First International Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, First International Bank & Trust of Minot, ND reported 2,440 mortgage applications totaling $774.2 million, up 58% from 2019. The average application was for $317,299, and applicants reported an average income of $144,906. 83% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Fargo, ND-MN (732), Phoenix-Mesa-Scottsdale, AZ (370) and Bismarck, ND (369) (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 | 2,440 |
| Total Mortgage Loan Application Amount | $774,210,000 |
| Average Mortgage Loan Application Amount | $317,299 |
| Highest Mortgage Loan Application Amount | $17,425,000 |
| Average Applicant Income | $144,906 |
| Highest Applicant Income | $2,638,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 588 | $ 180,240,000 | $ 306,530 | $ 123,000 |
| Maricopa, Arizona | 331 | $ 184,975,000 | $ 558,836 | $ 214,000 |
| Burleigh, North Dakota | 290 | $ 77,340,000 | $ 266,689 | $ 126,000 |
| Ward, North Dakota | 226 | $ 51,680,000 | $ 228,672 | $ 117,000 |
| Clay, Minnesota | 144 | $ 32,300,000 | $ 224,305 | $ 106,000 |
| Williams, North Dakota | 104 | $ 32,870,000 | $ 316,057 | $ 117,000 |
| Morton, North Dakota | 77 | $ 18,915,000 | $ 245,649 | $ 148,000 |
| McKenzie, North Dakota | 76 | $ 21,340,000 | $ 280,789 | $ 137,000 |
| Grand Forks, North Dakota | 57 | $ 12,895,000 | $ 226,228 | $ 83,000 |
| Becker, Minnesota | 50 | $ 15,320,000 | $ 306,400 | $ 165,000 |
| Otter Tail, Minnesota | 43 | $ 17,945,000 | $ 417,325 | $ 307,000 |
| Pinal, Arizona | 39 | $ 13,395,000 | $ 343,461 | $ 149,000 |
| McHenry, North Dakota | 21 | $ 4,515,000 | $ 215,000 | $ 96,000 |
| Mountrail, North Dakota | 21 | $ 6,285,000 | $ 299,285 | $ 278,000 |
| Pierce, North Dakota | 18 | $ 2,760,000 | $ 153,333 | $ 124,000 |
| Traill, North Dakota | 17 | $ 3,865,000 | $ 227,352 | $ 102,000 |
| McLean, North Dakota | 16 | $ 3,080,000 | $ 192,500 | $ 207,000 |
| Todd, Minnesota | 15 | $ 2,655,000 | $ 177,000 | $ 76,000 |
| Polk, Minnesota | 14 | $ 3,040,000 | $ 217,142 | $ 102,000 |
| Dunn, North Dakota | 13 | $ 3,865,000 | $ 297,307 | $ 147,000 |
| Wadena, Minnesota | 11 | $ 1,545,000 | $ 140,454 | $ 70,000 |
| Bottineau, North Dakota | 11 | $ 2,835,000 | $ 257,727 | $ 230,000 |
| Grant, North Dakota | 11 | $ 1,635,000 | $ 148,636 | $ 73,000 |
| Richland, North Dakota | 11 | $ 3,425,000 | $ 311,363 | $ 112,000 |
| Wells, North Dakota | 11 | $ 1,605,000 | $ 145,909 | $ 101,000 |
| Morrison, Minnesota | 10 | $ 1,620,000 | $ 162,000 | $ 128,000 |
| Minnehaha, South Dakota | 10 | $ 1,910,000 | $ 191,000 | $ 174,000 |
| Coconino, Arizona | 9 | $ 4,215,000 | $ 468,333 | $ 401,000 |
| Hubbard, Minnesota | 8 | $ 1,970,000 | $ 246,250 | $ 133,000 |
| Hennepin, Minnesota | 7 | $ 2,255,000 | $ 322,142 | $ 134,000 |
| Navajo, Arizona | 6 | $ 4,790,000 | $ 798,333 | $ 294,000 |
| Bay, Florida | 6 | $ 1,390,000 | $ 231,666 | $ 173,000 |
| Barnes, North Dakota | 6 | $ 1,630,000 | $ 271,666 | $ 68,000 |
| Stark, North Dakota | 6 | $ 1,580,000 | $ 263,333 | $ 107,000 |
| Cass, Minnesota | 5 | $ 445,000 | $ 89,000 | $ 49,000 |
