,980 |
| Highest Applicant Income | $8,000,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 327 | $ 79,565,000 | $ 243,318 | $ 123,000 |
| Maricopa, Arizona | 266 | $ 196,500,000 | $ 738,721 | $ 215,000 |
| Burleigh, North Dakota | 136 | $ 36,240,000 | $ 266,470 | $ 151,000 |
| Ward, North Dakota | 121 | $ 26,655,000 | $ 220,289 | $ 111,000 |
| McKenzie, North Dakota | 90 | $ 41,270,000 | $ 458,555 | $ 126,000 |
| Williams, North Dakota | 86 | $ 50,570,000 | $ 588,023 | $ 124,000 |
| Clay, Minnesota | 74 | $ 16,870,000 | $ 227,972 | $ 83,000 |
| Morton, North Dakota | 37 | $ 8,595,000 | $ 232,297 | $ 92,000 |
| Grand Forks, North Dakota | 36 | $ 8,630,000 | $ 239,722 | $ 125,000 |
| Pinal, Arizona | 35 | $ 10,645,000 | $ 304,142 | $ 98,000 |
| Otter Tail, Minnesota | 27 | $ 12,425,000 | $ 460,185 | $ 290,000 |
| Becker, Minnesota | 22 | $ 6,410,000 | $ 291,363 | $ 129,000 |
| Wadena, Minnesota | 15 | $ 1,555,000 | $ 103,666 | $ 76,000 |
| Todd, Minnesota | 13 | $ 875,000 | $ 67,307 | $ 148,000 |
| Cook, Illinois | 11 | $ 2,985,000 | $ 271,363 | $ 125,000 |
| Bottineau, North Dakota | 11 | $ 2,225,000 | $ 202,272 | $ 81,000 |
| Dunn, North Dakota | 10 | $ 2,120,000 | $ 212,000 | $ 108,000 |
| Grant, North Dakota | 10 | $ 1,220,000 | $ 122,000 | $ 78,000 |
| Traill, North Dakota | 10 | $ 1,800,000 | $ 180,000 | $ 96,000 |
| McLean, North Dakota | 9 | $ 1,455,000 | $ 161,666 | $ 108,000 |
| Coconino, Arizona | 8 | $ 3,560,000 | $ 445,000 | $ 308,000 |
| Clark, Nevada | 6 | $ 2,590,000 | $ 431,666 | $ 172,000 |
| Mountrail, North Dakota | 6 | $ 1,620,000 | $ 270,000 | $ 110,000 |
| Richland, North Dakota | 6 | $ 1,270,000 | $ 211,666 | $ 78,000 |
| McHenry, North Dakota | 5 | $ 1,025,000 | $ 205,000 | $ 203,000 |
| Mercer, North Dakota | 5 | $ 785,000 | $ 157,000 | $ 55,000 |
| Stutsman, North Dakota | 5 | $ 1,045,000 | $ 209,000 | $ 102,000 |
| Wells, North Dakota | 5 | $ 305,000 | $ 61,000 | $ 102,000 |
| Gila, Arizona | 4 | $ 1,320,000 | $ 330,000 | $ 166,000 |
| Bay, Florida | 4 | $ 730,000 | $ 182,500 | $ 82,000 |
| Lake, Illinois | 4 | $ 880,000 | $ 220,000 | $ 79,000 |
| Beltrami, Minnesota | 4 | $ 1,790,000 | $ 447,500 | $ 176,000 |
| Polk, Minnesota | 4 | $ 480,000 | $ 120,000 | $ 139,000 |
| Pierce, North Dakota | 4 | $ 570,000 | $ 142,500 | $ 284,000 |
| Stark, North Dakota | 4 | $ 900,000 | $ 225,000 | $ 102,000 |
| Pima, Arizona | 3 | $ 475,000 | $ 158,333 | $ 112,000 |
| DuPage, Illinois | 3 | $ 765,000 | $ 255,000 | $ 115,000 |
| Douglas, Minnesota | 3 | $ 565,000 | $ 188,333 | $ 129,000 |
| Itasca, Minnesota | 3 | $ 575,000 | $ 191,666 | $ 81,000 |
| Morrison, Minnesota | 3 | $ 195,000 | $ 65,000 | $ 37,000 |
| Norman, Minnesota | 3 | $ 605,000 | $ 201,666 | $ 81,000 |
| Richland, Montana | 3 | $ 535,000 | $ 178,333 | $ 84,000 |
| Divide, North Dakota | 3 | $ 985,000 | $ 328,333 | $ 103,000 |
| Kidder, North Dakota | 3 | $ 685,000 | $ 228,333 | $ 269,000 |
| Wood, Ohio | 3 | $ 585,000 | $ 195,000 | $ 64,000 |
| Lincoln, Wyoming | 3 | $ 5,515,000 | $ 1,838,333 | $ 0 |
| Navajo, Arizona | 2 | $ 790,000 | $ 395,000 | $ 292,000 |
| Yavapai, Arizona | 2 | $ 1,070,000 | $ 535,000 | $ 153,000 |
| Pinellas, Florida | 2 | $ 870,000 | $ 435,000 | $ 1,027,000 |
| Kane, Illinois | 2 | $ 550,000 | $ 275,000 | $ 115,000 |
| Carver, Minnesota | 2 | $ 610,000 | $ 305,000 | $ 110,000 |
| Cass, Minnesota | 2 | $ 130,000 | $ 65,000 | $ 37,000 |
| Grant, Minnesota | 2 | $ 720,000 | $ 360,000 | $ 132,000 |
| Hennepin, Minnesota | 2 | $ 270,000 | $ 135,000 | $ 65,000 |
| Stearns, Minnesota | 2 | $ 310,000 | $ 155,000 | $ 95,000 |
