Bell Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Bell Bank 2015 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 | 12,444 |
| Total Mortgage Loan Application Amount | $2,740,601,000 |
| Average Mortgage Loan Application Amount | $209,333 |
| Highest Mortgage Loan Application Amount | $21,500,000 |
| Average Applicant Income | $101,000 |
| Highest Applicant Income | $8,144,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 3,145 | $ 729,745,000 | $ 232,000 | $ 106,000 |
| Dakota County Minnesota | 1,286 | $ 269,386,000 | $ 209,000 | $ 90,000 |
| Anoka County Minnesota | 1,145 | $ 235,321,000 | $ 205,000 | $ 85,000 |
| Ramsey County Minnesota | 991 | $ 192,869,000 | $ 194,000 | $ 97,000 |
| Maricopa County Arizona | 886 | $ 201,713,000 | $ 227,000 | $ 93,000 |
| Cass County North Dakota | 684 | $ 169,320,000 | $ 247,000 | $ 110,000 |
| Washington County Minnesota | 661 | $ 153,628,000 | $ 232,000 | $ 105,000 |
| Scott County Minnesota | 481 | $ 116,839,000 | $ 242,000 | $ 99,000 |
| Carver County Minnesota | 381 | $ 99,213,000 | $ 260,000 | $ 119,000 |
| Wright County Minnesota | 379 | $ 79,786,000 | $ 210,000 | $ 84,000 |
| Clay County Minnesota | 289 | $ 40,736,000 | $ 140,000 | $ 75,000 |
| Sherburne County Minnesota | 241 | $ 49,000,000 | $ 203,000 | $ 79,000 |
| Otter Tail County Minnesota | 201 | $ 30,376,000 | $ 151,000 | $ 113,000 |
| Olmsted County Minnesota | 174 | $ 35,516,000 | $ 204,000 | $ 81,000 |
| Becker County Minnesota | 126 | $ 19,488,000 | $ 154,000 | $ 123,000 |
| Douglas County Minnesota | 120 | $ 20,920,000 | $ 174,000 | $ 97,000 |
| Goodhue County Minnesota | 115 | $ 19,615,000 | $ 170,000 | $ 66,000 |
| Chisago County Minnesota | 102 | $ 20,108,000 | $ 197,000 | $ 75,000 |
| Pinal County Arizona | 79 | $ 14,508,000 | $ 183,000 | $ 84,000 |
| Isanti County Minnesota | 74 | $ 11,877,000 | $ 160,000 | $ 74,000 |
| Rice County Minnesota | 74 | $ 15,557,000 | $ 210,000 | $ 88,000 |
| St. Croix County Wisconsin | 67 | $ 18,121,000 | $ 270,000 | $ 98,000 |
| Richland County North Dakota | 57 | $ 10,100,000 | $ 177,000 | $ 69,000 |
| Stearns County Minnesota | 47 | $ 8,907,000 | $ 189,000 | $ 99,000 |
| Crow Wing County Minnesota | 26 | $ 6,642,000 | $ 255,000 | $ 151,000 |
| Le Sueur County Minnesota | 25 | $ 5,672,000 | $ 226,000 | $ 86,000 |
| Cass County Minnesota | 24 | $ 5,238,000 | $ 218,000 | $ 169,000 |
| Wilkin County Minnesota | 24 | $ 2,721,000 | $ 113,000 | $ 75,000 |
| Pierce County Wisconsin | 24 | $ 5,379,000 | $ 224,000 | $ 91,000 |
| Polk County Wisconsin | 24 | $ 4,452,000 | $ 185,000 | $ 87,000 |
| McLeod County Minnesota | 22 | $ 3,676,000 | $ 167,000 | $ 70,000 |
| St. Louis County Minnesota | 22 | $ 4,531,000 | $ 205,000 | $ 105,000 |
| Benton County Minnesota | 18 | $ 2,458,000 | $ 136,000 | $ 73,000 |
