First International Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
First International Bank & Trust 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First International Bank & Trust 1600 S Bdway Watford City, ND 58701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | $262,800 |
| Highest Mortgage Loan Application Amount | $17,425,000 |
| Average Applicant Income | $153,000 |
| Highest Applicant Income | $2,638,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with First International Bank & Trust. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First International Bank & Trust's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down First International Bank & Trust's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First International Bank & Trust serves its applicants.
Each category highlights the total number of mortgage applications processed by First International Bank & Trust, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First International Bank & Trust's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cass County North Dakota | 588 | $ 180,240,000 | $ 306,000 | $ 123,000 |
| Maricopa County Arizona | 331 | $ 184,975,000 | $ 558,000 | $ 214,000 |
| Burleigh County North Dakota | 290 | $ 77,340,000 | $ 266,000 | $ 126,000 |
| Ward County North Dakota | 226 | $ 51,680,000 | $ 228,000 | $ 117,000 |
| Clay County Minnesota | 144 | $ 32,300,000 | $ 224,000 | $ 106,000 |
| Williams County North Dakota | 104 | $ 32,870,000 | $ 316,000 | $ 117,000 |
| Morton County North Dakota | 77 | $ 18,915,000 | $ 245,000 | $ 148,000 |
| McKenzie County North Dakota | 76 | $ 21,340,000 | $ 280,000 | $ 137,000 |
| Grand Forks County North Dakota | 57 | $ 12,895,000 | $ 226,000 | $ 83,000 |
| Becker County Minnesota | 50 | $ 15,320,000 | $ 306,000 | $ 165,000 |
| Otter Tail County Minnesota | 43 | $ 17,945,000 | $ 417,000 | $ 307,000 |
| Pinal County Arizona | 39 | $ 13,395,000 | $ 343,000 | $ 149,000 |
| McHenry County North Dakota | 21 | $ 4,515,000 | $ 215,000 | $ 96,000 |
| Mountrail County North Dakota | 21 | $ 6,285,000 | $ 299,000 | $ 278,000 |
| Pierce County North Dakota | 18 | $ 2,760,000 | $ 153,000 | $ 124,000 |
| Traill County North Dakota | 17 | $ 3,865,000 | $ 227,000 | $ 102,000 |
| McLean County North Dakota | 16 | $ 3,080,000 | $ 192,000 | $ 207,000 |
| Todd County Minnesota | 15 | $ 2,655,000 | $ 177,000 | $ 76,000 |
| Polk County Minnesota | 14 | $ 3,040,000 | $ 217,000 | $ 102,000 |
| Dunn County North Dakota | 13 | $ 3,865,000 | $ 297,000 | $ 147,000 |
| Wadena County Minnesota | 11 | $ 1,545,000 | $ 140,000 | $ 70,000 |
| Bottineau County North Dakota | 11 | $ 2,835,000 | $ 257,000 | $ 230,000 |
| Grant County North Dakota | 11 | $ 1,635,000 | $ 148,000 | $ 73,000 |
| Richland County North Dakota | 11 | $ 3,425,000 | $ 311,000 | $ 112,000 |
| Wells County North Dakota | 11 | $ 1,605,000 | $ 145,000 | $ 101,000 |
| Morrison County Minnesota | 10 | $ 1,620,000 | $ 162,000 | $ 128,000 |
| Minnehaha County South Dakota | 10 | $ 1,910,000 | $ 191,000 | $ 174,000 |
| Coconino County Arizona | 9 | $ 4,215,000 | $ 468,000 | $ 401,000 |
| Hubbard County Minnesota | 8 | $ 1,970,000 | $ 246,000 | $ 133,000 |
| Hennepin County Minnesota | 7 | $ 2,255,000 | $ 322,000 | $ 134,000 |
| Navajo County Arizona | 6 | $ 4,790,000 | $ 798,000 | $ 294,000 |
| Bay County Florida | 6 | $ 1,390,000 | $ 231,000 | $ 173,000 |
| Barnes County North Dakota | 6 | $ 1,630,000 | $ 271,000 | $ 68,000 |
| Stark County North Dakota | 6 | $ 1,580,000 | $ 263,000 | $ 107,000 |
