First International Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, First International Bank & Trust of Minot, ND reported 2,321 mortgage applications totaling $856.0 million, down 17% from 2021. The average application was for $368,817, and applicants reported an average income of $198,352. 82% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Fargo, ND-MN (429), Phoenix-Mesa-Scottsdale, AZ (343) and Sioux Falls, SD (335) (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 | 2,321 |
| Total Mortgage Loan Application Amount | $856,025,000 |
| Average Mortgage Loan Application Amount | $368,817 |
| Highest Mortgage Loan Application Amount | $29,165,000 |
| Average Applicant Income | $198,352 |
| Highest Applicant Income | $4,986,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 744 | $ 186,750,000 | $ 251,008 | $ 143,845 |
| Fargo, ND-MN | 429 | $ 119,595,000 | $ 278,776 | $ 183,620 |
| Phoenix-Mesa-Scottsdale, AZ | 343 | $ 277,635,000 | $ 809,431 | $ 403,000 |
| Sioux Falls, SD | 335 | $ 112,095,000 | $ 334,611 | $ 117,000 |
| Bismarck, ND | 253 | $ 74,235,000 | $ 293,418 | $ 182,000 |
| Grand Forks, ND-MN | 76 | $ 18,120,000 | $ 238,421 | $ 144,210 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 34 | $ 15,710,000 | $ 462,058 | $ 300,000 |
| Prescott Valley-Prescott, AZ | 9 | $ 2,945,000 | $ 327,222 | $ 181,000 |
| Rapid City, SD | 7 | $ 1,895,000 | $ 270,714 | $ 84,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 7,630,000 | $ 1,271,666 | $ 513,000 |
| Sioux City, IA-NE-SD | 5 | $ 795,000 | $ 159,000 | $ 90,800 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 10,285,000 | $ 2,057,000 | $ 849,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 1,320,000 | $ 330,000 | $ 514,000 |
| St. Cloud, MN | 4 | $ 1,120,000 | $ 280,000 | $ 770,000 |
| Cedar Rapids, IA | 3 | $ 525,000 | $ 175,000 | $ 92,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 735,000 | $ 245,000 | $ 122,000 |
| Flagstaff, AZ | 3 | $ 1,455,000 | $ 485,000 | $ 152,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 1,075,000 | $ 358,333 | $ 127,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 975,000 | $ 325,000 | $ 165,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 625,000 | $ 208,333 | $ 61,333 |
| Spokane-Spokane Valley, WA | 3 | $ 2,365,000 | $ 788,333 | $ 1,898,000 |
| Tucson, AZ | 3 | $ 1,985,000 | $ 661,666 | $ 782,000 |
| Wichita, KS | 3 | $ 675,000 | $ 225,000 | $ 55,000 |
| Chicago-Naperville, IL | 2 | $ 240,000 | $ 120,000 | $ 71,000 |
| Des Moines-West Des Moines, IA | 2 | $ 430,000 | $ 215,000 | $ 47,000 |
| Fort Worth-Arlington, TX | 2 | $ 1,040,000 | $ 520,000 | $ 125,000 |
| Kansas City, MO-KS | 2 | $ 400,000 | $ 200,000 | $ 29,000 |
| Rochester, MN | 2 | $ 830,000 | $ 415,000 | $ 289,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 230,000 | $ 115,000 | $ 59,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 475,000 | $ 475,000 | $ 168,000 |
| Billings, MT | 1 | $ 365,000 | $ 365,000 | $ 145,000 |
| Brownsville-Harlingen, TX | 1 | $ 105,000 | $ 105,000 | $ 149,000 |
| Charleston-North Charleston, SC | 1 | $ 375,000 | $ 375,000 | $ 178,000 |
| Charlottesville, VA | 1 | $ 395,000 | $ 395,000 | $ 95,000 |
| Chattanooga, TN-GA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Cincinnati, OH-KY-IN | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Dallas-Plano-Irving, TX | 1 | $ 645,000 | $ 645,000 | $ 369,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 445,000 | $ 445,000 | $ 136,000 |
| Elgin, IL | 1 | $ 555,000 | $ 555,000 | $ 191,000 |
| Fort Collins, CO | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Great Falls, MT | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Johnson City, TN | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| Lakeland-Winter Haven, FL | 1 | $ 425,000 | $ 425,000 | $ 479,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 175,000 | $ 175,000 | $ 349,000 |
