First International Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023

First International Bank & Trust 2023 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 1,589
Total Mortgage Loan Application Amount $498,535,000
Average Mortgage Loan Application Amount $274,600
Highest Mortgage Loan Application Amount $4,625,000
Average Applicant Income $224,200
Highest Applicant Income $9,705,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.

Mortgage Loan Application Totals for First International Bank & Trust by County in 2023

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 231 $ 58,465,000 $ 253,000 $ 233,000
Minnehaha County South Dakota 172 $ 45,210,000 $ 262,000 $ 122,000
Maricopa County Arizona 167 $ 124,095,000 $ 743,000 $ 372,000
Ward County North Dakota 145 $ 28,245,000 $ 194,000 $ 159,000
Burleigh County North Dakota 125 $ 38,955,000 $ 311,000 $ 183,000
Lincoln County South Dakota 60 $ 19,670,000 $ 327,000 $ 172,000
Grand Forks County North Dakota 51 $ 13,575,000 $ 266,000 $ 144,000
Williams County North Dakota 51 $ 11,195,000 $ 219,000 $ 144,000
Clay County Minnesota 48 $ 9,510,000 $ 198,000 $ 143,000
McKenzie County North Dakota 36 $ 9,440,000 $ 262,000 $ 175,000
Pinal County Arizona 27 $ 11,005,000 $ 407,000 $ 190,000
Morton County North Dakota 26 $ 5,950,000 $ 228,000 $ 103,000
Otter Tail County Minnesota 24 $ 7,720,000 $ 321,000 $ 512,000
Yankton County South Dakota 20 $ 3,030,000 $ 151,000 $ 110,000
Becker County Minnesota 18 $ 5,620,000 $ 312,000 $ 266,000
Wells County North Dakota 17 $ 1,275,000 $ 75,000 $ 78,000
Hennepin County Minnesota 14 $ 10,270,000 $ 733,000 $ 764,000
Rock County Minnesota 14 $ 2,530,000 $ 180,000 $ 73,000
Todd County Minnesota 14 $ 2,710,000 $ 193,000 $ 113,000
Grant County North Dakota 10 $ 1,030,000 $ 103,000 $ 83,000
Traill County North Dakota 10 $ 2,130,000 $ 213,000 $ 127,000
Clay County South Dakota 10 $ 1,900,000 $ 190,000 $ 114,000
Polk County Minnesota 9 $ 1,735,000 $ 192,000 $ 82,000
Bottineau County North Dakota 9 $ 1,875,000 $ 208,000 $ 99,000
McLean County North Dakota 9 $ 1,655,000 $ 183,000 $ 197,000
Mountrail County North Dakota 9 $ 1,635,000 $ 181,000 $ 116,000
Crow Wing County Minnesota 8 $ 2,930,000 $ 366,000 $ 915,000
Dunn County North Dakota 8 $ 1,500,000 $ 187,000 $ 89,000
Pierce County North Dakota 8 $ 700,000 $ 87,000 $ 91,000
Wadena County Minnesota 7 $ 855,000 $ 122,000 $ 139,000
Turner County South Dakota 7 $ 695,000 $ 99,000 $ 86,000
Yavapai County Arizona 5 $ 3,185,000 $ 637,000 $ 259,000
Cass County Minnesota 5 $ 1,595,000 $ 319,000 $ 111,000
McHenry County North Dakota 5 $ 625,000 $ 125,000 $ 90,000
Mercer County North Dakota 5 $ 335,000 $ 67,000 $ 107,000
Lawrence County South Dakota 5 $ 2,055,000 $ 411,000 $ 654,000
Navajo County Arizona 4 $ 2,000,000 $ 500,000 $ 304,000
Morrison County Minnesota 4 $ 430,000 $ 107,000 $ 99,000
Stark County North Dakota 4 $ 1,110,000 $ 277,000 $ 155,000
Brown County South Dakota 4 $ 270,000 $ 67,000 $ 77,000
Sioux County Iowa 3 $ 155,000 $ 51,000 $ 97,000
Marshall County Minnesota 3 $ 405,000 $ 135,000 $ 124,000
Pipestone County Minnesota 3 $ 495,000 $ 165,000 $ 69,000
Ramsey County Minnesota 3 $ 965,000 $ 321,000 $ 200,000
Barnes County North Dakota 3 $ 655,000 $ 218,000 $ 107,000
Burke County North Dakota 3 $ 565,000 $ 188,000 $ 84,000
Divide County North Dakota 3 $ 795,000 $ 265,000 $ 90,000
