First International Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, First International Bank & Trust of Minot, ND reported 1,266 mortgage applications totaling $421.4 million, down 2% from 2015. The average application was for $332,864, and applicants reported an average income of $130,452. 84% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Fargo, ND-MN (419), Phoenix-Mesa-Scottsdale, AZ (251) and Bismarck, ND (77) (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 | 1,266 |
| Total Mortgage Loan Application Amount | $421,406,000 |
| Average Mortgage Loan Application Amount | $332,864 |
| Highest Mortgage Loan Application Amount | $27,000,000 |
| Average Applicant Income | $130,452 |
| Highest Applicant Income | $3,795,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 419 | $ 131,458,000 | $ 313,742 | $ 100,961 |
| Phoenix-Mesa-Scottsdale, AZ | 251 | $ 83,063,000 | $ 330,928 | $ 173,000 |
| Bismarck, ND | 77 | $ 18,081,000 | $ 234,818 | $ 94,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 10 | $ 2,553,000 | $ 255,300 | $ 94,000 |
| Grand Forks, ND-MN | 7 | $ 5,630,000 | $ 804,285 | $ 647,000 |
| Flagstaff, AZ | 2 | $ 595,000 | $ 297,500 | $ 423,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 428,000 | $ 214,000 | $ 379,000 |
| Austin-Round Rock, TX | 1 | $ 155,000 | $ 155,000 | $ 186,000 |
| Billings, MT | 1 | $ 260,000 | $ 260,000 | $ 87,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 220,000 | $ 220,000 | $ 78,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 200,000 | $ 200,000 | $ 89,000 |
| Duluth, MN-WI | 1 | $ 40,000 | $ 40,000 | $ 22,000 |
| Fort Worth-Arlington, TX | 1 | $ 120,000 | $ 120,000 | $ 33,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 250,000 | $ 250,000 | $ 780,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 404,000 | $ 404,000 | $ 300,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 372,000 | $ 372,000 | $ 108,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 360,000 | $ 360,000 | $ 164,000 |
| Prescott, AZ | 1 | $ 270,000 | $ 270,000 | $ 134,000 |
| Pueblo, CO | 1 | $ 229,000 | $ 229,000 | $ 95,000 |
| Rapid City, SD | 1 | $ 171,000 | $ 171,000 | $ 126,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 565,000 | $ 565,000 | $ 1,080,000 |
| Rochester, MN | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Rockingham County-Strafford County, NH | 1 | $ 166,000 | $ 166,000 | $ 78,000 |
| San Antonio-New Braunfels, TX | 1 | $ 228,000 | $ 228,000 | $ 165,000 |
| Sioux Falls, SD | 1 | $ 417,000 | $ 417,000 | $ 425,000 |
| St. Louis, MO-IL | 1 | $ 349,000 | $ 349,000 | $ 180,000 |
| Tucson, AZ | 1 | $ 268,000 | $ 268,000 | $ 123,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2016
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 | 798 | $276,639,000 | $346,000 | $27,000,000 | $125,000 | $3,795,000 |
| Refinancing | 411 | $137,994,000 | $335,000 | $27,000,000 | $135,000 | $1,997,000 |
| Home Improvement | 57 | $6,773,000 | $118,000 | $840,000 | $174,000 | $3,282,000 |
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 | 1,102 | $270,911,000 | $245,000 | $3,300,000 | $138,000 | $3,795,000 |
| Not applicable | 60 | $121,500,000 | $2,025,000 | $27,000,000 | $0 | $0 |
| Not Provided | 44 | $13,552,000 | $308,000 | $708,000 | $162,000 | $1,080,000 |
| Hispanic | 29 | $7,683,000 | $264,000 | $920,000 | $81,000 | $222,000 |
| Asian | 13 | $4,568,000 | $351,000 | $1,629,000 | $163,000 | $447,000 |
| Black or African American | 10 | $2,052,000 | $205,000 | $352,000 | $88,000 | $300,000 |
| American Indian or Alaskan Native | 6 | $818,000 | $136,000 | $229,000 | $68,000 | $144,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $322,000 | $161,000 | $316,000 | $51,000 | $61,000 |
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) | 1,032 | $371,577,000 | $360,000 | $27,000,000 | $146,000 | $3,795,000 |
| FHA-insured (Federal Housing Administration) | 165 | $31,755,000 | $192,000 | $324,000 | $60,000 | $187,000 |
| VA-guaranteed (Veterans Administration) | 60 | $16,477,000 | $274,000 | $600,000 | $76,000 | $384,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,597,000 | $177,000 | $285,000 | $57,000 | $83,000 |
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 | 1,065 | $368,746,000 | $346,000 | $27,000,000 | $128,000 | $3,795,000 |
| Application Denied By Financial Institution | 81 | $21,064,000 | $260,000 | $840,000 | $135,000 | $1,443,000 |
| Application Approved But Not Accepted | 67 | $16,576,000 | $247,000 | $975,000 | $165,000 | $1,925,000 |
| Application Withdrawn By Applicant | 52 | $14,860,000 | $285,000 | $690,000 | $136,000 | $780,000 |
| Loan Purchased By The Institution | 1 | $160,000 | $160,000 | $160,000 | $44,000 | $44,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 36 | $10,884,000 | $302,000 | $840,000 | $135,000 | $488,000 |
| Credit History | 16 | $3,972,000 | $248,000 | $536,000 | $119,000 | $489,000 |
| Debt-To-Income Ratio | 16 | $3,498,000 | $218,000 | $474,000 | $96,000 | $387,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,210,000 | $242,000 | $384,000 | $348,000 | $1,443,000 |
| Other | 3 | $576,000 | $192,000 | $417,000 | $197,000 | $344,000 |
| Unverifiable Information | 2 | $396,000 | $198,000 | $241,000 | $43,000 | $53,000 |
| Employment History | 2 | $395,000 | $197,000 | $272,000 | $58,000 | $63,000 |
| Credit Application Incomplete | 1 | $133,000 | $133,000 | $133,000 | $52,000 | $52,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First International Bank & Trust's 2016 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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with aggregated HMDA statistics today.
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