Bell Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Bell Bank 2018 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 | 11,203 |
| Total Mortgage Loan Application Amount | $2,552,705,000 |
| Average Mortgage Loan Application Amount | $178,833 |
| Highest Mortgage Loan Application Amount | $8,905,000 |
| Average Applicant Income | $108,333 |
| Highest Applicant Income | $3,708,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 2,684 | $ 705,240,000 | $ 262,000 | $ 136,000 |
| Dakota County Minnesota | 987 | $ 232,625,000 | $ 235,000 | $ 104,000 |
| Maricopa County Arizona | 898 | $ 237,270,000 | $ 264,000 | $ 116,000 |
| Ramsey County Minnesota | 874 | $ 197,650,000 | $ 226,000 | $ 104,000 |
| Cass County North Dakota | 809 | $ 129,775,000 | $ 160,000 | $ 142,000 |
| Anoka County Minnesota | 765 | $ 177,485,000 | $ 232,000 | $ 96,000 |
| Washington County Minnesota | 719 | $ 178,075,000 | $ 247,000 | $ 124,000 |
| Clay County Minnesota | 374 | $ 45,880,000 | $ 122,000 | $ 94,000 |
| Scott County Minnesota | 302 | $ 80,020,000 | $ 264,000 | $ 137,000 |
| Carver County Minnesota | 268 | $ 68,040,000 | $ 253,000 | $ 136,000 |
| Wright County Minnesota | 257 | $ 57,375,000 | $ 223,000 | $ 111,000 |
| Otter Tail County Minnesota | 232 | $ 28,790,000 | $ 124,000 | $ 92,000 |
| Becker County Minnesota | 205 | $ 25,425,000 | $ 124,000 | $ 116,000 |
| Olmsted County Minnesota | 183 | $ 36,135,000 | $ 197,000 | $ 86,000 |
| Sherburne County Minnesota | 162 | $ 36,530,000 | $ 225,000 | $ 98,000 |
| Douglas County Minnesota | 160 | $ 22,530,000 | $ 140,000 | $ 101,000 |
| St. Croix County Wisconsin | 103 | $ 24,755,000 | $ 240,000 | $ 108,000 |
| Pinal County Arizona | 93 | $ 19,365,000 | $ 208,000 | $ 83,000 |
| Goodhue County Minnesota | 93 | $ 16,425,000 | $ 176,000 | $ 71,000 |
| Chisago County Minnesota | 89 | $ 20,355,000 | $ 228,000 | $ 97,000 |
| Isanti County Minnesota | 82 | $ 18,030,000 | $ 219,000 | $ 78,000 |
| Rice County Minnesota | 70 | $ 16,060,000 | $ 229,000 | $ 99,000 |
| Richland County North Dakota | 63 | $ 5,665,000 | $ 89,000 | $ 82,000 |
| Stearns County Minnesota | 50 | $ 9,540,000 | $ 190,000 | $ 83,000 |
| Pierce County Wisconsin | 42 | $ 8,030,000 | $ 191,000 | $ 90,000 |
| Wilkin County Minnesota | 32 | $ 2,750,000 | $ 85,000 | $ 64,000 |
| Crow Wing County Minnesota | 30 | $ 6,910,000 | $ 230,000 | $ 161,000 |
| Le Sueur County Minnesota | 23 | $ 5,055,000 | $ 219,000 | $ 96,000 |
| Pima County Arizona | 21 | $ 4,695,000 | $ 223,000 | $ 250,000 |
| Mille Lacs County Minnesota | 21 | $ 4,285,000 | $ 204,000 | $ 81,000 |
| Lee County Florida | 20 | $ 5,530,000 | $ 276,000 | $ 192,000 |
| Benton County Minnesota | 20 | $ 4,060,000 | $ 203,000 | $ 113,000 |
| St. Louis County Minnesota | 18 | $ 4,630,000 | $ 257,000 | $ 135,000 |
| Polk County Wisconsin | 18 | $ 3,240,000 | $ 180,000 | $ 106,000 |
| Kanabec County Minnesota | 17 | $ 2,775,000 | $ 163,000 | $ 75,000 |
| Cass County Minnesota | 16 | $ 3,350,000 | $ 209,000 | $ 173,000 |
| Dodge County Minnesota | 15 | $ 3,205,000 | $ 213,000 | $ 64,000 |
| Hubbard County Minnesota | 14 | $ 3,340,000 | $ 238,000 | $ 178,000 |
| McLeod County Minnesota | 14 | $ 2,560,000 | $ 182,000 | $ 70,000 |
| Pine County Minnesota | 14 | $ 2,460,000 | $ 175,000 | $ 94,000 |
| Waukesha County Wisconsin | 14 | $ 3,750,000 | $ 267,000 | $ 107,000 |
| Milwaukee County Wisconsin | 12 | $ 1,670,000 | $ 139,000 | $ 95,000 |
| Washington County Wisconsin | 10 | $ 2,390,000 | $ 239,000 | $ 115,000 |
| Fillmore County Minnesota | 9 | $ 1,965,000 | $ 218,000 | $ 89,000 |
| Steele County Minnesota | 9 | $ 1,625,000 | $ 180,000 | $ 89,000 |