Pembina County North Dakota 3 $ 805,000 $ 268,000 $ 129,000
Richland County North Dakota 3 $ 565,000 $ 188,000 $ 152,000
Brookings County South Dakota 3 $ 995,000 $ 331,000 $ 213,000
Davison County South Dakota 3 $ 1,065,000 $ 355,000 $ 153,000
Kingsbury County South Dakota 3 $ 615,000 $ 205,000 $ 100,000
Lake County South Dakota 3 $ 615,000 $ 205,000 $ 97,000
Moody County South Dakota 3 $ 355,000 $ 118,000 $ 95,000
Spink County South Dakota 3 $ 475,000 $ 158,000 $ 117,000
Sully County South Dakota 3 $ 195,000 $ 65,000 $ 126,000
Douglas County Colorado 2 $ 2,380,000 $ 1,190,000 $ 795,000
Larimer County Colorado 2 $ 960,000 $ 480,000 $ 169,000
Lee County Florida 2 $ 520,000 $ 260,000 $ 233,000
Cook County Illinois 2 $ 1,480,000 $ 740,000 $ 150,000
Osceola County Iowa 2 $ 360,000 $ 180,000 $ 106,000
Johnson County Kansas 2 $ 640,000 $ 320,000 $ 149,000
Sedgwick County Kansas 2 $ 700,000 $ 350,000 $ 222,000
Carver County Minnesota 2 $ 1,060,000 $ 530,000 $ 179,000
Hubbard County Minnesota 2 $ 990,000 $ 495,000 $ 148,000
Kittson County Minnesota 2 $ 50,000 $ 25,000 $ 112,000
Mahnomen County Minnesota 2 $ 310,000 $ 155,000 $ 195,000
Norman County Minnesota 2 $ 230,000 $ 115,000 $ 97,000
Roseau County Minnesota 2 $ 780,000 $ 390,000 $ 167,000
Cascade County Montana 2 $ 210,000 $ 105,000 $ 325,000
Park County Montana 2 $ 1,810,000 $ 905,000 $ 0
Yellowstone County Montana 2 $ 450,000 $ 225,000 $ 60,000
Washoe County Nevada 2 $ 710,000 $ 355,000 $ 110,000
Cavalier County North Dakota 2 $ 200,000 $ 100,000 $ 101,000
Foster County North Dakota 2 $ 110,000 $ 55,000 $ 187,000
Ramsey County North Dakota 2 $ 200,000 $ 100,000 $ 844,000
Clark County South Dakota 2 $ 240,000 $ 120,000 $ 94,000
Codington County South Dakota 2 $ 510,000 $ 255,000 $ 202,000
Hamlin County South Dakota 2 $ 910,000 $ 455,000 $ 760,000
McCook County South Dakota 2 $ 640,000 $ 320,000 $ 245,000
Meade County South Dakota 2 $ 360,000 $ 180,000 $ 99,000
Union County South Dakota 2 $ 380,000 $ 190,000 $ 77,000
Walworth County South Dakota 2 $ 450,000 $ 225,000 $ 81,000
Bexar County Texas 2 $ 1,390,000 $ 695,000 $ 632,000
Natrona County Wyoming 2 $ 1,100,000 $ 550,000 $ 306,000
Autauga County Alabama 1 $ 145,000 $ 145,000 $ 42,000
Pima County Arizona 1 $ 135,000 $ 135,000 $ 124,000
Del Norte County California 1 $ 695,000 $ 695,000 $ 393,000
Adams County Colorado 1 $ 615,000 $ 615,000 $ 225,000
La Plata County Colorado 1 $ 3,505,000 $ 3,505,000 $ 9,705,000
Collier County Florida 1 $ 515,000 $ 515,000 $ 0
Pinellas County Florida 1 $ 3,565,000 $ 3,565,000 $ 1,574,000
Volusia County Florida 1 $ 25,000 $ 25,000 $ 140,000
Forsyth County Georgia 1 $ 725,000 $ 725,000 $ 304,000
Fulton County Georgia 1 $ 725,000 $ 725,000 $ 330,000
Richmond County Georgia 1 $ 205,000 $ 205,000 $ 74,000
Ada County Idaho 1 $ 335,000 $ 335,000 $ 72,000
Fremont County Idaho 1 $ 1,105,000 $ 1,105,000 $ 500,000
Idaho County Idaho 1 $ 335,000 $ 335,000 $ 1,169,000
Twin Falls County Idaho 1 $ 465,000 $ 465,000 $ 205,000
McHenry County Illinois 1 $ 25,000 $ 25,000 $ 165,000
Clark County Indiana 1 $ 175,000 $ 175,000 $ 45,000
Tippecanoe County Indiana 1 $ 405,000 $ 405,000 $ 264,000
Dallas County Iowa 1 $ 495,000 $ 495,000 $ 140,000
Dickinson County Iowa 1 $ 365,000 $ 365,000 $ 274,000
Jefferson County Iowa 1 $ 145,000 $ 145,000 $ 0
Kossuth County Iowa 1 $ 95,000 $ 95,000 $ 153,000
