First International Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
First International Bank & Trust 2022 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 | 2,321 |
| Total Mortgage Loan Application Amount | $856,025,000 |
| Average Mortgage Loan Application Amount | $298,000 |
| Highest Mortgage Loan Application Amount | $29,165,000 |
| Average Applicant Income | $199,000 |
| Highest Applicant Income | $4,986,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 359 | $ 105,005,000 | $ 292,000 | $ 197,000 |
| Maricopa County Arizona | 303 | $ 258,215,000 | $ 852,000 | $ 435,000 |
| Minnehaha County South Dakota | 212 | $ 80,380,000 | $ 379,000 | $ 110,000 |
| Burleigh County North Dakota | 204 | $ 58,790,000 | $ 288,000 | $ 186,000 |
| Ward County North Dakota | 180 | $ 39,260,000 | $ 218,000 | $ 127,000 |
| Lincoln County South Dakota | 106 | $ 28,850,000 | $ 272,000 | $ 138,000 |
| Clay County Minnesota | 70 | $ 14,590,000 | $ 208,000 | $ 115,000 |
| Grand Forks County North Dakota | 68 | $ 15,730,000 | $ 231,000 | $ 148,000 |
| Williams County North Dakota | 68 | $ 15,970,000 | $ 234,000 | $ 122,000 |
| Morton County North Dakota | 49 | $ 15,445,000 | $ 315,000 | $ 160,000 |
| McKenzie County North Dakota | 46 | $ 9,980,000 | $ 216,000 | $ 116,000 |
| Pinal County Arizona | 40 | $ 19,420,000 | $ 485,000 | $ 179,000 |
| Yankton County South Dakota | 28 | $ 5,830,000 | $ 208,000 | $ 91,000 |
| Becker County Minnesota | 25 | $ 8,445,000 | $ 337,000 | $ 273,000 |
| Otter Tail County Minnesota | 24 | $ 9,340,000 | $ 389,000 | $ 306,000 |
| Todd County Minnesota | 22 | $ 2,790,000 | $ 126,000 | $ 75,000 |
| Rock County Minnesota | 19 | $ 3,375,000 | $ 177,000 | $ 71,000 |
| Pierce County North Dakota | 19 | $ 2,145,000 | $ 112,000 | $ 109,000 |
| Hennepin County Minnesota | 18 | $ 11,270,000 | $ 626,000 | $ 441,000 |
| McHenry County North Dakota | 17 | $ 2,225,000 | $ 130,000 | $ 104,000 |
| McLean County North Dakota | 16 | $ 3,830,000 | $ 239,000 | $ 180,000 |
| Wells County North Dakota | 15 | $ 1,475,000 | $ 98,000 | $ 133,000 |
| Grant County North Dakota | 12 | $ 1,180,000 | $ 98,000 | $ 66,000 |
| Mountrail County North Dakota | 12 | $ 2,460,000 | $ 205,000 | $ 109,000 |
| Turner County South Dakota | 11 | $ 1,625,000 | $ 147,000 | $ 55,000 |
| Yavapai County Arizona | 9 | $ 2,945,000 | $ 327,000 | $ 181,000 |
| Cass County Minnesota | 9 | $ 1,715,000 | $ 190,000 | $ 72,000 |
| Davison County South Dakota | 9 | $ 1,315,000 | $ 146,000 | $ 93,000 |
| Polk County Minnesota | 8 | $ 2,390,000 | $ 298,000 | $ 112,000 |
| Beadle County South Dakota | 8 | $ 1,100,000 | $ 137,000 | $ 59,000 |
| Dunn County North Dakota | 7 | $ 1,815,000 | $ 259,000 | $ 124,000 |
| Richland County North Dakota | 7 | $ 1,915,000 | $ 273,000 | $ 112,000 |
| Lake County South Dakota | 7 | $ 2,065,000 | $ 295,000 | $ 185,000 |
| Lee County Florida | 6 | $ 7,630,000 | $ 1,271,000 | $ 513,000 |
| Lyon County Iowa | 6 | $ 1,200,000 | $ 200,000 | $ 68,000 |
| Pipestone County Minnesota | 6 | $ 1,390,000 | $ 231,000 | $ 130,000 |
| Traill County North Dakota | 6 | $ 1,600,000 | $ 266,000 | $ 114,000 |
| McCook County South Dakota | 6 | $ 1,240,000 | $ 206,000 | $ 92,000 |
| Navajo County Arizona | 5 | $ 2,325,000 | $ 465,000 | $ 256,000 |
| Pinellas County Florida | 5 | $ 10,285,000 | $ 2,057,000 | $ 849,000 |
| Renville County North Dakota | 5 | $ 755,000 | $ 151,000 | $ 129,000 |
| Stark County North Dakota | 5 | $ 1,215,000 | $ 243,000 | $ 120,000 |
| Brookings County South Dakota | 5 | $ 14,975,000 | $ 2,995,000 | $ 131,000 |
| Hutchinson County South Dakota | 5 | $ 485,000 | $ 97,000 | $ 46,000 |