| Yavapai County Arizona | 8 | $ 2,740,000 | $ 342,000 | $ 145,000 |
| Aitkin County Minnesota | 8 | $ 1,440,000 | $ 180,000 | $ 215,000 |
| Carlton County Minnesota | 8 | $ 1,440,000 | $ 180,000 | $ 68,000 |
| Meeker County Minnesota | 8 | $ 1,700,000 | $ 212,000 | $ 109,000 |
| Pope County Minnesota | 8 | $ 1,400,000 | $ 175,000 | $ 161,000 |
| Curry County New Mexico | 8 | $ 1,060,000 | $ 132,000 | $ 78,000 |
| Navajo County Arizona | 7 | $ 1,215,000 | $ 173,000 | $ 89,000 |
| Itasca County Minnesota | 7 | $ 1,615,000 | $ 230,000 | $ 152,000 |
| Norman County Minnesota | 7 | $ 385,000 | $ 55,000 | $ 57,000 |
| Sibley County Minnesota | 7 | $ 1,505,000 | $ 215,000 | $ 73,000 |
| Barron County Wisconsin | 7 | $ 1,445,000 | $ 206,000 | $ 150,000 |
| Burnett County Wisconsin | 7 | $ 1,275,000 | $ 182,000 | $ 99,000 |
| Sawyer County Wisconsin | 7 | $ 2,495,000 | $ 356,000 | $ 206,000 |
| Blue Earth County Minnesota | 6 | $ 1,190,000 | $ 198,000 | $ 64,000 |
| Coconino County Arizona | 5 | $ 1,865,000 | $ 373,000 | $ 191,000 |
| Palm Beach County Florida | 5 | $ 1,925,000 | $ 385,000 | $ 143,000 |
| Grant County Minnesota | 5 | $ 545,000 | $ 109,000 | $ 91,000 |
| Morrison County Minnesota | 5 | $ 855,000 | $ 171,000 | $ 177,000 |
| Mower County Minnesota | 5 | $ 465,000 | $ 93,000 | $ 51,000 |
| Nicollet County Minnesota | 5 | $ 1,215,000 | $ 243,000 | $ 176,000 |
| Wabasha County Minnesota | 5 | $ 915,000 | $ 183,000 | $ 79,000 |
| Winona County Minnesota | 5 | $ 715,000 | $ 143,000 | $ 67,000 |
| Bernalillo County New Mexico | 5 | $ 645,000 | $ 129,000 | $ 163,000 |
| Eau Claire County Wisconsin | 5 | $ 1,455,000 | $ 291,000 | $ 107,000 |
| Gila County Arizona | 4 | $ 780,000 | $ 195,000 | $ 103,000 |
| Beltrami County Minnesota | 4 | $ 480,000 | $ 120,000 | $ 142,000 |
| Brown County Minnesota | 4 | $ 430,000 | $ 107,000 | $ 103,000 |
| Kandiyohi County Minnesota | 4 | $ 470,000 | $ 117,000 | $ 98,000 |
| Renville County Minnesota | 4 | $ 640,000 | $ 160,000 | $ 37,000 |
| Todd County Minnesota | 4 | $ 750,000 | $ 187,000 | $ 136,000 |
| Burleigh County North Dakota | 4 | $ 9,050,000 | $ 2,262,000 | $ 53,000 |
| Grand Forks County North Dakota | 4 | $ 10,810,000 | $ 2,702,000 | $ 0 |
| Washburn County Wisconsin | 4 | $ 660,000 | $ 165,000 | $ 148,000 |
| Lake County Minnesota | 3 | $ 1,465,000 | $ 488,000 | $ 218,000 |
| Waseca County Minnesota | 3 | $ 435,000 | $ 145,000 | $ 79,000 |
| Barnes County North Dakota | 3 | $ 565,000 | $ 188,000 | $ 155,000 |
| Brown County South Dakota | 3 | $ 3,185,000 | $ 1,061,000 | $ 0 |
| Douglas County Wisconsin | 3 | $ 825,000 | $ 275,000 | $ 140,000 |
| Dunn County Wisconsin | 3 | $ 655,000 | $ 218,000 | $ 123,000 |
| Douglas County Colorado | 2 | $ 780,000 | $ 390,000 | $ 128,000 |
| Brevard County Florida | 2 | $ 300,000 | $ 150,000 | $ 142,000 |
| Broward County Florida | 2 | $ 610,000 | $ 305,000 | $ 210,000 |
| Collier County Florida | 2 | $ 430,000 | $ 215,000 | $ 139,000 |
| Hillsborough County Florida | 2 | $ 430,000 | $ 215,000 | $ 133,000 |
| Sarasota County Florida | 2 | $ 390,000 | $ 195,000 | $ 84,000 |
| Cook County Illinois | 2 | $ 740,000 | $ 370,000 | $ 178,000 |
| Faribault County Minnesota | 2 | $ 410,000 | $ 205,000 | $ 139,000 |
| Freeborn County Minnesota | 2 | $ 300,000 | $ 150,000 | $ 71,000 |
| Mahnomen County Minnesota | 2 | $ 70,000 | $ 35,000 | $ 127,000 |
| Polk County Minnesota | 2 | $ 90,000 | $ 45,000 | $ 60,000 |
| Redwood County Minnesota | 2 | $ 250,000 | $ 125,000 | $ 68,000 |
| Wadena County Minnesota | 2 | $ 240,000 | $ 120,000 | $ 34,000 |
| Sandoval County New Mexico | 2 | $ 370,000 | $ 185,000 | $ 80,000 |
