First International Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, First International Bank & Trust of Minot, ND reported 2,807 mortgage applications totaling $1.2 billion, up 15% from 2020. The average application was for $419,139, and applicants reported an average income of $148,087. 82% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Fargo, ND-MN (622), Sioux Falls, SD (431) and Bismarck, ND (339) (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 | 2,807 |
| Total Mortgage Loan Application Amount | $1,176,525,000 |
| Average Mortgage Loan Application Amount | $419,139 |
| Highest Mortgage Loan Application Amount | $68,625,000 |
| Average Applicant Income | $148,087 |
| Highest Applicant Income | $4,826,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 514 | $ 187,470,000 | $ 364,727 | $ 130,000 |
| Minnehaha, South Dakota | 284 | $ 68,030,000 | $ 239,542 | $ 82,000 |
| Burleigh, North Dakota | 272 | $ 90,680,000 | $ 333,382 | $ 128,000 |
| Maricopa, Arizona | 250 | $ 222,410,000 | $ 889,640 | $ 363,000 |
| Ward, North Dakota | 215 | $ 56,735,000 | $ 263,883 | $ 113,000 |
| Lincoln, South Dakota | 131 | $ 37,225,000 | $ 284,160 | $ 102,000 |
| Clay, Minnesota | 108 | $ 25,240,000 | $ 233,703 | $ 99,000 |
| Williams, North Dakota | 94 | $ 27,640,000 | $ 294,042 | $ 118,000 |
| Grand Forks, North Dakota | 79 | $ 18,495,000 | $ 234,113 | $ 111,000 |
| Morton, North Dakota | 63 | $ 17,665,000 | $ 280,396 | $ 122,000 |
| McKenzie, North Dakota | 57 | $ 15,675,000 | $ 275,000 | $ 160,000 |
| Becker, Minnesota | 40 | $ 18,020,000 | $ 450,500 | $ 302,000 |
| Pinal, Arizona | 39 | $ 23,975,000 | $ 614,743 | $ 187,000 |
| Otter Tail, Minnesota | 32 | $ 13,060,000 | $ 408,125 | $ 219,000 |
| Traill, North Dakota | 22 | $ 5,360,000 | $ 243,636 | $ 112,000 |
| Rock, Minnesota | 21 | $ 3,145,000 | $ 149,761 | $ 65,000 |
| Wells, North Dakota | 21 | $ 3,635,000 | $ 173,095 | $ 119,000 |
| Pierce, North Dakota | 19 | $ 2,745,000 | $ 144,473 | $ 102,000 |
| Grant, North Dakota | 18 | $ 1,540,000 | $ 85,555 | $ 55,000 |
| Richland, North Dakota | 17 | $ 4,085,000 | $ 240,294 | $ 98,000 |
| Polk, Minnesota | 15 | $ 3,375,000 | $ 225,000 | $ 83,000 |
| Todd, Minnesota | 15 | $ 1,765,000 | $ 117,666 | $ 66,000 |
| Hennepin, Minnesota | 14 | $ 5,560,000 | $ 397,142 | $ 197,000 |
| Yankton, South Dakota | 14 | $ 2,860,000 | $ 204,285 | $ 87,000 |
| Wadena, Minnesota | 13 | $ 2,355,000 | $ 181,153 | $ 104,000 |
| McLean, North Dakota | 13 | $ 3,245,000 | $ 249,615 | $ 122,000 |
| McHenry, North Dakota | 12 | $ 2,050,000 | $ 170,833 | $ 72,000 |
| Turner, South Dakota | 12 | $ 2,420,000 | $ 201,666 | $ 86,000 |
| Bottineau, North Dakota | 9 | $ 2,005,000 | $ 222,777 | $ 136,000 |
| Dunn, North Dakota | 9 | $ 1,945,000 | $ 216,111 | $ 62,000 |
| Polk, Iowa | 8 | $ 1,740,000 | $ 217,500 | $ 62,000 |