| Kanabec County Minnesota | 15 | $ 2,465,000 | $ 164,000 | $ 67,000 |
| Pine County Minnesota | 15 | $ 1,913,000 | $ 127,000 | $ 71,000 |
| Dodge County Minnesota | 14 | $ 2,002,000 | $ 143,000 | $ 60,000 |
| Lee County Florida | 13 | $ 2,458,000 | $ 189,000 | $ 207,000 |
| Aitkin County Minnesota | 13 | $ 2,128,000 | $ 163,000 | $ 137,000 |
| Grand Forks County North Dakota | 13 | $ 14,573,000 | $ 1,121,000 | $ 138,000 |
| Mille Lacs County Minnesota | 11 | $ 1,786,000 | $ 162,000 | $ 111,000 |
| Hubbard County Minnesota | 10 | $ 1,913,000 | $ 191,000 | $ 115,000 |
| Blue Earth County Minnesota | 9 | $ 11,152,000 | $ 1,239,000 | $ 111,000 |
| Sibley County Minnesota | 9 | $ 1,058,000 | $ 117,000 | $ 55,000 |
| Pima County Arizona | 8 | $ 2,204,000 | $ 275,000 | $ 125,000 |
| Yavapai County Arizona | 8 | $ 1,461,000 | $ 182,000 | $ 88,000 |
| Beltrami County Minnesota | 8 | $ 1,111,000 | $ 138,000 | $ 68,000 |
| Wabasha County Minnesota | 8 | $ 1,219,000 | $ 152,000 | $ 63,000 |
| Itasca County Minnesota | 7 | $ 1,341,000 | $ 191,000 | $ 120,000 |
| Winona County Minnesota | 7 | $ 781,000 | $ 111,000 | $ 69,000 |
| Coconino County Arizona | 6 | $ 1,546,000 | $ 257,000 | $ 130,000 |
| Gila County Arizona | 6 | $ 523,000 | $ 87,000 | $ 67,000 |
| Grant County Minnesota | 6 | $ 590,000 | $ 98,000 | $ 49,000 |
| Meeker County Minnesota | 6 | $ 1,177,000 | $ 196,000 | $ 91,000 |
| Norman County Minnesota | 6 | $ 451,000 | $ 75,000 | $ 51,000 |
| Traill County North Dakota | 6 | $ 602,000 | $ 100,000 | $ 87,000 |
| Burnett County Wisconsin | 6 | $ 1,067,000 | $ 177,000 | $ 162,000 |
| Collier County Florida | 5 | $ 2,594,000 | $ 518,000 | $ 365,000 |
| Cook County Minnesota | 5 | $ 907,000 | $ 181,000 | $ 101,000 |
| Navajo County Arizona | 4 | $ 749,000 | $ 187,000 | $ 230,000 |
| Kandiyohi County Minnesota | 4 | $ 787,000 | $ 196,000 | $ 133,000 |
| Morrison County Minnesota | 4 | $ 842,000 | $ 210,000 | $ 80,000 |
| Pope County Minnesota | 4 | $ 461,000 | $ 115,000 | $ 57,000 |
| Todd County Minnesota | 4 | $ 906,000 | $ 226,000 | $ 173,000 |
| Burleigh County North Dakota | 4 | $ 5,265,000 | $ 1,316,000 | $ 36,000 |
| Brown County Minnesota | 3 | $ 357,000 | $ 119,000 | $ 42,000 |
| Faribault County Minnesota | 3 | $ 342,000 | $ 114,000 | $ 72,000 |
| Fillmore County Minnesota | 3 | $ 545,000 | $ 181,000 | $ 111,000 |
| Mower County Minnesota | 3 | $ 1,122,000 | $ 374,000 | $ 125,000 |
| Nicollet County Minnesota | 3 | $ 678,000 | $ 226,000 | $ 61,000 |
| Polk County Minnesota | 3 | $ 424,000 | $ 141,000 | $ 173,000 |
| Steele County Minnesota | 3 | $ 380,000 | $ 126,000 | $ 112,000 |
| Stevens County Minnesota | 3 | $ 773,000 | $ 257,000 | $ 124,000 |
| Ransom County North Dakota | 3 | $ 448,000 | $ 149,000 | $ 89,000 |
| Stutsman County North Dakota | 3 | $ 2,969,000 | $ 989,000 | $ 0 |