| Madison, WI | 1 | $ 215,000 | $ 215,000 | $ 67,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 1,855,000 | $ 1,855,000 | $ 862,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 1,025,000 | $ 1,025,000 | $ 285,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 395,000 | $ 395,000 | $ 201,000 |
| Punta Gorda, FL | 1 | $ 395,000 | $ 395,000 | $ 570,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 945,000 | $ 945,000 | $ 0 |
| Roanoke, VA | 1 | $ 375,000 | $ 375,000 | $ 268,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 305,000 | $ 305,000 | $ 54,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 85,000 | $ 85,000 | $ 89,000 |
| Spartanburg, SC | 1 | $ 215,000 | $ 215,000 | $ 126,000 |
| St. George, UT | 1 | $ 835,000 | $ 835,000 | $ 1,645,000 |
| Toledo, OH | 1 | $ 275,000 | $ 275,000 | $ 97,000 |
| Tulsa, OK | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2022
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 | 1,434 | $639,260,000 | $445,000 | $29,165,000 | $197,000 | $4,693,000 |
| Home Improvement | 301 | $44,525,000 | $147,000 | $1,385,000 | $202,000 | $4,986,000 |
| Other Purpose | 218 | $42,650,000 | $195,000 | $8,005,000 | $218,000 | $4,251,000 |
| Refinancing | 184 | $66,350,000 | $360,000 | $7,005,000 | $194,000 | $1,872,000 |
| Cash-out Refinancing | 184 | $63,240,000 | $343,000 | $3,005,000 | $184,000 | $3,661,000 |
| 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 | 1,716 | $543,190,000 | $316,000 | $8,225,000 | $185,000 | $4,986,000 |
| Not Provided | 337 | $168,845,000 | $501,000 | $7,725,000 | $293,000 | $3,661,000 |
| Not applicable | 145 | $113,815,000 | $784,000 | $29,165,000 | $84,000 | $132,000 |
| Hispanic | 54 | $13,120,000 | $242,000 | $625,000 | $130,000 | $571,000 |
| Black or African American | 31 | $6,775,000 | $218,000 | $505,000 | $105,000 | $338,000 |
| Asian | 24 | $6,940,000 | $289,000 | $645,000 | $166,000 | $1,107,000 |
| American Indian or Alaskan Native | 12 | $2,510,000 | $209,000 | $425,000 | $141,000 | $426,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $830,000 | $415,000 | $495,000 | $76,000 | $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) | 2,035 | $783,015,000 | $384,000 | $29,165,000 | $217,000 | $4,986,000 |
| FHA-insured (Federal Housing Administration) | 165 | $37,965,000 | $230,000 | $475,000 | $76,000 | $234,000 |
| VA-guaranteed (Veterans Administration) | 95 | $29,115,000 | $306,000 | $815,000 | $94,000 | $250,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $5,930,000 | $228,000 | $505,000 | $72,000 | $135,000 |
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 | 1,904 | $709,310,000 | $372,000 | $29,165,000 | $200,000 | $4,693,000 |
| Application Withdrawn By Applicant | 256 | $116,330,000 | $454,000 | $8,125,000 | $223,000 | $4,986,000 |
| Application Denied By Financial Institution | 125 | $22,005,000 | $176,000 | $2,405,000 | $122,000 | $3,964,000 |
| Application Approved But Not Accepted | 26 | $7,160,000 | $275,000 | $1,865,000 | $267,000 | $1,749,000 |
| File Closed For Incompleteness | 10 | $1,220,000 | $122,000 | $495,000 | $132,000 | $511,000 |
| 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 | 2,196 | $834,020,000 | $379,000 | $29,165,000 | $203,000 | $4,986,000 |
| Debt-To-Income Ratio | 61 | $9,375,000 | $153,000 | $925,000 | $81,000 | $263,000 |
| Credit History | 37 | $6,315,000 | $170,000 | $1,355,000 | $197,000 | $3,964,000 |
| Collateral | 10 | $1,370,000 | $137,000 | $305,000 | $141,000 | $389,000 |
| Other | 6 | $1,130,000 | $188,000 | $285,000 | $85,000 | $124,000 |
| Employment History | 5 | $585,000 | $117,000 | $245,000 | $54,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $2,705,000 | $901,000 | $2,405,000 | $184,000 | $446,000 |
| Unverifiable Information | 3 | $525,000 | $175,000 | $215,000 | $81,000 | $170,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First International Bank & Trust's 2022 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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