| Cass County Minnesota | 5 | $ 445,000 | $ 89,000 | $ 49,000 |
| Crow Wing County Minnesota | 5 | $ 1,605,000 | $ 321,000 | $ 97,000 |
| Stutsman County North Dakota | 5 | $ 895,000 | $ 179,000 | $ 105,000 |
| Clark County Nevada | 4 | $ 1,460,000 | $ 365,000 | $ 229,000 |
| Pembina County North Dakota | 4 | $ 340,000 | $ 85,000 | $ 61,000 |
| Yavapai County Arizona | 3 | $ 885,000 | $ 295,000 | $ 61,000 |
| San Diego County California | 3 | $ 1,785,000 | $ 595,000 | $ 478,000 |
| Emmet County Michigan | 3 | $ 905,000 | $ 301,000 | $ 153,000 |
| Dakota County Minnesota | 3 | $ 635,000 | $ 211,000 | $ 82,000 |
| Burke County North Dakota | 3 | $ 695,000 | $ 231,000 | $ 113,000 |
| Hettinger County North Dakota | 3 | $ 745,000 | $ 248,000 | $ 56,000 |
| Mercer County North Dakota | 3 | $ 845,000 | $ 281,000 | $ 104,000 |
| Gila County Arizona | 2 | $ 670,000 | $ 335,000 | $ 145,000 |
| Mohave County Arizona | 2 | $ 720,000 | $ 360,000 | $ 107,000 |
| Pima County Arizona | 2 | $ 490,000 | $ 245,000 | $ 133,000 |
| Fresno County California | 2 | $ 530,000 | $ 265,000 | $ 149,000 |
| Los Angeles County California | 2 | $ 850,000 | $ 425,000 | $ 253,000 |
| Adams County Colorado | 2 | $ 910,000 | $ 455,000 | $ 71,000 |
| Lee County Florida | 2 | $ 950,000 | $ 475,000 | $ 138,000 |
| Polk County Iowa | 2 | $ 610,000 | $ 305,000 | $ 160,000 |
| Douglas County Minnesota | 2 | $ 480,000 | $ 240,000 | $ 127,000 |
| Mahnomen County Minnesota | 2 | $ 250,000 | $ 125,000 | $ 86,000 |
| Norman County Minnesota | 2 | $ 360,000 | $ 180,000 | $ 60,000 |
| Ramsey County Minnesota | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Wilkin County Minnesota | 2 | $ 480,000 | $ 240,000 | $ 89,000 |
| Wright County Minnesota | 2 | $ 350,000 | $ 175,000 | $ 176,000 |
| Flathead County Montana | 2 | $ 530,000 | $ 265,000 | $ 109,000 |
| Gallatin County Montana | 2 | $ 540,000 | $ 270,000 | $ 89,000 |
| Adams County North Dakota | 2 | $ 330,000 | $ 165,000 | $ 185,000 |
| Benson County North Dakota | 2 | $ 210,000 | $ 105,000 | $ 119,000 |
| Emmons County North Dakota | 2 | $ 150,000 | $ 75,000 | $ 64,000 |
| McIntosh County North Dakota | 2 | $ 290,000 | $ 145,000 | $ 75,000 |
| Oliver County North Dakota | 2 | $ 940,000 | $ 470,000 | $ 223,000 |
| Ransom County North Dakota | 2 | $ 380,000 | $ 190,000 | $ 219,000 |
| Renville County North Dakota | 2 | $ 430,000 | $ 215,000 | $ 285,000 |
| Sheridan County North Dakota | 2 | $ 160,000 | $ 80,000 | $ 67,000 |
| Bexar County Texas | 2 | $ 700,000 | $ 350,000 | $ 174,000 |
| Natrona County Wyoming | 2 | $ 360,000 | $ 180,000 | $ 95,000 |
| Sweetwater County Wyoming | 2 | $ 440,000 | $ 220,000 | $ 108,000 |
| Orange County California | 1 | $ 155,000 | $ 155,000 | $ 109,000 |
| El Paso County Colorado | 1 | $ 265,000 | $ 265,000 | $ 202,000 |
| Larimer County Colorado | 1 | $ 445,000 | $ 445,000 | $ 174,000 |
| Weld County Colorado | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| District of Columbia County District Of Columbia | 1 | $ 685,000 | $ 685,000 | $ 1,450,000 |
| Flagler County Florida | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 385,000 | $ 385,000 | $ 105,000 |
| Okaloosa County Florida | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Palm Beach County Florida | 1 | $ 14,005,000 | $ 14,005,000 | $ 0 |
| Pinellas County Florida | 1 | $ 505,000 | $ 505,000 | $ 1,521,000 |
| Sarasota County Florida | 1 | $ 145,000 | $ 145,000 | $ 99,000 |
