Bell Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
Bell Bank 2011 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Bell Bank 3100 13Th Ave S Fargo, ND 58103 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 6,718 |
| Total Mortgage Loan Application Amount | $1,296,736,000 |
| Average Mortgage Loan Application Amount | $148,000 |
| Highest Mortgage Loan Application Amount | $10,300,000 |
| Average Applicant Income | $95,333 |
| Highest Applicant Income | $2,795,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 with Bell Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bell Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2011 breaks down Bell Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bell Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Bell Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bell Bank's mortgage activity for 2011.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hennepin County Minnesota | 1,615 | $ 361,159,000 | $ 223,000 | $ 112,000 |
| Cass County North Dakota | 669 | $ 119,318,000 | $ 178,000 | $ 103,000 |
| Maricopa County Arizona | 610 | $ 105,625,000 | $ 173,000 | $ 99,000 |
| Dakota County Minnesota | 525 | $ 96,633,000 | $ 184,000 | $ 81,000 |
| Anoka County Minnesota | 483 | $ 81,604,000 | $ 168,000 | $ 73,000 |
| Ramsey County Minnesota | 460 | $ 80,974,000 | $ 176,000 | $ 88,000 |
| Washington County Minnesota | 335 | $ 72,249,000 | $ 215,000 | $ 98,000 |
| Clay County Minnesota | 265 | $ 43,884,000 | $ 165,000 | $ 77,000 |
| Scott County Minnesota | 242 | $ 55,405,000 | $ 228,000 | $ 98,000 |
| Otter Tail County Minnesota | 190 | $ 25,885,000 | $ 136,000 | $ 118,000 |
| Becker County Minnesota | 183 | $ 25,510,000 | $ 139,000 | $ 96,000 |
| Carver County Minnesota | 141 | $ 32,178,000 | $ 228,000 | $ 107,000 |
| Wright County Minnesota | 125 | $ 21,781,000 | $ 174,000 | $ 68,000 |
| Sherburne County Minnesota | 79 | $ 12,559,000 | $ 158,000 | $ 72,000 |
| Douglas County Minnesota | 75 | $ 11,633,000 | $ 155,000 | $ 98,000 |
| Chisago County Minnesota | 51 | $ 8,691,000 | $ 170,000 | $ 79,000 |
| Richland County North Dakota | 48 | $ 4,648,000 | $ 96,000 | $ 70,000 |
| Pinal County Arizona | 42 | $ 4,474,000 | $ 106,000 | $ 68,000 |
| Rice County Minnesota | 33 | $ 5,785,000 | $ 175,000 | $ 79,000 |
| St. Croix County Wisconsin | 25 | $ 5,534,000 | $ 221,000 | $ 99,000 |
| Wilkin County Minnesota | 22 | $ 1,690,000 | $ 76,000 | $ 50,000 |
| Isanti County Minnesota | 20 | $ 2,810,000 | $ 140,000 | $ 56,000 |
| Cass County Minnesota | 19 | $ 3,951,000 | $ 207,000 | $ 145,000 |
| Crow Wing County Minnesota | 17 | $ 5,277,000 | $ 310,000 | $ 236,000 |
| Le Sueur County Minnesota | 17 | $ 2,311,000 | $ 135,000 | $ 45,000 |
| Goodhue County Minnesota | 14 | $ 2,208,000 | $ 157,000 | $ 61,000 |
| St. Louis County Minnesota | 13 | $ 3,055,000 | $ 235,000 | $ 121,000 |
| Stearns County Minnesota | 11 | $ 7,711,000 | $ 701,000 | $ 78,000 |
| Mille Lacs County Minnesota | 10 | $ 2,375,000 | $ 237,000 | $ 157,000 |
| Grand Forks County North Dakota | 10 | $ 2,265,000 | $ 226,000 | $ 171,000 |
| Grant County Minnesota | 8 | $ 985,000 | $ 123,000 | $ 181,000 |
| Hubbard County Minnesota | 7 | $ 1,532,000 | $ 218,000 | $ 181,000 |
| Burleigh County North Dakota | 7 | $ 904,000 | $ 129,000 | $ 84,000 |
| Barron County Wisconsin | 7 | $ 790,000 | $ 112,000 | $ 101,000 |
| Itasca County Minnesota | 6 | $ 1,685,000 | $ 280,000 | $ 141,000 |
| Mahnomen County Minnesota | 6 | $ 1,099,000 | $ 183,000 | $ 89,000 |
| McLeod County Minnesota | 6 | $ 549,000 | $ 91,000 | $ 65,000 |
| Olmsted County Minnesota | 6 | $ 3,394,000 | $ 565,000 | $ 91,000 |
| Burnett County Wisconsin | 6 | $ 772,000 | $ 128,000 | $ 90,000 |
| Pima County Arizona | 5 | $ 591,000 | $ 118,000 | $ 109,000 |
| Meeker County Minnesota | 5 | $ 842,000 | $ 168,000 | $ 121,000 |
