In 2023, First International Bank & Trust of Minot, ND reported 1,589 mortgage applications totaling $498.5 million, down 32% from 2022. The average application was for $313,741, and applicants reported an average income of $209,307. 81% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Fargo, ND-MN (279), Sioux Falls, SD (241) and Phoenix-Mesa-Scottsdale, AZ (194) (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 | 1,589 |
| Total Mortgage Loan Application Amount | $498,535,000 |
| Average Mortgage Loan Application Amount | $313,741 |
| Highest Mortgage Loan Application Amount | $4,625,000 |
| Average Applicant Income | $209,307 |
| Highest Applicant Income | $9,705,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 231 | $ 58,465,000 | $ 253,095 | $ 233,000 |
| Minnehaha, South Dakota | 172 | $ 45,210,000 | $ 262,848 | $ 122,000 |
| Maricopa, Arizona | 167 | $ 124,095,000 | $ 743,083 | $ 372,000 |
| Ward, North Dakota | 145 | $ 28,245,000 | $ 194,793 | $ 159,000 |
| Burleigh, North Dakota | 125 | $ 38,955,000 | $ 311,640 | $ 183,000 |
| Lincoln, South Dakota | 60 | $ 19,670,000 | $ 327,833 | $ 172,000 |
| Grand Forks, North Dakota | 51 | $ 13,575,000 | $ 266,176 | $ 144,000 |
| Williams, North Dakota | 51 | $ 11,195,000 | $ 219,509 | $ 144,000 |
| Clay, Minnesota | 48 | $ 9,510,000 | $ 198,125 | $ 143,000 |
| McKenzie, North Dakota | 36 | $ 9,440,000 | $ 262,222 | $ 175,000 |
| Pinal, Arizona | 27 | $ 11,005,000 | $ 407,592 | $ 190,000 |
| Morton, North Dakota | 26 | $ 5,950,000 | $ 228,846 | $ 103,000 |
| Otter Tail, Minnesota | 24 | $ 7,720,000 | $ 321,666 | $ 512,000 |
| Yankton, South Dakota | 20 | $ 3,030,000 | $ 151,500 | $ 110,000 |
| Becker, Minnesota | 18 | $ 5,620,000 | $ 312,222 | $ 266,000 |
| Wells, North Dakota | 17 | $ 1,275,000 | $ 75,000 | $ 78,000 |
| Hennepin, Minnesota | 14 | $ 10,270,000 | $ 733,571 | $ 764,000 |
| Rock, Minnesota | 14 | $ 2,530,000 | $ 180,714 | $ 73,000 |
| Todd, Minnesota | 14 | $ 2,710,000 | $ 193,571 | $ 113,000 |
| Grant, North Dakota | 10 | $ 1,030,000 | $ 103,000 | $ 83,000 |
| Traill, North Dakota | 10 | $ 2,130,000 | $ 213,000 | $ 127,000 |
| Clay, South Dakota | 10 | $ 1,900,000 | $ 190,000 | $ 114,000 |
| Polk, Minnesota | 9 | $ 1,735,000 | $ 192,777 | $ 82,000 |
| Bottineau, North Dakota | 9 | $ 1,875,000 | $ 208,333 | $ 99,000 |
| McLean, North Dakota | 9 | $ 1,655,000 | $ 183,888 | $ 197,000 |
| Mountrail, North Dakota | 9 | $ 1,635,000 | $ 181,666 | $ 116,000 |
| Crow Wing, Minnesota | 8 | $ 2,930,000 | $ 366,250 | $ 915,000 |
| Dunn, North Dakota | 8 | $ 1,500,000 | $ 187,500 | $ 89,000 |
| Pierce, North Dakota | 8 | $ 700,000 | $ 87,500 | $ 91,000 |
| Wadena, Minnesota | 7 | $ 855,000 | $ 122,142 | $ 139,000 |
| Turner, South Dakota | 7 | $ 695,000 | $ 99,285 | $ 86,000 |
| Yavapai, Arizona | 5 | $ 3,185,000 | $ 637,000 | $ 259,000 |
| Cass, Minnesota | 5 | $ 1,595,000 | $ 319,000 | $ 111,000 |
| McHenry, North Dakota | 5 | $ 625,000 | $ 125,000 | $ 90,000 |
| Mercer, North Dakota | 5 | $ 335,000 | $ 67,000 | $ 107,000 |
| Lawrence, South Dakota | 5 | $ 2,055,000 | $ 411,000 | $ 654,000 |
| Navajo, Arizona | 4 | $ 2,000,000 | $ 500,000 | $ 304,000 |
| Morrison, Minnesota | 4 | $ 430,000 | $ 107,500 | $ 99,000 |
| Stark, North Dakota | 4 | $ 1,110,000 | $ 277,500 | $ 155,000 |
| Brown, South Dakota | 4 | $ 270,000 | $ 67,500 | $ 77,000 |
| Sioux, Iowa | 3 | $ 155,000 | $ 51,666 | $ 97,000 |
| Marshall, Minnesota | 3 | $ 405,000 | $ 135,000 | $ 124,000 |
| Pipestone, Minnesota | 3 | $ 495,000 | $ 165,000 | $ 69,000 |