| Volusia County Florida | 1 | $ 255,000 | $ 255,000 | $ 99,000 |
| DeKalb County Georgia | 1 | $ 515,000 | $ 515,000 | $ 521,000 |
| Crawford County Michigan | 1 | $ 125,000 | $ 125,000 | $ 105,000 |
| Oakland County Michigan | 1 | $ 355,000 | $ 355,000 | $ 207,000 |
| Benton County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 266,000 |
| Chisago County Minnesota | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Grant County Minnesota | 1 | $ 365,000 | $ 365,000 | $ 150,000 |
| Itasca County Minnesota | 1 | $ 325,000 | $ 325,000 | $ 64,000 |
| Kanabec County Minnesota | 1 | $ 195,000 | $ 195,000 | $ 91,000 |
| Kandiyohi County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 185,000 |
| Koochiching County Minnesota | 1 | $ 385,000 | $ 385,000 | $ 137,000 |
| Murray County Minnesota | 1 | $ 335,000 | $ 335,000 | $ 156,000 |
| Nicollet County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Scott County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 128,000 |
| St. Louis County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Washington County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 106,000 |
| Garfield County Montana | 1 | $ 615,000 | $ 615,000 | $ 148,000 |
| Richland County Montana | 1 | $ 225,000 | $ 225,000 | $ 100,000 |
| Roosevelt County Montana | 1 | $ 115,000 | $ 115,000 | $ 62,000 |
| Douglas County Nebraska | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
| Hall County Nebraska | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
| Saunders County Nebraska | 1 | $ 55,000 | $ 55,000 | $ 87,000 |
| Wayne County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| Carson City County Nevada | 1 | $ 195,000 | $ 195,000 | $ 95,000 |
| Washoe County Nevada | 1 | $ 235,000 | $ 235,000 | $ 99,000 |
| Middlesex County New Jersey | 1 | $ 345,000 | $ 345,000 | $ 288,000 |
| McKinley County New Mexico | 1 | $ 165,000 | $ 165,000 | $ 86,000 |
| Rio Arriba County New Mexico | 1 | $ 135,000 | $ 135,000 | $ 85,000 |
| Cavalier County North Dakota | 1 | $ 235,000 | $ 235,000 | $ 190,000 |
| Divide County North Dakota | 1 | $ 95,000 | $ 95,000 | $ 142,000 |
| Foster County North Dakota | 1 | $ 275,000 | $ 275,000 | $ 373,000 |
| Kidder County North Dakota | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| LaMoure County North Dakota | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Logan County North Dakota | 1 | $ 245,000 | $ 245,000 | $ 70,000 |
| Towner County North Dakota | 1 | $ 215,000 | $ 215,000 | $ 90,000 |
| Greene County Ohio | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Wood County Ohio | 1 | $ 165,000 | $ 165,000 | $ 162,000 |
| Horry County South Carolina | 1 | $ 405,000 | $ 405,000 | $ 161,000 |
| Campbell County South Dakota | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Lincoln County South Dakota | 1 | $ 445,000 | $ 445,000 | $ 318,000 |
| Meade County South Dakota | 1 | $ 385,000 | $ 385,000 | $ 96,000 |
| Davidson County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 131,000 |
| Montgomery County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 367,000 |
| Rockwall County Texas | 1 | $ 285,000 | $ 285,000 | $ 272,000 |
| Spokane County Washington | 1 | $ 245,000 | $ 245,000 | $ 151,000 |
| Dane County Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Fremont County Wyoming | 1 | $ 95,000 | $ 95,000 | $ 71,000 |
| Park County 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.
For a list of all lenders in North Dakota, download the full spreadsheet
with aggregated HMDA statistics today.