| Crow Wing, Minnesota | 5 | $ 1,605,000 | $ 321,000 | $ 97,000 |
| Stutsman, North Dakota | 5 | $ 895,000 | $ 179,000 | $ 105,000 |
| Clark, Nevada | 4 | $ 1,460,000 | $ 365,000 | $ 229,000 |
| Pembina, North Dakota | 4 | $ 340,000 | $ 85,000 | $ 61,000 |
| Yavapai, Arizona | 3 | $ 885,000 | $ 295,000 | $ 61,000 |
| San Diego, California | 3 | $ 1,785,000 | $ 595,000 | $ 478,000 |
| Emmet, Michigan | 3 | $ 905,000 | $ 301,666 | $ 153,000 |
| Dakota, Minnesota | 3 | $ 635,000 | $ 211,666 | $ 82,000 |
| Burke, North Dakota | 3 | $ 695,000 | $ 231,666 | $ 113,000 |
| Hettinger, North Dakota | 3 | $ 745,000 | $ 248,333 | $ 56,000 |
| Mercer, North Dakota | 3 | $ 845,000 | $ 281,666 | $ 104,000 |
| Gila, Arizona | 2 | $ 670,000 | $ 335,000 | $ 145,000 |
| Mohave, Arizona | 2 | $ 720,000 | $ 360,000 | $ 107,000 |
| Pima, Arizona | 2 | $ 490,000 | $ 245,000 | $ 133,000 |
| Fresno, California | 2 | $ 530,000 | $ 265,000 | $ 149,000 |
| Los Angeles, California | 2 | $ 850,000 | $ 425,000 | $ 253,000 |
| Adams, Colorado | 2 | $ 910,000 | $ 455,000 | $ 71,000 |
| Lee, Florida | 2 | $ 950,000 | $ 475,000 | $ 138,000 |
| Polk, Iowa | 2 | $ 610,000 | $ 305,000 | $ 160,000 |
| Douglas, Minnesota | 2 | $ 480,000 | $ 240,000 | $ 127,000 |
| Mahnomen, Minnesota | 2 | $ 250,000 | $ 125,000 | $ 86,000 |
| Norman, Minnesota | 2 | $ 360,000 | $ 180,000 | $ 60,000 |
| Ramsey, Minnesota | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Wilkin, Minnesota | 2 | $ 480,000 | $ 240,000 | $ 89,000 |
| Wright, Minnesota | 2 | $ 350,000 | $ 175,000 | $ 176,000 |
| Flathead, Montana | 2 | $ 530,000 | $ 265,000 | $ 109,000 |
| Gallatin, Montana | 2 | $ 540,000 | $ 270,000 | $ 89,000 |
| Adams, North Dakota | 2 | $ 330,000 | $ 165,000 | $ 185,000 |
| Benson, North Dakota | 2 | $ 210,000 | $ 105,000 | $ 119,000 |
| Emmons, North Dakota | 2 | $ 150,000 | $ 75,000 | $ 64,000 |
| McIntosh, North Dakota | 2 | $ 290,000 | $ 145,000 | $ 75,000 |
| Oliver, North Dakota | 2 | $ 940,000 | $ 470,000 | $ 223,000 |
| Ransom, North Dakota | 2 | $ 380,000 | $ 190,000 | $ 219,000 |
| Renville, North Dakota | 2 | $ 430,000 | $ 215,000 | $ 285,000 |
| Sheridan, North Dakota | 2 | $ 160,000 | $ 80,000 | $ 67,000 |
| Bexar, Texas | 2 | $ 700,000 | $ 350,000 | $ 174,000 |
| Natrona, Wyoming | 2 | $ 360,000 | $ 180,000 | $ 95,000 |
| Sweetwater, Wyoming | 2 | $ 440,000 | $ 220,000 | $ 108,000 |
| Orange, California | 1 | $ 155,000 | $ 155,000 | $ 109,000 |
| El Paso, Colorado | 1 | $ 265,000 | $ 265,000 | $ 202,000 |
| Larimer, Colorado | 1 | $ 445,000 | $ 445,000 | $ 174,000 |
| Weld, Colorado | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| District of Columbia, District Of Columbia | 1 | $ 685,000 | $ 685,000 | $ 1,450,000 |
| Flagler, Florida | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Hillsborough, Florida | 1 | $ 385,000 | $ 385,000 | $ 105,000 |
| Okaloosa, Florida | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Palm Beach, Florida | 1 | $ 14,005,000 | $ 14,005,000 | $ 0 |
| Pinellas, Florida | 1 | $ 505,000 | $ 505,000 | $ 1,521,000 |
