First International Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, First International Bank & Trust of Minot, ND reported 2,807 mortgage applications totaling $1.2 billion, up 15% from 2020. The average application was for $419,139, and applicants reported an average income of $148,087. 82% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Fargo, ND-MN (622), Sioux Falls, SD (431) and Bismarck, ND (339) (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 | 2,807 |
| Total Mortgage Loan Application Amount | $1,176,525,000 |
| Average Mortgage Loan Application Amount | $419,139 |
| Highest Mortgage Loan Application Amount | $68,625,000 |
| Average Applicant Income | $148,087 |
| Highest Applicant Income | $4,826,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 890 | $ 230,880,000 | $ 259,415 | $ 141,279 |
| Fargo, ND-MN | 622 | $ 212,710,000 | $ 341,977 | $ 124,617 |
| Sioux Falls, SD | 431 | $ 108,605,000 | $ 251,983 | $ 88,000 |
| Bismarck, ND | 339 | $ 109,105,000 | $ 321,843 | $ 127,000 |
| Phoenix-Mesa-Scottsdale, AZ | 289 | $ 246,385,000 | $ 852,543 | $ 338,000 |
| Grand Forks, ND-MN | 94 | $ 21,870,000 | $ 232,659 | $ 106,531 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 27 | $ 164,025,000 | $ 6,075,000 | $ 167,000 |
| Des Moines-West Des Moines, IA | 14 | $ 3,730,000 | $ 266,428 | $ 78,000 |
| Sioux City, IA-NE-SD | 11 | $ 2,305,000 | $ 209,545 | $ 78,636 |
| Rapid City, SD | 7 | $ 1,775,000 | $ 253,571 | $ 95,000 |
| Tucson, AZ | 5 | $ 14,175,000 | $ 2,835,000 | $ 133,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 3,240,000 | $ 810,000 | $ 228,000 |
| Las Vegas-Henderson-Paradise, NV | 4 | $ 2,030,000 | $ 507,500 | $ 518,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,920,000 | $ 480,000 | $ 738,000 |
| Duluth, MN-WI | 3 | $ 575,000 | $ 191,666 | $ 191,000 |
| Rochester, MN | 3 | $ 675,000 | $ 225,000 | $ 101,000 |
| Toledo, OH | 3 | $ 655,000 | $ 218,333 | $ 65,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 955,000 | $ 318,333 | $ 211,333 |
| Ames, IA | 2 | $ 400,000 | $ 200,000 | $ 64,000 |
| Billings, MT | 2 | $ 780,000 | $ 390,000 | $ 746,000 |
| Casper, WY | 2 | $ 470,000 | $ 235,000 | $ 96,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 230,000 | $ 115,000 | $ 35,500 |
| Flagstaff, AZ | 2 | $ 770,000 | $ 385,000 | $ 260,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 740,000 | $ 370,000 | $ 228,500 |
| Prescott Valley-Prescott, AZ | 2 | $ 860,000 | $ 430,000 | $ 129,000 |
| St. Cloud, MN | 2 | $ 540,000 | $ 270,000 | $ 109,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 2 | $ 320,000 | $ 160,000 | $ 47,000 |
| Anchorage, AK | 1 | $ 395,000 | $ 395,000 | $ 174,000 |
| Austin-Round Rock, TX | 1 | $ 165,000 | $ 165,000 | $ 146,000 |
| Bakersfield, CA | 1 | $ 285,000 | $ 285,000 | $ 84,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 545,000 | $ 545,000 | $ 110,000 |
| Cedar Rapids, IA | 1 | $ 165,000 | $ 165,000 | $ 71,000 |
| Chicago-Naperville, IL | 1 | $ 475,000 | $ 475,000 | $ 108,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 165,000 | $ 165,000 | $ 114,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 295,000 | $ 295,000 | $ 55,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Dover, DE | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Dubuque, IA | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Fort Collins, CO | 1 | $ 35,005,000 | $ 35,005,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 375,000 | $ 375,000 | $ 108,000 |
| Grand Junction, CO | 1 | $ 305,000 | $ 305,000 | $ 77,000 |
| Great Falls, MT | 1 | $ 215,000 | $ 215,000 | $ 66,000 |
| Jacksonville, FL | 1 | $ 295,000 | $ 295,000 | $ 47,000 |
| Kansas City, MO-KS | 1 | $ 295,000 | $ 295,000 | $ 96,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 535,000 | $ 535,000 | $ 674,000 |