| Sioux, Iowa | 8 | $ 1,580,000 | $ 197,500 | $ 81,000 |
| Crow Wing, Minnesota | 8 | $ 3,640,000 | $ 455,000 | $ 349,000 |
| Murray, Minnesota | 8 | $ 1,730,000 | $ 216,250 | $ 143,000 |
| Stutsman, North Dakota | 8 | $ 1,490,000 | $ 186,250 | $ 113,000 |
| Navajo, Arizona | 7 | $ 2,645,000 | $ 377,857 | $ 254,000 |
| Morrison, Minnesota | 7 | $ 1,575,000 | $ 225,000 | $ 134,000 |
| Mercer, North Dakota | 7 | $ 1,625,000 | $ 232,142 | $ 254,000 |
| Mountrail, North Dakota | 7 | $ 1,655,000 | $ 236,428 | $ 185,000 |
| Brookings, South Dakota | 7 | $ 1,345,000 | $ 192,142 | $ 62,000 |
| Brown, South Dakota | 7 | $ 2,265,000 | $ 323,571 | $ 607,000 |
| Lawrence, South Dakota | 7 | $ 2,245,000 | $ 320,714 | $ 395,000 |
| Pipestone, Minnesota | 6 | $ 630,000 | $ 105,000 | $ 65,000 |
| Davison, South Dakota | 6 | $ 1,060,000 | $ 176,666 | $ 82,000 |
| Pennington, South Dakota | 6 | $ 1,290,000 | $ 215,000 | $ 64,000 |
| Union, South Dakota | 6 | $ 1,080,000 | $ 180,000 | $ 95,000 |
| Pima, Arizona | 5 | $ 14,175,000 | $ 2,835,000 | $ 133,000 |
| Woodbury, Iowa | 5 | $ 1,225,000 | $ 245,000 | $ 59,000 |
| Lake, South Dakota | 5 | $ 1,185,000 | $ 237,000 | $ 131,000 |
| Moody, South Dakota | 5 | $ 925,000 | $ 185,000 | $ 59,000 |
| Lee, Florida | 4 | $ 3,240,000 | $ 810,000 | $ 228,000 |
| Cerro Gordo, Iowa | 4 | $ 510,000 | $ 127,500 | $ 41,000 |
| Dallas, Iowa | 4 | $ 1,290,000 | $ 322,500 | $ 92,000 |
| Des Moines, Iowa | 4 | $ 580,000 | $ 145,000 | $ 53,000 |
| Lyon, Iowa | 4 | $ 770,000 | $ 192,500 | $ 76,000 |
| Scott, Minnesota | 4 | $ 131,730,000 | $ 32,932,500 | $ 63,000 |
| Clark, Nevada | 4 | $ 2,030,000 | $ 507,500 | $ 518,000 |
| Barnes, North Dakota | 4 | $ 990,000 | $ 247,500 | $ 95,000 |
| Oliver, North Dakota | 4 | $ 760,000 | $ 190,000 | $ 64,000 |
| Renville, North Dakota | 4 | $ 790,000 | $ 197,500 | $ 113,000 |
| Hutchinson, South Dakota | 4 | $ 340,000 | $ 85,000 | $ 47,000 |
| McCook, South Dakota | 4 | $ 930,000 | $ 232,500 | $ 95,000 |
| Hillsborough, Florida | 3 | $ 685,000 | $ 228,333 | $ 87,000 |
| Beltrami, Minnesota | 3 | $ 1,275,000 | $ 425,000 | $ 330,000 |
| Douglas, Minnesota | 3 | $ 5,825,000 | $ 1,941,666 | $ 141,000 |
| Hubbard, Minnesota | 3 | $ 815,000 | $ 271,666 | $ 133,000 |
| Ramsey, Minnesota | 3 | $ 725,000 | $ 241,666 | $ 83,000 |
| Roseau, Minnesota | 3 | $ 645,000 | $ 215,000 | $ 199,000 |
| St. Louis, Minnesota | 3 | $ 575,000 | $ 191,666 | $ 191,000 |
| Richland, Montana | 3 | $ 355,000 | $ 118,333 | $ 116,000 |
| Emmons, North Dakota | 3 | $ 285,000 | $ 95,000 | $ 50,000 |
| Pembina, North Dakota | 3 | $ 305,000 | $ 101,666 | $ 67,000 |
| Rolette, North Dakota | 3 | $ 305,000 | $ 101,666 | $ 87,000 |
| Stark, North Dakota | 3 | $ 1,055,000 | $ 351,666 | $ 110,000 |
| Wood, Ohio | 3 | $ 655,000 | $ 218,333 | $ 65,000 |
| Codington, South Dakota | 3 | $ 655,000 | $ 218,333 | $ 85,000 |
