Kirkwood Bank & Trust Co. Mortgage Lending & HMDA Data, 2023
In 2023, Kirkwood Bank & Trust Co. of Bismarck, ND reported 125 mortgage applications totaling $28.9 million, down 35% from 2022. The average application was for $231,160, and applicants reported an average income of $147,496. 80% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Bismarck, ND (95), Billings, MT (2) and Phoenix-Mesa-Scottsdale, AZ (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 | 125 |
| Total Mortgage Loan Application Amount | $28,895,000 |
| Average Mortgage Loan Application Amount | $231,160 |
| Highest Mortgage Loan Application Amount | $2,515,000 |
| Average Applicant Income | $147,496 |
| Highest Applicant Income | $2,474,000 |
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records Kirkwood Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 73 | $ 14,395,000 | $ 197,191 | $ 111,000 |
| Morton, North Dakota | 22 | $ 5,410,000 | $ 245,909 | $ 107,000 |
| McLean, North Dakota | 6 | $ 880,000 | $ 146,666 | $ 190,000 |
| Mercer, North Dakota | 5 | $ 785,000 | $ 157,000 | $ 136,000 |
| Stark, North Dakota | 3 | $ 525,000 | $ 175,000 | $ 71,000 |
| Maricopa, Arizona | 2 | $ 530,000 | $ 265,000 | $ 100,000 |
| Yellowstone, Montana | 2 | $ 1,450,000 | $ 725,000 | $ 292,000 |
| Kidder, North Dakota | 2 | $ 130,000 | $ 65,000 | $ 134,000 |
| Mohave, Arizona | 1 | $ 705,000 | $ 705,000 | $ 210,000 |
| Becker, Minnesota | 1 | $ 2,515,000 | $ 2,515,000 | $ 2,474,000 |
| Hill, Montana | 1 | $ 265,000 | $ 265,000 | $ 121,000 |
| Grand Forks, North Dakota | 1 | $ 125,000 | $ 125,000 | $ 683,000 |
| McHenry, North Dakota | 1 | $ 205,000 | $ 205,000 | $ 85,000 |
| Pierce, North Dakota | 1 | $ 245,000 | $ 245,000 | $ 508,000 |
| Rolette, North Dakota | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Sheridan, North Dakota | 1 | $ 35,000 | $ 35,000 | $ 51,000 |
| Fall River, South Dakota | 1 | $ 415,000 | $ 415,000 | $ 142,000 |
| Smith, Texas | 1 | $ 205,000 | $ 205,000 | $ 249,000 |
Mortgage Loan Application Detail Totals for Kirkwood Bank & Trust Co. in 2023
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 | 76 | $22,620,000 | $297,000 | $2,515,000 | $154,000 | $2,474,000 |
| Refinancing | 28 | $4,460,000 | $159,000 | $545,000 | $166,000 | $683,000 |
| Other Purpose | 11 | $785,000 | $71,000 | $195,000 | $87,000 | $150,000 |
| Home Improvement | 7 | $505,000 | $72,000 | $105,000 | $126,000 | $195,000 |
| Cash-out Refinancing | 3 | $525,000 | $175,000 | $325,000 | $82,000 | $159,000 |
| 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 | 108 | $24,500,000 | $226,000 | $2,515,000 | $141,000 | $2,474,000 |
| Not applicable | 7 | $2,025,000 | $289,000 | $545,000 | $0 | $0 |
| Not Provided | 4 | $690,000 | $172,000 | $265,000 | $97,000 | $151,000 |
| Black or African American | 3 | $635,000 | $211,000 | $335,000 | $96,000 | $116,000 |
| Hispanic | 2 | $810,000 | $405,000 | $725,000 | $728,000 | $742,000 |
| American Indian or Alaskan Native | 1 | $235,000 | $235,000 | $235,000 | $57,000 | $57,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 111 | $25,265,000 | $227,000 | $2,515,000 | $154,000 | $2,474,000 |
| FHA-insured (Federal Housing Administration) | 10 | $2,570,000 | $257,000 | $345,000 | $89,000 | $124,000 |
| VA-guaranteed (Veterans Administration) | 3 | $985,000 | $328,000 | $425,000 | $152,000 | $229,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $75,000 | $75,000 | $75,000 | $37,000 | $37,000 |
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 | 100 | $22,970,000 | $229,000 | $2,515,000 | $158,000 | $2,474,000 |
| Application Withdrawn By Applicant | 14 | $4,030,000 | $287,000 | $725,000 | $100,000 | $292,000 |
| Application Approved But Not Accepted | 7 | $1,485,000 | $212,000 | $305,000 | $136,000 | $261,000 |
| Application Denied By Financial Institution | 4 | $410,000 | $102,000 | $305,000 | $83,000 | $169,000 |
| 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 | 125 | $28,895,000 | $231,000 | $2,515,000 | $148,000 | $2,474,000 |
| 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 2023 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