Bell Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Bell Bank 2016 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 | 12,632 |
| Total Mortgage Loan Application Amount | $2,938,464,000 |
| Average Mortgage Loan Application Amount | $208,000 |
| Highest Mortgage Loan Application Amount | $19,500,000 |
| Average Applicant Income | $102,666 |
| Highest Applicant Income | $2,400,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 3,349 | $ 827,117,000 | $ 246,000 | $ 112,000 |
| Dakota County Minnesota | 1,295 | $ 281,417,000 | $ 217,000 | $ 93,000 |
| Anoka County Minnesota | 1,142 | $ 244,636,000 | $ 214,000 | $ 87,000 |
| Ramsey County Minnesota | 1,061 | $ 239,003,000 | $ 225,000 | $ 90,000 |
| Maricopa County Arizona | 909 | $ 216,001,000 | $ 237,000 | $ 106,000 |
| Washington County Minnesota | 760 | $ 183,318,000 | $ 241,000 | $ 101,000 |
| Cass County North Dakota | 664 | $ 184,628,000 | $ 278,000 | $ 104,000 |
| Scott County Minnesota | 450 | $ 115,584,000 | $ 256,000 | $ 106,000 |
| Carver County Minnesota | 343 | $ 87,250,000 | $ 254,000 | $ 124,000 |
| Wright County Minnesota | 322 | $ 76,577,000 | $ 237,000 | $ 96,000 |
| Clay County Minnesota | 263 | $ 37,328,000 | $ 141,000 | $ 78,000 |
| Sherburne County Minnesota | 220 | $ 46,591,000 | $ 211,000 | $ 84,000 |
| Olmsted County Minnesota | 186 | $ 34,550,000 | $ 185,000 | $ 95,000 |
| Otter Tail County Minnesota | 173 | $ 24,940,000 | $ 144,000 | $ 102,000 |
| Goodhue County Minnesota | 149 | $ 26,135,000 | $ 175,000 | $ 68,000 |
| Becker County Minnesota | 136 | $ 20,293,000 | $ 149,000 | $ 107,000 |
| Chisago County Minnesota | 106 | $ 22,597,000 | $ 213,000 | $ 84,000 |
| St. Croix County Wisconsin | 88 | $ 25,586,000 | $ 290,000 | $ 114,000 |
| Douglas County Minnesota | 84 | $ 16,451,000 | $ 195,000 | $ 122,000 |
| Rice County Minnesota | 81 | $ 17,464,000 | $ 215,000 | $ 84,000 |
| Pinal County Arizona | 74 | $ 13,762,000 | $ 185,000 | $ 69,000 |
| Isanti County Minnesota | 73 | $ 14,625,000 | $ 200,000 | $ 78,000 |
| Stearns County Minnesota | 70 | $ 14,461,000 | $ 206,000 | $ 80,000 |
| Richland County North Dakota | 70 | $ 11,715,000 | $ 167,000 | $ 69,000 |
| Crow Wing County Minnesota | 36 | $ 8,160,000 | $ 226,000 | $ 176,000 |
| Le Sueur County Minnesota | 27 | $ 5,053,000 | $ 187,000 | $ 66,000 |
| Benton County Minnesota | 24 | $ 4,000,000 | $ 166,000 | $ 67,000 |
| St. Louis County Minnesota | 24 | $ 4,633,000 | $ 193,000 | $ 97,000 |
| Pierce County Wisconsin | 24 | $ 4,001,000 | $ 166,000 | $ 82,000 |
| McLeod County Minnesota | 23 | $ 3,927,000 | $ 170,000 | $ 65,000 |
| Mille Lacs County Minnesota | 22 | $ 3,584,000 | $ 162,000 | $ 86,000 |
| Dodge County Minnesota | 19 | $ 3,163,000 | $ 166,000 | $ 66,000 |
| Cass County Minnesota | 16 | $ 3,382,000 | $ 211,000 | $ 137,000 |