| Sarasota, Florida | 1 | $ 145,000 | $ 145,000 | $ 99,000 |
| Volusia, Florida | 1 | $ 255,000 | $ 255,000 | $ 99,000 |
| DeKalb, Georgia | 1 | $ 515,000 | $ 515,000 | $ 521,000 |
| Crawford, Michigan | 1 | $ 125,000 | $ 125,000 | $ 105,000 |
| Oakland, Michigan | 1 | $ 355,000 | $ 355,000 | $ 207,000 |
| Benton, Minnesota | 1 | $ 185,000 | $ 185,000 | $ 266,000 |
| Chisago, Minnesota | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Grant, Minnesota | 1 | $ 365,000 | $ 365,000 | $ 150,000 |
| Itasca, Minnesota | 1 | $ 325,000 | $ 325,000 | $ 64,000 |
| Kanabec, Minnesota | 1 | $ 195,000 | $ 195,000 | $ 91,000 |
| Kandiyohi, Minnesota | 1 | $ 115,000 | $ 115,000 | $ 185,000 |
| Koochiching, Minnesota | 1 | $ 385,000 | $ 385,000 | $ 137,000 |
| Murray, Minnesota | 1 | $ 335,000 | $ 335,000 | $ 156,000 |
| Nicollet, Minnesota | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Scott, Minnesota | 1 | $ 225,000 | $ 225,000 | $ 128,000 |
| St. Louis, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Washington, Minnesota | 1 | $ 235,000 | $ 235,000 | $ 106,000 |
| Garfield, Montana | 1 | $ 615,000 | $ 615,000 | $ 148,000 |
| Richland, Montana | 1 | $ 225,000 | $ 225,000 | $ 100,000 |
| Roosevelt, Montana | 1 | $ 115,000 | $ 115,000 | $ 62,000 |
| Douglas, Nebraska | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
| Hall, Nebraska | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
| Saunders, Nebraska | 1 | $ 55,000 | $ 55,000 | $ 87,000 |
| Wayne, Nebraska | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| Carson City, Nevada | 1 | $ 195,000 | $ 195,000 | $ 95,000 |
| Washoe, Nevada | 1 | $ 235,000 | $ 235,000 | $ 99,000 |
| Middlesex, New Jersey | 1 | $ 345,000 | $ 345,000 | $ 288,000 |
| McKinley, New Mexico | 1 | $ 165,000 | $ 165,000 | $ 86,000 |
| Rio Arriba, New Mexico | 1 | $ 135,000 | $ 135,000 | $ 85,000 |
| Cavalier, North Dakota | 1 | $ 235,000 | $ 235,000 | $ 190,000 |
| Divide, North Dakota | 1 | $ 95,000 | $ 95,000 | $ 142,000 |
| Foster, North Dakota | 1 | $ 275,000 | $ 275,000 | $ 373,000 |
| Kidder, North Dakota | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| LaMoure, North Dakota | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Logan, North Dakota | 1 | $ 245,000 | $ 245,000 | $ 70,000 |
| Towner, North Dakota | 1 | $ 215,000 | $ 215,000 | $ 90,000 |
| Greene, Ohio | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Wood, Ohio | 1 | $ 165,000 | $ 165,000 | $ 162,000 |
| Horry, South Carolina | 1 | $ 405,000 | $ 405,000 | $ 161,000 |
| Campbell, South Dakota | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Lincoln, South Dakota | 1 | $ 445,000 | $ 445,000 | $ 318,000 |
| Meade, South Dakota | 1 | $ 385,000 | $ 385,000 | $ 96,000 |
| Davidson, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 131,000 |
| Montgomery, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 367,000 |
| Rockwall, Texas | 1 | $ 285,000 | $ 285,000 | $ 272,000 |
| Spokane, Washington | 1 | $ 245,000 | $ 245,000 | $ 151,000 |
| Dane, Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Fremont, Wyoming | 1 | $ 95,000 | $ 95,000 | $ 71,000 |
