First International Bank & Trust Mortgage Lending & HMDA Data, 2024

In 2024, First International Bank & Trust of Minot, ND reported 1,791 mortgage applications totaling $544.8 million, up 13% from 2023. The average application was for $304,207, and applicants reported an average income of $169,035. 80% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Sioux Falls, SD (336), Fargo, ND-MN (302) and Bismarck, ND (190) (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 1,791
Total Mortgage Loan Application Amount $544,835,000
Average Mortgage Loan Application Amount $304,207
Highest Mortgage Loan Application Amount $20,005,000
Average Applicant Income $169,035
Highest Applicant Income $6,312,000

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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for First International Bank & Trust by County in 2024

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 257 $ 61,995,000 $ 241,225 $ 146,000
Minnehaha, South Dakota 228 $ 60,340,000 $ 264,649 $ 120,000
Ward, North Dakota 173 $ 40,875,000 $ 236,271 $ 138,000
Maricopa, Arizona 148 $ 121,440,000 $ 820,540 $ 349,000
Burleigh, North Dakota 145 $ 45,285,000 $ 312,310 $ 196,000
Lincoln, South Dakota 89 $ 25,375,000 $ 285,112 $ 159,000
Williams, North Dakota 84 $ 20,790,000 $ 247,500 $ 185,000
Grand Forks, North Dakota 58 $ 14,600,000 $ 251,724 $ 128,000
Clay, Minnesota 45 $ 9,115,000 $ 202,555 $ 120,000
Morton, North Dakota 45 $ 10,245,000 $ 227,666 $ 142,000
McKenzie, North Dakota 40 $ 8,880,000 $ 222,000 $ 137,000
Otter Tail, Minnesota 23 $ 8,545,000 $ 371,521 $ 184,000
Becker, Minnesota 21 $ 7,345,000 $ 349,761 $ 280,000
Pinal, Arizona 20 $ 7,670,000 $ 383,500 $ 251,000
Polk, Minnesota 18 $ 3,930,000 $ 218,333 $ 101,000
Wells, North Dakota 15 $ 1,225,000 $ 81,666 $ 81,000
Yankton, South Dakota 13 $ 2,455,000 $ 188,846 $ 96,000
Rock, Minnesota 11 $ 2,295,000 $ 208,636 $ 93,000
Todd, Minnesota 11 $ 1,345,000 $ 122,272 $ 84,000
McLean, North Dakota 11 $ 1,765,000 $ 160,454 $ 104,000
Pierce, North Dakota 11 $ 1,975,000 $ 179,545 $ 175,000
Traill, North Dakota 11 $ 2,055,000 $ 186,818 $ 125,000
McHenry, North Dakota 9 $ 1,215,000 $ 135,000 $ 83,000
Charles Mix, South Dakota 9 $ 1,615,000 $ 179,444 $ 75,000
Cass, Minnesota 8 $ 2,780,000 $ 347,500 $ 160,000
Lake, South Dakota 8 $ 2,550,000 $ 318,750 $ 120,000
Hennepin, Minnesota 7 $ 2,055,000 $ 293,571 $ 264,000
Richland, North Dakota 7 $ 1,525,000 $ 217,857 $ 85,000
Codington, South Dakota 7 $ 1,495,000 $ 213,571 $ 69,000
Grant, North Dakota 6 $ 760,000 $ 126,666 $ 107,000
Pennington, South Dakota 6 $ 1,980,000 $ 330,000 $ 113,000
Wadena, Minnesota 5 $ 1,445,000 $ 289,000 $ 89,000
Bottineau, North Dakota 5 $ 935,000 $ 187,000 $ 103,000
Dunn, North Dakota 5 $ 1,045,000 $ 209,000 $ 132,000
Union, South Dakota 5 $ 1,865,000 $ 373,000 $ 125,000
Navajo, Arizona 4 $ 1,780,000 $ 445,000 $ 174,000
Crow Wing, Minnesota 4 $ 740,000 $ 185,000 $ 58,000
Morrison, Minnesota 4 $ 1,980,000 $ 495,000 $ 139,000
Mercer, North Dakota 4 $ 420,000 $ 105,000 $ 73,000
Mountrail, North Dakota 4 $ 920,000 $ 230,000 $ 164,000
Renville, North Dakota 4 $ 540,000 $ 135,000 $ 83,000
Brookings, South Dakota 4 $ 890,000 $ 222,500 $ 77,000
Clay, South Dakota 4 $ 590,000 $ 147,500 $ 67,000
Davison, South Dakota 4 $ 710,000 $ 177,500 $ 84,000