| Polk County Wisconsin | 16 | $ 3,873,000 | $ 242,000 | $ 129,000 |
| Aitkin County Minnesota | 15 | $ 2,711,000 | $ 180,000 | $ 127,000 |
| Pima County Arizona | 14 | $ 2,629,000 | $ 187,000 | $ 117,000 |
| Burnett County Wisconsin | 14 | $ 2,679,000 | $ 191,000 | $ 121,000 |
| Pine County Minnesota | 13 | $ 2,089,000 | $ 160,000 | $ 98,000 |
| Hubbard County Minnesota | 12 | $ 2,095,000 | $ 174,000 | $ 169,000 |
| Morrison County Minnesota | 12 | $ 2,068,000 | $ 172,000 | $ 88,000 |
| Wilkin County Minnesota | 12 | $ 1,266,000 | $ 105,000 | $ 79,000 |
| Lee County Florida | 11 | $ 3,324,000 | $ 302,000 | $ 175,000 |
| Steele County Minnesota | 11 | $ 1,962,000 | $ 178,000 | $ 84,000 |
| Itasca County Minnesota | 9 | $ 1,701,000 | $ 189,000 | $ 96,000 |
| Pope County Minnesota | 9 | $ 1,413,000 | $ 157,000 | $ 75,000 |
| Wabasha County Minnesota | 8 | $ 1,386,000 | $ 173,000 | $ 84,000 |
| Fillmore County Minnesota | 7 | $ 946,000 | $ 135,000 | $ 60,000 |
| Nicollet County Minnesota | 7 | $ 1,586,000 | $ 226,000 | $ 150,000 |
| Beltrami County Minnesota | 6 | $ 1,203,000 | $ 200,000 | $ 67,000 |
| Cook County Minnesota | 6 | $ 1,502,000 | $ 250,000 | $ 245,000 |
| Faribault County Minnesota | 6 | $ 832,000 | $ 138,000 | $ 46,000 |
| Meeker County Minnesota | 6 | $ 946,000 | $ 157,000 | $ 76,000 |
| Grand Forks County North Dakota | 6 | $ 21,997,000 | $ 3,666,000 | $ 140,000 |
| Washburn County Wisconsin | 6 | $ 1,367,000 | $ 227,000 | $ 241,000 |
| Coconino County Arizona | 5 | $ 1,667,000 | $ 333,000 | $ 151,000 |
| Navajo County Arizona | 5 | $ 868,000 | $ 173,000 | $ 117,000 |
| Collier County Florida | 5 | $ 3,084,000 | $ 616,000 | $ 296,000 |
| Grant County Minnesota | 5 | $ 705,000 | $ 141,000 | $ 49,000 |
| Norman County Minnesota | 5 | $ 458,000 | $ 91,000 | $ 59,000 |
| Todd County Minnesota | 5 | $ 1,045,000 | $ 209,000 | $ 76,000 |
| Wadena County Minnesota | 5 | $ 700,000 | $ 140,000 | $ 67,000 |
| Sargent County North Dakota | 5 | $ 1,253,000 | $ 250,000 | $ 58,000 |
| Dunn County Wisconsin | 5 | $ 739,000 | $ 147,000 | $ 101,000 |
| Sawyer County Wisconsin | 5 | $ 1,271,000 | $ 254,000 | $ 155,000 |
| Yavapai County Arizona | 4 | $ 871,000 | $ 217,000 | $ 77,000 |
| Blue Earth County Minnesota | 4 | $ 934,000 | $ 233,000 | $ 99,000 |
| Winona County Minnesota | 4 | $ 699,000 | $ 174,000 | $ 101,000 |
| Mohave County Arizona | 3 | $ 558,000 | $ 186,000 | $ 183,000 |
| Lake County Minnesota | 3 | $ 669,000 | $ 223,000 | $ 116,000 |
| Sibley County Minnesota | 3 | $ 648,000 | $ 216,000 | $ 84,000 |
| Burleigh County North Dakota | 3 | $ 17,461,000 | $ 5,820,000 | $ 178,000 |
| Barron County Wisconsin | 3 | $ 950,000 | $ 316,000 | $ 307,000 |
| St. Lucie County Florida | 2 | $ 298,000 | $ 149,000 | $ 163,000 |
| Kanabec County Minnesota | 2 | $ 319,000 | $ 159,000 | $ 110,000 |
