Bell Bank Mortgage Lending & HMDA Data, 2013
In 2013, Bell Bank of Fargo, ND reported 14,864 mortgage applications totaling $3.1 billion, up 37% from 2012. The average application was for $207,396, and applicants reported an average income of $98,081. 79% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (10,644), Fargo, ND-MN (1,243) and Phoenix-Mesa-Glendale, AZ (1,091) (applications in parentheses).
| Mortgage Company & Address | Bell Bank 3100 13th Ave S Fargo, ND 58103 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 14,864 |
| Total Mortgage Loan Application Amount | $3,082,737,000 |
| Average Mortgage Loan Application Amount | $207,396 |
| Highest Mortgage Loan Application Amount | $14,500,000 |
| Average Applicant Income | $98,081 |
| Highest Applicant Income | $3,681,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bell Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hennepin, Minnesota | 3,999 | $ 895,851,000 | $ 224,018 | $ 106,000 |
| Dakota, Minnesota | 1,345 | $ 279,198,000 | $ 207,582 | $ 92,000 |
| Anoka, Minnesota | 1,299 | $ 251,001,000 | $ 193,226 | $ 79,000 |
| Ramsey, Minnesota | 1,148 | $ 219,220,000 | $ 190,958 | $ 92,000 |
| Maricopa, Arizona | 1,025 | $ 223,240,000 | $ 217,795 | $ 106,000 |
| Cass, North Dakota | 869 | $ 196,176,000 | $ 225,749 | $ 110,000 |
| Washington, Minnesota | 787 | $ 175,405,000 | $ 222,878 | $ 98,000 |
| Scott, Minnesota | 583 | $ 141,042,000 | $ 241,924 | $ 111,000 |
| Carver, Minnesota | 457 | $ 107,006,000 | $ 234,148 | $ 108,000 |
| Wright, Minnesota | 416 | $ 78,908,000 | $ 189,682 | $ 93,000 |
| Clay, Minnesota | 374 | $ 45,595,000 | $ 121,911 | $ 77,000 |
| Sherburne, Minnesota | 259 | $ 46,698,000 | $ 180,301 | $ 74,000 |
| Otter Tail, Minnesota | 237 | $ 39,807,000 | $ 167,962 | $ 98,000 |
| Becker, Minnesota | 214 | $ 36,219,000 | $ 169,247 | $ 106,000 |
| Chisago, Minnesota | 125 | $ 24,348,000 | $ 194,784 | $ 92,000 |
| St. Croix, Wisconsin | 122 | $ 25,327,000 | $ 207,598 | $ 105,000 |
| Rice, Minnesota | 88 | $ 17,657,000 | $ 200,647 | $ 89,000 |
| Olmsted, Minnesota | 80 | $ 13,747,000 | $ 171,837 | $ 79,000 |
| Douglas, Minnesota | 75 | $ 11,497,000 | $ 153,293 | $ 131,000 |
| Isanti, Minnesota | 74 | $ 11,256,000 | $ 152,108 | $ 67,000 |
| Pinal, Arizona | 66 | $ 8,969,000 | $ 135,893 | $ 73,000 |
| Richland, North Dakota | 61 | $ 6,835,000 | $ 112,049 | $ 73,000 |
| Crow Wing, Minnesota | 55 | $ 13,164,000 | $ 239,345 | $ 145,000 |
| Stearns, Minnesota | 54 | $ 8,382,000 | $ 155,222 | $ 77,000 |
| Goodhue, Minnesota | 37 | $ 6,569,000 | $ 177,540 | $ 85,000 |
| Steele, Minnesota | 36 | $ 5,742,000 | $ 159,500 | $ 75,000 |
| Cass, Minnesota | 35 | $ 8,590,000 | $ 245,428 | $ 173,000 |
| Le Sueur, Minnesota | 32 | $ 4,660,000 | $ 145,625 | $ 49,000 |
| Wilkin, Minnesota | 31 | $ 2,293,000 | $ 73,967 | $ 58,000 |
| Pierce, Wisconsin | 30 | $ 6,046,000 | $ 201,533 | $ 98,000 |
| Polk, Wisconsin | 29 | $ 5,220,000 | $ 180,000 | $ 132,000 |
| McLeod, Minnesota | 28 | $ 3,890,000 | $ 138,928 | $ 60,000 |
| St. Louis, Minnesota | 28 | $ 5,328,000 | $ 190,285 | $ 136,000 |
| Aitkin, Minnesota | 21 | $ 5,069,000 | $ 241,380 | $ 157,000 |
| Mille Lacs, Minnesota | 20 | $ 3,394,000 | $ 169,700 | $ 144,000 |