| Minnehaha County South Dakota | 3 | $ 7,475,000 | $ 2,491,000 | $ 26,000 |
| Barron County Wisconsin | 3 | $ 370,000 | $ 123,000 | $ 45,000 |
| Eau Claire County Wisconsin | 3 | $ 7,316,000 | $ 2,438,000 | $ 53,000 |
| Milwaukee County Wisconsin | 3 | $ 795,000 | $ 265,000 | $ 131,000 |
| Washburn County Wisconsin | 3 | $ 854,000 | $ 284,000 | $ 303,000 |
| Waukesha County Wisconsin | 3 | $ 664,000 | $ 221,000 | $ 63,000 |
| Mohave County Arizona | 2 | $ 276,000 | $ 138,000 | $ 92,000 |
| Brevard County Florida | 2 | $ 387,000 | $ 193,000 | $ 187,000 |
| Lake County Florida | 2 | $ 287,000 | $ 143,000 | $ 102,000 |
| Sarasota County Florida | 2 | $ 624,000 | $ 312,000 | $ 283,000 |
| Volusia County Florida | 2 | $ 348,000 | $ 174,000 | $ 97,000 |
| Carlton County Minnesota | 2 | $ 476,000 | $ 238,000 | $ 127,000 |
| Lake County Minnesota | 2 | $ 375,000 | $ 187,000 | $ 85,000 |
| Lyon County Minnesota | 2 | $ 474,000 | $ 237,000 | $ 94,000 |
| Waseca County Minnesota | 2 | $ 287,000 | $ 143,000 | $ 51,000 |
| Bayfield County Wisconsin | 2 | $ 158,000 | $ 79,000 | $ 136,000 |
| Sawyer County Wisconsin | 2 | $ 364,000 | $ 182,000 | $ 202,000 |
| Summit County Colorado | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Clay County Florida | 1 | $ 218,000 | $ 218,000 | $ 100,000 |
| Hillsborough County Florida | 1 | $ 287,000 | $ 287,000 | $ 387,000 |
| Orange County Florida | 1 | $ 800,000 | $ 800,000 | $ 250,000 |
| Montgomery County Iowa | 1 | $ 1,827,000 | $ 1,827,000 | $ 0 |
| Big Stone County Minnesota | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Cottonwood County Minnesota | 1 | $ 102,000 | $ 102,000 | $ 50,000 |
| Freeborn County Minnesota | 1 | $ 110,000 | $ 110,000 | $ 148,000 |
| Lake of the Woods County Minnesota | 1 | $ 170,000 | $ 170,000 | $ 72,000 |
| Mahnomen County Minnesota | 1 | $ 38,000 | $ 38,000 | $ 79,000 |
| Martin County Minnesota | 1 | $ 76,000 | $ 76,000 | $ 73,000 |
| Pennington County Minnesota | 1 | $ 1,650,000 | $ 1,650,000 | $ 0 |
| Redwood County Minnesota | 1 | $ 510,000 | $ 510,000 | $ 0 |
| Rock County Minnesota | 1 | $ 122,000 | $ 122,000 | $ 49,000 |
| Swift County Minnesota | 1 | $ 61,000 | $ 61,000 | $ 40,000 |
| Watonwan County Minnesota | 1 | $ 88,000 | $ 88,000 | $ 93,000 |
| Yellowstone County Montana | 1 | $ 5,200,000 | $ 5,200,000 | $ 0 |
| Morton County North Dakota | 1 | $ 14,250,000 | $ 14,250,000 | $ 0 |
| Sargent County North Dakota | 1 | $ 35,000 | $ 35,000 | $ 99,000 |
| Steele County North Dakota | 1 | $ 133,000 | $ 133,000 | $ 132,000 |
| Williams County North Dakota | 1 | $ 152,000 | $ 152,000 | $ 63,000 |
| Chippewa County Wisconsin | 1 | $ 177,000 | $ 177,000 | $ 106,000 |
| Dane County Wisconsin | 1 | $ 269,000 | $ 269,000 | $ 107,000 |
| Dodge County Wisconsin | 1 | $ 64,000 | $ 64,000 | $ 36,000 |