| Hughes, South Dakota | 3 | $ 685,000 | $ 228,333 | $ 101,000 |
| Spink, South Dakota | 3 | $ 525,000 | $ 175,000 | $ 72,000 |
| Fremont, Wyoming | 3 | $ 635,000 | $ 211,666 | $ 91,000 |
| Coconino, Arizona | 2 | $ 770,000 | $ 385,000 | $ 260,000 |
| Yavapai, Arizona | 2 | $ 860,000 | $ 430,000 | $ 129,000 |
| Black Hawk, Iowa | 2 | $ 320,000 | $ 160,000 | $ 47,000 |
| Marshall, Iowa | 2 | $ 230,000 | $ 115,000 | $ 50,000 |
| Warren, Iowa | 2 | $ 700,000 | $ 350,000 | $ 117,000 |
| Anoka, Minnesota | 2 | $ 640,000 | $ 320,000 | $ 220,000 |
| Itasca, Minnesota | 2 | $ 470,000 | $ 235,000 | $ 65,000 |
| Mahnomen, Minnesota | 2 | $ 280,000 | $ 140,000 | $ 60,000 |
| Nobles, Minnesota | 2 | $ 390,000 | $ 195,000 | $ 84,000 |
| Norman, Minnesota | 2 | $ 440,000 | $ 220,000 | $ 116,000 |
| Olmsted, Minnesota | 2 | $ 400,000 | $ 200,000 | $ 102,000 |
| Gallatin, Montana | 2 | $ 880,000 | $ 440,000 | $ 1,245,000 |
| Yellowstone, Montana | 2 | $ 780,000 | $ 390,000 | $ 746,000 |
| Divide, North Dakota | 2 | $ 780,000 | $ 390,000 | $ 139,000 |
| Hettinger, North Dakota | 2 | $ 420,000 | $ 210,000 | $ 260,000 |
| LaMoure, North Dakota | 2 | $ 300,000 | $ 150,000 | $ 122,000 |
| Steele, North Dakota | 2 | $ 450,000 | $ 225,000 | $ 133,000 |
| Beadle, South Dakota | 2 | $ 340,000 | $ 170,000 | $ 56,000 |
| Charles Mix, South Dakota | 2 | $ 190,000 | $ 95,000 | $ 58,000 |
| Grant, South Dakota | 2 | $ 100,000 | $ 50,000 | $ 89,000 |
| Summit, Utah | 2 | $ 920,000 | $ 460,000 | $ 0 |
| Newport News, Virginia | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Bayfield, Wisconsin | 2 | $ 360,000 | $ 180,000 | $ 95,000 |
| Natrona, Wyoming | 2 | $ 470,000 | $ 235,000 | $ 96,000 |
| Anchorage, Alaska | 1 | $ 395,000 | $ 395,000 | $ 174,000 |
| Apache, Arizona | 1 | $ 385,000 | $ 385,000 | $ 220,000 |
| Cochise, Arizona | 1 | $ 345,000 | $ 345,000 | $ 139,000 |
| Gila, Arizona | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
| Graham, Arizona | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Yuma, Arizona | 1 | $ 275,000 | $ 275,000 | $ 162,000 |
| Kern, California | 1 | $ 285,000 | $ 285,000 | $ 84,000 |
| Riverside, California | 1 | $ 1,005,000 | $ 1,005,000 | $ 601,000 |
| Solano, California | 1 | $ 365,000 | $ 365,000 | $ 164,000 |
| Adams, Colorado | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Eagle, Colorado | 1 | $ 2,265,000 | $ 2,265,000 | $ 4,826,000 |
| Larimer, Colorado | 1 | $ 35,005,000 | $ 35,005,000 | $ 0 |
| Mesa, Colorado | 1 | $ 305,000 | $ 305,000 | $ 77,000 |
| Kent, Delaware | 1 | $ 265,000 | $ 265,000 | $ 0 |
| New Castle, Delaware | 1 | $ 105,000 | $ 105,000 | $ 96,000 |
| District of Columbia, District Of Columbia | 1 | $ 505,000 | $ 505,000 | $ 174,000 |
| Charlotte, Florida | 1 | $ 245,000 | $ 245,000 | $ 338,000 |
| Duval, Florida | 1 | $ 295,000 | $ 295,000 | $ 47,000 |
