First International Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, First International Bank & Trust of Minot, ND reported 1,219 mortgage applications totaling $331.1 million, down 7% from 2013. The average application was for $271,639, and applicants reported an average income of $137,240. 80% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Fargo, ND-MN (403), Phoenix-Mesa-Scottsdale, AZ (264) and Bismarck, ND (26) (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 | 1,219 |
| Total Mortgage Loan Application Amount | $331,129,000 |
| Average Mortgage Loan Application Amount | $271,639 |
| Highest Mortgage Loan Application Amount | $11,685,000 |
| Average Applicant Income | $137,240 |
| Highest Applicant Income | $7,885,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 403 | $ 88,591,000 | $ 219,828 | $ 90,022 |
| Phoenix-Mesa-Scottsdale, AZ | 264 | $ 86,614,000 | $ 328,083 | $ 162,000 |
| Bismarck, ND | 26 | $ 11,371,000 | $ 437,346 | $ 141,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 14 | $ 4,238,000 | $ 302,714 | $ 205,000 |
| Grand Forks, ND-MN | 3 | $ 362,000 | $ 120,666 | $ 175,000 |
| St. Cloud, MN | 3 | $ 1,361,000 | $ 453,666 | $ 604,000 |
| Billings, MT | 2 | $ 267,000 | $ 133,500 | $ 249,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 261,000 | $ 130,500 | $ 265,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 399,000 | $ 399,000 | $ 141,000 |
| Des Moines-West Des Moines, IA | 1 | $ 95,000 | $ 95,000 | $ 87,000 |
| Jackson, TN | 1 | $ 40,000 | $ 40,000 | $ 150,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 124,000 | $ 124,000 | $ 114,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 117,000 | $ 117,000 | $ 139,000 |
| Missoula, MT | 1 | $ 144,000 | $ 144,000 | $ 43,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 430,000 | $ 430,000 | $ 252,000 |
| Rochester, MN | 1 | $ 400,000 | $ 400,000 | $ 272,000 |
| Spokane-Spokane Valley, WA | 1 | $ 198,000 | $ 198,000 | $ 114,000 |
| Wichita, KS | 1 | $ 158,000 | $ 158,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2014
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 | 843 | $257,394,000 | $305,000 | $11,685,000 | $144,000 | $7,885,000 |
| Refinancing | 299 | $65,556,000 | $219,000 | $2,160,000 | $127,000 | $2,199,000 |
| Home Improvement | 77 | $8,179,000 | $106,000 | $800,000 | $103,000 | $857,000 |
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 | 1,053 | $222,245,000 | $211,000 | $2,160,000 | $150,000 | $7,885,000 |
| Not applicable | 99 | $92,353,000 | $932,000 | $11,685,000 | $0 | $0 |
| Not Provided | 24 | $7,703,000 | $320,000 | $1,000,000 | $173,000 | $1,102,000 |
| Hispanic | 20 | $3,389,000 | $169,000 | $518,000 | $99,000 | $790,000 |
| Black or African American | 10 | $2,791,000 | $279,000 | $863,000 | $121,000 | $323,000 |
| American Indian or Alaskan Native | 7 | $1,270,000 | $181,000 | $368,000 | $109,000 | $339,000 |
| Asian | 6 | $1,378,000 | $229,000 | $509,000 | $220,000 | $337,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,036 | $298,449,000 | $288,000 | $11,685,000 | $149,000 | $7,885,000 |
| FHA-insured (Federal Housing Administration) | 139 | $23,079,000 | $166,000 | $346,000 | $65,000 | $509,000 |
| VA-guaranteed (Veterans Administration) | 36 | $8,336,000 | $231,000 | $523,000 | $75,000 | $243,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,265,000 | $158,000 | $330,000 | $45,000 | $98,000 |
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 | 976 | $276,555,000 | $283,000 | $11,685,000 | $142,000 | $7,885,000 |
| Application Denied By Financial Institution | 106 | $23,320,000 | $220,000 | $2,160,000 | $103,000 | $2,199,000 |
| Application Approved But Not Accepted | 95 | $22,383,000 | $235,000 | $1,520,000 | $129,000 | $612,000 |
| Application Withdrawn By Applicant | 40 | $8,494,000 | $212,000 | $900,000 | $118,000 | $484,000 |
| File Closed For Incompleteness | 2 | $377,000 | $188,000 | $320,000 | $143,000 | $250,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 43 | $9,858,000 | $229,000 | $2,160,000 | $139,000 | $2,199,000 |
| Collateral | 28 | $5,537,000 | $197,000 | $600,000 | $76,000 | $203,000 |
| Debt-To-Income Ratio | 27 | $6,044,000 | $223,000 | $488,000 | $69,000 | $263,000 |
| Other | 4 | $962,000 | $240,000 | $430,000 | $142,000 | $252,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $504,000 | $252,000 | $356,000 | $108,000 | $126,000 |
| Unverifiable Information | 1 | $304,000 | $304,000 | $304,000 | $120,000 | $120,000 |
| Employment History | 1 | $111,000 | $111,000 | $111,000 | $53,000 | $53,000 |
| 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 2014 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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