Kirkwood Bank & Trust Co. Mortgage Lending & HMDA Data, 2012
In 2012, Kirkwood Bank & Trust Co. of Bismarck, ND reported 311 mortgage applications totaling $49.9 million, up 28% from 2011. The average application was for $160,508, and applicants reported an average income of $101,225. 86% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Bismarck, ND (204), Tucson, AZ (3) and Fargo, ND-MN (2) (applications in parentheses).
| Mortgage Company & Address | Kirkwood Bank & Trust Co. 2911 N 14th Street Bismarck, ND 58503 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 | 311 |
| Total Mortgage Loan Application Amount | $49,918,000 |
| Average Mortgage Loan Application Amount | $160,508 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $101,225 |
| Highest Applicant Income | $1,614,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Kirkwood Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Burleigh, North Dakota | 157 | $ 24,674,000 | $ 157,159 | $ 94,000 |
| Ward, North Dakota | 49 | $ 9,238,000 | $ 188,530 | $ 80,000 |
| Morton, North Dakota | 47 | $ 6,477,000 | $ 137,808 | $ 89,000 |
| Stark, North Dakota | 27 | $ 3,543,000 | $ 131,222 | $ 118,000 |
| McLean, North Dakota | 6 | $ 662,000 | $ 110,333 | $ 76,000 |
| Pima, Arizona | 3 | $ 963,000 | $ 321,000 | $ 160,000 |
| Collier, Florida | 2 | $ 380,000 | $ 190,000 | $ 240,000 |
| Bottineau, North Dakota | 2 | $ 347,000 | $ 173,500 | $ 97,000 |
| Cass, North Dakota | 2 | $ 239,000 | $ 119,500 | $ 80,000 |
| Grand Forks, North Dakota | 2 | $ 419,000 | $ 209,500 | $ 156,000 |
| Hettinger, North Dakota | 2 | $ 359,000 | $ 179,500 | $ 841,000 |
| Kidder, North Dakota | 2 | $ 163,000 | $ 81,500 | $ 154,000 |
| Larimer, Colorado | 1 | $ 241,000 | $ 241,000 | $ 58,000 |
| Otter Tail, Minnesota | 1 | $ 415,000 | $ 415,000 | $ 93,000 |
| Grant, North Dakota | 1 | $ 332,000 | $ 332,000 | $ 296,000 |
| Mercer, North Dakota | 1 | $ 267,000 | $ 267,000 | $ 108,000 |
| Mountrail, North Dakota | 1 | $ 210,000 | $ 210,000 | $ 90,000 |
| Ramsey, North Dakota | 1 | $ 203,000 | $ 203,000 | $ 144,000 |
| Renville, North Dakota | 1 | $ 206,000 | $ 206,000 | $ 95,000 |
| Williams, North Dakota | 1 | $ 216,000 | $ 216,000 | $ 122,000 |
| Lawrence, South Dakota | 1 | $ 204,000 | $ 204,000 | $ 298,000 |
| Harris, Texas | 1 | $ 160,000 | $ 160,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Kirkwood Bank & Trust Co. in 2012
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 | 180 | $31,143,000 | $173,000 | $417,000 | $110,000 | $1,614,000 |
| Refinancing | 125 | $18,310,000 | $146,000 | $398,000 | $91,000 | $325,000 |
| Home Improvement | 6 | $465,000 | $77,000 | $126,000 | $51,000 | $100,000 |
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 | 301 | $48,654,000 | $161,000 | $417,000 | $102,000 | $1,614,000 |
| Not applicable | 3 | $292,000 | $97,000 | $135,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $339,000 | $169,000 | $204,000 | $83,000 | $139,000 |
| Asian | 2 | $267,000 | $133,000 | $160,000 | $220,000 | $386,000 |
| Hispanic | 2 | $236,000 | $118,000 | $186,000 | $75,000 | $81,000 |
| Black or African American | 1 | $130,000 | $130,000 | $130,000 | $77,000 | $77,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 261 | $40,082,000 | $153,000 | $417,000 | $108,000 | $1,614,000 |
| FHA-insured (Federal Housing Administration) | 27 | $4,565,000 | $169,000 | $265,000 | $57,000 | $114,000 |
| VA-guaranteed (Veterans Administration) | 19 | $4,529,000 | $238,000 | $415,000 | $71,000 | $233,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $742,000 | $185,000 | $281,000 | $57,000 | $89,000 |
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 | 267 | $41,862,000 | $156,000 | $417,000 | $98,000 | $1,614,000 |
| Application Withdrawn By Applicant | 28 | $5,733,000 | $204,000 | $384,000 | $123,000 | $386,000 |
| Application Denied By Financial Institution | 13 | $1,551,000 | $119,000 | $190,000 | $93,000 | $300,000 |
| Application Approved But Not Accepted | 2 | $374,000 | $187,000 | $234,000 | $251,000 | $445,000 |
| File Closed For Incompleteness | 1 | $398,000 | $398,000 | $398,000 | $120,000 | $120,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kirkwood Bank & Trust Co.'s 2012 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 Kirkwood Bank & Trust Co.'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.
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