| Roosevelt, Montana | 2 | $ 610,000 | $ 305,000 | $ 94,000 |
| Emmons, North Dakota | 2 | $ 150,000 | $ 75,000 | $ 80,000 |
| Oliver, North Dakota | 2 | $ 550,000 | $ 275,000 | $ 133,000 |
| Lawrence, South Dakota | 2 | $ 490,000 | $ 245,000 | $ 142,000 |
| Apache, Arizona | 1 | $ 235,000 | $ 235,000 | $ 203,000 |
| Mohave, Arizona | 1 | $ 345,000 | $ 345,000 | $ 90,000 |
| Nevada, California | 1 | $ 1,435,000 | $ 1,435,000 | $ 185,000 |
| Riverside, California | 1 | $ 285,000 | $ 285,000 | $ 197,000 |
| San Diego, California | 1 | $ 2,145,000 | $ 2,145,000 | $ 600,000 |
| Boulder, Colorado | 1 | $ 165,000 | $ 165,000 | $ 236,000 |
| Denver, Colorado | 1 | $ 495,000 | $ 495,000 | $ 230,000 |
| Larimer, Colorado | 1 | $ 445,000 | $ 445,000 | $ 191,000 |
| Mesa, Colorado | 1 | $ 305,000 | $ 305,000 | $ 168,000 |
| Hillsborough, Florida | 1 | $ 285,000 | $ 285,000 | $ 101,000 |
| Columbia, Georgia | 1 | $ 245,000 | $ 245,000 | $ 71,000 |
| DeKalb, Georgia | 1 | $ 165,000 | $ 165,000 | $ 469,000 |
| Gwinnett, Georgia | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| McHenry, Illinois | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
| Will, Illinois | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Polk, Iowa | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
| Pottawattamie, Iowa | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Wayne, Michigan | 1 | $ 225,000 | $ 225,000 | $ 83,000 |
| Brown, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 92,000 |
| Chisago, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 25,000 |
| Crow Wing, Minnesota | 1 | $ 485,000 | $ 485,000 | $ 120,000 |
| Dakota, Minnesota | 1 | $ 145,000 | $ 145,000 | $ 208,000 |
| Hubbard, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 81,000 |
| Isanti, Minnesota | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Marshall, Minnesota | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Roseau, Minnesota | 1 | $ 215,000 | $ 215,000 | $ 88,000 |
| Swift, Minnesota | 1 | $ 165,000 | $ 165,000 | $ 114,000 |
| Wright, Minnesota | 1 | $ 235,000 | $ 235,000 | $ 79,000 |
| Barry, Missouri | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Crawford, Missouri | 1 | $ 255,000 | $ 255,000 | $ 99,000 |
| St. Charles, Missouri | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Carbon, Montana | 1 | $ 445,000 | $ 445,000 | $ 663,000 |
| Red Willow, Nebraska | 1 | $ 275,000 | $ 275,000 | $ 96,000 |
| Union, North Carolina | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Adams, North Dakota | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Benson, North Dakota | 1 | $ 135,000 | $ 135,000 | $ 710,000 |
| Billings, North Dakota | 1 | $ 365,000 | $ 365,000 | $ 189,000 |
| Logan, North Dakota | 1 | $ 285,000 | $ 285,000 | $ 83,000 |
| Nelson, North Dakota | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Ramsey, North Dakota | 1 | $ 75,000 | $ 75,000 | $ 127,000 |
| Renville, North Dakota | 1 | $ 35,000 | $ 35,000 | $ 75,000 |
| Rolette, North Dakota | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Sheridan, North Dakota | 1 | $ 145,000 | $ 145,000 | $ 114,000 |
| Walsh, North Dakota | 1 | $ 225,000 | $ 225,000 | $ 343,000 |
| Coos, Oregon | 1 | $ 275,000 | $ 275,000 | $ 93,000 |
| Beaufort, South Carolina | 1 | $ 395,000 | $ 395,000 | $ 408,000 |
| Brown, South Dakota | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Lincoln, South Dakota | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Meade, South Dakota | 1 | $ 485,000 | $ 485,000 | $ 250,000 |
