Lenders › Kirkwood Bank & Trust Co. › North Dakota
Kirkwood Bank & Trust Co. in North Dakota
HMDA record for properties in North Dakota, calendar year 2024. National record · North Dakota overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In North Dakota, Kirkwood Bank & Trust Co. reported 154 applications and 140 originations for 2024, $34m in all.
Its denial rate in the state was 0.7%, below the North Dakota rate of 14.3% across all lenders and compared with the lender's national rate of 0.6%.
Applications in the state were up 33% on 2023.
Compared with the state and the lender's national record
| Measure | In North Dakota | North Dakota, all lenders | Kirkwood Bank & Trust Co., all states | United States |
|---|---|---|---|---|
| Denial rate | 0.7% | 14.3% | 0.6% | 24.3% |
| Median rate spread, pp | — | 0.2 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 13.2% | — | 15.6% |
| Average originated loan | $243k | $244k | $252k | $329k |
| Home purchase share | 79.3% | 63.4% | 78.7% | 57.0% |
| FHA-insured share | 17.9% | 13.0% | 16.7% | 13.4% |
| VA-guaranteed share | 3.6% | 9.5% | 3.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNorth Dakota, all lenders
Loan purpose and loan type in North Dakota
By purpose
Home purchase 79% (111)Home improvement 2% (3)Refinancing 10% (14)Cash-out refinancing 1% (1)Other purpose 8% (11)
By type
Conventional 79% (110)FHA 18% (25)VA 4% (5)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in North Dakota
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Burleigh County | 85 | 78 | $20m | 0.0% |
| Morton County | 25 | 23 | $6.1m | 4.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Kirkwood Bank & Trust Co. originate in North Dakota in 2024?
140 loans totalling $34m, from 154 applications reported for properties in North Dakota.
What is Kirkwood Bank & Trust Co.'s denial rate in North Dakota?
0.7% of decided applications in North Dakota were denied, against 14.3% for all lenders in the state and 0.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which North Dakota counties does Kirkwood Bank & Trust Co. lend in most?
By originations: Burleigh County (78), Morton County (23).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in North Dakota. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.