First International Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, First International Bank & Trust of Minot, ND reported 1,307 mortgage applications totaling $272.6 million, up 12% from 2012. The average application was for $208,584, and applicants reported an average income of $109,160. 81% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Fargo, ND-MN (496), Phoenix-Mesa-Glendale, AZ (236) and Bismarck, ND (21) (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 | 1,307 |
| Total Mortgage Loan Application Amount | $272,620,000 |
| Average Mortgage Loan Application Amount | $208,584 |
| Highest Mortgage Loan Application Amount | $4,260,000 |
| Average Applicant Income | $109,160 |
| Highest Applicant Income | $5,267,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 496 | $ 87,402,000 | $ 176,213 | $ 91,959 |
| Phoenix-Mesa-Glendale, AZ | 236 | $ 59,732,000 | $ 253,101 | $ 140,000 |
| Bismarck, ND | 21 | $ 4,435,000 | $ 211,190 | $ 118,000 |
| Las Vegas-Paradise, NV | 3 | $ 818,000 | $ 272,666 | $ 304,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 348,000 | $ 116,000 | $ 79,000 |
| Grand Forks, ND-MN | 2 | $ 417,000 | $ 208,500 | $ 66,000 |
| Coeur D'Alene, ID | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Denver-Aurora-Broomfield, CO | 1 | $ 74,000 | $ 74,000 | $ 157,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 280,000 | $ 280,000 | $ 85,000 |
| Indianapolis-Carmel, IN | 1 | $ 99,000 | $ 99,000 | $ 220,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 184,000 | $ 184,000 | $ 79,000 |
| Lakeland-Winter Haven, FL | 1 | $ 268,000 | $ 268,000 | $ 304,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 196,000 | $ 196,000 | $ 739,000 |
| Palm Coast, FL | 1 | $ 197,000 | $ 197,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Savannah, GA | 1 | $ 318,000 | $ 318,000 | $ 123,000 |
| St. Cloud, MN | 1 | $ 259,000 | $ 259,000 | $ 93,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2013
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 | 794 | $174,045,000 | $219,000 | $4,260,000 | $112,000 | $5,267,000 |
| Refinancing | 444 | $93,380,000 | $210,000 | $3,630,000 | $101,000 | $1,113,000 |
| Home Improvement | 69 | $5,195,000 | $75,000 | $469,000 | $129,000 | $1,745,000 |
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 | 1,093 | $207,085,000 | $189,000 | $3,630,000 | $123,000 | $5,267,000 |
| Not applicable | 153 | $54,224,000 | $354,000 | $4,260,000 | $0 | $0 |
| Not Provided | 31 | $5,631,000 | $181,000 | $400,000 | $97,000 | $473,000 |
| Hispanic | 11 | $1,931,000 | $175,000 | $329,000 | $94,000 | $200,000 |
| Asian | 7 | $1,647,000 | $235,000 | $415,000 | $279,000 | $1,113,000 |
| Black or African American | 6 | $1,254,000 | $209,000 | $280,000 | $209,000 | $591,000 |
| American Indian or Alaskan Native | 4 | $592,000 | $148,000 | $206,000 | $262,000 | $780,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $256,000 | $128,000 | $156,000 | $133,000 | $198,000 |
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) | 1,112 | $239,036,000 | $214,000 | $4,260,000 | $117,000 | $5,267,000 |
| FHA-insured (Federal Housing Administration) | 140 | $22,852,000 | $163,000 | $280,000 | $60,000 | $182,000 |
| VA-guaranteed (Veterans Administration) | 50 | $10,126,000 | $202,000 | $577,000 | $65,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $606,000 | $121,000 | $217,000 | $50,000 | $63,000 |
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 | 1,064 | $225,748,000 | $212,000 | $4,260,000 | $110,000 | $5,267,000 |
| Application Denied By Financial Institution | 103 | $19,252,000 | $186,000 | $500,000 | $102,000 | $1,113,000 |
| Application Approved But Not Accepted | 86 | $16,076,000 | $186,000 | $600,000 | $105,000 | $480,000 |
| Application Withdrawn By Applicant | 46 | $9,678,000 | $210,000 | $417,000 | $111,000 | $805,000 |
| File Closed For Incompleteness | 8 | $1,866,000 | $233,000 | $350,000 | $76,000 | $138,000 |
| 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 | 51 | $9,858,000 | $193,000 | $500,000 | $120,000 | $660,000 |
| Credit History | 23 | $3,861,000 | $167,000 | $415,000 | $110,000 | $1,113,000 |
| Debt-To-Income Ratio | 23 | $4,745,000 | $206,000 | $392,000 | $58,000 | $131,000 |
| Other | 3 | $358,000 | $119,000 | $195,000 | $77,000 | $133,000 |
| Employment History | 2 | $381,000 | $190,000 | $276,000 | $104,000 | $174,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $49,000 | $49,000 | $49,000 | $54,000 | $54,000 |
| 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 2013 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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