| Pennington, South Dakota | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Roberts, South Dakota | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Dallas, Texas | 1 | $ 195,000 | $ 195,000 | $ 118,000 |
| Hays, Texas | 1 | $ 205,000 | $ 205,000 | $ 39,000 |
| Travis, Texas | 1 | $ 295,000 | $ 295,000 | $ 175,000 |
| Pierce, Washington | 1 | $ 275,000 | $ 275,000 | $ 97,000 |
| Skagit, Washington | 1 | $ 375,000 | $ 375,000 | $ 142,000 |
| Brown, Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Chippewa, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 148,000 |
| Racine, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Washington, Wisconsin | 1 | $ 405,000 | $ 405,000 | $ 240,000 |
| Fremont, Wyoming | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2019
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 | 985 | $400,445,000 | $406,000 | $32,005,000 | $146,000 | $8,000,000 |
| Refinancing | 287 | $95,355,000 | $332,000 | $10,805,000 | $134,000 | $900,000 |
| Cash-out Refinancing | 200 | $59,010,000 | $295,000 | $1,505,000 | $142,000 | $689,000 |
| Other Purpose | 38 | $5,670,000 | $149,000 | $575,000 | $149,000 | $1,436,000 |
| Home Improvement | 30 | $2,880,000 | $96,000 | $655,000 | $180,000 | $1,020,000 |
| 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 | 1,295 | $351,875,000 | $271,000 | $3,065,000 | $131,000 | $1,436,000 |
| Not Provided | 93 | $46,045,000 | $495,000 | $2,705,000 | $320,000 | $8,000,000 |
| Not applicable | 83 | $146,995,000 | $1,771,000 | $32,005,000 | $0 | $0 |
| Hispanic | 24 | $6,460,000 | $269,000 | $905,000 | $99,000 | $359,000 |
| Asian | 19 | $4,795,000 | $252,000 | $615,000 | $144,000 | $469,000 |
| Black or African American | 18 | $4,840,000 | $268,000 | $485,000 | $140,000 | $446,000 |
| American Indian or Alaskan Native | 7 | $2,095,000 | $299,000 | $485,000 | $241,000 | $919,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,268 | $496,090,000 | $391,000 | $32,005,000 | $158,000 | $8,000,000 |
| FHA-insured (Federal Housing Administration) | 156 | $34,040,000 | $218,000 | $375,000 | $73,000 | $220,000 |
| VA-guaranteed (Veterans Administration) | 102 | $30,020,000 | $294,000 | $655,000 | $99,000 | $212,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $3,210,000 | $229,000 | $365,000 | $76,000 | $109,000 |
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 | 1,298 | $489,360,000 | $377,000 | $32,005,000 | $145,000 | $8,000,000 |
| Application Withdrawn By Applicant | 171 | $54,105,000 | $316,000 | $2,355,000 | $153,000 | $1,436,000 |
| Application Denied By Financial Institution | 59 | $16,205,000 | $274,000 | $825,000 | $95,000 | $302,000 |
| Application Approved But Not Accepted | 12 | $3,690,000 | $307,000 | $485,000 | $171,000 | $446,000 |
| 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 | 1,481 | $547,155,000 | $369,000 | $32,005,000 | $147,000 | $8,000,000 |
| Collateral | 23 | $6,925,000 | $301,000 | $765,000 | $114,000 | $302,000 |
| Debt-To-Income Ratio | 15 | $3,855,000 | $257,000 | $825,000 | $68,000 | $162,000 |
| Credit History | 8 | $2,190,000 | $273,000 | $525,000 | $89,000 | $134,000 |
| Employment History | 5 | $945,000 | $189,000 | $255,000 | $53,000 | $100,000 |
| Other | 4 | $1,060,000 | $265,000 | $455,000 | $121,000 | $206,000 |
| Unverifiable Information | 2 | $940,000 | $470,000 | $485,000 | $186,000 | $285,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $290,000 | $145,000 | $155,000 | $63,000 | $86,000 |
| Mortgage Insurance Denied | 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 2019 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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