Kirkwood Bank & Trust Co. Mortgage Lending & HMDA Data, 2007
In 2007, Kirkwood Bank & Trust Co. of Bismarck, ND reported 200 mortgage applications totaling $23.1 million, up 6% from 2006. The average application was for $115,475, and applicants reported an average income of $68,895. 86% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Bismarck, ND (97), Grand Forks, ND-MN (3) 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 | 200 |
| Total Mortgage Loan Application Amount | $23,095,000 |
| Average Mortgage Loan Application Amount | $115,475 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $68,895 |
| Highest Applicant Income | $371,000 |
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records Kirkwood Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Kirkwood Bank & Trust Co. in 2007
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 | 127 | $13,974,000 | $110,000 | $400,000 | $61,000 | $298,000 |
| Refinancing | 61 | $7,963,000 | $130,000 | $396,000 | $80,000 | $371,000 |
| Home Improvement | 12 | $1,158,000 | $96,000 | $400,000 | $96,000 | $196,000 |
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 | 187 | $21,784,000 | $116,000 | $400,000 | $70,000 | $340,000 |
| Not applicable | 6 | $603,000 | $100,000 | $268,000 | $0 | $0 |
| Black or African American | 4 | $596,000 | $149,000 | $254,000 | $139,000 | $371,000 |
| Hispanic | 1 | $52,000 | $52,000 | $52,000 | $47,000 | $47,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $47,000 | $47,000 |
| Not Provided | 1 | $35,000 | $35,000 | $35,000 | $13,000 | $13,000 |
| 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) | 157 | $18,336,000 | $116,000 | $400,000 | $73,000 | $371,000 |
| FHA-insured (Federal Housing Administration) | 25 | $2,521,000 | $100,000 | $179,000 | $51,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,238,000 | $124,000 | $238,000 | $53,000 | $87,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 171 | $19,273,000 | $112,000 | $400,000 | $70,000 | $371,000 |
| Application Withdrawn By Applicant | 15 | $2,001,000 | $133,000 | $360,000 | $65,000 | $298,000 |
| Application Denied By Financial Institution | 10 | $1,241,000 | $124,000 | $377,000 | $42,000 | $74,000 |
| Application Approved But Not Accepted | 3 | $545,000 | $181,000 | $250,000 | $93,000 | $110,000 |
| File Closed For Incompleteness | 1 | $35,000 | $35,000 | $35,000 | $13,000 | $13,000 |
| 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 2007 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.
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