First International Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, First International Bank & Trust of Minot, ND reported 2,321 mortgage applications totaling $856.0 million, down 17% from 2021. The average application was for $368,817, and applicants reported an average income of $198,352. 82% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Fargo, ND-MN (429), Phoenix-Mesa-Scottsdale, AZ (343) and Sioux Falls, SD (335) (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 | 2,321 |
| Total Mortgage Loan Application Amount | $856,025,000 |
| Average Mortgage Loan Application Amount | $368,817 |
| Highest Mortgage Loan Application Amount | $29,165,000 |
| Average Applicant Income | $198,352 |
| Highest Applicant Income | $4,986,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 359 | $ 105,005,000 | $ 292,493 | $ 197,000 |
| Maricopa, Arizona | 303 | $ 258,215,000 | $ 852,194 | $ 435,000 |
| Minnehaha, South Dakota | 212 | $ 80,380,000 | $ 379,150 | $ 110,000 |
| Burleigh, North Dakota | 204 | $ 58,790,000 | $ 288,186 | $ 186,000 |
| Ward, North Dakota | 180 | $ 39,260,000 | $ 218,111 | $ 127,000 |
| Lincoln, South Dakota | 106 | $ 28,850,000 | $ 272,169 | $ 138,000 |
| Clay, Minnesota | 70 | $ 14,590,000 | $ 208,428 | $ 115,000 |
| Grand Forks, North Dakota | 68 | $ 15,730,000 | $ 231,323 | $ 148,000 |
| Williams, North Dakota | 68 | $ 15,970,000 | $ 234,852 | $ 122,000 |
| Morton, North Dakota | 49 | $ 15,445,000 | $ 315,204 | $ 160,000 |
| McKenzie, North Dakota | 46 | $ 9,980,000 | $ 216,956 | $ 116,000 |
| Pinal, Arizona | 40 | $ 19,420,000 | $ 485,500 | $ 179,000 |
| Yankton, South Dakota | 28 | $ 5,830,000 | $ 208,214 | $ 91,000 |
| Becker, Minnesota | 25 | $ 8,445,000 | $ 337,800 | $ 273,000 |
| Otter Tail, Minnesota | 24 | $ 9,340,000 | $ 389,166 | $ 306,000 |
| Todd, Minnesota | 22 | $ 2,790,000 | $ 126,818 | $ 75,000 |
| Rock, Minnesota | 19 | $ 3,375,000 | $ 177,631 | $ 71,000 |
| Pierce, North Dakota | 19 | $ 2,145,000 | $ 112,894 | $ 109,000 |
| Hennepin, Minnesota | 18 | $ 11,270,000 | $ 626,111 | $ 441,000 |
| McHenry, North Dakota | 17 | $ 2,225,000 | $ 130,882 | $ 104,000 |
| McLean, North Dakota | 16 | $ 3,830,000 | $ 239,375 | $ 180,000 |
| Wells, North Dakota | 15 | $ 1,475,000 | $ 98,333 | $ 133,000 |
| Grant, North Dakota | 12 | $ 1,180,000 | $ 98,333 | $ 66,000 |
| Mountrail, North Dakota | 12 | $ 2,460,000 | $ 205,000 | $ 109,000 |
| Turner, South Dakota | 11 | $ 1,625,000 | $ 147,727 | $ 55,000 |
| Yavapai, Arizona | 9 | $ 2,945,000 | $ 327,222 | $ 181,000 |
| Cass, Minnesota | 9 | $ 1,715,000 | $ 190,555 | $ 72,000 |
| Davison, South Dakota | 9 | $ 1,315,000 | $ 146,111 | $ 93,000 |
| Polk, Minnesota | 8 | $ 2,390,000 | $ 298,750 | $ 112,000 |
| Beadle, South Dakota | 8 | $ 1,100,000 | $ 137,500 | $ 59,000 |
| Dunn, North Dakota | 7 | $ 1,815,000 | $ 259,285 | $ 124,000 |
| Richland, North Dakota | 7 | $ 1,915,000 | $ 273,571 | $ 112,000 |
| Lake, South Dakota | 7 | $ 2,065,000 | $ 295,000 | $ 185,000 |
| Lee, Florida | 6 | $ 7,630,000 | $ 1,271,666 | $ 513,000 |
| Lyon, Iowa | 6 | $ 1,200,000 | $ 200,000 | $ 68,000 |
| Pipestone, Minnesota | 6 | $ 1,390,000 | $ 231,666 | $ 130,000 |
| Traill, North Dakota | 6 | $ 1,600,000 | $ 266,666 | $ 114,000 |
| McCook, South Dakota | 6 | $ 1,240,000 | $ 206,666 | $ 92,000 |
| Navajo, Arizona | 5 | $ 2,325,000 | $ 465,000 | $ 256,000 |
