First International Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, First International Bank & Trust of Minot, ND reported 1,540 mortgage applications totaling $563.4 million, up 29% from 2018. The average application was for $365,818, and applicants reported an average income of $143,980. 84% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Fargo, ND-MN (401), Phoenix-Mesa-Scottsdale, AZ (301) and Bismarck, ND (175) (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 | 1,540 |
| Total Mortgage Loan Application Amount | $563,360,000 |
| Average Mortgage Loan Application Amount | $365,818 |
| Highest Mortgage Loan Application Amount | $32,005,000 |
| Average Applicant Income | $143,980 |
| Highest Applicant Income | $8,000,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 533 | $ 177,705,000 | $ 333,405 | $ 127,671 |
| Fargo, ND-MN | 401 | $ 96,435,000 | $ 240,486 | $ 115,618 |
| Phoenix-Mesa-Scottsdale, AZ | 301 | $ 207,145,000 | $ 688,189 | $ 200,000 |
| Bismarck, ND | 175 | $ 45,385,000 | $ 259,342 | $ 138,000 |
| Grand Forks, ND-MN | 40 | $ 9,110,000 | $ 227,750 | $ 126,400 |
| Chicago-Naperville, IL | 16 | $ 4,030,000 | $ 251,875 | $ 115,000 |
| Flagstaff, AZ | 8 | $ 3,560,000 | $ 445,000 | $ 308,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 1,500,000 | $ 187,500 | $ 89,000 |
| Las Vegas-Henderson-Paradise, NV | 6 | $ 2,590,000 | $ 431,666 | $ 172,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 880,000 | $ 220,000 | $ 79,000 |
| Panama City, FL | 4 | $ 730,000 | $ 182,500 | $ 82,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 1,155,000 | $ 385,000 | $ 718,000 |
| Toledo, OH | 3 | $ 585,000 | $ 195,000 | $ 64,000 |
| Tucson, AZ | 3 | $ 475,000 | $ 158,333 | $ 112,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 360,000 | $ 180,000 | $ 284,000 |
| Austin-Round Rock, TX | 2 | $ 500,000 | $ 250,000 | $ 107,000 |
| Elgin, IL | 2 | $ 550,000 | $ 275,000 | $ 115,000 |
| Prescott Valley-Prescott, AZ | 2 | $ 1,070,000 | $ 535,000 | $ 153,000 |
| Rapid City, SD | 2 | $ 690,000 | $ 345,000 | $ 160,000 |
| St. Cloud, MN | 2 | $ 310,000 | $ 155,000 | $ 95,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 245,000 | $ 245,000 | $ 71,000 |
| Billings, MT | 1 | $ 445,000 | $ 445,000 | $ 663,000 |
| Boulder, CO | 1 | $ 165,000 | $ 165,000 | $ 236,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Dallas-Plano-Irving, TX | 1 | $ 195,000 | $ 195,000 | $ 118,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 495,000 | $ 495,000 | $ 230,000 |
| Des Moines-West Des Moines, IA | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 225,000 | $ 225,000 | $ 83,000 |
| Eau Claire, WI | 1 | $ 155,000 | $ 155,000 | $ 148,000 |
| Fort Collins, CO | 1 | $ 445,000 | $ 445,000 | $ 191,000 |
| Grand Junction, CO | 1 | $ 305,000 | $ 305,000 | $ 168,000 |
| Green Bay, WI | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 395,000 | $ 395,000 | $ 408,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 345,000 | $ 345,000 | $ 90,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 405,000 | $ 405,000 | $ 240,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 375,000 | $ 375,000 | $ 142,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Racine, WI | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 285,000 | $ 285,000 | $ 197,000 |
| San Diego-Carlsbad, CA | 1 | $ 2,145,000 | $ 2,145,000 | $ 600,000 |
| Sioux Falls, SD | 1 | $ 425,000 | $ 425,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Tacoma-Lakewood, WA | 1 | $ 275,000 | $ 275,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2019
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 | 985 | $400,445,000 | $406,000 | $32,005,000 | $146,000 | $8,000,000 |
| Refinancing | 287 | $95,355,000 | $332,000 | $10,805,000 | $134,000 | $900,000 |
| Cash-out Refinancing | 200 | $59,010,000 | $295,000 | $1,505,000 | $142,000 | $689,000 |
| Other Purpose | 38 | $5,670,000 | $149,000 | $575,000 | $149,000 | $1,436,000 |
| Home Improvement | 30 | $2,880,000 | $96,000 | $655,000 | $180,000 | $1,020,000 |
| 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 | 1,295 | $351,875,000 | $271,000 | $3,065,000 | $131,000 | $1,436,000 |
| Not Provided | 93 | $46,045,000 | $495,000 | $2,705,000 | $320,000 | $8,000,000 |
| Not applicable | 83 | $146,995,000 | $1,771,000 | $32,005,000 | $0 | $0 |
| Hispanic | 24 | $6,460,000 | $269,000 | $905,000 | $99,000 | $359,000 |
| Asian | 19 | $4,795,000 | $252,000 | $615,000 | $144,000 | $469,000 |
| Black or African American | 18 | $4,840,000 | $268,000 | $485,000 | $140,000 | $446,000 |
| American Indian or Alaskan Native | 7 | $2,095,000 | $299,000 | $485,000 | $241,000 | $919,000 |
| 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) | 1,268 | $496,090,000 | $391,000 | $32,005,000 | $158,000 | $8,000,000 |
| FHA-insured (Federal Housing Administration) | 156 | $34,040,000 | $218,000 | $375,000 | $73,000 | $220,000 |
| VA-guaranteed (Veterans Administration) | 102 | $30,020,000 | $294,000 | $655,000 | $99,000 | $212,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $3,210,000 | $229,000 | $365,000 | $76,000 | $109,000 |
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 | 1,298 | $489,360,000 | $377,000 | $32,005,000 | $145,000 | $8,000,000 |
| Application Withdrawn By Applicant | 171 | $54,105,000 | $316,000 | $2,355,000 | $153,000 | $1,436,000 |
| Application Denied By Financial Institution | 59 | $16,205,000 | $274,000 | $825,000 | $95,000 | $302,000 |
| Application Approved But Not Accepted | 12 | $3,690,000 | $307,000 | $485,000 | $171,000 | $446,000 |
| 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 | 1,481 | $547,155,000 | $369,000 | $32,005,000 | $147,000 | $8,000,000 |
| Collateral | 23 | $6,925,000 | $301,000 | $765,000 | $114,000 | $302,000 |
| Debt-To-Income Ratio | 15 | $3,855,000 | $257,000 | $825,000 | $68,000 | $162,000 |
| Credit History | 8 | $2,190,000 | $273,000 | $525,000 | $89,000 | $134,000 |
| Employment History | 5 | $945,000 | $189,000 | $255,000 | $53,000 | $100,000 |
| Other | 4 | $1,060,000 | $265,000 | $455,000 | $121,000 | $206,000 |
| Unverifiable Information | 2 | $940,000 | $470,000 | $485,000 | $186,000 | $285,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $290,000 | $145,000 | $155,000 | $63,000 | $86,000 |
| Mortgage Insurance Denied | 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 2019 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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