| Memphis, TN-MS-AR | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Missoula, MT | 1 | $ 265,000 | $ 265,000 | $ 392,000 |
| Nassau County-Suffolk County, NY | 1 | $ 615,000 | $ 615,000 | $ 130,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Punta Gorda, FL | 1 | $ 245,000 | $ 245,000 | $ 338,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 1,005,000 | $ 1,005,000 | $ 601,000 |
| Roanoke, VA | 1 | $ 375,000 | $ 375,000 | $ 452,000 |
| Salisbury, MD-DE | 1 | $ 305,000 | $ 305,000 | $ 105,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 345,000 | $ 345,000 | $ 139,000 |
| Spokane-Spokane Valley, WA | 1 | $ 545,000 | $ 545,000 | $ 3,553,000 |
| St. Louis, MO-IL | 1 | $ 185,000 | $ 185,000 | $ 128,000 |
| Vallejo-Fairfield, CA | 1 | $ 365,000 | $ 365,000 | $ 164,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Wilmington, DE-MD-NJ | 1 | $ 105,000 | $ 105,000 | $ 96,000 |
| Yuma, AZ | 1 | $ 275,000 | $ 275,000 | $ 162,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2021
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 | 1,633 | $780,505,000 | $477,000 | $68,625,000 | $147,000 | $4,826,000 |
| Refinancing | 680 | $229,080,000 | $336,000 | $26,005,000 | $153,000 | $4,826,000 |
| Cash-out Refinancing | 426 | $151,520,000 | $355,000 | $16,705,000 | $127,000 | $1,877,000 |
| Other Purpose | 39 | $10,965,000 | $281,000 | $1,245,000 | $293,000 | $2,691,000 |
| Home Improvement | 29 | $4,455,000 | $153,000 | $1,055,000 | $209,000 | $1,458,000 |
| 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 | 2,196 | $614,580,000 | $279,000 | $3,245,000 | $136,000 | $4,826,000 |
| Not Provided | 318 | $152,130,000 | $478,000 | $8,505,000 | $222,000 | $3,599,000 |
| Not applicable | 123 | $351,755,000 | $2,859,000 | $68,625,000 | $111,000 | $111,000 |
| Hispanic | 53 | $15,225,000 | $287,000 | $795,000 | $114,000 | $600,000 |
| Asian | 48 | $23,220,000 | $483,000 | $5,605,000 | $265,000 | $2,594,000 |
| Black or African American | 46 | $14,340,000 | $311,000 | $1,265,000 | $146,000 | $771,000 |
| American Indian or Alaskan Native | 20 | $4,680,000 | $234,000 | $485,000 | $119,000 | $435,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $595,000 | $198,000 | $515,000 | $118,000 | $153,000 |
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) | 2,315 | $1,055,305,000 | $455,000 | $68,625,000 | $164,000 | $4,826,000 |
| FHA-insured (Federal Housing Administration) | 286 | $62,670,000 | $219,000 | $365,000 | $70,000 | $470,000 |
| VA-guaranteed (Veterans Administration) | 165 | $50,985,000 | $309,000 | $705,000 | $93,000 | $273,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $7,565,000 | $184,000 | $415,000 | $55,000 | $102,000 |
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 | 2,310 | $1,025,500,000 | $443,000 | $68,625,000 | $151,000 | $4,826,000 |
| Application Withdrawn By Applicant | 404 | $128,520,000 | $318,000 | $6,565,000 | $138,000 | $1,877,000 |
| Application Denied By Financial Institution | 82 | $19,900,000 | $242,000 | $775,000 | $120,000 | $625,000 |
| Application Approved But Not Accepted | 11 | $2,605,000 | $236,000 | $615,000 | $142,000 | $320,000 |
| 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 | 2,725 | $1,156,625,000 | $424,000 | $68,625,000 | $149,000 | $4,826,000 |
| Debt-To-Income Ratio | 31 | $7,705,000 | $248,000 | $775,000 | $92,000 | $360,000 |
| Credit History | 23 | $4,855,000 | $211,000 | $505,000 | $98,000 | $166,000 |
| Collateral | 18 | $3,960,000 | $220,000 | $705,000 | $129,000 | $470,000 |
| Employment History | 7 | $2,235,000 | $319,000 | $535,000 | $85,000 | $160,000 |
| Unverifiable Information | 2 | $810,000 | $405,000 | $545,000 | $625,000 | $625,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $335,000 | $335,000 | $335,000 | $529,000 | $529,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First International Bank & Trust's 2021 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