Lyon County Iowa 1 $ 55,000 $ 55,000 $ 542,000
Palo Alto County Iowa 1 $ 155,000 $ 155,000 $ 63,000
Polk County Iowa 1 $ 125,000 $ 125,000 $ 98,000
Bullitt County Kentucky 1 $ 285,000 $ 285,000 $ 86,000
Ottawa County Michigan 1 $ 285,000 $ 285,000 $ 0
Anoka County Minnesota 1 $ 275,000 $ 275,000 $ 152,000
Beltrami County Minnesota 1 $ 215,000 $ 215,000 $ 262,000
Clearwater County Minnesota 1 $ 175,000 $ 175,000 $ 49,000
Douglas County Minnesota 1 $ 75,000 $ 75,000 $ 74,000
Grant County Minnesota 1 $ 225,000 $ 225,000 $ 79,000
Jackson County Minnesota 1 $ 165,000 $ 165,000 $ 80,000
Murray County Minnesota 1 $ 105,000 $ 105,000 $ 52,000
Nobles County Minnesota 1 $ 175,000 $ 175,000 $ 42,000
Pennington County Minnesota 1 $ 225,000 $ 225,000 $ 112,000
Pine County Minnesota 1 $ 185,000 $ 185,000 $ 74,000
Sherburne County Minnesota 1 $ 305,000 $ 305,000 $ 135,000
St. Louis County Minnesota 1 $ 475,000 $ 475,000 $ 0
Stevens County Minnesota 1 $ 385,000 $ 385,000 $ 152,000
Wilkin County Minnesota 1 $ 445,000 $ 445,000 $ 101,000
Wright County Minnesota 1 $ 365,000 $ 365,000 $ 69,000
Hancock County Mississippi 1 $ 325,000 $ 325,000 $ 109,000
Camden County Missouri 1 $ 285,000 $ 285,000 $ 118,000
Clay County Missouri 1 $ 645,000 $ 645,000 $ 320,000
Gallatin County Montana 1 $ 625,000 $ 625,000 $ 227,000
Lincoln County Montana 1 $ 565,000 $ 565,000 $ 148,000
Cedar County Nebraska 1 $ 175,000 $ 175,000 $ 53,000
Sarpy County Nebraska 1 $ 255,000 $ 255,000 $ 162,000
Clark County Nevada 1 $ 1,405,000 $ 1,405,000 $ 515,000
Guilford County North Carolina 1 $ 125,000 $ 125,000 $ 664,000
Emmons County North Dakota 1 $ 45,000 $ 45,000 $ 181,000
Griggs County North Dakota 1 $ 145,000 $ 145,000 $ 55,000
Hettinger County North Dakota 1 $ 45,000 $ 45,000 $ 36,000
Nelson County North Dakota 1 $ 75,000 $ 75,000 $ 132,000
Renville County North Dakota 1 $ 115,000 $ 115,000 $ 61,000
Steele County North Dakota 1 $ 625,000 $ 625,000 $ 154,000
Stutsman County North Dakota 1 $ 85,000 $ 85,000 $ 307,000
Walsh County North Dakota 1 $ 165,000 $ 165,000 $ 57,000
Allegheny County Pennsylvania 1 $ 205,000 $ 205,000 $ 125,000
Horry County South Carolina 1 $ 185,000 $ 185,000 $ 459,000
Lexington County South Carolina 1 $ 235,000 $ 235,000 $ 64,000
Beadle County South Dakota 1 $ 155,000 $ 155,000 $ 105,000
Bon Homme County South Dakota 1 $ 25,000 $ 25,000 $ 93,000
Brule County South Dakota 1 $ 305,000 $ 305,000 $ 112,000
Butte County South Dakota 1 $ 185,000 $ 185,000 $ 55,000
Douglas County South Dakota 1 $ 245,000 $ 245,000 $ 49,000
Gregory County South Dakota 1 $ 265,000 $ 265,000 $ 63,000
Hughes County South Dakota 1 $ 125,000 $ 125,000 $ 47,000
Hutchinson County South Dakota 1 $ 125,000 $ 125,000 $ 44,000
Marshall County South Dakota 1 $ 135,000 $ 135,000 $ 129,000
Pennington County South Dakota 1 $ 255,000 $ 255,000 $ 57,000
Tripp County South Dakota 1 $ 175,000 $ 175,000 $ 39,000
Washington County Virginia 1 $ 485,000 $ 485,000 $ 137,000
Bayfield County Wisconsin 1 $ 605,000 $ 605,000 $ 594,000
Kenosha County Wisconsin 1 $ 495,000 $ 495,000 $ 117,000
La Crosse County Wisconsin 1 $ 355,000 $ 355,000 $ 173,000
Albany County Wyoming 1 $ 205,000 $ 205,000 $ 78,000

Mortgage Loan Application Detail Totals for First International Bank & Trust in 2023

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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