Applications / Mortgage Analytics / Lenders / North Dakota / Kirkwood Bank & Trust Company
Bismarck, ND · State non-member bank · FDIC · $389 million assets · 133 loans in 2025
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133
loans originated, 2025
153
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kirkwood Bank & Trust Company made 11% fewer loans in 2025 while similar lenders grew, and its share of its home market of Bismarck fell from 3.9% to 2.9%.
Loans fell from 150 to 133, down 11%, while the typical similar lender (state non-member banks making between half and twice as many loans) rose 10%, as did the whole market; its growth was lower than more than four in five similar lenders. Its count has moved up and down before: it made 100 loans in 2023 and 150 in 2024.
It has lent in Bismarck since before 1990 and ranks 9 of 145, but its share fell 1.0 points to 2.9%. Gate City Bank leads the market. In Fargo its share also slipped, from 0.3% to 0.1%.
LMI (low- and moderate-income) borrowers took 35.1% of its loans, up from 23.4% five years before and higher than about three in four similar lenders. Its share in LMI areas, 12.0%, is lower than the 17.6% of peers but up from 2.9%. It made no loans in majority-minority areas, possibly because few such neighbourhoods lie in its markets.
Conventional loans were 91.7% of its lending, a lower share than most peers, because it still makes some FHA loans (insured by the Federal Housing Administration) and VA loans (guaranteed by the Department of Veterans Affairs), though the counts are small.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kirkwood Bank & Trust Company took 153 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.4% · Refinance 24.8% · Other 9.8% · Home improvement 3.0%
Conventional 91.7% · FHA 5.3% · VA 3.0% · of 133 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| North Dakota | 120 | 90.2% |
| Minnesota | 7 | 5.3% |
| Arizona | 4 | 3.0% |
| Missouri | 1 | 0.8% |
| South Dakota | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bismarck | 98 |
| Fargo | 7 |
| Minneapolis-St. Paul-Bloomington | 4 |
| Minot | 2 |
| Phoenix-Mesa-Chandler | 2 |
| Prescott Valley-Prescott | 2 |
| Duluth | 1 |
| Kansas City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C5STIFBCFMRJ96 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 908450 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 321928 | 1990–2017 |
Established 18 February 1975. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Kirkwood Bank & Trust Company's data.
Kirkwood Bank & Trust Company's data
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Kirkwood Bank & Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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