| Park, Wyoming | 1 | $ 25,000 | $ 25,000 | $ 107,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2020
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 | 1,054 | $374,250,000 | $355,000 | $17,425,000 | $140,000 | $2,638,000 |
| Refinancing | 934 | $259,190,000 | $277,000 | $4,005,000 | $147,000 | $2,015,000 |
| Cash-out Refinancing | 380 | $126,760,000 | $333,000 | $14,005,000 | $148,000 | $1,500,000 |
| Other Purpose | 45 | $11,435,000 | $254,000 | $1,875,000 | $198,000 | $1,521,000 |
| Home Improvement | 27 | $2,575,000 | $95,000 | $615,000 | $132,000 | $276,000 |
| 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 | 2,086 | $562,890,000 | $269,000 | $3,005,000 | $136,000 | $2,638,000 |
| Not Provided | 177 | $97,385,000 | $550,000 | $14,005,000 | $246,000 | $2,551,000 |
| Not applicable | 82 | $88,200,000 | $1,075,000 | $17,425,000 | $0 | $0 |
| Hispanic | 34 | $9,300,000 | $273,000 | $665,000 | $94,000 | $206,000 |
| Asian | 26 | $7,170,000 | $275,000 | $835,000 | $237,000 | $1,487,000 |
| Black or African American | 16 | $4,330,000 | $270,000 | $515,000 | $184,000 | $540,000 |
| American Indian or Alaskan Native | 16 | $4,070,000 | $254,000 | $625,000 | $94,000 | $303,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $540,000 | $270,000 | $335,000 | $72,000 | $106,000 |
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) | 2,123 | $695,975,000 | $327,000 | $17,425,000 | $154,000 | $2,638,000 |
| FHA-insured (Federal Housing Administration) | 172 | $37,010,000 | $215,000 | $335,000 | $73,000 | $424,000 |
| VA-guaranteed (Veterans Administration) | 118 | $35,810,000 | $303,000 | $605,000 | $94,000 | $184,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $5,415,000 | $200,000 | $375,000 | $66,000 | $130,000 |
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 | 2,023 | $657,805,000 | $325,000 | $17,425,000 | $141,000 | $2,638,000 |
| Application Withdrawn By Applicant | 314 | $89,290,000 | $284,000 | $1,605,000 | $164,000 | $2,015,000 |
| Application Denied By Financial Institution | 85 | $22,765,000 | $267,000 | $665,000 | $144,000 | $1,788,000 |
| Application Approved But Not Accepted | 18 | $4,350,000 | $241,000 | $455,000 | $164,000 | $520,000 |
| 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 | 2,355 | $751,445,000 | $319,000 | $17,425,000 | $145,000 | $2,638,000 |
| Debt-To-Income Ratio | 36 | $9,520,000 | $264,000 | $665,000 | $123,000 | $1,788,000 |
| Collateral | 24 | $6,450,000 | $268,000 | $515,000 | $127,000 | $348,000 |
| Credit History | 10 | $2,750,000 | $275,000 | $665,000 | $106,000 | $231,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,635,000 | $327,000 | $595,000 | $96,000 | $204,000 |
| Employment History | 4 | $740,000 | $185,000 | $295,000 | $39,000 | $53,000 |
| Unverifiable Information | 4 | $1,250,000 | $312,000 | $415,000 | $887,000 | $1,319,000 |
| Other | 2 | $420,000 | $210,000 | $285,000 | $108,000 | $121,000 |
| 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 2020 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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