| Ramsey, Minnesota | 3 | $ 965,000 | $ 321,666 | $ 200,000 |
| Barnes, North Dakota | 3 | $ 655,000 | $ 218,333 | $ 107,000 |
| Burke, North Dakota | 3 | $ 565,000 | $ 188,333 | $ 84,000 |
| Divide, North Dakota | 3 | $ 795,000 | $ 265,000 | $ 90,000 |
| Pembina, North Dakota | 3 | $ 805,000 | $ 268,333 | $ 129,000 |
| Richland, North Dakota | 3 | $ 565,000 | $ 188,333 | $ 152,000 |
| Brookings, South Dakota | 3 | $ 995,000 | $ 331,666 | $ 213,000 |
| Davison, South Dakota | 3 | $ 1,065,000 | $ 355,000 | $ 153,000 |
| Kingsbury, South Dakota | 3 | $ 615,000 | $ 205,000 | $ 100,000 |
| Lake, South Dakota | 3 | $ 615,000 | $ 205,000 | $ 97,000 |
| Moody, South Dakota | 3 | $ 355,000 | $ 118,333 | $ 95,000 |
| Spink, South Dakota | 3 | $ 475,000 | $ 158,333 | $ 117,000 |
| Sully, South Dakota | 3 | $ 195,000 | $ 65,000 | $ 126,000 |
| Douglas, Colorado | 2 | $ 2,380,000 | $ 1,190,000 | $ 795,000 |
| Larimer, Colorado | 2 | $ 960,000 | $ 480,000 | $ 169,000 |
| Lee, Florida | 2 | $ 520,000 | $ 260,000 | $ 233,000 |
| Cook, Illinois | 2 | $ 1,480,000 | $ 740,000 | $ 150,000 |
| Osceola, Iowa | 2 | $ 360,000 | $ 180,000 | $ 106,000 |
| Johnson, Kansas | 2 | $ 640,000 | $ 320,000 | $ 149,000 |
| Sedgwick, Kansas | 2 | $ 700,000 | $ 350,000 | $ 222,000 |
| Carver, Minnesota | 2 | $ 1,060,000 | $ 530,000 | $ 179,000 |
| Hubbard, Minnesota | 2 | $ 990,000 | $ 495,000 | $ 148,000 |
| Kittson, Minnesota | 2 | $ 50,000 | $ 25,000 | $ 112,000 |
| Mahnomen, Minnesota | 2 | $ 310,000 | $ 155,000 | $ 195,000 |
| Norman, Minnesota | 2 | $ 230,000 | $ 115,000 | $ 97,000 |
| Roseau, Minnesota | 2 | $ 780,000 | $ 390,000 | $ 167,000 |
| Cascade, Montana | 2 | $ 210,000 | $ 105,000 | $ 325,000 |
| Park, Montana | 2 | $ 1,810,000 | $ 905,000 | $ 0 |
| Yellowstone, Montana | 2 | $ 450,000 | $ 225,000 | $ 60,000 |
| Washoe, Nevada | 2 | $ 710,000 | $ 355,000 | $ 110,000 |
| Cavalier, North Dakota | 2 | $ 200,000 | $ 100,000 | $ 101,000 |
| Foster, North Dakota | 2 | $ 110,000 | $ 55,000 | $ 187,000 |
| Ramsey, North Dakota | 2 | $ 200,000 | $ 100,000 | $ 844,000 |
| Clark, South Dakota | 2 | $ 240,000 | $ 120,000 | $ 94,000 |
| Codington, South Dakota | 2 | $ 510,000 | $ 255,000 | $ 202,000 |
| Hamlin, South Dakota | 2 | $ 910,000 | $ 455,000 | $ 760,000 |
| McCook, South Dakota | 2 | $ 640,000 | $ 320,000 | $ 245,000 |
| Meade, South Dakota | 2 | $ 360,000 | $ 180,000 | $ 99,000 |
| Union, South Dakota | 2 | $ 380,000 | $ 190,000 | $ 77,000 |
| Walworth, South Dakota | 2 | $ 450,000 | $ 225,000 | $ 81,000 |
| Bexar, Texas | 2 | $ 1,390,000 | $ 695,000 | $ 632,000 |
| Natrona, Wyoming | 2 | $ 1,100,000 | $ 550,000 | $ 306,000 |
| Autauga, Alabama | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Pima, Arizona | 1 | $ 135,000 | $ 135,000 | $ 124,000 |
| Del Norte, California | 1 | $ 695,000 | $ 695,000 | $ 393,000 |
| Adams, Colorado | 1 | $ 615,000 | $ 615,000 | $ 225,000 |
| La Plata, Colorado | 1 | $ 3,505,000 | $ 3,505,000 | $ 9,705,000 |
| Collier, Florida | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Pinellas, Florida | 1 | $ 3,565,000 | $ 3,565,000 | $ 1,574,000 |
| Volusia, Florida | 1 | $ 25,000 | $ 25,000 | $ 140,000 |
| Forsyth, Georgia | 1 | $ 725,000 | $ 725,000 | $ 304,000 |
| Fulton, Georgia | 1 | $ 725,000 | $ 725,000 | $ 330,000 |
| Richmond, Georgia | 1 | $ 205,000 | $ 205,000 | $ 74,000 |
| Ada, Idaho | 1 | $ 335,000 | $ 335,000 | $ 72,000 |
| Fremont, Idaho | 1 | $ 1,105,000 | $ 1,105,000 | $ 500,000 |
| Idaho, Idaho | 1 | $ 335,000 | $ 335,000 | $ 1,169,000 |
| Twin Falls, Idaho | 1 | $ 465,000 | $ 465,000 | $ 205,000 |
