First International Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, First International Bank & Trust of Minot, ND reported 1,791 mortgage applications totaling $544.8 million, up 13% from 2023. The average application was for $304,207, and applicants reported an average income of $169,035. 80% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Sioux Falls, SD (336), Fargo, ND-MN (302) and Bismarck, ND (190) (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 | 1,791 |
| Total Mortgage Loan Application Amount | $544,835,000 |
| Average Mortgage Loan Application Amount | $304,207 |
| Highest Mortgage Loan Application Amount | $20,005,000 |
| Average Applicant Income | $169,035 |
| Highest Applicant Income | $6,312,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 442 | $ 103,210,000 | $ 233,506 | $ 144,617 |
| Sioux Falls, SD | 336 | $ 89,910,000 | $ 267,589 | $ 129,755 |
| Fargo, ND-MN | 302 | $ 71,110,000 | $ 235,463 | $ 142,125 |
| Bismarck, ND | 190 | $ 55,530,000 | $ 292,263 | $ 182,000 |
| Minot, ND | 186 | $ 42,630,000 | $ 229,193 | $ 133,000 |
| Phoenix-Mesa-Scottsdale, AZ | 168 | $ 129,110,000 | $ 768,511 | $ 336,000 |
| Grand Forks, ND-MN | 76 | $ 18,530,000 | $ 243,815 | $ 121,605 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 19 | $ 7,275,000 | $ 382,894 | $ 210,000 |
| Rapid City, SD | 7 | $ 2,445,000 | $ 349,285 | $ 132,000 |
| Sioux City, IA-NE-SD | 6 | $ 1,990,000 | $ 331,666 | $ 131,500 |
| Billings, MT | 4 | $ 2,080,000 | $ 520,000 | $ 3,227,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 1,705,000 | $ 568,333 | $ 219,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 675,000 | $ 225,000 | $ 171,000 |
| St. Cloud, MN | 3 | $ 2,255,000 | $ 751,666 | $ 586,000 |
| Tucson, AZ | 3 | $ 1,405,000 | $ 468,333 | $ 201,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 810,000 | $ 405,000 | $ 239,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 520,000 | $ 260,000 | $ 111,000 |
| Des Moines-West Des Moines, IA | 2 | $ 700,000 | $ 350,000 | $ 106,000 |
| Duluth, MN-WI | 2 | $ 800,000 | $ 400,000 | $ 185,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 570,000 | $ 285,000 | $ 0 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 460,000 | $ 230,000 | $ 344,000 |
| Wausau, WI | 2 | $ 560,000 | $ 280,000 | $ 151,000 |
| Boston, MA | 1 | $ 455,000 | $ 455,000 | $ 732,000 |
| Bozeman, MT | 1 | $ 525,000 | $ 525,000 | $ 152,000 |
| Casper, WY | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 225,000 | $ 225,000 | $ 180,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 445,000 | $ 445,000 | $ 165,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 765,000 | $ 765,000 | $ 553,000 |
| Flagstaff, AZ | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 75,000 | $ 75,000 | $ 69,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 375,000 | $ 375,000 | $ 261,000 |
| Kansas City, MO-KS | 1 | $ 155,000 | $ 155,000 | $ 115,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 475,000 | $ 475,000 | $ 357,000 |
| Lincoln, NE | 1 | $ 235,000 | $ 235,000 | $ 113,000 |
| Logan, UT-ID | 1 | $ 305,000 | $ 305,000 | $ 360,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Mankato-North Mankato, MN | 1 | $ 315,000 | $ 315,000 | $ 120,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 665,000 | $ 665,000 | $ 163,000 |
| Montgomery, AL | 1 | $ 145,000 | $ 145,000 | $ 44,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 425,000 | $ 425,000 | $ 113,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 145,000 | $ 145,000 | $ 37,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 305,000 | $ 305,000 | $ 214,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 505,000 | $ 505,000 | $ 170,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Rochester, MN | 1 | $ 535,000 | $ 535,000 | $ 370,000 |
