First International Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, First International Bank & Trust of Minot, ND reported 576 mortgage applications totaling $93.0 million, up 3% from 2006. The average application was for $161,477, and applicants reported an average income of $92,006. 84% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Fargo, ND-MN (282), Phoenix-Mesa-Scottsdale, AZ (11) and Bismarck, ND (9) (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 | 576 |
| Total Mortgage Loan Application Amount | $93,011,000 |
| Average Mortgage Loan Application Amount | $161,477 |
| Highest Mortgage Loan Application Amount | $3,750,000 |
| Average Applicant Income | $92,006 |
| Highest Applicant Income | $2,502,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Fargo, ND-MN | 282 | $ 46,790,000 | $ 165,921 | $ 84,978 |
| Phoenix-Mesa-Scottsdale, AZ | 11 | $ 3,808,000 | $ 346,181 | $ 362,000 |
| Bismarck, ND | 9 | $ 1,498,000 | $ 166,444 | $ 98,000 |
| Grand Forks, ND-MN | 6 | $ 902,000 | $ 150,333 | $ 143,333 |
| Boise City-Nampa, ID | 2 | $ 178,000 | $ 89,000 | $ 84,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 333,000 | $ 166,500 | $ 170,000 |
| Des Moines-West Des Moines, IA | 1 | $ 281,000 | $ 281,000 | $ 90,000 |
| Kansas City, MO-KS | 1 | $ 171,000 | $ 171,000 | $ 47,000 |
| Rapid City, SD | 1 | $ 190,000 | $ 190,000 | $ 51,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 1,350,000 | $ 1,350,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2007
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 | 280 | $34,950,000 | $124,000 | $1,350,000 | $72,000 | $2,502,000 |
| Refinancing | 253 | $56,582,000 | $223,000 | $3,750,000 | $115,000 | $984,000 |
| Home Improvement | 43 | $1,479,000 | $34,000 | $100,000 | $87,000 | $266,000 |
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 | 542 | $80,299,000 | $148,000 | $3,750,000 | $96,000 | $2,502,000 |
| Not applicable | 19 | $10,447,000 | $549,000 | $3,670,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $1,101,000 | $157,000 | $400,000 | $78,000 | $252,000 |
| Asian | 7 | $1,047,000 | $149,000 | $266,000 | $86,000 | $170,000 |
| Hispanic | 1 | $117,000 | $117,000 | $117,000 | $44,000 | $44,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 525 | $87,244,000 | $166,000 | $3,750,000 | $96,000 | $2,502,000 |
| FHA-insured (Federal Housing Administration) | 42 | $4,711,000 | $112,000 | $181,000 | $55,000 | $248,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,056,000 | $117,000 | $217,000 | $46,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 484 | $78,892,000 | $163,000 | $3,750,000 | $92,000 | $2,502,000 |
| Application Approved But Not Accepted | 36 | $5,465,000 | $151,000 | $417,000 | $95,000 | $340,000 |
| Application Denied By Financial Institution | 30 | $4,154,000 | $138,000 | $417,000 | $55,000 | $150,000 |
| Application Withdrawn By Applicant | 26 | $4,500,000 | $173,000 | $640,000 | $124,000 | $720,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 12 | $509,000 | $42,000 | $117,000 | $55,000 | $126,000 |
| Debt-To-Income Ratio | 9 | $1,384,000 | $153,000 | $266,000 | $40,000 | $73,000 |
| Other | 7 | $1,911,000 | $273,000 | $417,000 | $81,000 | $150,000 |
| Collateral | 2 | $350,000 | $175,000 | $252,000 | $31,000 | $62,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2007 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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