| McHenry, Illinois | 1 | $ 25,000 | $ 25,000 | $ 165,000 |
| Clark, Indiana | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Tippecanoe, Indiana | 1 | $ 405,000 | $ 405,000 | $ 264,000 |
| Dallas, Iowa | 1 | $ 495,000 | $ 495,000 | $ 140,000 |
| Dickinson, Iowa | 1 | $ 365,000 | $ 365,000 | $ 274,000 |
| Jefferson, Iowa | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Kossuth, Iowa | 1 | $ 95,000 | $ 95,000 | $ 153,000 |
| Lyon, Iowa | 1 | $ 55,000 | $ 55,000 | $ 542,000 |
| Palo Alto, Iowa | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Polk, Iowa | 1 | $ 125,000 | $ 125,000 | $ 98,000 |
| Bullitt, Kentucky | 1 | $ 285,000 | $ 285,000 | $ 86,000 |
| Ottawa, Michigan | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Anoka, Minnesota | 1 | $ 275,000 | $ 275,000 | $ 152,000 |
| Beltrami, Minnesota | 1 | $ 215,000 | $ 215,000 | $ 262,000 |
| Clearwater, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 49,000 |
| Douglas, Minnesota | 1 | $ 75,000 | $ 75,000 | $ 74,000 |
| Grant, Minnesota | 1 | $ 225,000 | $ 225,000 | $ 79,000 |
| Jackson, Minnesota | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Murray, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Nobles, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Pennington, Minnesota | 1 | $ 225,000 | $ 225,000 | $ 112,000 |
| Pine, Minnesota | 1 | $ 185,000 | $ 185,000 | $ 74,000 |
| Sherburne, Minnesota | 1 | $ 305,000 | $ 305,000 | $ 135,000 |
| St. Louis, Minnesota | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Stevens, Minnesota | 1 | $ 385,000 | $ 385,000 | $ 152,000 |
| Wilkin, Minnesota | 1 | $ 445,000 | $ 445,000 | $ 101,000 |
| Wright, Minnesota | 1 | $ 365,000 | $ 365,000 | $ 69,000 |
| Hancock, Mississippi | 1 | $ 325,000 | $ 325,000 | $ 109,000 |
| Camden, Missouri | 1 | $ 285,000 | $ 285,000 | $ 118,000 |
| Clay, Missouri | 1 | $ 645,000 | $ 645,000 | $ 320,000 |
| Gallatin, Montana | 1 | $ 625,000 | $ 625,000 | $ 227,000 |
| Lincoln, Montana | 1 | $ 565,000 | $ 565,000 | $ 148,000 |
| Cedar, Nebraska | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Sarpy, Nebraska | 1 | $ 255,000 | $ 255,000 | $ 162,000 |
| Clark, Nevada | 1 | $ 1,405,000 | $ 1,405,000 | $ 515,000 |
| Guilford, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 664,000 |
| Emmons, North Dakota | 1 | $ 45,000 | $ 45,000 | $ 181,000 |
| Griggs, North Dakota | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Hettinger, North Dakota | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Nelson, North Dakota | 1 | $ 75,000 | $ 75,000 | $ 132,000 |
| Renville, North Dakota | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Steele, North Dakota | 1 | $ 625,000 | $ 625,000 | $ 154,000 |
| Stutsman, North Dakota | 1 | $ 85,000 | $ 85,000 | $ 307,000 |
| Walsh, North Dakota | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| Allegheny, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 125,000 |
| Horry, South Carolina | 1 | $ 185,000 | $ 185,000 | $ 459,000 |
| Lexington, South Carolina | 1 | $ 235,000 | $ 235,000 | $ 64,000 |
| Beadle, South Dakota | 1 | $ 155,000 | $ 155,000 | $ 105,000 |
| Bon Homme, South Dakota | 1 | $ 25,000 | $ 25,000 | $ 93,000 |
| Brule, South Dakota | 1 | $ 305,000 | $ 305,000 | $ 112,000 |
| Butte, South Dakota | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Douglas, South Dakota | 1 | $ 245,000 | $ 245,000 | $ 49,000 |
| Gregory, South Dakota | 1 | $ 265,000 | $ 265,000 | $ 63,000 |