| Lawrence County South Dakota | 5 | $ 3,515,000 | $ 703,000 | $ 229,000 |
| Pennington County South Dakota | 5 | $ 1,315,000 | $ 263,000 | $ 73,000 |
| Mohave County Arizona | 4 | $ 1,320,000 | $ 330,000 | $ 514,000 |
| Dakota County Minnesota | 4 | $ 740,000 | $ 185,000 | $ 88,000 |
| Morrison County Minnesota | 4 | $ 1,090,000 | $ 272,000 | $ 293,000 |
| Wadena County Minnesota | 4 | $ 490,000 | $ 122,000 | $ 127,000 |
| Billings County North Dakota | 4 | $ 6,880,000 | $ 1,720,000 | $ 492,000 |
| Bottineau County North Dakota | 4 | $ 910,000 | $ 227,000 | $ 322,000 |
| Mercer County North Dakota | 4 | $ 380,000 | $ 95,000 | $ 80,000 |
| Ramsey County North Dakota | 4 | $ 890,000 | $ 222,000 | $ 133,000 |
| Stutsman County North Dakota | 4 | $ 760,000 | $ 190,000 | $ 107,000 |
| Bon Homme County South Dakota | 4 | $ 450,000 | $ 112,000 | $ 41,000 |
| Union County South Dakota | 4 | $ 630,000 | $ 157,000 | $ 97,000 |
| Coconino County Arizona | 3 | $ 1,455,000 | $ 485,000 | $ 152,000 |
| Pima County Arizona | 3 | $ 1,985,000 | $ 661,000 | $ 782,000 |
| Volusia County Florida | 3 | $ 735,000 | $ 245,000 | $ 122,000 |
| Sedgwick County Kansas | 3 | $ 675,000 | $ 225,000 | $ 55,000 |
| Crow Wing County Minnesota | 3 | $ 715,000 | $ 238,000 | $ 302,000 |
| Ramsey County Minnesota | 3 | $ 895,000 | $ 298,000 | $ 160,000 |
| Stearns County Minnesota | 3 | $ 745,000 | $ 248,000 | $ 960,000 |
| Wright County Minnesota | 3 | $ 985,000 | $ 328,000 | $ 238,000 |
| Richland County Montana | 3 | $ 615,000 | $ 205,000 | $ 92,000 |
| Barnes County North Dakota | 3 | $ 865,000 | $ 288,000 | $ 105,000 |
| LaMoure County North Dakota | 3 | $ 105,000 | $ 35,000 | $ 90,000 |
| Brown County South Dakota | 3 | $ 345,000 | $ 115,000 | $ 72,000 |
| Clay County South Dakota | 3 | $ 885,000 | $ 295,000 | $ 81,000 |
| Codington County South Dakota | 3 | $ 725,000 | $ 241,000 | $ 81,000 |
| Spokane County Washington | 3 | $ 2,365,000 | $ 788,000 | $ 1,898,000 |
| Lonoke County Arkansas | 2 | $ 510,000 | $ 255,000 | $ 107,000 |
| Black Hawk County Iowa | 2 | $ 230,000 | $ 115,000 | $ 59,000 |
| Des Moines County Iowa | 2 | $ 250,000 | $ 125,000 | $ 57,000 |
| Linn County Iowa | 2 | $ 280,000 | $ 140,000 | $ 102,000 |
| Polk County Iowa | 2 | $ 430,000 | $ 215,000 | $ 47,000 |
| Sioux County Iowa | 2 | $ 250,000 | $ 125,000 | $ 125,000 |
| Beltrami County Minnesota | 2 | $ 420,000 | $ 210,000 | $ 218,000 |
| Carver County Minnesota | 2 | $ 750,000 | $ 375,000 | $ 210,000 |
| Kandiyohi County Minnesota | 2 | $ 420,000 | $ 210,000 | $ 53,000 |
| Lac qui Parle County Minnesota | 2 | $ 300,000 | $ 150,000 | $ 103,000 |
| Mahnomen County Minnesota | 2 | $ 260,000 | $ 130,000 | $ 139,000 |
| Murray County Minnesota | 2 | $ 620,000 | $ 310,000 | $ 203,000 |
| Nobles County Minnesota | 2 | $ 570,000 | $ 285,000 | $ 80,000 |
| Olmsted County Minnesota | 2 | $ 830,000 | $ 415,000 | $ 289,000 |
| Scott County Minnesota | 2 | $ 830,000 | $ 415,000 | $ 87,000 |
| Gallatin County Montana | 2 | $ 740,000 | $ 370,000 | $ 340,000 |
| Adams County North Dakota | 2 | $ 430,000 | $ 215,000 | $ 104,000 |
| Divide County North Dakota | 2 | $ 680,000 | $ 340,000 | $ 92,000 |
| Foster County North Dakota | 2 | $ 260,000 | $ 130,000 | $ 107,000 |
| Hettinger County North Dakota | 2 | $ 190,000 | $ 95,000 | $ 72,000 |
| Ransom County North Dakota | 2 | $ 360,000 | $ 180,000 | $ 91,000 |
| Brule County South Dakota | 2 | $ 580,000 | $ 290,000 | $ 96,000 |
| Campbell County South Dakota | 2 | $ 210,000 | $ 105,000 | $ 228,000 |
| Hamlin County South Dakota | 2 | $ 2,730,000 | $ 1,365,000 | $ 693,000 |
| Lyman County South Dakota | 2 | $ 360,000 | $ 180,000 | $ 58,000 |