| Pope County Minnesota | 5 | $ 582,000 | $ 116,000 | $ 59,000 |
| Sibley County Minnesota | 5 | $ 712,000 | $ 142,000 | $ 78,000 |
| Todd County Minnesota | 5 | $ 558,000 | $ 111,000 | $ 86,000 |
| Traill County North Dakota | 5 | $ 562,000 | $ 112,000 | $ 48,000 |
| Washburn County Wisconsin | 5 | $ 922,000 | $ 184,000 | $ 157,000 |
| Navajo County Arizona | 4 | $ 689,000 | $ 172,000 | $ 128,000 |
| Aitkin County Minnesota | 4 | $ 767,000 | $ 191,000 | $ 129,000 |
| Blue Earth County Minnesota | 4 | $ 753,000 | $ 188,000 | $ 176,000 |
| Kandiyohi County Minnesota | 4 | $ 971,000 | $ 242,000 | $ 182,000 |
| Norman County Minnesota | 4 | $ 340,000 | $ 85,000 | $ 82,000 |
| Pine County Minnesota | 4 | $ 724,000 | $ 181,000 | $ 437,000 |
| Polk County Minnesota | 4 | $ 365,000 | $ 91,000 | $ 111,000 |
| Brown County South Dakota | 4 | $ 4,400,000 | $ 1,100,000 | $ 0 |
| Bayfield County Wisconsin | 4 | $ 1,618,000 | $ 404,000 | $ 485,000 |
| Pierce County Wisconsin | 4 | $ 403,000 | $ 100,000 | $ 49,000 |
| Faribault County Minnesota | 3 | $ 204,000 | $ 68,000 | $ 35,000 |
| Kanabec County Minnesota | 3 | $ 602,000 | $ 200,000 | $ 96,000 |
| Renville County Minnesota | 3 | $ 333,000 | $ 111,000 | $ 87,000 |
| Polk County Wisconsin | 3 | $ 594,000 | $ 198,000 | $ 111,000 |
| Graham County Arizona | 2 | $ 170,000 | $ 85,000 | $ 52,000 |
| Yavapai County Arizona | 2 | $ 515,000 | $ 257,000 | $ 203,000 |
| Cook County Minnesota | 2 | $ 815,000 | $ 407,000 | $ 118,000 |
| Morrison County Minnesota | 2 | $ 305,000 | $ 152,000 | $ 113,000 |
| Nicollet County Minnesota | 2 | $ 385,000 | $ 192,000 | $ 85,000 |
| Traverse County Minnesota | 2 | $ 187,000 | $ 93,000 | $ 39,000 |
| Barnes County North Dakota | 2 | $ 133,000 | $ 66,000 | $ 37,000 |
| McLean County North Dakota | 2 | $ 237,000 | $ 118,000 | $ 59,000 |
| Steele County North Dakota | 2 | $ 118,000 | $ 59,000 | $ 68,000 |
| Walsh County North Dakota | 2 | $ 232,000 | $ 116,000 | $ 82,000 |
| Codington County South Dakota | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Minnehaha County South Dakota | 2 | $ 2,364,000 | $ 1,182,000 | $ 0 |
| Eau Claire County Wisconsin | 2 | $ 219,000 | $ 109,000 | $ 32,000 |
| Coconino County Arizona | 1 | $ 309,000 | $ 309,000 | $ 179,000 |
| Polk County Iowa | 1 | $ 1,620,000 | $ 1,620,000 | $ 0 |
| Beltrami County Minnesota | 1 | $ 131,000 | $ 131,000 | $ 65,000 |
| Big Stone County Minnesota | 1 | $ 64,000 | $ 64,000 | $ 87,000 |
| Brown County Minnesota | 1 | $ 273,000 | $ 273,000 | $ 72,000 |
| Carlton County Minnesota | 1 | $ 136,000 | $ 136,000 | $ 70,000 |
| Clearwater County Minnesota | 1 | $ 182,000 | $ 182,000 | $ 72,000 |
| Freeborn County Minnesota | 1 | $ 272,000 | $ 272,000 | $ 86,000 |
| Kittson County Minnesota | 1 | $ 83,000 | $ 83,000 | $ 78,000 |
| Mower County Minnesota | 1 | $ 64,000 | $ 64,000 | $ 43,000 |
| Steele County Minnesota | 1 | $ 172,000 | $ 172,000 | $ 48,000 |
| Stevens County Minnesota | 1 | $ 49,000 | $ 49,000 | $ 68,000 |
| Swift County Minnesota | 1 | $ 255,000 | $ 255,000 | $ 117,000 |
| Wadena County Minnesota | 1 | $ 103,000 | $ 103,000 | $ 90,000 |
| Winona County Minnesota | 1 | $ 126,000 | $ 126,000 | $ 116,000 |
| Yellowstone County Montana | 1 | $ 4,713,000 | $ 4,713,000 | $ 0 |
| Benson County North Dakota | 1 | $ 26,000 | $ 26,000 | $ 75,000 |
| Cavalier County North Dakota | 1 | $ 42,000 | $ 42,000 | $ 56,000 |
| Griggs County North Dakota | 1 | $ 85,000 | $ 85,000 | $ 78,000 |
| McHenry County North Dakota | 1 | $ 101,000 | $ 101,000 | $ 75,000 |
| Sargent County North Dakota | 1 | $ 53,000 | $ 53,000 | $ 74,000 |
| Ward County North Dakota | 1 | $ 646,000 | $ 646,000 | $ 0 |
| Williams County North Dakota | 1 | $ 9,155,000 | $ 9,155,000 | $ 0 |
| Brookings County South Dakota | 1 | $ 4,960,000 | $ 4,960,000 | $ 0 |
| Davison County South Dakota | 1 | $ 3,125,000 | $ 3,125,000 | $ 0 |
