First International Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, First International Bank & Trust of Minot, ND reported 2,234 mortgage applications totaling $756.1 million, up 25% from 2024. The average application was for $338,455, and applicants reported an average income of $176,526. 82% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Sioux Falls, SD (535), Fargo, ND-MN (359) and Minot, ND (227) (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 | 2,234 |
| Total Mortgage Loan Application Amount | $756,110,000 |
| Average Mortgage Loan Application Amount | $338,455 |
| Highest Mortgage Loan Application Amount | $17,645,000 |
| Average Applicant Income | $176,526 |
| Highest Applicant Income | $5,023,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sioux Falls, SD | 535 | $ 157,375,000 | $ 294,158 | $ 152,102 |
| Outside any metro area | 527 | $ 142,525,000 | $ 270,445 | $ 161,501 |
| Fargo, ND-MN | 359 | $ 130,275,000 | $ 362,883 | $ 181,426 |
| Minot, ND | 227 | $ 52,335,000 | $ 230,550 | $ 131,000 |
| Bismarck, ND | 208 | $ 62,020,000 | $ 298,173 | $ 187,000 |
| Phoenix-Mesa-Scottsdale, AZ | 164 | $ 134,600,000 | $ 820,731 | $ 326,000 |
| Grand Forks, ND-MN | 109 | $ 28,035,000 | $ 257,201 | $ 149,724 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 27 | $ 7,115,000 | $ 263,518 | $ 263,000 |
| Sioux City, IA-NE-SD | 10 | $ 2,450,000 | $ 245,000 | $ 119,100 |
| Omaha-Council Bluffs, NE-IA | 9 | $ 2,795,000 | $ 310,555 | $ 283,222 |
| Rapid City, SD | 7 | $ 7,745,000 | $ 1,106,428 | $ 134,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 3,230,000 | $ 807,500 | $ 804,000 |
| Kansas City, MO-KS | 3 | $ 1,195,000 | $ 398,333 | $ 178,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 850,000 | $ 425,000 | $ 165,000 |
| Lubbock, TX | 2 | $ 570,000 | $ 285,000 | $ 233,000 |
| Rochester, MN | 2 | $ 1,060,000 | $ 530,000 | $ 264,000 |
| Tucson, AZ | 2 | $ 450,000 | $ 225,000 | $ 70,000 |
| Arlington-Alexandria-Reston, VA-WV | 1 | $ 205,000 | $ 205,000 | $ 132,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 485,000 | $ 485,000 | $ 342,000 |
| Brownsville-Harlingen, TX | 1 | $ 5,000 | $ 5,000 | $ 180,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 305,000 | $ 305,000 | $ 235,000 |
| Charleston-North Charleston, SC | 1 | $ 425,000 | $ 425,000 | $ 92,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 275,000 | $ 275,000 | $ 110,000 |
| College Station-Bryan, TX | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 175,000 | $ 175,000 | $ 135,000 |
| Dallas-Plano-Irving, TX | 1 | $ 585,000 | $ 585,000 | $ 183,000 |
| Duluth, MN-WI | 1 | $ 645,000 | $ 645,000 | $ 130,000 |
| Fort Wayne, IN | 1 | $ 525,000 | $ 525,000 | $ 228,000 |
| Helena, MT | 1 | $ 505,000 | $ 505,000 | $ 214,000 |
| Jacksonville, FL | 1 | $ 1,935,000 | $ 1,935,000 | $ 999,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Lafayette-West Lafayette, IN | 1 | $ 65,000 | $ 65,000 | $ 367,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 1,305,000 | $ 1,305,000 | $ 532,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 375,000 | $ 375,000 | $ 137,000 |
| Lincoln, NE | 1 | $ 205,000 | $ 205,000 | $ 79,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 435,000 | $ 435,000 | $ 262,000 |
| Mankato-North Mankato, MN | 1 | $ 315,000 | $ 315,000 | $ 120,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 385,000 | $ 385,000 | $ 93,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 315,000 | $ 315,000 | $ 102,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 235,000 | $ 235,000 | $ 567,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 795,000 | $ 795,000 | $ 268,000 |
| Salem, OR | 1 | $ 715,000 | $ 715,000 | $ 515,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 235,000 | $ 235,000 | $ 205,000 |
