Kirkwood Bank & Trust Co.
Kirkwood Bank & Trust Co. received 153 applications in 2025 and made 133 mortgages, in 19 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $235,000. Of 143 decisions, 3 were denials — 2.1%.
| Legal Entity Identifier | 549300C5STIFBCFMRJ96 |
|---|---|
| Applications received | 153 |
| Mortgages made | 133 |
| Denied | 3 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 10 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Kirkwood Bank & Trust Co., 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 83 | Not published | $265,000 | 3.3% |
| Refinancing | 30 | Not published | $170,000 | 0.0% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 17 | Not published | $75,000 | 0.0% |
Where Kirkwood Bank & Trust Co. lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Burleigh County, ND | 82 | Not published | 1.1% |
| Morton County, ND | 16 | Not published | 5.9% |
| Stark County, ND | 7 | Under 10 loans | 0.0% |
| Cass County, ND | 6 | Under 10 loans | 14.3% |
| Hennepin County, MN | 3 | Under 10 loans | 0.0% |
| Kidder County, ND | 3 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Yavapai County, AZ | 2 | Under 10 loans | 0.0% |
| McLean County, ND | 2 | Under 10 loans | 0.0% |
| Ward County, ND | 2 | Under 10 loans | 0.0% |
| Becker County, MN | 1 | Under 10 loans | 0.0% |
| Carlton County, MN | 1 | Under 10 loans | 0.0% |
| Clay County, MN | 1 | Under 10 loans | 0.0% |
| Washington County, MN | 1 | Under 10 loans | 0.0% |
| Cass County, MO | 1 | Under 10 loans | 0.0% |
| Emmons County, ND | 1 | Under 10 loans | 0.0% |
| Mercer County, ND | 1 | Under 10 loans | 0.0% |
| Lawrence County, SD | 1 | Under 10 loans | 0.0% |
| Dunn County, ND | 0 | Under 10 loans | Not published |
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When Kirkwood Bank & Trust Co.’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.