| Pinellas, Florida | 5 | $ 10,285,000 | $ 2,057,000 | $ 849,000 |
| Renville, North Dakota | 5 | $ 755,000 | $ 151,000 | $ 129,000 |
| Stark, North Dakota | 5 | $ 1,215,000 | $ 243,000 | $ 120,000 |
| Brookings, South Dakota | 5 | $ 14,975,000 | $ 2,995,000 | $ 131,000 |
| Hutchinson, South Dakota | 5 | $ 485,000 | $ 97,000 | $ 46,000 |
| Lawrence, South Dakota | 5 | $ 3,515,000 | $ 703,000 | $ 229,000 |
| Pennington, South Dakota | 5 | $ 1,315,000 | $ 263,000 | $ 73,000 |
| Mohave, Arizona | 4 | $ 1,320,000 | $ 330,000 | $ 514,000 |
| Dakota, Minnesota | 4 | $ 740,000 | $ 185,000 | $ 88,000 |
| Morrison, Minnesota | 4 | $ 1,090,000 | $ 272,500 | $ 293,000 |
| Wadena, Minnesota | 4 | $ 490,000 | $ 122,500 | $ 127,000 |
| Billings, North Dakota | 4 | $ 6,880,000 | $ 1,720,000 | $ 492,000 |
| Bottineau, North Dakota | 4 | $ 910,000 | $ 227,500 | $ 322,000 |
| Mercer, North Dakota | 4 | $ 380,000 | $ 95,000 | $ 80,000 |
| Ramsey, North Dakota | 4 | $ 890,000 | $ 222,500 | $ 133,000 |
| Stutsman, North Dakota | 4 | $ 760,000 | $ 190,000 | $ 107,000 |
| Bon Homme, South Dakota | 4 | $ 450,000 | $ 112,500 | $ 41,000 |
| Union, South Dakota | 4 | $ 630,000 | $ 157,500 | $ 97,000 |
| Coconino, Arizona | 3 | $ 1,455,000 | $ 485,000 | $ 152,000 |
| Pima, Arizona | 3 | $ 1,985,000 | $ 661,666 | $ 782,000 |
| Volusia, Florida | 3 | $ 735,000 | $ 245,000 | $ 122,000 |
| Sedgwick, Kansas | 3 | $ 675,000 | $ 225,000 | $ 55,000 |
| Crow Wing, Minnesota | 3 | $ 715,000 | $ 238,333 | $ 302,000 |
| Ramsey, Minnesota | 3 | $ 895,000 | $ 298,333 | $ 160,000 |
| Stearns, Minnesota | 3 | $ 745,000 | $ 248,333 | $ 960,000 |
| Wright, Minnesota | 3 | $ 985,000 | $ 328,333 | $ 238,000 |
| Richland, Montana | 3 | $ 615,000 | $ 205,000 | $ 92,000 |
| Barnes, North Dakota | 3 | $ 865,000 | $ 288,333 | $ 105,000 |
| LaMoure, North Dakota | 3 | $ 105,000 | $ 35,000 | $ 90,000 |
| Brown, South Dakota | 3 | $ 345,000 | $ 115,000 | $ 72,000 |
| Clay, South Dakota | 3 | $ 885,000 | $ 295,000 | $ 81,000 |
| Codington, South Dakota | 3 | $ 725,000 | $ 241,666 | $ 81,000 |
| Spokane, Washington | 3 | $ 2,365,000 | $ 788,333 | $ 1,898,000 |
| Lonoke, Arkansas | 2 | $ 510,000 | $ 255,000 | $ 107,000 |
| Black Hawk, Iowa | 2 | $ 230,000 | $ 115,000 | $ 59,000 |
| Des Moines, Iowa | 2 | $ 250,000 | $ 125,000 | $ 57,000 |
| Linn, Iowa | 2 | $ 280,000 | $ 140,000 | $ 102,000 |
| Polk, Iowa | 2 | $ 430,000 | $ 215,000 | $ 47,000 |
| Sioux, Iowa | 2 | $ 250,000 | $ 125,000 | $ 125,000 |
| Beltrami, Minnesota | 2 | $ 420,000 | $ 210,000 | $ 218,000 |
| Carver, Minnesota | 2 | $ 750,000 | $ 375,000 | $ 210,000 |
| Kandiyohi, Minnesota | 2 | $ 420,000 | $ 210,000 | $ 53,000 |
| Lac qui Parle, Minnesota | 2 | $ 300,000 | $ 150,000 | $ 103,000 |
| Mahnomen, Minnesota | 2 | $ 260,000 | $ 130,000 | $ 139,000 |
| Murray, Minnesota | 2 | $ 620,000 | $ 310,000 | $ 203,000 |
| Nobles, Minnesota | 2 | $ 570,000 | $ 285,000 | $ 80,000 |
| Olmsted, Minnesota | 2 | $ 830,000 | $ 415,000 | $ 289,000 |
| Scott, Minnesota | 2 | $ 830,000 | $ 415,000 | $ 87,000 |
| Gallatin, Montana | 2 | $ 740,000 | $ 370,000 | $ 340,000 |
| Adams, North Dakota | 2 | $ 430,000 | $ 215,000 | $ 104,000 |
| Divide, North Dakota | 2 | $ 680,000 | $ 340,000 | $ 92,000 |
| Foster, North Dakota | 2 | $ 260,000 | $ 130,000 | $ 107,000 |
| Hettinger, North Dakota | 2 | $ 190,000 | $ 95,000 | $ 72,000 |