| Santa Fe County New Mexico | 2 | $ 420,000 | $ 210,000 | $ 121,000 |
| Ozaukee County Wisconsin | 2 | $ 730,000 | $ 365,000 | $ 263,000 |
| Mohave County Arizona | 1 | $ 145,000 | $ 145,000 | $ 119,000 |
| Los Angeles County California | 1 | $ 675,000 | $ 675,000 | $ 259,000 |
| Riverside County California | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Sonoma County California | 1 | $ 995,000 | $ 995,000 | $ 1,283,000 |
| Eagle County Colorado | 1 | $ 1,105,000 | $ 1,105,000 | $ 1,052,000 |
| Duval County Florida | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Escambia County Florida | 1 | $ 105,000 | $ 105,000 | $ 285,000 |
| Lake County Florida | 1 | $ 265,000 | $ 265,000 | $ 229,000 |
| Miami-Dade County Florida | 1 | $ 285,000 | $ 285,000 | $ 111,000 |
| Osceola County Florida | 1 | $ 425,000 | $ 425,000 | $ 829,000 |
| Pinellas County Florida | 1 | $ 365,000 | $ 365,000 | $ 255,000 |
| Seminole County Florida | 1 | $ 105,000 | $ 105,000 | $ 191,000 |
| Volusia County Florida | 1 | $ 285,000 | $ 285,000 | $ 52,000 |
| Cerro Gordo County Iowa | 1 | $ 165,000 | $ 165,000 | $ 99,000 |
| Dallas County Iowa | 1 | $ 335,000 | $ 335,000 | $ 272,000 |
| Floyd County Iowa | 1 | $ 145,000 | $ 145,000 | $ 86,000 |
| Kossuth County Iowa | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Linn County Iowa | 1 | $ 365,000 | $ 365,000 | $ 108,000 |
| Polk County Iowa | 1 | $ 245,000 | $ 245,000 | $ 206,000 |
| Ottawa County Michigan | 1 | $ 505,000 | $ 505,000 | $ 216,000 |
| Cook County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 184,000 |
| Cottonwood County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 72,000 |
| Lyon County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Martin County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 92,000 |
| Pennington County Minnesota | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Roseau County Minnesota | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Stevens County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| Traverse County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Clark County Nevada | 1 | $ 205,000 | $ 205,000 | $ 311,000 |
| Los Alamos County New Mexico | 1 | $ 205,000 | $ 205,000 | $ 740,000 |
| Griggs County North Dakota | 1 | $ 105,000 | $ 105,000 | $ 103,000 |
| McLean County North Dakota | 1 | $ 195,000 | $ 195,000 | $ 299,000 |
| Morton County North Dakota | 1 | $ 1,385,000 | $ 1,385,000 | $ 0 |
| Ramsey County North Dakota | 1 | $ 175,000 | $ 175,000 | $ 88,000 |
| Ransom County North Dakota | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Sargent County North Dakota | 1 | $ 55,000 | $ 55,000 | $ 49,000 |
| Traill County North Dakota | 1 | $ 145,000 | $ 145,000 | $ 83,000 |
| Ward County North Dakota | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Yankton County South Dakota | 1 | $ 2,725,000 | $ 2,725,000 | $ 0 |
| Adams County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 291,000 |
| Bayfield County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 112,000 |
| Chippewa County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 90,000 |
| Clark County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 151,000 |
| Dane County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 225,000 |
| Dodge County Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 122,000 |
| La Crosse County Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 294,000 |
| Manitowoc County Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 70,000 |
| Marathon County Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 80,000 |