| Benton, Minnesota | 19 | $ 2,653,000 | $ 139,631 | $ 61,000 |
| Hubbard, Minnesota | 16 | $ 2,846,000 | $ 177,875 | $ 131,000 |
| Burnett, Wisconsin | 16 | $ 2,428,000 | $ 151,750 | $ 132,000 |
| Itasca, Minnesota | 13 | $ 3,171,000 | $ 243,923 | $ 121,000 |
| Cook, Minnesota | 12 | $ 2,472,000 | $ 206,000 | $ 87,000 |
| Pima, Arizona | 11 | $ 2,152,000 | $ 195,636 | $ 134,000 |
| Kanabec, Minnesota | 11 | $ 1,760,000 | $ 160,000 | $ 72,000 |
| Pine, Minnesota | 11 | $ 1,533,000 | $ 139,363 | $ 81,000 |
| Blue Earth, Minnesota | 10 | $ 1,398,000 | $ 139,800 | $ 78,000 |
| Pope, Minnesota | 10 | $ 1,393,000 | $ 139,300 | $ 74,000 |
| Sibley, Minnesota | 10 | $ 1,109,000 | $ 110,900 | $ 40,000 |
| Todd, Minnesota | 9 | $ 1,061,000 | $ 117,888 | $ 144,000 |
| Lee, Florida | 8 | $ 1,843,000 | $ 230,375 | $ 205,000 |
| Lake, Minnesota | 8 | $ 1,834,000 | $ 229,250 | $ 138,000 |
| Meeker, Minnesota | 8 | $ 1,516,000 | $ 189,500 | $ 100,000 |
| Grand Forks, North Dakota | 8 | $ 24,895,000 | $ 3,111,875 | $ 60,000 |
| Griggs, North Dakota | 8 | $ 626,000 | $ 78,250 | $ 51,000 |
| Morrison, Minnesota | 7 | $ 1,097,000 | $ 156,714 | $ 112,000 |
| Mower, Minnesota | 7 | $ 948,000 | $ 135,428 | $ 71,000 |
| Burleigh, North Dakota | 7 | $ 1,684,000 | $ 240,571 | $ 92,000 |
| Traill, North Dakota | 7 | $ 664,000 | $ 94,857 | $ 82,000 |
| Bayfield, Wisconsin | 7 | $ 1,736,000 | $ 248,000 | $ 239,000 |
| Sawyer, Wisconsin | 7 | $ 1,655,000 | $ 236,428 | $ 256,000 |
| Gila, Arizona | 6 | $ 1,245,000 | $ 207,500 | $ 174,000 |
| Yavapai, Arizona | 6 | $ 1,314,000 | $ 219,000 | $ 112,000 |
| Dodge, Minnesota | 6 | $ 906,000 | $ 151,000 | $ 69,000 |
| Freeborn, Minnesota | 6 | $ 733,000 | $ 122,166 | $ 90,000 |
| Wabasha, Minnesota | 6 | $ 837,000 | $ 139,500 | $ 55,000 |
| Ransom, North Dakota | 6 | $ 594,000 | $ 99,000 | $ 88,000 |
| Barron, Wisconsin | 6 | $ 1,504,000 | $ 250,666 | $ 146,000 |
| Dunn, Wisconsin | 6 | $ 1,235,000 | $ 205,833 | $ 175,000 |
| Beltrami, Minnesota | 5 | $ 709,000 | $ 141,800 | $ 154,000 |
| Kandiyohi, Minnesota | 5 | $ 1,022,000 | $ 204,400 | $ 104,000 |
| Waseca, Minnesota | 5 | $ 836,000 | $ 167,200 | $ 30,000 |
| Barnes, North Dakota | 5 | $ 598,000 | $ 119,600 | $ 120,000 |
| Washburn, Wisconsin | 5 | $ 1,003,000 | $ 200,600 | $ 235,000 |
| Waukesha, Wisconsin | 5 | $ 4,106,000 | $ 821,200 | $ 88,000 |
| Mahnomen, Minnesota | 4 | $ 412,000 | $ 103,000 | $ 106,000 |
| Nicollet, Minnesota | 4 | $ 776,000 | $ 194,000 | $ 121,000 |
| Navajo, Arizona | 3 | $ 305,000 | $ 101,666 | $ 131,000 |
| Collier, Florida | 3 | $ 445,000 | $ 148,333 | $ 161,000 |
| Martin, Minnesota | 3 | $ 489,000 | $ 163,000 | $ 121,000 |
| Polk, Minnesota | 3 | $ 697,000 | $ 232,333 | $ 81,000 |
| Winona, Minnesota | 3 | $ 548,000 | $ 182,666 | $ 58,000 |
| Sargent, North Dakota | 3 | $ 296,000 | $ 98,666 | $ 83,000 |
| Ward, North Dakota | 3 | $ 793,000 | $ 264,333 | $ 24,000 |
| Minnehaha, South Dakota | 3 | $ 5,628,000 | $ 1,876,000 | $ 0 |
| Dane, Wisconsin | 3 | $ 590,000 | $ 196,666 | $ 144,000 |
| Eau Claire, Wisconsin | 3 | $ 542,000 | $ 180,666 | $ 137,000 |
| Boulder, Colorado | 2 | $ 436,000 | $ 218,000 | $ 123,000 |