| Ransom, North Dakota | 2 | $ 360,000 | $ 180,000 | $ 91,000 |
| Brule, South Dakota | 2 | $ 580,000 | $ 290,000 | $ 96,000 |
| Campbell, South Dakota | 2 | $ 210,000 | $ 105,000 | $ 228,000 |
| Hamlin, South Dakota | 2 | $ 2,730,000 | $ 1,365,000 | $ 693,000 |
| Lyman, South Dakota | 2 | $ 360,000 | $ 180,000 | $ 58,000 |
| Meade, South Dakota | 2 | $ 580,000 | $ 290,000 | $ 142,000 |
| Roberts, South Dakota | 2 | $ 250,000 | $ 125,000 | $ 67,000 |
| Davidson, Tennessee | 2 | $ 570,000 | $ 285,000 | $ 165,000 |
| Parker, Texas | 2 | $ 1,040,000 | $ 520,000 | $ 125,000 |
| Cochise, Arizona | 1 | $ 85,000 | $ 85,000 | $ 89,000 |
| Saline, Arkansas | 1 | $ 565,000 | $ 565,000 | $ 148,000 |
| Riverside, California | 1 | $ 945,000 | $ 945,000 | $ 0 |
| Douglas, Colorado | 1 | $ 445,000 | $ 445,000 | $ 136,000 |
| Eagle, Colorado | 1 | $ 1,685,000 | $ 1,685,000 | $ 3,862,000 |
| Grand, Colorado | 1 | $ 1,365,000 | $ 1,365,000 | $ 0 |
| Larimer, Colorado | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Charlotte, Florida | 1 | $ 395,000 | $ 395,000 | $ 570,000 |
| Collier, Florida | 1 | $ 1,855,000 | $ 1,855,000 | $ 862,000 |
| Polk, Florida | 1 | $ 425,000 | $ 425,000 | $ 479,000 |
| Sarasota, Florida | 1 | $ 395,000 | $ 395,000 | $ 201,000 |
| Forsyth, Georgia | 1 | $ 475,000 | $ 475,000 | $ 168,000 |
| Cook, Illinois | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Kane, Illinois | 1 | $ 555,000 | $ 555,000 | $ 191,000 |
| McHenry, Illinois | 1 | $ 135,000 | $ 135,000 | $ 81,000 |
| Hardin, Iowa | 1 | $ 245,000 | $ 245,000 | $ 52,000 |
| Jackson, Iowa | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Jones, Iowa | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| Mahaska, Iowa | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Plymouth, Iowa | 1 | $ 145,000 | $ 145,000 | $ 37,000 |
| Pottawattamie, Iowa | 1 | $ 135,000 | $ 135,000 | $ 40,000 |
| Union, Iowa | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| Harper, Kansas | 1 | $ 275,000 | $ 275,000 | $ 104,000 |
| Johnson, Kansas | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Emmet, Michigan | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| Anoka, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 182,000 |
| Benton, Minnesota | 1 | $ 375,000 | $ 375,000 | $ 199,000 |
| Brown, Minnesota | 1 | $ 55,000 | $ 55,000 | $ 77,000 |
| Douglas, Minnesota | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Faribault, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Hubbard, Minnesota | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Isanti, Minnesota | 1 | $ 135,000 | $ 135,000 | $ 220,000 |
| Kittson, Minnesota | 1 | $ 165,000 | $ 165,000 | $ 39,000 |
| Lyon, Minnesota | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Mower, Minnesota | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Norman, Minnesota | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Pennington, Minnesota | 1 | $ 325,000 | $ 325,000 | $ 107,000 |
| Redwood, Minnesota | 1 | $ 165,000 | $ 165,000 | $ 85,000 |
| Roseau, Minnesota | 1 | $ 215,000 | $ 215,000 | $ 74,000 |
| Steele, Minnesota | 1 | $ 145,000 | $ 145,000 | $ 151,000 |
| Swift, Minnesota | 1 | $ 275,000 | $ 275,000 | $ 89,000 |
| Jackson, Missouri | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Cascade, Montana | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Flathead, Montana | 1 | $ 2,005,000 | $ 2,005,000 | $ 1,285,000 |