| Okaloosa, Florida | 1 | $ 165,000 | $ 165,000 | $ 114,000 |
| Palm Beach, Florida | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Pinellas, Florida | 1 | $ 1,235,000 | $ 1,235,000 | $ 2,691,000 |
| Volusia, Florida | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Cook, Illinois | 1 | $ 475,000 | $ 475,000 | $ 108,000 |
| Henry, Illinois | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Jo Daviess, Illinois | 1 | $ 275,000 | $ 275,000 | $ 83,000 |
| St. Clair, Illinois | 1 | $ 185,000 | $ 185,000 | $ 128,000 |
| Boone, Iowa | 1 | $ 135,000 | $ 135,000 | $ 40,000 |
| Carroll, Iowa | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Cass, Iowa | 1 | $ 95,000 | $ 95,000 | $ 69,000 |
| Dickinson, Iowa | 1 | $ 285,000 | $ 285,000 | $ 203,000 |
| Dubuque, Iowa | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Fayette, Iowa | 1 | $ 265,000 | $ 265,000 | $ 66,000 |
| Howard, Iowa | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Jones, Iowa | 1 | $ 165,000 | $ 165,000 | $ 71,000 |
| Keokuk, Iowa | 1 | $ 205,000 | $ 205,000 | $ 38,000 |
| Mahaska, Iowa | 1 | $ 95,000 | $ 95,000 | $ 9,000 |
| Muscatine, Iowa | 1 | $ 155,000 | $ 155,000 | $ 127,000 |
| O'Brien, Iowa | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Osceola, Iowa | 1 | $ 115,000 | $ 115,000 | $ 56,000 |
| Palo Alto, Iowa | 1 | $ 85,000 | $ 85,000 | $ 18,000 |
| Plymouth, Iowa | 1 | $ 235,000 | $ 235,000 | $ 44,000 |
| Pottawattamie, Iowa | 1 | $ 275,000 | $ 275,000 | $ 138,000 |
| Scott, Iowa | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Story, Iowa | 1 | $ 265,000 | $ 265,000 | $ 89,000 |
| Tama, Iowa | 1 | $ 215,000 | $ 215,000 | $ 30,000 |
| Anne Arundel, Maryland | 1 | $ 545,000 | $ 545,000 | $ 110,000 |
| Worcester, Maryland | 1 | $ 305,000 | $ 305,000 | $ 105,000 |
| Benton, Minnesota | 1 | $ 215,000 | $ 215,000 | $ 78,000 |
| Brown, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Carver, Minnesota | 1 | $ 255,000 | $ 255,000 | $ 202,000 |
| Cass, Minnesota | 1 | $ 305,000 | $ 305,000 | $ 124,000 |
| Clearwater, Minnesota | 1 | $ 205,000 | $ 205,000 | $ 125,000 |
| Cottonwood, Minnesota | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Dodge, Minnesota | 1 | $ 275,000 | $ 275,000 | $ 99,000 |
| Lac qui Parle, Minnesota | 1 | $ 165,000 | $ 165,000 | $ 73,000 |
| Mille Lacs, Minnesota | 1 | $ 305,000 | $ 305,000 | $ 112,000 |
| Pennington, Minnesota | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Stearns, Minnesota | 1 | $ 325,000 | $ 325,000 | $ 140,000 |
| Washington, Minnesota | 1 | $ 16,705,000 | $ 16,705,000 | $ 0 |
| Wright, Minnesota | 1 | $ 8,105,000 | $ 8,105,000 | $ 0 |
| Coahoma, Mississippi | 1 | $ 275,000 | $ 275,000 | $ 48,000 |
| Montgomery, Mississippi | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Pike, Mississippi | 1 | $ 265,000 | $ 265,000 | $ 48,000 |
| Barry, Missouri | 1 | $ 285,000 | $ 285,000 | $ 104,000 |
