Kirkwood Bank & Trust Co. Mortgage Lending & HMDA Data, 2021
In 2021, Kirkwood Bank & Trust Co. of Bismarck, ND reported 365 mortgage applications totaling $91.3 million, down 15% from 2020. The average application was for $250,123, and applicants reported an average income of $146,980. 87% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Bismarck, ND (250), Fargo, ND-MN (5) and Minneapolis-St. Paul-Bloomington, MN-WI (3) (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 | 365 |
| Total Mortgage Loan Application Amount | $91,295,000 |
| Average Mortgage Loan Application Amount | $250,123 |
| Highest Mortgage Loan Application Amount | $945,000 |
| Average Applicant Income | $146,980 |
| Highest Applicant Income | $3,059,000 |
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records Kirkwood Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 212 | $ 55,400,000 | $ 261,320 | $ 153,000 |
| Morton, North Dakota | 37 | $ 8,945,000 | $ 241,756 | $ 129,000 |
| Stark, North Dakota | 31 | $ 7,075,000 | $ 228,225 | $ 105,000 |
| Ward, North Dakota | 16 | $ 3,500,000 | $ 218,750 | $ 118,000 |
| McLean, North Dakota | 9 | $ 1,815,000 | $ 201,666 | $ 122,000 |
| Mercer, North Dakota | 8 | $ 1,660,000 | $ 207,500 | $ 176,000 |
| Cass, North Dakota | 4 | $ 1,100,000 | $ 275,000 | $ 86,000 |
| Williams, North Dakota | 4 | $ 1,240,000 | $ 310,000 | $ 100,000 |
| Dunn, North Dakota | 3 | $ 775,000 | $ 258,333 | $ 109,000 |
| McKenzie, North Dakota | 3 | $ 715,000 | $ 238,333 | $ 107,000 |
| Billings, North Dakota | 2 | $ 750,000 | $ 375,000 | $ 1,587,000 |
| Golden Valley, North Dakota | 2 | $ 230,000 | $ 115,000 | $ 87,000 |
| Grand Forks, North Dakota | 2 | $ 870,000 | $ 435,000 | $ 167,000 |
| Dallas, Texas | 2 | $ 450,000 | $ 225,000 | $ 115,000 |
| Spokane, Washington | 2 | $ 780,000 | $ 390,000 | $ 86,000 |
| Matanuska-Susitna, Alaska | 1 | $ 255,000 | $ 255,000 | $ 229,000 |
| Maricopa, Arizona | 1 | $ 525,000 | $ 525,000 | $ 123,000 |
| Mohave, Arizona | 1 | $ 135,000 | $ 135,000 | $ 206,000 |
| Pima, Arizona | 1 | $ 315,000 | $ 315,000 | $ 116,000 |
| Pinal, Arizona | 1 | $ 295,000 | $ 295,000 | $ 67,000 |
| Clay, Minnesota | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Dakota, Minnesota | 1 | $ 495,000 | $ 495,000 | $ 152,000 |
| Hennepin, Minnesota | 1 | $ 215,000 | $ 215,000 | $ 130,000 |
| Ramsey, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 36,000 |
| St. Louis, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Howard, Missouri | 1 | $ 195,000 | $ 195,000 | $ 57,000 |
| Jackson, Missouri | 1 | $ 545,000 | $ 545,000 | $ 354,000 |
| Fallon, Montana | 1 | $ 175,000 | $ 175,000 | $ 69,000 |
| Bottineau, North Dakota | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Emmons, North Dakota | 1 | $ 95,000 | $ 95,000 | $ 126,000 |
| Kidder, North Dakota | 1 | $ 185,000 | $ 185,000 | $ 115,000 |
| McHenry, North Dakota | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| McIntosh, North Dakota | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| Mountrail, North Dakota | 1 | $ 215,000 | $ 215,000 | $ 97,000 |
| Oliver, North Dakota | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Ransom, North Dakota | 1 | $ 305,000 | $ 305,000 | $ 107,000 |
| Wells, North Dakota | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
| Campbell, South Dakota | 1 | $ 125,000 | $ 125,000 | $ 136,000 |
| Minnehaha, South Dakota | 1 | $ 105,000 | $ 105,000 | $ 125,000 |
| Walworth, South Dakota | 1 | $ 205,000 | $ 205,000 | $ 133,000 |
| Columbia, Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 129,000 |
| Dane, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 105,000 |
| Monroe, Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
Mortgage Loan Application Detail Totals for Kirkwood Bank & Trust Co. in 2021
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 | 154 | $41,800,000 | $271,000 | $945,000 | $148,000 | $3,059,000 |
| Refinancing | 114 | $26,530,000 | $232,000 | $515,000 | $146,000 | $1,984,000 |
| Cash-out Refinancing | 88 | $21,930,000 | $249,000 | $545,000 | $143,000 | $1,283,000 |
| Home Improvement | 5 | $575,000 | $115,000 | $205,000 | $184,000 | $564,000 |
| Other Purpose | 4 | $460,000 | $115,000 | $265,000 | $177,000 | $302,000 |
| 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 | 324 | $80,760,000 | $249,000 | $945,000 | $148,000 | $3,059,000 |
| Not Provided | 21 | $5,615,000 | $267,000 | $525,000 | $150,000 | $711,000 |
| Not applicable | 5 | $1,355,000 | $271,000 | $495,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $815,000 | $163,000 | $205,000 | $52,000 | $60,000 |
| Hispanic | 5 | $1,435,000 | $287,000 | $425,000 | $227,000 | $650,000 |
| Black or African American | 3 | $935,000 | $311,000 | $395,000 | $86,000 | $88,000 |
| Asian | 2 | $380,000 | $190,000 | $215,000 | $93,000 | $130,000 |
| 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) | 304 | $75,840,000 | $249,000 | $945,000 | $156,000 | $3,059,000 |
| VA-guaranteed (Veterans Administration) | 33 | $9,655,000 | $292,000 | $515,000 | $120,000 | $279,000 |
| FHA-insured (Federal Housing Administration) | 22 | $4,610,000 | $209,000 | $335,000 | $66,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,190,000 | $198,000 | $375,000 | $64,000 | $90,000 |
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 | 319 | $77,755,000 | $243,000 | $945,000 | $148,000 | $3,059,000 |
| Application Withdrawn By Applicant | 39 | $11,795,000 | $302,000 | $545,000 | $144,000 | $711,000 |
| Application Approved But Not Accepted | 4 | $1,170,000 | $292,000 | $505,000 | $89,000 | $121,000 |
| Application Denied By Financial Institution | 3 | $575,000 | $191,000 | $295,000 | $138,000 | $190,000 |
| 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 | 365 | $91,295,000 | $250,000 | $945,000 | $147,000 | $3,059,000 |
| 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 2021 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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