| Kandiyohi County Minnesota | 2 | $ 653,000 | $ 326,000 | $ 275,000 |
| Lyon County Minnesota | 2 | $ 341,000 | $ 170,000 | $ 68,000 |
| Mahnomen County Minnesota | 2 | $ 162,000 | $ 81,000 | $ 72,000 |
| Mower County Minnesota | 2 | $ 178,000 | $ 89,000 | $ 50,000 |
| Redwood County Minnesota | 2 | $ 2,381,000 | $ 1,190,000 | $ 0 |
| Stevens County Minnesota | 2 | $ 164,000 | $ 82,000 | $ 25,000 |
| Ransom County North Dakota | 2 | $ 307,000 | $ 153,000 | $ 91,000 |
| Minnehaha County South Dakota | 2 | $ 2,928,000 | $ 1,464,000 | $ 0 |
| Eau Claire County Wisconsin | 2 | $ 555,000 | $ 277,000 | $ 139,000 |
| Milwaukee County Wisconsin | 2 | $ 361,000 | $ 180,000 | $ 164,000 |
| Waukesha County Wisconsin | 2 | $ 544,000 | $ 272,000 | $ 135,000 |
| Cochise County Arizona | 1 | $ 164,000 | $ 164,000 | $ 161,000 |
| Gila County Arizona | 1 | $ 304,000 | $ 304,000 | $ 491,000 |
| Larimer County Colorado | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Bay County Florida | 1 | $ 96,000 | $ 96,000 | $ 152,000 |
| Brevard County Florida | 1 | $ 244,000 | $ 244,000 | $ 554,000 |
| Broward County Florida | 1 | $ 236,000 | $ 236,000 | $ 80,000 |
| Charlotte County Florida | 1 | $ 289,000 | $ 289,000 | $ 88,000 |
| Duval County Florida | 1 | $ 199,000 | $ 199,000 | $ 80,000 |
| Hillsborough County Florida | 1 | $ 376,000 | $ 376,000 | $ 106,000 |
| Lake County Florida | 1 | $ 79,000 | $ 79,000 | $ 110,000 |
| Miami-Dade County Florida | 1 | $ 134,000 | $ 134,000 | $ 72,000 |
| Okaloosa County Florida | 1 | $ 417,000 | $ 417,000 | $ 335,000 |
| Orange County Florida | 1 | $ 344,000 | $ 344,000 | $ 196,000 |
| Palm Beach County Florida | 1 | $ 120,000 | $ 120,000 | $ 143,000 |
| Sarasota County Florida | 1 | $ 244,000 | $ 244,000 | $ 180,000 |
| Volusia County Florida | 1 | $ 250,000 | $ 250,000 | $ 111,000 |
| Walton County Florida | 1 | $ 350,000 | $ 350,000 | $ 597,000 |
| Carlton County Minnesota | 1 | $ 140,000 | $ 140,000 | $ 129,000 |
| Clearwater County Minnesota | 1 | $ 161,000 | $ 161,000 | $ 58,000 |
| Freeborn County Minnesota | 1 | $ 152,000 | $ 152,000 | $ 67,000 |
| Martin County Minnesota | 1 | $ 158,000 | $ 158,000 | $ 56,000 |
| Pennington County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 40,000 |
| Waseca County Minnesota | 1 | $ 309,000 | $ 309,000 | $ 91,000 |
| Barnes County North Dakota | 1 | $ 172,000 | $ 172,000 | $ 50,000 |
| Morton County North Dakota | 1 | $ 3,565,000 | $ 3,565,000 | $ 0 |
| Stark County North Dakota | 1 | $ 420,000 | $ 420,000 | $ 377,000 |
| Stutsman County North Dakota | 1 | $ 57,000 | $ 57,000 | $ 50,000 |
| Ward County North Dakota | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Williams County North Dakota | 1 | $ 300,000 | $ 300,000 | $ 120,000 |
| Ashland County Wisconsin | 1 | $ 59,000 | $ 59,000 | $ 123,000 |
| Bayfield County Wisconsin | 1 | $ 348,000 | $ 348,000 | $ 280,000 |
