Kirkwood Bank & Trust Co. Mortgage Lending & HMDA Data, 2020
In 2020, Kirkwood Bank & Trust Co. of Bismarck, ND reported 428 mortgage applications totaling $105.9 million, up 115% from 2019. The average application was for $247,313, and applicants reported an average income of $141,366. 90% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Bismarck, ND (309), Phoenix-Mesa-Scottsdale, AZ (12) and Fargo, ND-MN (6) (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 | 428 |
| Total Mortgage Loan Application Amount | $105,850,000 |
| Average Mortgage Loan Application Amount | $247,313 |
| Highest Mortgage Loan Application Amount | $885,000 |
| Average Applicant Income | $141,366 |
| Highest Applicant Income | $1,984,000 |
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records Kirkwood Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 237 | $ 59,825,000 | $ 252,426 | $ 149,000 |
| Morton, North Dakota | 70 | $ 16,330,000 | $ 233,285 | $ 121,000 |
| Stark, North Dakota | 35 | $ 9,295,000 | $ 265,571 | $ 143,000 |
| Ward, North Dakota | 18 | $ 4,060,000 | $ 225,555 | $ 90,000 |
| Maricopa, Arizona | 8 | $ 3,430,000 | $ 428,750 | $ 329,000 |
| McLean, North Dakota | 8 | $ 990,000 | $ 123,750 | $ 83,000 |
| Cass, North Dakota | 6 | $ 1,430,000 | $ 238,333 | $ 127,000 |
| Pinal, Arizona | 4 | $ 890,000 | $ 222,500 | $ 89,000 |
| Hennepin, Minnesota | 4 | $ 730,000 | $ 182,500 | $ 73,000 |
| Grand Forks, North Dakota | 3 | $ 595,000 | $ 198,333 | $ 73,000 |
| Mohave, Arizona | 2 | $ 460,000 | $ 230,000 | $ 367,000 |
| Emmons, North Dakota | 2 | $ 500,000 | $ 250,000 | $ 291,000 |
| McHenry, North Dakota | 2 | $ 610,000 | $ 305,000 | $ 215,000 |
| Mercer, North Dakota | 2 | $ 310,000 | $ 155,000 | $ 110,000 |
| Oliver, North Dakota | 2 | $ 560,000 | $ 280,000 | $ 115,000 |
| Ramsey, North Dakota | 2 | $ 480,000 | $ 240,000 | $ 119,000 |
| Campbell, South Dakota | 2 | $ 190,000 | $ 95,000 | $ 106,000 |
| Spokane, Washington | 2 | $ 620,000 | $ 310,000 | $ 91,000 |
| Juneau, Alaska | 1 | $ 185,000 | $ 185,000 | $ 102,000 |
| Douglas, Colorado | 1 | $ 495,000 | $ 495,000 | $ 208,000 |
| Polk, Iowa | 1 | $ 235,000 | $ 235,000 | $ 179,000 |
| Becker, Minnesota | 1 | $ 385,000 | $ 385,000 | $ 167,000 |
| Hubbard, Minnesota | 1 | $ 215,000 | $ 215,000 | $ 105,000 |
| Otter Tail, Minnesota | 1 | $ 305,000 | $ 305,000 | $ 97,000 |
| Pennington, Minnesota | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Washington, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 61,000 |
| Stone, Missouri | 1 | $ 255,000 | $ 255,000 | $ 179,000 |
| Hill, Montana | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Yellowstone, Montana | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Benson, North Dakota | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Kidder, North Dakota | 1 | $ 195,000 | $ 195,000 | $ 466,000 |
| Renville, North Dakota | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Richland, North Dakota | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Washington, Oregon | 1 | $ 305,000 | $ 305,000 | $ 137,000 |
| Lake, South Dakota | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| Washington, Utah | 1 | $ 405,000 | $ 405,000 | $ 167,000 |
| Clark, Washington | 1 | $ 195,000 | $ 195,000 | $ 164,000 |
Mortgage Loan Application Detail Totals for Kirkwood Bank & Trust Co. in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 202 | $47,190,000 | $233,000 | $795,000 | $139,000 | $578,000 |
| Home Purchase | 129 | $33,635,000 | $260,000 | $885,000 | $127,000 | $1,984,000 |
| Cash-out Refinancing | 92 | $24,560,000 | $266,000 | $525,000 | $168,000 | $800,000 |
| Other Purpose | 3 | $265,000 | $88,000 | $165,000 | $102,000 | $154,000 |
| Home Improvement | 2 | $200,000 | $100,000 | $155,000 | $141,000 | $143,000 |
| 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 | 383 | $95,185,000 | $248,000 | $885,000 | $142,000 | $1,984,000 |
| Not Provided | 17 | $4,335,000 | $255,000 | $435,000 | $155,000 | $800,000 |
| Not applicable | 8 | $1,540,000 | $192,000 | $485,000 | $0 | $0 |
| Black or African American | 7 | $1,535,000 | $219,000 | $385,000 | $58,000 | $93,000 |
| American Indian or Alaskan Native | 6 | $1,510,000 | $251,000 | $525,000 | $165,000 | $484,000 |
| Asian | 3 | $645,000 | $215,000 | $315,000 | $143,000 | $295,000 |
| Hispanic | 3 | $695,000 | $231,000 | $255,000 | $149,000 | $179,000 |
| 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) | 346 | $83,180,000 | $240,000 | $885,000 | $149,000 | $1,984,000 |
| VA-guaranteed (Veterans Administration) | 54 | $17,130,000 | $317,000 | $645,000 | $121,000 | $339,000 |
| FHA-insured (Federal Housing Administration) | 22 | $4,440,000 | $201,000 | $275,000 | $71,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,100,000 | $183,000 | $235,000 | $78,000 | $97,000 |
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 | 386 | $95,040,000 | $246,000 | $795,000 | $142,000 | $1,984,000 |
| Application Withdrawn By Applicant | 26 | $7,420,000 | $285,000 | $885,000 | $144,000 | $452,000 |
| Application Denied By Financial Institution | 10 | $2,030,000 | $203,000 | $515,000 | $77,000 | $120,000 |
| Application Approved But Not Accepted | 6 | $1,360,000 | $226,000 | $405,000 | $237,000 | $400,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 428 | $105,850,000 | $247,000 | $885,000 | $142,000 | $1,984,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kirkwood Bank & Trust Co.'s 2020 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About