| Monroe County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Oneida County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Racine County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
| Vilas County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 95,000 |
| Winnebago County Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Bell Bank in 2018
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 | 8,120 | $2,047,500,000 | $252,000 | $8,905,000 | $111,000 | $3,708,000 |
| Refinancing | 1,033 | $216,695,000 | $209,000 | $2,505,000 | $138,000 | $2,424,000 |
| Cash-out Refinancing | 791 | $181,705,000 | $229,000 | $2,215,000 | $111,000 | $2,820,000 |
| Other Purpose | 633 | $65,465,000 | $103,000 | $2,505,000 | $158,000 | $2,116,000 |
| Home Improvement | 625 | $41,125,000 | $65,000 | $2,005,000 | $132,000 | $1,715,000 |
| Not Applicable | 1 | $215,000 | $215,000 | $215,000 | $0 | $0 |
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 | 9,290 | $2,054,300,000 | $221,000 | $3,005,000 | $118,000 | $3,708,000 |
| Not Provided | 663 | $159,465,000 | $240,000 | $975,000 | $127,000 | $1,254,000 |
| Asian | 400 | $94,830,000 | $237,000 | $765,000 | $115,000 | $1,461,000 |
| Hispanic | 373 | $75,975,000 | $203,000 | $975,000 | $95,000 | $1,661,000 |
| Black or African American | 241 | $54,215,000 | $224,000 | $855,000 | $86,000 | $377,000 |
| Not applicable | 150 | $97,150,000 | $647,000 | $8,905,000 | $0 | $0 |
| American Indian or Alaskan Native | 45 | $8,855,000 | $196,000 | $545,000 | $91,000 | $360,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $2,145,000 | $195,000 | $435,000 | $99,000 | $169,000 |
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) | 9,586 | $2,186,540,000 | $228,000 | $8,905,000 | $124,000 | $3,708,000 |
| FHA-insured (Federal Housing Administration) | 1,082 | $238,250,000 | $220,000 | $435,000 | $73,000 | $222,000 |
| VA-guaranteed (Veterans Administration) | 384 | $101,510,000 | $264,000 | $685,000 | $88,000 | $409,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 151 | $26,405,000 | $174,000 | $335,000 | $58,000 | $108,000 |
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 | 9,828 | $2,236,650,000 | $227,000 | $8,905,000 | $118,000 | $3,708,000 |
| Application Withdrawn By Applicant | 1,081 | $270,475,000 | $250,000 | $2,965,000 | $115,000 | $2,424,000 |
| Application Denied By Financial Institution | 245 | $37,275,000 | $152,000 | $1,055,000 | $92,000 | $1,849,000 |
| Application Approved But Not Accepted | 45 | $7,445,000 | $165,000 | $825,000 | $121,000 | $406,000 |
| Loan Purchased By The Institution | 3 | $605,000 | $201,000 | $215,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $255,000 | $255,000 | $255,000 | $54,000 | $54,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 10,958 | $2,515,430,000 | $229,000 | $8,905,000 | $118,000 | $3,708,000 |
| Debt-To-Income Ratio | 92 | $11,970,000 | $130,000 | $545,000 | $66,000 | $434,000 |
| Credit History | 77 | $10,275,000 | $133,000 | $455,000 | $91,000 | $434,000 |
| Collateral | 39 | $8,075,000 | $207,000 | $1,055,000 | $163,000 | $1,849,000 |
| Other | 16 | $2,820,000 | $176,000 | $345,000 | $94,000 | $278,000 |
| Unverifiable Information | 8 | $1,710,000 | $213,000 | $405,000 | $76,000 | $207,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,025,000 | $205,000 | $275,000 | $86,000 | $123,000 |
| Credit Application Incomplete | 5 | $755,000 | $151,000 | $345,000 | $56,000 | $80,000 |
| Employment History | 3 | $645,000 | $215,000 | $455,000 | $91,000 | $172,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bell Bank's 2018 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.