| Buffalo County Wisconsin | 1 | $ 112,000 | $ 112,000 | $ 53,000 |
| Columbia County Wisconsin | 1 | $ 198,000 | $ 198,000 | $ 131,000 |
| Dane County Wisconsin | 1 | $ 1,300,000 | $ 1,300,000 | $ 0 |
| Douglas County Wisconsin | 1 | $ 98,000 | $ 98,000 | $ 22,000 |
| La Crosse County Wisconsin | 1 | $ 177,000 | $ 177,000 | $ 46,000 |
| Monroe County Wisconsin | 1 | $ 267,000 | $ 267,000 | $ 133,000 |
| Pepin County Wisconsin | 1 | $ 70,000 | $ 70,000 | $ 23,000 |
| Walworth County Wisconsin | 1 | $ 140,000 | $ 140,000 | $ 254,000 |
| Washington County Wisconsin | 1 | $ 258,000 | $ 258,000 | $ 57,000 |
Mortgage Loan Application Detail Totals for Bell Bank in 2016
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 | 8,767 | $2,004,050,000 | $228,000 | $17,886,000 | $96,000 | $1,963,000 |
| Refinancing | 3,571 | $890,942,000 | $249,000 | $19,500,000 | $112,000 | $2,400,000 |
| Home Improvement | 294 | $43,472,000 | $147,000 | $17,106,000 | $100,000 | $726,000 |
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 | 10,930 | $2,400,425,000 | $219,000 | $2,756,000 | $103,000 | $2,400,000 |
| Not Provided | 615 | $146,094,000 | $237,000 | $1,425,000 | $114,000 | $1,254,000 |
| Asian | 435 | $92,195,000 | $211,000 | $1,136,000 | $84,000 | $579,000 |
| Black or African American | 285 | $56,564,000 | $198,000 | $472,000 | $74,000 | $303,000 |
| Hispanic | 208 | $42,042,000 | $202,000 | $884,000 | $82,000 | $674,000 |
| Not applicable | 113 | $191,668,000 | $1,696,000 | $19,500,000 | $0 | $0 |
| American Indian or Alaskan Native | 29 | $5,136,000 | $177,000 | $364,000 | $83,000 | $320,000 |
| Native Hawaiin or Other Pacific Islander | 17 | $4,340,000 | $255,000 | $417,000 | $121,000 | $237,000 |
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) | 9,597 | $2,302,657,000 | $239,000 | $19,500,000 | $110,000 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 2,247 | $449,035,000 | $199,000 | $393,000 | $67,000 | $678,000 |
| VA-guaranteed (Veterans Administration) | 620 | $158,379,000 | $255,000 | $835,000 | $85,000 | $302,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 168 | $28,393,000 | $169,000 | $356,000 | $56,000 | $104,000 |
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 | 10,528 | $2,467,638,000 | $234,000 | $19,500,000 | $100,000 | $2,400,000 |
| Application Withdrawn By Applicant | 1,605 | $370,726,000 | $230,000 | $1,755,000 | $110,000 | $1,014,000 |
| Application Denied By Financial Institution | 458 | $92,602,000 | $202,000 | $1,556,000 | $80,000 | $750,000 |
| Application Approved But Not Accepted | 40 | $7,328,000 | $183,000 | $417,000 | $110,000 | $674,000 |
| File Closed For Incompleteness | 1 | $170,000 | $170,000 | $170,000 | $100,000 | $100,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 2016 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.