First International Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, First International Bank & Trust of Minot, ND reported 1,193 mortgage applications totaling $380.6 million, down 2% from 2017. The average application was for $318,989, and applicants reported an average income of $148,906. 87% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Fargo, ND-MN (300), Phoenix-Mesa-Scottsdale, AZ (255) and Bismarck, ND (147) (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 | 1,193 |
| Total Mortgage Loan Application Amount | $380,555,000 |
| Average Mortgage Loan Application Amount | $318,989 |
| Highest Mortgage Loan Application Amount | $12,725,000 |
| Average Applicant Income | $148,906 |
| Highest Applicant Income | $3,000,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 435 | $ 113,595,000 | $ 261,137 | $ 143,036 |
| Fargo, ND-MN | 300 | $ 87,050,000 | $ 290,166 | $ 104,260 |
| Phoenix-Mesa-Scottsdale, AZ | 255 | $ 132,125,000 | $ 518,137 | $ 223,000 |
| Bismarck, ND | 147 | $ 35,945,000 | $ 244,523 | $ 125,000 |
| Grand Forks, ND-MN | 18 | $ 3,610,000 | $ 200,555 | $ 108,833 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 11 | $ 1,815,000 | $ 165,000 | $ 148,727 |
| Panama City, FL | 3 | $ 575,000 | $ 191,666 | $ 101,000 |
| Tucson, AZ | 3 | $ 335,000 | $ 111,666 | $ 92,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 850,000 | $ 425,000 | $ 232,000 |
| Prescott, AZ | 2 | $ 110,000 | $ 55,000 | $ 54,000 |
| Toledo, OH | 2 | $ 290,000 | $ 145,000 | $ 54,000 |
| Billings, MT | 1 | $ 185,000 | $ 185,000 | $ 228,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 455,000 | $ 455,000 | $ 138,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 235,000 | $ 235,000 | $ 53,000 |
| Dover, DE | 1 | $ 265,000 | $ 265,000 | $ 84,000 |
| Harrisburg-Carlisle, PA | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 135,000 | $ 135,000 | $ 719,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 455,000 | $ 455,000 | $ 101,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 455,000 | $ 455,000 | $ 152,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 305,000 | $ 305,000 | $ 134,000 |
| Oklahoma City, OK | 1 | $ 115,000 | $ 115,000 | $ 83,000 |
| Rapid City, SD | 1 | $ 315,000 | $ 315,000 | $ 102,000 |
| Salt Lake City, UT | 1 | $ 365,000 | $ 365,000 | $ 104,000 |
| Sioux Falls, SD | 1 | $ 425,000 | $ 425,000 | $ 0 |
| St. Joseph, MO-KS | 1 | $ 335,000 | $ 335,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2018
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 | 848 | $268,520,000 | $316,000 | $12,725,000 | $137,000 | $2,434,000 |
| Refinancing | 156 | $48,670,000 | $311,000 | $4,735,000 | $166,000 | $1,546,000 |
| Cash-out Refinancing | 137 | $54,995,000 | $401,000 | $5,355,000 | $177,000 | $3,000,000 |
| Other Purpose | 34 | $4,530,000 | $133,000 | $455,000 | $206,000 | $1,511,000 |
| Home Improvement | 18 | $3,840,000 | $213,000 | $925,000 | $240,000 | $1,086,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | $269,025,000 | $272,000 | $5,005,000 | $147,000 | $3,000,000 |
| Not Provided | 76 | $28,100,000 | $369,000 | $2,685,000 | $195,000 | $882,000 |
| Not applicable | 72 | $70,190,000 | $974,000 | $12,725,000 | $0 | $0 |
| Asian | 20 | $4,160,000 | $208,000 | $455,000 | $155,000 | $475,000 |
| Hispanic | 18 | $3,800,000 | $211,000 | $335,000 | $81,000 | $195,000 |
| Black or African American | 12 | $2,630,000 | $219,000 | $325,000 | $109,000 | $350,000 |
| American Indian or Alaskan Native | 3 | $1,505,000 | $501,000 | $925,000 | $169,000 | $237,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $440,000 | $220,000 | $245,000 | $89,000 | $90,000 |
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) | 974 | $331,210,000 | $340,000 | $12,725,000 | $167,000 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 139 | $29,345,000 | $211,000 | $335,000 | $71,000 | $193,000 |
| VA-guaranteed (Veterans Administration) | 63 | $17,325,000 | $275,000 | $565,000 | $82,000 | $198,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $2,675,000 | $157,000 | $365,000 | $62,000 | $86,000 |
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 | 1,042 | $340,910,000 | $327,000 | $12,725,000 | $152,000 | $3,000,000 |
| Application Withdrawn By Applicant | 109 | $29,375,000 | $269,000 | $1,385,000 | $123,000 | $914,000 |
| Application Denied By Financial Institution | 39 | $9,375,000 | $240,000 | $725,000 | $145,000 | $1,698,000 |
| Application Approved But Not Accepted | 3 | $895,000 | $298,000 | $405,000 | $88,000 | $108,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,154 | $371,180,000 | $321,000 | $12,725,000 | $149,000 | $3,000,000 |
| Debt-To-Income Ratio | 17 | $3,925,000 | $230,000 | $725,000 | $63,000 | $128,000 |
| Collateral | 11 | $2,115,000 | $192,000 | $365,000 | $146,000 | $673,000 |
| Credit History | 6 | $1,910,000 | $318,000 | $455,000 | $125,000 | $214,000 |
| Other | 2 | $440,000 | $220,000 | $225,000 | $893,000 | $1,698,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $740,000 | $370,000 | $505,000 | $92,000 | $106,000 |
| Credit Application Incomplete | 1 | $245,000 | $245,000 | $245,000 | $164,000 | $164,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First International Bank & Trust's 2018 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.
For a list of all lenders in North Dakota, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About