Kirkwood Bank & Trust Co. Mortgage Lending & HMDA Data, 2014
In 2014, Kirkwood Bank & Trust Co. of Bismarck, ND reported 219 mortgage applications totaling $38.8 million, down 12% from 2013. The average application was for $177,168, and applicants reported an average income of $142,511. 87% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Bismarck, ND (170), Phoenix-Mesa-Scottsdale, AZ (4) and Rapid City, SD (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 | 219 |
| Total Mortgage Loan Application Amount | $38,800,000 |
| Average Mortgage Loan Application Amount | $177,168 |
| Highest Mortgage Loan Application Amount | $1,250,000 |
| Average Applicant Income | $142,511 |
| Highest Applicant Income | $5,054,000 |
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records Kirkwood Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 143 | $29,186,000 | $204,000 | $1,250,000 | $169,000 | $5,054,000 |
| Refinancing | 69 | $9,030,000 | $130,000 | $417,000 | $97,000 | $390,000 |
| Home Improvement | 7 | $584,000 | $83,000 | $236,000 | $50,000 | $109,000 |
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 | 204 | $36,697,000 | $179,000 | $1,250,000 | $150,000 | $5,054,000 |
| Not applicable | 10 | $1,251,000 | $125,000 | $250,000 | $0 | $0 |
| Asian | 2 | $331,000 | $165,000 | $166,000 | $178,000 | $230,000 |
| Hispanic | 1 | $25,000 | $25,000 | $25,000 | $30,000 | $30,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $250,000 | $250,000 | $250,000 | $130,000 | $130,000 |
| American Indian or Alaskan Native | 1 | $246,000 | $246,000 | $246,000 | $114,000 | $114,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 202 | $34,997,000 | $173,000 | $1,250,000 | $147,000 | $5,054,000 |
| FHA-insured (Federal Housing Administration) | 10 | $2,050,000 | $205,000 | $275,000 | $111,000 | $286,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,574,000 | $262,000 | $417,000 | $75,000 | $101,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $179,000 | $179,000 | $179,000 | $52,000 | $52,000 |
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 | 190 | $33,220,000 | $174,000 | $1,108,000 | $125,000 | $2,600,000 |
| Application Withdrawn By Applicant | 14 | $2,933,000 | $209,000 | $412,000 | $101,000 | $230,000 |
| Application Denied By Financial Institution | 10 | $720,000 | $72,000 | $265,000 | $64,000 | $286,000 |
| Application Approved But Not Accepted | 5 | $1,927,000 | $385,000 | $1,250,000 | $1,072,000 | $5,054,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2014 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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