| Meade County South Dakota | 2 | $ 580,000 | $ 290,000 | $ 142,000 |
| Roberts County South Dakota | 2 | $ 250,000 | $ 125,000 | $ 67,000 |
| Davidson County Tennessee | 2 | $ 570,000 | $ 285,000 | $ 165,000 |
| Parker County Texas | 2 | $ 1,040,000 | $ 520,000 | $ 125,000 |
| Cochise County Arizona | 1 | $ 85,000 | $ 85,000 | $ 89,000 |
| Saline County Arkansas | 1 | $ 565,000 | $ 565,000 | $ 148,000 |
| Riverside County California | 1 | $ 945,000 | $ 945,000 | $ 0 |
| Douglas County Colorado | 1 | $ 445,000 | $ 445,000 | $ 136,000 |
| Eagle County Colorado | 1 | $ 1,685,000 | $ 1,685,000 | $ 3,862,000 |
| Grand County Colorado | 1 | $ 1,365,000 | $ 1,365,000 | $ 0 |
| Larimer County Colorado | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Charlotte County Florida | 1 | $ 395,000 | $ 395,000 | $ 570,000 |
| Collier County Florida | 1 | $ 1,855,000 | $ 1,855,000 | $ 862,000 |
| Polk County Florida | 1 | $ 425,000 | $ 425,000 | $ 479,000 |
| Sarasota County Florida | 1 | $ 395,000 | $ 395,000 | $ 201,000 |
| Forsyth County Georgia | 1 | $ 475,000 | $ 475,000 | $ 168,000 |
| Cook County Illinois | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Kane County Illinois | 1 | $ 555,000 | $ 555,000 | $ 191,000 |
| McHenry County Illinois | 1 | $ 135,000 | $ 135,000 | $ 81,000 |
| Hardin County Iowa | 1 | $ 245,000 | $ 245,000 | $ 52,000 |
| Jackson County Iowa | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Jones County Iowa | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| Mahaska County Iowa | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Plymouth County Iowa | 1 | $ 145,000 | $ 145,000 | $ 37,000 |
| Pottawattamie County Iowa | 1 | $ 135,000 | $ 135,000 | $ 40,000 |
| Union County Iowa | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| Harper County Kansas | 1 | $ 275,000 | $ 275,000 | $ 104,000 |
| Johnson County Kansas | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Emmet County Michigan | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| Anoka County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 182,000 |
| Benton County Minnesota | 1 | $ 375,000 | $ 375,000 | $ 199,000 |
| Brown County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 77,000 |
| Douglas County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Faribault County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Hubbard County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Isanti County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 220,000 |
| Kittson County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 39,000 |
| Lyon County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Mower County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Norman County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Pennington County Minnesota | 1 | $ 325,000 | $ 325,000 | $ 107,000 |
| Redwood County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 85,000 |
| Roseau County Minnesota | 1 | $ 215,000 | $ 215,000 | $ 74,000 |
| Steele County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 151,000 |
| Swift County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 89,000 |
| Jackson County Missouri | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Cascade County Montana | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Flathead County Montana | 1 | $ 2,005,000 | $ 2,005,000 | $ 1,285,000 |
| Petroleum County Montana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Roosevelt County Montana | 1 | $ 165,000 | $ 165,000 | $ 132,000 |
| Yellowstone County Montana | 1 | $ 365,000 | $ 365,000 | $ 145,000 |