McCook, South Dakota 4 $ 1,060,000 $ 265,000 $ 121,000
Turner, South Dakota 4 $ 840,000 $ 210,000 $ 139,000
Pima, Arizona 3 $ 1,405,000 $ 468,333 $ 201,000
Forsyth, Georgia 3 $ 1,705,000 $ 568,333 $ 219,000
Sioux, Iowa 3 $ 815,000 $ 271,666 $ 139,000
Douglas, Minnesota 3 $ 1,615,000 $ 538,333 $ 423,000
Hubbard, Minnesota 3 $ 1,355,000 $ 451,666 $ 1,052,000
Pipestone, Minnesota 3 $ 415,000 $ 138,333 $ 48,000
Richland, Montana 3 $ 1,405,000 $ 468,333 $ 89,000
Burke, North Dakota 3 $ 515,000 $ 171,666 $ 68,000
Kidder, North Dakota 3 $ 715,000 $ 238,333 $ 88,000
LaMoure, North Dakota 3 $ 725,000 $ 241,666 $ 124,000
Haakon, South Dakota 3 $ 365,000 $ 121,666 $ 53,000
Hutchinson, South Dakota 3 $ 635,000 $ 211,666 $ 100,000
Moody, South Dakota 3 $ 365,000 $ 121,666 $ 99,000
Lee, Florida 2 $ 810,000 $ 405,000 $ 239,000
Pinellas, Florida 2 $ 460,000 $ 230,000 $ 344,000
Volusia, Florida 2 $ 520,000 $ 260,000 $ 111,000
Dallas, Iowa 2 $ 700,000 $ 350,000 $ 106,000
Anoka, Minnesota 2 $ 850,000 $ 425,000 $ 123,000
Carver, Minnesota 2 $ 1,260,000 $ 630,000 $ 389,000
Grant, Minnesota 2 $ 260,000 $ 130,000 $ 192,000
Kittson, Minnesota 2 $ 380,000 $ 190,000 $ 64,000
Norman, Minnesota 2 $ 330,000 $ 165,000 $ 54,000
Ramsey, Minnesota 2 $ 990,000 $ 495,000 $ 52,000
Sherburne, Minnesota 2 $ 910,000 $ 455,000 $ 148,000
St. Louis, Minnesota 2 $ 800,000 $ 400,000 $ 185,000
Stearns, Minnesota 2 $ 1,880,000 $ 940,000 $ 1,028,000
Wilkin, Minnesota 2 $ 310,000 $ 155,000 $ 99,000
Carbon, Montana 2 $ 1,220,000 $ 610,000 $ 6,312,000
Sheridan, Montana 2 $ 710,000 $ 355,000 $ 189,000
Yellowstone, Montana 2 $ 860,000 $ 430,000 $ 142,000
Sarpy, Nebraska 2 $ 420,000 $ 210,000 $ 207,000
Clark, Nevada 2 $ 570,000 $ 285,000 $ 0
Barnes, North Dakota 2 $ 570,000 $ 285,000 $ 68,000
Dickey, North Dakota 2 $ 270,000 $ 135,000 $ 58,000
Foster, North Dakota 2 $ 360,000 $ 180,000 $ 86,000
Pembina, North Dakota 2 $ 280,000 $ 140,000 $ 118,000
Sheridan, North Dakota 2 $ 140,000 $ 70,000 $ 136,000
Stark, North Dakota 2 $ 500,000 $ 250,000 $ 51,000
Hughes, South Dakota 2 $ 320,000 $ 160,000 $ 56,000
Walworth, South Dakota 2 $ 390,000 $ 195,000 $ 161,000
Marathon, Wisconsin 2 $ 560,000 $ 280,000 $ 151,000
Autauga, Alabama 1 $ 145,000 $ 145,000 $ 44,000
Apache, Arizona 1 $ 605,000 $ 605,000 $ 147,000
Coconino, Arizona 1 $ 345,000 $ 345,000 $ 0
Benton, Arkansas 1 $ 765,000 $ 765,000 $ 553,000
Los Angeles, California 1 $ 455,000 $ 455,000 $ 0
Douglas, Colorado 1 $ 445,000 $ 445,000 $ 165,000
Rio Blanco, Colorado 1 $ 755,000 $ 755,000 $ 0
District of Columbia, District Of Columbia 1 $ 585,000 $ 585,000 $ 132,000
Brevard, Florida 1 $ 305,000 $ 305,000 $ 214,000
Escambia, Florida 1 $ 505,000 $ 505,000 $ 170,000
Lake, Florida 1 $ 145,000 $ 145,000 $ 37,000
Leon, Florida 1 $ 305,000 $ 305,000 $ 232,000
Twin Falls, Idaho 1 $ 465,000 $ 465,000 $ 220,000
Rock Island, Illinois 1 $ 225,000 $ 225,000 $ 180,000
Allen, Indiana 1 $ 75,000 $ 75,000 $ 69,000
Dickinson, Iowa 1 $ 505,000 $ 505,000 $ 133,000
Kossuth, Iowa 1 $ 75,000 $ 75,000 $ 0
Lyon, Iowa 1 $ 65,000 $ 65,000 $ 127,000
Plymouth, Iowa 1 $ 145,000 $ 145,000 $ 63,000
Woodbury, Iowa 1 $ 125,000 $ 125,000 $ 164,000
Montgomery, Kansas 1 $ 65,000 $ 65,000 $ 112,000
Sedgwick, Kansas 1 $ 615,000 $ 615,000 $ 350,000
Suffolk, Massachusetts 1 $ 455,000 $ 455,000 $ 732,000