| Douglas, Colorado | 2 | $ 559,000 | $ 279,500 | $ 111,000 |
| Brevard, Florida | 2 | $ 456,000 | $ 228,000 | $ 104,000 |
| Hernando, Florida | 2 | $ 152,000 | $ 76,000 | $ 156,000 |
| Pasco, Florida | 2 | $ 439,000 | $ 219,500 | $ 75,000 |
| Sarasota, Florida | 2 | $ 617,000 | $ 308,500 | $ 821,000 |
| St. Johns, Florida | 2 | $ 710,000 | $ 355,000 | $ 1,552,000 |
| Big Stone, Minnesota | 2 | $ 427,000 | $ 213,500 | $ 110,000 |
| Carlton, Minnesota | 2 | $ 267,000 | $ 133,500 | $ 63,000 |
| Cottonwood, Minnesota | 2 | $ 402,000 | $ 201,000 | $ 126,000 |
| Fillmore, Minnesota | 2 | $ 192,000 | $ 96,000 | $ 40,000 |
| Grant, Minnesota | 2 | $ 264,000 | $ 132,000 | $ 108,000 |
| Lyon, Minnesota | 2 | $ 255,000 | $ 127,500 | $ 74,000 |
| Norman, Minnesota | 2 | $ 77,000 | $ 38,500 | $ 38,000 |
| McLean, North Dakota | 2 | $ 209,000 | $ 104,500 | $ 26,000 |
| Stutsman, North Dakota | 2 | $ 264,000 | $ 132,000 | $ 170,000 |
| Douglas, Wisconsin | 2 | $ 210,000 | $ 105,000 | $ 107,000 |
| Milwaukee, Wisconsin | 2 | $ 149,000 | $ 74,500 | $ 258,000 |
| Sheboygan, Wisconsin | 2 | $ 413,000 | $ 206,500 | $ 97,000 |
| Coconino, Arizona | 1 | $ 208,000 | $ 208,000 | $ 76,000 |
| Graham, Arizona | 1 | $ 57,000 | $ 57,000 | $ 46,000 |
| Mohave, Arizona | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Yuma, Arizona | 1 | $ 164,000 | $ 164,000 | $ 61,000 |
| Arapahoe, Colorado | 1 | $ 234,000 | $ 234,000 | $ 73,000 |
| Denver, Colorado | 1 | $ 280,000 | $ 280,000 | $ 94,000 |
| Eagle, Colorado | 1 | $ 42,000 | $ 42,000 | $ 56,000 |
| Jefferson, Colorado | 1 | $ 304,000 | $ 304,000 | $ 268,000 |
| Charlotte, Florida | 1 | $ 170,000 | $ 170,000 | $ 195,000 |
| Nassau, Florida | 1 | $ 341,000 | $ 341,000 | $ 141,000 |
| Osceola, Florida | 1 | $ 118,000 | $ 118,000 | $ 87,000 |
| Pinellas, Florida | 1 | $ 417,000 | $ 417,000 | $ 180,000 |
| Brown, Minnesota | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Clearwater, Minnesota | 1 | $ 220,000 | $ 220,000 | $ 147,000 |
| Faribault, Minnesota | 1 | $ 161,000 | $ 161,000 | $ 93,000 |
| Jackson, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Lac qui Parle, Minnesota | 1 | $ 177,000 | $ 177,000 | $ 114,000 |
| Marshall, Minnesota | 1 | $ 75,000 | $ 75,000 | $ 71,000 |
| Nobles, Minnesota | 1 | $ 140,000 | $ 140,000 | $ 70,000 |
| Renville, Minnesota | 1 | $ 85,000 | $ 85,000 | $ 21,000 |
| Wadena, Minnesota | 1 | $ 88,000 | $ 88,000 | $ 78,000 |
| Adams, North Dakota | 1 | $ 117,000 | $ 117,000 | $ 80,000 |
| Foster, North Dakota | 1 | $ 100,000 | $ 100,000 | $ 56,000 |
| McKenzie, North Dakota | 1 | $ 63,000 | $ 63,000 | $ 216,000 |
| Morton, North Dakota | 1 | $ 122,000 | $ 122,000 | $ 48,000 |
| Mountrail, North Dakota | 1 | $ 249,000 | $ 249,000 | $ 28,000 |
| Renville, North Dakota | 1 | $ 78,000 | $ 78,000 | $ 37,000 |
| Towner, North Dakota | 1 | $ 36,000 | $ 36,000 | $ 21,000 |
| Williams, North Dakota | 1 | $ 417,000 | $ 417,000 | $ 180,000 |
| Day, South Dakota | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Pennington, South Dakota | 1 | $ 1,776,000 | $ 1,776,000 | $ 0 |
| Jefferson, Texas | 1 | $ 4,072,000 | $ 4,072,000 | $ 0 |
| Ashland, Wisconsin | 1 | $ 398,000 | $ 398,000 | $ 1,097,000 |