| Cedar County Nebraska | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| Dakota County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Douglas County Nebraska | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Knox County Nebraska | 1 | $ 185,000 | $ 185,000 | $ 79,000 |
| Sarpy County Nebraska | 1 | $ 315,000 | $ 315,000 | $ 100,000 |
| Clark County Nevada | 1 | $ 175,000 | $ 175,000 | $ 349,000 |
| Kings County New York | 1 | $ 1,025,000 | $ 1,025,000 | $ 285,000 |
| Benson County North Dakota | 1 | $ 185,000 | $ 185,000 | $ 73,000 |
| Burke County North Dakota | 1 | $ 305,000 | $ 305,000 | $ 87,000 |
| Dickey County North Dakota | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Eddy County North Dakota | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Golden Valley County North Dakota | 1 | $ 475,000 | $ 475,000 | $ 562,000 |
| Kidder County North Dakota | 1 | $ 255,000 | $ 255,000 | $ 240,000 |
| Logan County North Dakota | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| Nelson County North Dakota | 1 | $ 25,000 | $ 25,000 | $ 106,000 |
| Sheridan County North Dakota | 1 | $ 35,000 | $ 35,000 | $ 87,000 |
| Sioux County North Dakota | 1 | $ 485,000 | $ 485,000 | $ 151,000 |
| Walsh County North Dakota | 1 | $ 155,000 | $ 155,000 | $ 201,000 |
| Warren County Ohio | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Wood County Ohio | 1 | $ 275,000 | $ 275,000 | $ 97,000 |
| Bryan County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Rogers County Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
| Lackawanna County Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 54,000 |
| Dorchester County South Carolina | 1 | $ 375,000 | $ 375,000 | $ 178,000 |
| Spartanburg County South Carolina | 1 | $ 215,000 | $ 215,000 | $ 126,000 |
| Aurora County South Dakota | 1 | $ 75,000 | $ 75,000 | $ 79,000 |
| Charles Mix County South Dakota | 1 | $ 155,000 | $ 155,000 | $ 109,000 |
| Corson County South Dakota | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Custer County South Dakota | 1 | $ 375,000 | $ 375,000 | $ 292,000 |
| Day County South Dakota | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Faulk County South Dakota | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Hand County South Dakota | 1 | $ 165,000 | $ 165,000 | $ 136,000 |
| Harding County South Dakota | 1 | $ 35,000 | $ 35,000 | $ 13,000 |
| Hughes County South Dakota | 1 | $ 205,000 | $ 205,000 | $ 64,000 |
| Kingsbury County South Dakota | 1 | $ 355,000 | $ 355,000 | $ 117,000 |
| Moody County South Dakota | 1 | $ 165,000 | $ 165,000 | $ 37,000 |
| Walworth County South Dakota | 1 | $ 25,000 | $ 25,000 | $ 88,000 |
| Hamilton County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Maury County Tennessee | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Washington County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| Cameron County Texas | 1 | $ 105,000 | $ 105,000 | $ 149,000 |
| Collin County Texas | 1 | $ 645,000 | $ 645,000 | $ 369,000 |
| Hill County Texas | 1 | $ 65,000 | $ 65,000 | $ 86,000 |
| Wasatch County Utah | 1 | $ 1,635,000 | $ 1,635,000 | $ 531,000 |
| Washington County Utah | 1 | $ 835,000 | $ 835,000 | $ 1,645,000 |
| Botetourt County Virginia | 1 | $ 375,000 | $ 375,000 | $ 268,000 |
| Greene County Virginia | 1 | $ 395,000 | $ 395,000 | $ 95,000 |
| Grant County Washington | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Dane County Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 67,000 |
| Polk County 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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with aggregated HMDA statistics today.