| Hughes, South Dakota | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Hutchinson, South Dakota | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Marshall, South Dakota | 1 | $ 135,000 | $ 135,000 | $ 129,000 |
| Pennington, South Dakota | 1 | $ 255,000 | $ 255,000 | $ 57,000 |
| Tripp, South Dakota | 1 | $ 175,000 | $ 175,000 | $ 39,000 |
| Washington, Virginia | 1 | $ 485,000 | $ 485,000 | $ 137,000 |
| Bayfield, Wisconsin | 1 | $ 605,000 | $ 605,000 | $ 594,000 |
| Kenosha, Wisconsin | 1 | $ 495,000 | $ 495,000 | $ 117,000 |
| La Crosse, Wisconsin | 1 | $ 355,000 | $ 355,000 | $ 173,000 |
| Albany, Wyoming | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
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 | 1,097 | $402,575,000 | $366,000 | $4,625,000 | $199,000 | $9,705,000 |
| Home Improvement | 201 | $28,935,000 | $143,000 | $2,645,000 | $186,000 | $1,124,000 |
| Other Purpose | 176 | $29,170,000 | $165,000 | $2,385,000 | $300,000 | $6,792,000 |
| Cash-out Refinancing | 83 | $25,125,000 | $302,000 | $1,505,000 | $199,000 | $1,352,000 |
| Refinancing | 32 | $12,730,000 | $397,000 | $2,505,000 | $237,000 | $1,231,000 |
| 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 | 1,272 | $386,800,000 | $304,000 | $4,625,000 | $203,000 | $9,705,000 |
| Not Provided | 140 | $55,580,000 | $397,000 | $2,965,000 | $324,000 | $6,792,000 |
| Not applicable | 57 | $20,355,000 | $357,000 | $2,505,000 | $0 | $0 |
| Hispanic | 49 | $12,575,000 | $256,000 | $725,000 | $117,000 | $280,000 |
| American Indian or Alaskan Native | 26 | $6,180,000 | $237,000 | $705,000 | $178,000 | $1,020,000 |
| Asian | 23 | $11,765,000 | $511,000 | $3,755,000 | $189,000 | $1,002,000 |
| Black or African American | 16 | $3,810,000 | $238,000 | $375,000 | $84,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,150,000 | $287,000 | $325,000 | $92,000 | $109,000 |
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) | 1,325 | $430,605,000 | $324,000 | $4,625,000 | $235,000 | $9,705,000 |
| FHA-insured (Federal Housing Administration) | 179 | $42,805,000 | $239,000 | $505,000 | $91,000 | $612,000 |
| VA-guaranteed (Veterans Administration) | 64 | $21,250,000 | $332,000 | $995,000 | $96,000 | $215,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $3,875,000 | $184,000 | $305,000 | $75,000 | $106,000 |
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 | 1,281 | $413,275,000 | $322,000 | $4,625,000 | $210,000 | $6,792,000 |
| Application Withdrawn By Applicant | 168 | $64,570,000 | $384,000 | $4,515,000 | $271,000 | $9,705,000 |
| Application Denied By Financial Institution | 112 | $14,410,000 | $128,000 | $755,000 | $116,000 | $844,000 |
| File Closed For Incompleteness | 18 | $3,210,000 | $178,000 | $325,000 | $183,000 | $843,000 |
| Application Approved But Not Accepted | 10 | $3,070,000 | $307,000 | $1,365,000 | $244,000 | $612,000 |
| 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 | 1,477 | $484,125,000 | $327,000 | $4,625,000 | $217,000 | $9,705,000 |
| Debt-To-Income Ratio | 52 | $7,810,000 | $150,000 | $755,000 | $99,000 | $254,000 |
| Credit History | 35 | $3,745,000 | $107,000 | $355,000 | $134,000 | $844,000 |
| Collateral | 19 | $2,295,000 | $120,000 | $495,000 | $139,000 | $337,000 |
| Employment History | 3 | $415,000 | $138,000 | $205,000 | $76,000 | $114,000 |
| Other | 2 | $100,000 | $50,000 | $65,000 | $89,000 | $130,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $120,000 | $120,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2023 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.
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