| Brown, Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 233,000 |
| Chippewa, Wisconsin | 1 | $ 184,000 | $ 184,000 | $ 249,000 |
| La Crosse, Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Pepin, Wisconsin | 1 | $ 400,000 | $ 400,000 | $ 151,000 |
| Rock, Wisconsin | 1 | $ 146,000 | $ 146,000 | $ 69,000 |
| Rusk, Wisconsin | 1 | $ 239,000 | $ 239,000 | $ 67,000 |
| Vilas, Wisconsin | 1 | $ 400,000 | $ 400,000 | $ 541,000 |
| Walworth, Wisconsin | 1 | $ 390,000 | $ 390,000 | $ 150,000 |
| Washington, Wisconsin | 1 | $ 302,000 | $ 302,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Bell Bank in 2013
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 | 9,010 | $1,885,931,000 | $209,000 | $14,500,000 | $92,000 | $2,924,000 |
| Refinancing | 5,490 | $1,154,491,000 | $210,000 | $11,325,000 | $108,000 | $3,681,000 |
| Home Improvement | 364 | $42,315,000 | $116,000 | $2,000,000 | $99,000 | $741,000 |
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 | 13,158 | $2,623,704,000 | $199,000 | $1,470,000 | $100,000 | $3,681,000 |
| Not Provided | 661 | $144,707,000 | $218,000 | $1,072,000 | $99,000 | $1,575,000 |
| Asian | 434 | $86,861,000 | $200,000 | $600,000 | $99,000 | $825,000 |
| Hispanic | 227 | $39,784,000 | $175,000 | $417,000 | $84,000 | $2,924,000 |
| Black or African American | 205 | $39,282,000 | $191,000 | $417,000 | $78,000 | $800,000 |
| Not applicable | 124 | $137,621,000 | $1,109,000 | $14,500,000 | $0 | $0 |
| American Indian or Alaskan Native | 33 | $5,591,000 | $169,000 | $392,000 | $73,000 | $293,000 |
| Native Hawaiian or Other Pacific Islander | 22 | $5,187,000 | $235,000 | $392,000 | $103,000 | $232,000 |
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) | 10,558 | $2,292,998,000 | $217,000 | $14,500,000 | $111,000 | $3,681,000 |
| FHA-insured (Federal Housing Administration) | 3,368 | $604,192,000 | $179,000 | $371,000 | $67,000 | $699,000 |
| VA-guaranteed (Veterans Administration) | 635 | $144,829,000 | $228,000 | $800,000 | $78,000 | $354,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 303 | $40,718,000 | $134,000 | $317,000 | $47,000 | $127,000 |
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 | 11,757 | $2,473,547,000 | $210,000 | $14,500,000 | $99,000 | $3,681,000 |
| Application Withdrawn By Applicant | 1,915 | $406,020,000 | $212,000 | $1,435,000 | $108,000 | $1,818,000 |
| Application Denied By Financial Institution | 763 | $139,434,000 | $182,000 | $1,072,000 | $78,000 | $1,499,000 |
| Preapproval Denied by Financial Institution | 297 | $38,521,000 | $129,000 | $400,000 | $49,000 | $155,000 |
| Application Approved But Not Accepted | 73 | $12,563,000 | $172,000 | $575,000 | $110,000 | $798,000 |
| File Closed For Incompleteness | 58 | $9,327,000 | $160,000 | $417,000 | $116,000 | $748,000 |
| Loan Purchased By The Institution | 1 | $3,325,000 | $3,325,000 | $3,325,000 | $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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bell Bank's 2013 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.
For a list of all lenders in North Dakota, download the full spreadsheet
with aggregated HMDA statistics today.
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