| Petroleum, Montana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Roosevelt, Montana | 1 | $ 165,000 | $ 165,000 | $ 132,000 |
| Yellowstone, Montana | 1 | $ 365,000 | $ 365,000 | $ 145,000 |
| Cedar, Nebraska | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| Dakota, Nebraska | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Douglas, Nebraska | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Knox, Nebraska | 1 | $ 185,000 | $ 185,000 | $ 79,000 |
| Sarpy, Nebraska | 1 | $ 315,000 | $ 315,000 | $ 100,000 |
| Clark, Nevada | 1 | $ 175,000 | $ 175,000 | $ 349,000 |
| Kings, New York | 1 | $ 1,025,000 | $ 1,025,000 | $ 285,000 |
| Benson, North Dakota | 1 | $ 185,000 | $ 185,000 | $ 73,000 |
| Burke, North Dakota | 1 | $ 305,000 | $ 305,000 | $ 87,000 |
| Dickey, North Dakota | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Eddy, North Dakota | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Golden Valley, North Dakota | 1 | $ 475,000 | $ 475,000 | $ 562,000 |
| Kidder, North Dakota | 1 | $ 255,000 | $ 255,000 | $ 240,000 |
| Logan, North Dakota | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| Nelson, North Dakota | 1 | $ 25,000 | $ 25,000 | $ 106,000 |
| Sheridan, North Dakota | 1 | $ 35,000 | $ 35,000 | $ 87,000 |
| Sioux, North Dakota | 1 | $ 485,000 | $ 485,000 | $ 151,000 |
| Walsh, North Dakota | 1 | $ 155,000 | $ 155,000 | $ 201,000 |
| Warren, Ohio | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Wood, Ohio | 1 | $ 275,000 | $ 275,000 | $ 97,000 |
| Bryan, Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Rogers, Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
| Lackawanna, Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 54,000 |
| Dorchester, South Carolina | 1 | $ 375,000 | $ 375,000 | $ 178,000 |
| Spartanburg, South Carolina | 1 | $ 215,000 | $ 215,000 | $ 126,000 |
| Aurora, South Dakota | 1 | $ 75,000 | $ 75,000 | $ 79,000 |
| Charles Mix, South Dakota | 1 | $ 155,000 | $ 155,000 | $ 109,000 |
| Corson, South Dakota | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Custer, South Dakota | 1 | $ 375,000 | $ 375,000 | $ 292,000 |
| Day, South Dakota | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Faulk, South Dakota | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Hand, South Dakota | 1 | $ 165,000 | $ 165,000 | $ 136,000 |
| Harding, South Dakota | 1 | $ 35,000 | $ 35,000 | $ 13,000 |
| Hughes, South Dakota | 1 | $ 205,000 | $ 205,000 | $ 64,000 |
| Kingsbury, South Dakota | 1 | $ 355,000 | $ 355,000 | $ 117,000 |
| Moody, South Dakota | 1 | $ 165,000 | $ 165,000 | $ 37,000 |
| Walworth, South Dakota | 1 | $ 25,000 | $ 25,000 | $ 88,000 |
| Hamilton, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Maury, Tennessee | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Washington, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| Cameron, Texas | 1 | $ 105,000 | $ 105,000 | $ 149,000 |
| Collin, Texas | 1 | $ 645,000 | $ 645,000 | $ 369,000 |
| Hill, Texas | 1 | $ 65,000 | $ 65,000 | $ 86,000 |
| Wasatch, Utah | 1 | $ 1,635,000 | $ 1,635,000 | $ 531,000 |
| Washington, Utah | 1 | $ 835,000 | $ 835,000 | $ 1,645,000 |
| Botetourt, Virginia | 1 | $ 375,000 | $ 375,000 | $ 268,000 |
| Greene, Virginia | 1 | $ 395,000 | $ 395,000 | $ 95,000 |
