First International Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, First International Bank & Trust of Minot, ND reported 1,220 mortgage applications totaling $347.0 million, down 4% from 2016. The average application was for $284,428, and applicants reported an average income of $131,573. 85% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Fargo, ND-MN (349), Phoenix-Mesa-Scottsdale, AZ (288) and Bismarck, ND (113) (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 | 1,220 |
| Total Mortgage Loan Application Amount | $347,003,000 |
| Average Mortgage Loan Application Amount | $284,428 |
| Highest Mortgage Loan Application Amount | $15,070,000 |
| Average Applicant Income | $131,573 |
| Highest Applicant Income | $14,409,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 349 | $ 93,654,000 | $ 268,349 | $ 94,280 |
| Phoenix-Mesa-Scottsdale, AZ | 288 | $ 104,611,000 | $ 363,232 | $ 164,000 |
| Bismarck, ND | 113 | $ 25,327,000 | $ 224,132 | $ 78,000 |
| Grand Forks, ND-MN | 15 | $ 1,778,000 | $ 118,533 | $ 30,400 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 904,000 | $ 226,000 | $ 130,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 987,000 | $ 329,000 | $ 92,000 |
| Sioux Falls, SD | 3 | $ 821,000 | $ 273,666 | $ 53,000 |
| Dallas-Plano-Irving, TX | 2 | $ 611,000 | $ 305,500 | $ 59,000 |
| St. Cloud, MN | 2 | $ 172,000 | $ 86,000 | $ 87,000 |
| Billings, MT | 1 | $ 249,000 | $ 249,000 | $ 303,000 |
| Colorado Springs, CO | 1 | $ 176,000 | $ 176,000 | $ 105,000 |
| Flagstaff, AZ | 1 | $ 333,000 | $ 333,000 | $ 1,051,000 |
| Fort Worth-Arlington, TX | 1 | $ 150,000 | $ 150,000 | $ 65,000 |
| Grand Junction, CO | 1 | $ 143,000 | $ 143,000 | $ 73,000 |
| Lansing-East Lansing, MI | 1 | $ 235,000 | $ 235,000 | $ 122,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 471,000 | $ 471,000 | $ 851,000 |
| Mankato-North Mankato, MN | 1 | $ 256,000 | $ 256,000 | $ 75,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 223,000 | $ 223,000 | $ 147,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 238,000 | $ 238,000 | $ 88,000 |
| Panama City, FL | 1 | $ 328,000 | $ 328,000 | $ 118,000 |
| Prescott, AZ | 1 | $ 149,000 | $ 149,000 | $ 42,000 |
| Rochester, MN | 1 | $ 138,000 | $ 138,000 | $ 0 |
| San Diego-Carlsbad, CA | 1 | $ 762,000 | $ 762,000 | $ 125,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 78,000 | $ 78,000 | $ 39,000 |
| St. Joseph, MO-KS | 1 | $ 175,000 | $ 175,000 | $ 142,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2017
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 | 892 | $268,764,000 | $301,000 | $15,070,000 | $131,000 | $14,409,000 |
| Refinancing | 250 | $67,335,000 | $269,000 | $3,000,000 | $126,000 | $1,090,000 |
| Home Improvement | 78 | $10,904,000 | $139,000 | $1,252,000 | $156,000 | $1,865,000 |
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 | 987 | $239,753,000 | $242,000 | $1,998,000 | $148,000 | $14,409,000 |
| Not applicable | 109 | $75,507,000 | $692,000 | $15,070,000 | $0 | $0 |
| Not Provided | 65 | $19,496,000 | $299,000 | $1,763,000 | $138,000 | $840,000 |
| Hispanic | 26 | $6,097,000 | $234,000 | $474,000 | $97,000 | $192,000 |
| Asian | 13 | $2,254,000 | $173,000 | $350,000 | $107,000 | $195,000 |
| Black or African American | 13 | $2,723,000 | $209,000 | $290,000 | $70,000 | $98,000 |
| American Indian or Alaskan Native | 4 | $449,000 | $112,000 | $247,000 | $70,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $724,000 | $241,000 | $323,000 | $146,000 | $172,000 |
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) | 971 | $292,393,000 | $301,000 | $15,070,000 | $147,000 | $14,409,000 |
| FHA-insured (Federal Housing Administration) | 161 | $34,029,000 | $211,000 | $347,000 | $68,000 | $535,000 |
| VA-guaranteed (Veterans Administration) | 71 | $17,325,000 | $244,000 | $456,000 | $71,000 | $319,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $3,256,000 | $191,000 | $302,000 | $61,000 | $129,000 |
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 | 1,037 | $300,367,000 | $289,000 | $15,070,000 | $129,000 | $14,409,000 |
| Application Approved But Not Accepted | 91 | $21,957,000 | $241,000 | $910,000 | $141,000 | $1,680,000 |
| Application Denied By Financial Institution | 53 | $14,683,000 | $277,000 | $1,348,000 | $103,000 | $847,000 |
| Application Withdrawn By Applicant | 37 | $9,612,000 | $259,000 | $686,000 | $203,000 | $1,397,000 |
| File Closed For Incompleteness | 1 | $175,000 | $175,000 | $175,000 | $142,000 | $142,000 |
| Loan Purchased By The Institution | 1 | $209,000 | $209,000 | $209,000 | $49,000 | $49,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 23 | $7,040,000 | $306,000 | $1,088,000 | $107,000 | $847,000 |
| Collateral | 14 | $4,493,000 | $320,000 | $1,348,000 | $111,000 | $373,000 |
| Credit History | 10 | $1,654,000 | $165,000 | $360,000 | $85,000 | $167,000 |
| Employment History | 3 | $732,000 | $244,000 | $337,000 | $86,000 | $115,000 |
| Other | 2 | $452,000 | $226,000 | $375,000 | $104,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $312,000 | $312,000 | $312,000 | $115,000 | $115,000 |
| 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 2017 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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