| Salt Lake City, UT | 1 | $ 175,000 | $ 175,000 | $ 631,000 |
| Spokane-Spokane Valley, WA | 1 | $ 105,000 | $ 105,000 | $ 243,000 |
| Tallahassee, FL | 1 | $ 305,000 | $ 305,000 | $ 232,000 |
| Twin Falls, ID | 1 | $ 465,000 | $ 465,000 | $ 220,000 |
| Washington, DC-MD | 1 | $ 585,000 | $ 585,000 | $ 132,000 |
| Wichita, KS | 1 | $ 615,000 | $ 615,000 | $ 350,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2024
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 | 1,171 | $404,395,000 | $345,000 | $20,005,000 | $166,000 | $6,312,000 |
| Home Improvement | 186 | $28,180,000 | $151,000 | $2,135,000 | $182,000 | $3,396,000 |
| Other Purpose | 178 | $24,610,000 | $138,000 | $1,405,000 | $170,000 | $1,878,000 |
| Refinancing | 148 | $42,670,000 | $288,000 | $5,255,000 | $180,000 | $3,085,000 |
| Cash-out Refinancing | 108 | $44,980,000 | $416,000 | $10,005,000 | $163,000 | $902,000 |
| 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 | 1,442 | $398,360,000 | $276,000 | $7,725,000 | $163,000 | $3,396,000 |
| Not Provided | 145 | $53,365,000 | $368,000 | $5,255,000 | $255,000 | $6,312,000 |
| Not applicable | 92 | $64,500,000 | $701,000 | $20,005,000 | $0 | $0 |
| Hispanic | 53 | $12,595,000 | $237,000 | $645,000 | $122,000 | $450,000 |
| Black or African American | 23 | $5,915,000 | $257,000 | $535,000 | $120,000 | $401,000 |
| Asian | 19 | $5,505,000 | $289,000 | $805,000 | $169,000 | $572,000 |
| American Indian or Alaskan Native | 16 | $4,300,000 | $268,000 | $585,000 | $127,000 | $320,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $295,000 | $295,000 | $295,000 | $99,000 | $99,000 |
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) | 1,493 | $459,345,000 | $307,000 | $20,005,000 | $185,000 | $6,312,000 |
| FHA-insured (Federal Housing Administration) | 210 | $58,540,000 | $278,000 | $595,000 | $97,000 | $452,000 |
| VA-guaranteed (Veterans Administration) | 79 | $25,395,000 | $321,000 | $765,000 | $98,000 | $259,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,555,000 | $172,000 | $275,000 | $75,000 | $107,000 |
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 | 1,437 | $415,235,000 | $288,000 | $7,725,000 | $173,000 | $6,312,000 |
| Application Withdrawn By Applicant | 207 | $64,915,000 | $313,000 | $2,135,000 | $170,000 | $3,396,000 |
| Application Denied By Financial Institution | 118 | $24,930,000 | $211,000 | $2,255,000 | $104,000 | $320,000 |
| File Closed For Incompleteness | 17 | $3,325,000 | $195,000 | $395,000 | $259,000 | $880,000 |
| Application Approved But Not Accepted | 12 | $36,430,000 | $3,035,000 | $20,005,000 | $313,000 | $1,199,000 |
| 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 | 1,673 | $519,905,000 | $310,000 | $20,005,000 | $174,000 | $6,312,000 |
| Debt-To-Income Ratio | 50 | $13,870,000 | $277,000 | $2,255,000 | $115,000 | $274,000 |
| Credit History | 45 | $6,535,000 | $145,000 | $535,000 | $99,000 | $320,000 |
| Collateral | 13 | $1,855,000 | $142,000 | $375,000 | $116,000 | $255,000 |
| Employment History | 5 | $2,145,000 | $429,000 | $755,000 | $41,000 | $117,000 |
| Other | 3 | $155,000 | $51,000 | $55,000 | $76,000 | $94,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $370,000 | $185,000 | $235,000 | $84,000 | $113,000 |
| 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 2024 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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