Beltrami, Minnesota 1 $ 335,000 $ 335,000 $ 450,000
Benton, Minnesota 1 $ 375,000 $ 375,000 $ 144,000
Chippewa, Minnesota 1 $ 185,000 $ 185,000 $ 166,000
Chisago, Minnesota 1 $ 155,000 $ 155,000 $ 73,000
Cottonwood, Minnesota 1 $ 215,000 $ 215,000 $ 98,000
Dakota, Minnesota 1 $ 325,000 $ 325,000 $ 119,000
Koochiching, Minnesota 1 $ 65,000 $ 65,000 $ 208,000
Lake of the Woods, Minnesota 1 $ 95,000 $ 95,000 $ 69,000
Lyon, Minnesota 1 $ 235,000 $ 235,000 $ 105,000
Mahnomen, Minnesota 1 $ 185,000 $ 185,000 $ 185,000
Marshall, Minnesota 1 $ 235,000 $ 235,000 $ 56,000
Murray, Minnesota 1 $ 55,000 $ 55,000 $ 91,000
Nicollet, Minnesota 1 $ 315,000 $ 315,000 $ 120,000
Olmsted, Minnesota 1 $ 535,000 $ 535,000 $ 370,000
Redwood, Minnesota 1 $ 125,000 $ 125,000 $ 41,000
Roseau, Minnesota 1 $ 225,000 $ 225,000 $ 86,000
Scott, Minnesota 1 $ 435,000 $ 435,000 $ 128,000
Washington, Minnesota 1 $ 295,000 $ 295,000 $ 246,000
Jackson, Missouri 1 $ 155,000 $ 155,000 $ 115,000
Flathead, Montana 1 $ 495,000 $ 495,000 $ 273,000
Gallatin, Montana 1 $ 525,000 $ 525,000 $ 152,000
Granite, Montana 1 $ 235,000 $ 235,000 $ 55,000
Park, Montana 1 $ 105,000 $ 105,000 $ 0
Roosevelt, Montana 1 $ 285,000 $ 285,000 $ 73,000
Box Butte, Nebraska 1 $ 95,000 $ 95,000 $ 85,000
Douglas, Nebraska 1 $ 255,000 $ 255,000 $ 99,000
Lancaster, Nebraska 1 $ 235,000 $ 235,000 $ 113,000
Wayne, Nebraska 1 $ 315,000 $ 315,000 $ 151,000
Emmons, North Dakota 1 $ 165,000 $ 165,000 $ 37,000
Golden Valley, North Dakota 1 $ 45,000 $ 45,000 $ 0
Hettinger, North Dakota 1 $ 195,000 $ 195,000 $ 67,000
Nelson, North Dakota 1 $ 255,000 $ 255,000 $ 82,000
Ransom, North Dakota 1 $ 185,000 $ 185,000 $ 53,000
Rolette, North Dakota 1 $ 65,000 $ 65,000 $ 97,000
Sargent, North Dakota 1 $ 195,000 $ 195,000 $ 56,000
Steele, North Dakota 1 $ 155,000 $ 155,000 $ 63,000
Walsh, North Dakota 1 $ 45,000 $ 45,000 $ 87,000
Multnomah, Oregon 1 $ 295,000 $ 295,000 $ 0
Anderson, South Carolina 1 $ 375,000 $ 375,000 $ 261,000
Beadle, South Dakota 1 $ 155,000 $ 155,000 $ 54,000
Bon Homme, South Dakota 1 $ 85,000 $ 85,000 $ 54,000
Campbell, South Dakota 1 $ 145,000 $ 145,000 $ 69,000
Clark, South Dakota 1 $ 375,000 $ 375,000 $ 155,000
Deuel, South Dakota 1 $ 325,000 $ 325,000 $ 167,000
Douglas, South Dakota 1 $ 245,000 $ 245,000 $ 45,000
Faulk, South Dakota 1 $ 215,000 $ 215,000 $ 47,000
Gregory, South Dakota 1 $ 105,000 $ 105,000 $ 89,000
Hanson, South Dakota 1 $ 105,000 $ 105,000 $ 87,000
Hyde, South Dakota 1 $ 55,000 $ 55,000 $ 57,000
Kingsbury, South Dakota 1 $ 65,000 $ 65,000 $ 142,000
Meade, South Dakota 1 $ 465,000 $ 465,000 $ 246,000
Spink, South Dakota 1 $ 215,000 $ 215,000 $ 151,000
Tripp, South Dakota 1 $ 145,000 $ 145,000 $ 105,000
Wilson, Tennessee 1 $ 425,000 $ 425,000 $ 113,000
Cache, Utah 1 $ 305,000 $ 305,000 $ 360,000
Salt Lake, Utah 1 $ 175,000 $ 175,000 $ 631,000
Spokane, Washington 1 $ 105,000 $ 105,000 $ 243,000
Greenbrier, West Virginia 1 $ 265,000 $ 265,000 $ 114,000
Barron, Wisconsin 1 $ 545,000 $ 545,000 $ 165,000
Dunn, Wisconsin 1 $ 185,000 $ 185,000 $ 81,000
La Crosse, Wisconsin 1 $ 475,000 $ 475,000 $ 357,000
Trempealeau, Wisconsin 1 $ 395,000 $ 395,000 $ 164,000
Waukesha, Wisconsin 1 $ 665,000 $ 665,000 $ 163,000
Albany, Wyoming 1 $ 275,000 $ 275,000 $ 80,000
Natrona, Wyoming 1 $ 135,000 $ 135,000 $ 0

