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First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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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