| Pennington County South Dakota | 1 | $ 1,436,000 | $ 1,436,000 | $ 0 |
| Yankton County South Dakota | 1 | $ 1,015,000 | $ 1,015,000 | $ 0 |
| Chippewa County Wisconsin | 1 | $ 193,000 | $ 193,000 | $ 71,000 |
| Dunn County Wisconsin | 1 | $ 262,000 | $ 262,000 | $ 80,000 |
| Milwaukee County Wisconsin | 1 | $ 417,000 | $ 417,000 | $ 155,000 |
| Oneida County Wisconsin | 1 | $ 360,000 | $ 360,000 | $ 692,000 |
| Outagamie County Wisconsin | 1 | $ 90,000 | $ 90,000 | $ 78,000 |
| Ozaukee County Wisconsin | 1 | $ 350,000 | $ 350,000 | $ 81,000 |
| Sawyer County Wisconsin | 1 | $ 96,000 | $ 96,000 | $ 41,000 |
| Laramie County Wyoming | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bell Bank in 2011
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 | 3,955 | $736,484,000 | $186,000 | $10,300,000 | $88,000 | $2,795,000 |
| Refinancing | 2,523 | $550,553,000 | $218,000 | $5,013,000 | $110,000 | $1,741,000 |
| Home Improvement | 240 | $9,699,000 | $40,000 | $1,029,000 | $88,000 | $1,402,000 |
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 | 6,096 | $1,097,138,000 | $179,000 | $3,125,000 | $98,000 | $2,795,000 |
| Not Provided | 194 | $36,257,000 | $186,000 | $800,000 | $107,000 | $971,000 |
| Asian | 150 | $23,467,000 | $156,000 | $408,000 | $75,000 | $278,000 |
| Hispanic | 110 | $16,059,000 | $145,000 | $368,000 | $64,000 | $213,000 |
| Black or African American | 77 | $12,332,000 | $160,000 | $417,000 | $60,000 | $421,000 |
| Not applicable | 66 | $107,872,000 | $1,634,000 | $10,300,000 | $0 | $0 |
| American Indian or Alaskan Native | 14 | $1,732,000 | $123,000 | $312,000 | $70,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $1,879,000 | $170,000 | $417,000 | $111,000 | $180,000 |
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) | 4,234 | $891,731,000 | $210,000 | $10,300,000 | $116,000 | $2,795,000 |
| FHA-insured (Federal Housing Administration) | 2,180 | $354,159,000 | $162,000 | $369,000 | $63,000 | $658,000 |
| VA-guaranteed (Veterans Administration) | 217 | $40,644,000 | $187,000 | $459,000 | $68,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 87 | $10,202,000 | $117,000 | $231,000 | $42,000 | $92,000 |
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 | 5,144 | $1,008,715,000 | $196,000 | $10,300,000 | $97,000 | $2,795,000 |
| Application Withdrawn By Applicant | 1,020 | $210,956,000 | $206,000 | $1,496,000 | $105,000 | $1,173,000 |
| Application Denied By Financial Institution | 319 | $45,774,000 | $143,000 | $1,200,000 | $74,000 | $1,200,000 |
| Preapproval Denied by Financial Institution | 162 | $20,018,000 | $123,000 | $400,000 | $57,000 | $540,000 |
| Application Approved But Not Accepted | 43 | $7,189,000 | $167,000 | $1,500,000 | $87,000 | $547,000 |
| File Closed For Incompleteness | 30 | $4,084,000 | $136,000 | $255,000 | $90,000 | $258,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 198 | $24,590,000 | $124,000 | $460,000 | $65,000 | $1,200,000 |
| Debt-To-Income Ratio | 127 | $18,240,000 | $143,000 | $417,000 | $56,000 | $250,000 |
| Collateral | 63 | $7,496,000 | $118,000 | $417,000 | $85,000 | $366,000 |
| Other | 35 | $6,919,000 | $197,000 | $1,200,000 | $90,000 | $341,000 |
| Employment History | 18 | $2,230,000 | $123,000 | $221,000 | $56,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $2,696,000 | $158,000 | $341,000 | $86,000 | $230,000 |
| Credit Application Incomplete | 13 | $2,241,000 | $172,000 | $417,000 | $115,000 | $263,000 |
| Unverifiable Information | 9 | $1,321,000 | $146,000 | $375,000 | $54,000 | $120,000 |
| Mortgage Insurance Denied | 1 | $59,000 | $59,000 | $59,000 | $46,000 | $46,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bell Bank's 2011 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 Bell Bank'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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with aggregated HMDA statistics today.