| Clay, Missouri | 1 | $ 295,000 | $ 295,000 | $ 96,000 |
| Cascade, Montana | 1 | $ 215,000 | $ 215,000 | $ 66,000 |
| Missoula, Montana | 1 | $ 265,000 | $ 265,000 | $ 392,000 |
| Ravalli, Montana | 1 | $ 395,000 | $ 395,000 | $ 155,000 |
| Sheridan, Montana | 1 | $ 325,000 | $ 325,000 | $ 139,000 |
| Douglas, Nebraska | 1 | $ 465,000 | $ 465,000 | $ 319,000 |
| Madison, Nebraska | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| Suffolk, New York | 1 | $ 615,000 | $ 615,000 | $ 130,000 |
| Burke, North Dakota | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Dickey, North Dakota | 1 | $ 165,000 | $ 165,000 | $ 43,000 |
| Eddy, North Dakota | 1 | $ 125,000 | $ 125,000 | $ 112,000 |
| Kidder, North Dakota | 1 | $ 195,000 | $ 195,000 | $ 41,000 |
| Nelson, North Dakota | 1 | $ 115,000 | $ 115,000 | $ 115,000 |
| Ramsey, North Dakota | 1 | $ 215,000 | $ 215,000 | $ 79,000 |
| Sheridan, North Dakota | 1 | $ 275,000 | $ 275,000 | $ 73,000 |
| Walsh, North Dakota | 1 | $ 125,000 | $ 125,000 | $ 26,000 |
| Montgomery, Ohio | 1 | $ 295,000 | $ 295,000 | $ 55,000 |
| Cherokee, Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 992,000 |
| Delaware, Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Sequoyah, Oklahoma | 1 | $ 375,000 | $ 375,000 | $ 108,000 |
| Multnomah, Oregon | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Aurora, South Dakota | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Bon Homme, South Dakota | 1 | $ 85,000 | $ 85,000 | $ 46,000 |
| Brule, South Dakota | 1 | $ 195,000 | $ 195,000 | $ 71,000 |
| Clay, South Dakota | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| Deuel, South Dakota | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Douglas, South Dakota | 1 | $ 245,000 | $ 245,000 | $ 102,000 |
| Fall River, South Dakota | 1 | $ 415,000 | $ 415,000 | $ 82,000 |
| Hamlin, South Dakota | 1 | $ 245,000 | $ 245,000 | $ 141,000 |
| Lyman, South Dakota | 1 | $ 355,000 | $ 355,000 | $ 307,000 |
| Meade, South Dakota | 1 | $ 485,000 | $ 485,000 | $ 250,000 |
| Roberts, South Dakota | 1 | $ 115,000 | $ 115,000 | $ 214,000 |
| Shelby, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Travis, Texas | 1 | $ 165,000 | $ 165,000 | $ 146,000 |
| Roanoke City, Virginia | 1 | $ 375,000 | $ 375,000 | $ 452,000 |
| Spotsylvania, Virginia | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Stafford, Virginia | 1 | $ 195,000 | $ 195,000 | $ 230,000 |
| Spokane, Washington | 1 | $ 545,000 | $ 545,000 | $ 3,553,000 |
| La Crosse, Wisconsin | 1 | $ 535,000 | $ 535,000 | $ 674,000 |
| Rusk, Wisconsin | 1 | $ 325,000 | $ 325,000 | $ 79,000 |
| Washakie, Wyoming | 1 | $ 485,000 | $ 485,000 | $ 179,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2021
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 | 1,633 | $780,505,000 | $477,000 | $68,625,000 | $147,000 | $4,826,000 |
