Kirkwood Bank & Trust in North Dakota vs the state
2.2%Denial rate-9.27 pts vs state
2.3%Decision denial rate-11.39 pts vs state
87.0%Origination rate+17.27 pts vs state
—Median rate
—Rate spread (pts)
$120kMedian applicant income
120Loans originated
3Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 116 | 94 | 3.5% | — | #31 |
| 2024 | 154 | 140 | 0.7% | — | #26 |
| 2025 | 138 | 120 | 2.2% | — | #35 |
What Kirkwood Bank & Trust lends in North Dakota
By loan purpose
By loan type
Where in North Dakota
Counties with the most Kirkwood Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burleigh County | 91 | 82 | 1 | 1.1% |
| Morton County | 18 | 16 | 1 | 5.6% |
| Stark County | 10 | 7 | 0 | 0.0% |
| Cass County | 8 | 6 | 1 | 12.5% |
| Kidder County | 4 | 3 | 0 | 0.0% |
| Ward County | 2 | 2 | 0 | 0.0% |
| McLean County | 2 | 2 | 0 | 0.0% |
| Dunn County | 1 | 0 | 0 | 0.0% |
| Mercer County | 1 | 1 | 0 | 0.0% |
| Emmons County | 1 | 1 | 0 | 0.0% |
Other large lenders in North Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Gate City Bank | C | 3,106 | 11.3% | 6.65% |
| First International Bank & Trust | B | 1,112 | 4.0% | 6.63% |
| United Shore Financial Services | B | 881 | 7.5% | 6.25% |
| Rocket Mortgage | C | 827 | 21.6% | 6.63% |
| Bell Bank | A | 806 | 7.7% | 6.99% |
| First Community Credit Union | B | 675 | 7.1% | 6.49% |
| Capital | C | 646 | 3.7% | 7.00% |
| TOWN AND COUNTRY Credit Union | B | 571 | 2.1% | 6.25% |
| Mortgage Research Center | C | 500 | 13.6% | 6.25% |
| Fairway Independent Mortgage | B | 497 | 3.0% | 6.40% |
Frequently asked questions
North Dakota: 138 applications in 2025, of which 120 were originated and 3 denied.
2.2% of all applications, or 2.3% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Kirkwood Bank & Trust's own HMDA filing for properties located in North Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology