First International Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, First International Bank & Trust of Minot, ND reported 843 mortgage applications totaling $131.3 million, up 57% from 2008. The average application was for $155,737, and applicants reported an average income of $88,168. 77% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Fargo, ND-MN (359), Phoenix-Mesa-Scottsdale, AZ (60) and Bismarck, ND (10) (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 | 843 |
| Total Mortgage Loan Application Amount | $131,287,000 |
| Average Mortgage Loan Application Amount | $155,737 |
| Highest Mortgage Loan Application Amount | $2,070,000 |
| Average Applicant Income | $88,168 |
| Highest Applicant Income | $1,145,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 359 | $ 56,735,000 | $ 158,036 | $ 82,841 |
| Phoenix-Mesa-Scottsdale, AZ | 60 | $ 12,926,000 | $ 215,433 | $ 138,000 |
| Bismarck, ND | 10 | $ 1,368,000 | $ 136,800 | $ 68,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 1,392,000 | $ 278,400 | $ 112,000 |
| Grand Forks, ND-MN | 3 | $ 680,000 | $ 226,666 | $ 69,000 |
| Duluth, MN-WI | 1 | $ 124,000 | $ 124,000 | $ 43,000 |
| Fort Collins-Loveland, CO | 1 | $ 121,000 | $ 121,000 | $ 144,000 |
| Las Vegas-Paradise, NV | 1 | $ 122,000 | $ 122,000 | $ 2,000 |
| Missoula, MT | 1 | $ 132,000 | $ 132,000 | $ 180,000 |
| Palm Coast, FL | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Rapid City, SD | 1 | $ 248,000 | $ 248,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 458 | $78,794,000 | $172,000 | $2,070,000 | $86,000 | $835,000 |
| Home Purchase | 337 | $50,662,000 | $150,000 | $1,438,000 | $90,000 | $790,000 |
| Home Improvement | 48 | $1,831,000 | $38,000 | $302,000 | $96,000 | $1,145,000 |
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 | 787 | $121,588,000 | $154,000 | $2,070,000 | $90,000 | $1,145,000 |
| Not applicable | 24 | $5,520,000 | $230,000 | $1,438,000 | $0 | $0 |
| Not Provided | 11 | $1,449,000 | $131,000 | $250,000 | $113,000 | $307,000 |
| Hispanic | 10 | $1,425,000 | $142,000 | $385,000 | $92,000 | $300,000 |
| American Indian or Alaskan Native | 4 | $576,000 | $144,000 | $417,000 | $172,000 | $577,000 |
| Asian | 3 | $325,000 | $108,000 | $177,000 | $59,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $359,000 | $119,000 | $170,000 | $70,000 | $119,000 |
| Black or African American | 1 | $45,000 | $45,000 | $45,000 | $13,000 | $13,000 |
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) | 682 | $108,937,000 | $159,000 | $2,070,000 | $96,000 | $1,145,000 |
| FHA-insured (Federal Housing Administration) | 140 | $19,203,000 | $137,000 | $276,000 | $54,000 | $336,000 |
| VA-guaranteed (Veterans Administration) | 21 | $3,147,000 | $149,000 | $279,000 | $58,000 | $156,000 |
| 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 | 651 | $99,539,000 | $152,000 | $2,070,000 | $89,000 | $1,145,000 |
| Application Denied By Financial Institution | 80 | $13,406,000 | $167,000 | $1,000,000 | $79,000 | $361,000 |
| Application Approved But Not Accepted | 61 | $9,914,000 | $162,000 | $417,000 | $83,000 | $300,000 |
| Application Withdrawn By Applicant | 49 | $8,000,000 | $163,000 | $417,000 | $90,000 | $581,000 |
| File Closed For Incompleteness | 2 | $428,000 | $214,000 | $288,000 | $147,000 | $206,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 34 | $7,808,000 | $229,000 | $1,000,000 | $93,000 | $245,000 |
| Credit History | 20 | $1,584,000 | $79,000 | $276,000 | $47,000 | $207,000 |
| Debt-To-Income Ratio | 18 | $2,458,000 | $136,000 | $241,000 | $60,000 | $336,000 |
| Other | 6 | $1,232,000 | $205,000 | $323,000 | $165,000 | $361,000 |
| Employment History | 1 | $200,000 | $200,000 | $200,000 | $60,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $124,000 | $124,000 | $124,000 | $43,000 | $43,000 |
| 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 2009 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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