First International Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, First International Bank & Trust of Minot, ND reported 932 mortgage applications totaling $152.8 million, up 18% from 2010. The average application was for $163,977, and applicants reported an average income of $97,893. 82% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Fargo, ND-MN (353), Phoenix-Mesa-Glendale, AZ (148) and Bismarck, ND (16) (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 | 932 |
| Total Mortgage Loan Application Amount | $152,827,000 |
| Average Mortgage Loan Application Amount | $163,977 |
| Highest Mortgage Loan Application Amount | $4,227,000 |
| Average Applicant Income | $97,893 |
| Highest Applicant Income | $2,304,000 |
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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2011
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 | 509 | $90,780,000 | $178,000 | $4,227,000 | $98,000 | $2,304,000 |
| Refinancing | 366 | $59,488,000 | $162,000 | $1,300,000 | $101,000 | $1,921,000 |
| Home Improvement | 57 | $2,559,000 | $44,000 | $202,000 | $77,000 | $260,000 |
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 | 842 | $127,286,000 | $151,000 | $1,440,000 | $103,000 | $2,304,000 |
| Not applicable | 49 | $18,872,000 | $385,000 | $4,227,000 | $0 | $0 |
| Not Provided | 13 | $1,450,000 | $111,000 | $169,000 | $86,000 | $174,000 |
| Hispanic | 9 | $1,239,000 | $137,000 | $408,000 | $52,000 | $107,000 |
| American Indian or Alaskan Native | 8 | $1,535,000 | $191,000 | $398,000 | $163,000 | $577,000 |
| Asian | 5 | $1,227,000 | $245,000 | $392,000 | $133,000 | $390,000 |
| Black or African American | 4 | $841,000 | $210,000 | $285,000 | $176,000 | $400,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $377,000 | $188,000 | $240,000 | $58,000 | $78,000 |
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) | 757 | $126,656,000 | $167,000 | $4,227,000 | $107,000 | $2,304,000 |
| FHA-insured (Federal Housing Administration) | 137 | $19,549,000 | $142,000 | $273,000 | $57,000 | $400,000 |
| VA-guaranteed (Veterans Administration) | 28 | $5,261,000 | $187,000 | $302,000 | $66,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,361,000 | $136,000 | $176,000 | $47,000 | $71,000 |
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 | 763 | $123,952,000 | $162,000 | $4,227,000 | $99,000 | $2,304,000 |
| Application Approved But Not Accepted | 62 | $10,515,000 | $169,000 | $1,440,000 | $87,000 | $519,000 |
| Application Denied By Financial Institution | 54 | $8,445,000 | $156,000 | $398,000 | $90,000 | $577,000 |
| Application Withdrawn By Applicant | 47 | $8,380,000 | $178,000 | $417,000 | $98,000 | $475,000 |
| File Closed For Incompleteness | 6 | $1,535,000 | $255,000 | $339,000 | $135,000 | $357,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 20 | $2,853,000 | $142,000 | $398,000 | $72,000 | $577,000 |
| Credit History | 13 | $1,965,000 | $151,000 | $249,000 | $109,000 | $242,000 |
| Collateral | 10 | $1,941,000 | $194,000 | $319,000 | $105,000 | $197,000 |
| Other | 6 | $1,003,000 | $167,000 | $210,000 | $92,000 | $161,000 |
| Employment History | 3 | $363,000 | $121,000 | $235,000 | $45,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $112,000 | $112,000 | $112,000 | $142,000 | $142,000 |
| Unverifiable Information | 1 | $208,000 | $208,000 | $208,000 | $142,000 | $142,000 |
| 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 2011 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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