| Douglas County Wisconsin | 1 | $ 131,000 | $ 131,000 | $ 84,000 |
| Dunn County Wisconsin | 1 | $ 147,000 | $ 147,000 | $ 94,000 |
| Oneida County Wisconsin | 1 | $ 221,000 | $ 221,000 | $ 110,000 |
| Pepin County Wisconsin | 1 | $ 79,000 | $ 79,000 | $ 81,000 |
| Portage County Wisconsin | 1 | $ 142,000 | $ 142,000 | $ 49,000 |
| Rusk County Wisconsin | 1 | $ 138,000 | $ 138,000 | $ 141,000 |
| Sheboygan County Wisconsin | 1 | $ 136,000 | $ 136,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Bell Bank in 2015
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 | 8,935 | $1,942,268,000 | $217,000 | $10,000,000 | $94,000 | $4,085,000 |
| Refinancing | 3,224 | $746,914,000 | $231,000 | $14,250,000 | $105,000 | $8,144,000 |
| Home Improvement | 285 | $51,419,000 | $180,000 | $21,500,000 | $104,000 | $1,836,000 |
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 | 10,844 | $2,288,318,000 | $211,000 | $1,850,000 | $100,000 | $8,144,000 |
| Not Provided | 502 | $108,989,000 | $217,000 | $1,467,000 | $104,000 | $1,202,000 |
| Asian | 453 | $89,009,000 | $196,000 | $475,000 | $82,000 | $565,000 |
| Black or African American | 252 | $48,228,000 | $191,000 | $638,000 | $78,000 | $400,000 |
| Hispanic | 219 | $42,361,000 | $193,000 | $900,000 | $73,000 | $614,000 |
| Not applicable | 117 | $153,314,000 | $1,310,000 | $21,500,000 | $0 | $0 |
| American Indian or Alaskan Native | 35 | $5,953,000 | $170,000 | $417,000 | $72,000 | $199,000 |
| Native Hawaiian or Other Pacific Islander | 22 | $4,429,000 | $201,000 | $488,000 | $82,000 | $208,000 |
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) | 8,811 | $2,018,396,000 | $229,000 | $21,500,000 | $110,000 | $8,144,000 |
| FHA-insured (Federal Housing Administration) | 2,817 | $543,043,000 | $192,000 | $419,000 | $63,000 | $413,000 |
| VA-guaranteed (Veterans Administration) | 642 | $152,823,000 | $238,000 | $590,000 | $79,000 | $305,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 174 | $26,339,000 | $151,000 | $342,000 | $55,000 | $137,000 |
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 | 10,334 | $2,296,240,000 | $222,000 | $21,500,000 | $97,000 | $8,144,000 |
| Application Withdrawn By Applicant | 1,551 | $346,203,000 | $223,000 | $1,500,000 | $105,000 | $1,882,000 |
| Application Denied By Financial Institution | 444 | $82,177,000 | $185,000 | $662,000 | $84,000 | $1,050,000 |
| Preapproval Denied by Financial Institution | 85 | $11,228,000 | $132,000 | $342,000 | $47,000 | $281,000 |
| Application Approved But Not Accepted | 25 | $3,721,000 | $148,000 | $356,000 | $78,000 | $179,000 |
| File Closed For Incompleteness | 5 | $1,032,000 | $206,000 | $400,000 | $32,000 | $70,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2015 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.