| Refinancing | 680 | $229,080,000 | $336,000 | $26,005,000 | $153,000 | $4,826,000 |
| Cash-out Refinancing | 426 | $151,520,000 | $355,000 | $16,705,000 | $127,000 | $1,877,000 |
| Other Purpose | 39 | $10,965,000 | $281,000 | $1,245,000 | $293,000 | $2,691,000 |
| Home Improvement | 29 | $4,455,000 | $153,000 | $1,055,000 | $209,000 | $1,458,000 |
| 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 | 2,196 | $614,580,000 | $279,000 | $3,245,000 | $136,000 | $4,826,000 |
| Not Provided | 318 | $152,130,000 | $478,000 | $8,505,000 | $222,000 | $3,599,000 |
| Not applicable | 123 | $351,755,000 | $2,859,000 | $68,625,000 | $111,000 | $111,000 |
| Hispanic | 53 | $15,225,000 | $287,000 | $795,000 | $114,000 | $600,000 |
| Asian | 48 | $23,220,000 | $483,000 | $5,605,000 | $265,000 | $2,594,000 |
| Black or African American | 46 | $14,340,000 | $311,000 | $1,265,000 | $146,000 | $771,000 |
| American Indian or Alaskan Native | 20 | $4,680,000 | $234,000 | $485,000 | $119,000 | $435,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $595,000 | $198,000 | $515,000 | $118,000 | $153,000 |
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) | 2,315 | $1,055,305,000 | $455,000 | $68,625,000 | $164,000 | $4,826,000 |
| FHA-insured (Federal Housing Administration) | 286 | $62,670,000 | $219,000 | $365,000 | $70,000 | $470,000 |
| VA-guaranteed (Veterans Administration) | 165 | $50,985,000 | $309,000 | $705,000 | $93,000 | $273,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $7,565,000 | $184,000 | $415,000 | $55,000 | $102,000 |
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 | 2,310 | $1,025,500,000 | $443,000 | $68,625,000 | $151,000 | $4,826,000 |
| Application Withdrawn By Applicant | 404 | $128,520,000 | $318,000 | $6,565,000 | $138,000 | $1,877,000 |
| Application Denied By Financial Institution | 82 | $19,900,000 | $242,000 | $775,000 | $120,000 | $625,000 |
| Application Approved But Not Accepted | 11 | $2,605,000 | $236,000 | $615,000 | $142,000 | $320,000 |
| 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 | 2,725 | $1,156,625,000 | $424,000 | $68,625,000 | $149,000 | $4,826,000 |
| Debt-To-Income Ratio | 31 | $7,705,000 | $248,000 | $775,000 | $92,000 | $360,000 |
| Credit History | 23 | $4,855,000 | $211,000 | $505,000 | $98,000 | $166,000 |
| Collateral | 18 | $3,960,000 | $220,000 | $705,000 | $129,000 | $470,000 |
| Employment History | 7 | $2,235,000 | $319,000 | $535,000 | $85,000 | $160,000 |
| Unverifiable Information | 2 | $810,000 | $405,000 | $545,000 | $625,000 | $625,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $335,000 | $335,000 | $335,000 | $529,000 | $529,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First International Bank & Trust's 2021 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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