| Springfield, MA | 1 | $ 205,000 | $ 205,000 | $ 144,000 |
| Springfield, MO | 1 | $ 255,000 | $ 255,000 | $ 111,000 |
| St. Cloud, MN | 1 | $ 495,000 | $ 495,000 | $ 260,000 |
| Toledo, OH | 1 | $ 135,000 | $ 135,000 | $ 102,000 |
| Tulsa, OK | 1 | $ 295,000 | $ 295,000 | $ 113,000 |
| Tyler, TX | 1 | $ 255,000 | $ 255,000 | $ 130,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 525,000 | $ 525,000 | $ 318,000 |
| Wichita, KS | 1 | $ 255,000 | $ 255,000 | $ 398,000 |
| Wilmington, DE-MD-NJ | 1 | $ 755,000 | $ 755,000 | $ 197,000 |
| Wilmington, NC | 1 | $ 525,000 | $ 525,000 | $ 158,000 |
| Yuma, AZ | 1 | $ 4,005,000 | $ 4,005,000 | $ 0 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2025
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 | 1,405 | $544,785,000 | $387,000 | $17,645,000 | $162,000 | $5,023,000 |
| Refinancing | 240 | $94,070,000 | $391,000 | $11,035,000 | $186,000 | $2,375,000 |
| Home Improvement | 239 | $31,485,000 | $131,000 | $1,665,000 | $186,000 | $1,800,000 |
| Other Purpose | 188 | $38,530,000 | $204,000 | $2,005,000 | $239,000 | $2,589,000 |
| Cash-out Refinancing | 162 | $47,240,000 | $291,000 | $1,515,000 | $202,000 | $3,838,000 |
| 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 | 1,775 | $537,085,000 | $302,000 | $12,755,000 | $173,000 | $5,023,000 |
| Not Provided | 215 | $83,665,000 | $389,000 | $6,125,000 | $196,000 | $1,998,000 |
| Not applicable | 93 | $92,715,000 | $996,000 | $17,645,000 | $0 | $0 |
| Hispanic | 70 | $18,040,000 | $257,000 | $785,000 | $143,000 | $683,000 |
| Asian | 33 | $10,135,000 | $307,000 | $1,165,000 | $260,000 | $1,200,000 |
| Black or African American | 24 | $7,850,000 | $327,000 | $755,000 | $192,000 | $750,000 |
| American Indian or Alaskan Native | 19 | $4,755,000 | $250,000 | $635,000 | $236,000 | $1,800,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,865,000 | $373,000 | $1,445,000 | $153,000 | $400,000 |
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) | 1,835 | $634,935,000 | $346,000 | $17,645,000 | $193,000 | $5,023,000 |
| FHA-insured (Federal Housing Administration) | 230 | $62,860,000 | $273,000 | $535,000 | $100,000 | $491,000 |
| VA-guaranteed (Veterans Administration) | 151 | $54,465,000 | $360,000 | $1,935,000 | $124,000 | $999,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $3,850,000 | $213,000 | $385,000 | $84,000 | $137,000 |
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 | 1,833 | $639,515,000 | $348,000 | $17,645,000 | $177,000 | $5,023,000 |
| Application Withdrawn By Applicant | 241 | $80,625,000 | $334,000 | $2,505,000 | $189,000 | $3,838,000 |
| Application Denied By Financial Institution | 114 | $24,330,000 | $213,000 | $1,155,000 | $138,000 | $940,000 |
| File Closed For Incompleteness | 35 | $6,725,000 | $192,000 | $1,005,000 | $176,000 | $712,000 |
| Application Approved But Not Accepted | 11 | $4,915,000 | $446,000 | $3,005,000 | $238,000 | $966,000 |
| 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 | 2,120 | $731,780,000 | $345,000 | $17,645,000 | $179,000 | $5,023,000 |
| Debt-To-Income Ratio | 60 | $13,830,000 | $230,000 | $1,005,000 | $133,000 | $611,000 |
| Credit History | 38 | $6,560,000 | $172,000 | $1,155,000 | $157,000 | $940,000 |
| Other | 5 | $1,105,000 | $221,000 | $405,000 | $159,000 | $240,000 |
| Collateral | 5 | $1,055,000 | $211,000 | $565,000 | $106,000 | $232,000 |
| Employment History | 3 | $1,175,000 | $391,000 | $755,000 | $71,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $350,000 | $175,000 | $215,000 | $65,000 | $89,000 |
| Unverifiable Information | 1 | $255,000 | $255,000 | $255,000 | $111,000 | $111,000 |
| 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 2025 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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