| Grant, Washington | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Dane, Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 67,000 |
| Polk, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 191,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2022
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 | 1,434 | $639,260,000 | $445,000 | $29,165,000 | $197,000 | $4,693,000 |
| Home Improvement | 301 | $44,525,000 | $147,000 | $1,385,000 | $202,000 | $4,986,000 |
| Other Purpose | 218 | $42,650,000 | $195,000 | $8,005,000 | $218,000 | $4,251,000 |
| Refinancing | 184 | $66,350,000 | $360,000 | $7,005,000 | $194,000 | $1,872,000 |
| Cash-out Refinancing | 184 | $63,240,000 | $343,000 | $3,005,000 | $184,000 | $3,661,000 |
| 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 | 1,716 | $543,190,000 | $316,000 | $8,225,000 | $185,000 | $4,986,000 |
| Not Provided | 337 | $168,845,000 | $501,000 | $7,725,000 | $293,000 | $3,661,000 |
| Not applicable | 145 | $113,815,000 | $784,000 | $29,165,000 | $84,000 | $132,000 |
| Hispanic | 54 | $13,120,000 | $242,000 | $625,000 | $130,000 | $571,000 |
| Black or African American | 31 | $6,775,000 | $218,000 | $505,000 | $105,000 | $338,000 |
| Asian | 24 | $6,940,000 | $289,000 | $645,000 | $166,000 | $1,107,000 |
| American Indian or Alaskan Native | 12 | $2,510,000 | $209,000 | $425,000 | $141,000 | $426,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $830,000 | $415,000 | $495,000 | $76,000 | $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) | 2,035 | $783,015,000 | $384,000 | $29,165,000 | $217,000 | $4,986,000 |
| FHA-insured (Federal Housing Administration) | 165 | $37,965,000 | $230,000 | $475,000 | $76,000 | $234,000 |
| VA-guaranteed (Veterans Administration) | 95 | $29,115,000 | $306,000 | $815,000 | $94,000 | $250,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $5,930,000 | $228,000 | $505,000 | $72,000 | $135,000 |
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 | 1,904 | $709,310,000 | $372,000 | $29,165,000 | $200,000 | $4,693,000 |
| Application Withdrawn By Applicant | 256 | $116,330,000 | $454,000 | $8,125,000 | $223,000 | $4,986,000 |
| Application Denied By Financial Institution | 125 | $22,005,000 | $176,000 | $2,405,000 | $122,000 | $3,964,000 |
| Application Approved But Not Accepted | 26 | $7,160,000 | $275,000 | $1,865,000 | $267,000 | $1,749,000 |
| File Closed For Incompleteness | 10 | $1,220,000 | $122,000 | $495,000 | $132,000 | $511,000 |
| 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 | 2,196 | $834,020,000 | $379,000 | $29,165,000 | $203,000 | $4,986,000 |
| Debt-To-Income Ratio | 61 | $9,375,000 | $153,000 | $925,000 | $81,000 | $263,000 |
| Credit History | 37 | $6,315,000 | $170,000 | $1,355,000 | $197,000 | $3,964,000 |
| Collateral | 10 | $1,370,000 | $137,000 | $305,000 | $141,000 | $389,000 |
| Other | 6 | $1,130,000 | $188,000 | $285,000 | $85,000 | $124,000 |
| Employment History | 5 | $585,000 | $117,000 | $245,000 | $54,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $2,705,000 | $901,000 | $2,405,000 | $184,000 | $446,000 |
| Unverifiable Information | 3 | $525,000 | $175,000 | $215,000 | $81,000 | $170,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First International Bank & Trust's 2022 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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