Mortgage Loan Application Detail Totals for First International Bank & Trust in 2024

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 1,171 $404,395,000 $345,000 $20,005,000 $166,000 $6,312,000
Home Improvement 186 $28,180,000 $151,000 $2,135,000 $182,000 $3,396,000
Other Purpose 178 $24,610,000 $138,000 $1,405,000 $170,000 $1,878,000
Refinancing 148 $42,670,000 $288,000 $5,255,000 $180,000 $3,085,000
Cash-out Refinancing 108 $44,980,000 $416,000 $10,005,000 $163,000 $902,000
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 1,442 $398,360,000 $276,000 $7,725,000 $163,000 $3,396,000
Not Provided 145 $53,365,000 $368,000 $5,255,000 $255,000 $6,312,000
Not applicable 92 $64,500,000 $701,000 $20,005,000 $0 $0
Hispanic 53 $12,595,000 $237,000 $645,000 $122,000 $450,000
Black or African American 23 $5,915,000 $257,000 $535,000 $120,000 $401,000
Asian 19 $5,505,000 $289,000 $805,000 $169,000 $572,000
American Indian or Alaskan Native 16 $4,300,000 $268,000 $585,000 $127,000 $320,000
Native Hawaiian or Other Pacific Islander 1 $295,000 $295,000 $295,000 $99,000 $99,000

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) 1,493 $459,345,000 $307,000 $20,005,000 $185,000 $6,312,000
FHA-insured (Federal Housing Administration) 210 $58,540,000 $278,000 $595,000 $97,000 $452,000
VA-guaranteed (Veterans Administration) 79 $25,395,000 $321,000 $765,000 $98,000 $259,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 9 $1,555,000 $172,000 $275,000 $75,000 $107,000

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 1,437 $415,235,000 $288,000 $7,725,000 $173,000 $6,312,000
Application Withdrawn By Applicant 207 $64,915,000 $313,000 $2,135,000 $170,000 $3,396,000
Application Denied By Financial Institution 118 $24,930,000 $211,000 $2,255,000 $104,000 $320,000
File Closed For Incompleteness 17 $3,325,000 $195,000 $395,000 $259,000 $880,000
Application Approved But Not Accepted 12 $36,430,000 $3,035,000 $20,005,000 $313,000 $1,199,000
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 1,673 $519,905,000 $310,000 $20,005,000 $174,000 $6,312,000
Debt-To-Income Ratio 50 $13,870,000 $277,000 $2,255,000 $115,000 $274,000
Credit History 45 $6,535,000 $145,000 $535,000 $99,000 $320,000
Collateral 13 $1,855,000 $142,000 $375,000 $116,000 $255,000
Employment History 5 $2,145,000 $429,000 $755,000 $41,000 $117,000
Other 3 $155,000 $51,000 $55,000 $76,000 $94,000
Insufficient Cash (Downpayment, Closing Cost) 2 $370,000 $185,000 $235,000 $84,000 $113,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First International Bank & Trust's 2024 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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