Bell Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Bell Bank 2019 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 | 14,815 |
| Total Mortgage Loan Application Amount | $3,900,215,000 |
| Average Mortgage Loan Application Amount | $207,200 |
| Highest Mortgage Loan Application Amount | $17,405,000 |
| Average Applicant Income | $133,600 |
| Highest Applicant Income | $3,330,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 3,236 | $ 949,510,000 | $ 293,000 | $ 144,000 |
| Maricopa County Arizona | 1,433 | $ 405,825,000 | $ 283,000 | $ 122,000 |
| Dakota County Minnesota | 1,141 | $ 282,565,000 | $ 247,000 | $ 108,000 |
| Ramsey County Minnesota | 1,070 | $ 270,320,000 | $ 252,000 | $ 106,000 |
| Anoka County Minnesota | 941 | $ 228,555,000 | $ 242,000 | $ 102,000 |
| Washington County Minnesota | 920 | $ 266,230,000 | $ 289,000 | $ 134,000 |
| Cass County North Dakota | 898 | $ 244,970,000 | $ 272,000 | $ 138,000 |
| Clay County Minnesota | 445 | $ 73,475,000 | $ 165,000 | $ 91,000 |
| Scott County Minnesota | 383 | $ 121,955,000 | $ 318,000 | $ 130,000 |
| Wright County Minnesota | 349 | $ 88,555,000 | $ 253,000 | $ 105,000 |
| Carver County Minnesota | 333 | $ 101,355,000 | $ 304,000 | $ 150,000 |
| Otter Tail County Minnesota | 255 | $ 51,505,000 | $ 201,000 | $ 111,000 |
| Becker County Minnesota | 246 | $ 41,980,000 | $ 170,000 | $ 119,000 |
| Sherburne County Minnesota | 195 | $ 45,935,000 | $ 235,000 | $ 98,000 |
| Douglas County Minnesota | 185 | $ 32,845,000 | $ 177,000 | $ 128,000 |
| Waukesha County Wisconsin | 175 | $ 48,195,000 | $ 275,000 | $ 127,000 |
| Olmsted County Minnesota | 167 | $ 31,175,000 | $ 186,000 | $ 80,000 |
| St. Croix County Wisconsin | 151 | $ 41,855,000 | $ 277,000 | $ 108,000 |
| Pinal County Arizona | 143 | $ 30,145,000 | $ 210,000 | $ 81,000 |
| Milwaukee County Wisconsin | 137 | $ 24,975,000 | $ 182,000 | $ 85,000 |
| Goodhue County Minnesota | 119 | $ 22,545,000 | $ 189,000 | $ 75,000 |
| Bernalillo County New Mexico | 110 | $ 30,320,000 | $ 275,000 | $ 138,000 |
| Chisago County Minnesota | 107 | $ 32,785,000 | $ 306,000 | $ 97,000 |
| Washington County Wisconsin | 104 | $ 23,720,000 | $ 228,000 | $ 95,000 |
| Richland County North Dakota | 94 | $ 12,460,000 | $ 132,000 | $ 85,000 |
| Rice County Minnesota | 91 | $ 19,115,000 | $ 210,000 | $ 97,000 |
| Santa Fe County New Mexico | 91 | $ 35,365,000 | $ 388,000 | $ 191,000 |
| Curry County New Mexico | 76 | $ 10,410,000 | $ 136,000 | $ 68,000 |
| Isanti County Minnesota | 73 | $ 17,265,000 | $ 236,000 | $ 89,000 |
| Stearns County Minnesota | 69 | $ 13,315,000 | $ 192,000 | $ 95,000 |
| Pierce County Wisconsin | 43 | $ 9,875,000 | $ 229,000 | $ 92,000 |
| St. Louis County Minnesota | 41 | $ 8,535,000 | $ 208,000 | $ 197,000 |
| Wilkin County Minnesota | 36 | $ 4,750,000 | $ 131,000 | $ 71,000 |
| Polk County Wisconsin | 32 | $ 7,400,000 | $ 231,000 | $ 117,000 |
| Le Sueur County Minnesota | 31 | $ 6,325,000 | $ 204,000 | $ 82,000 |
| McLeod County Minnesota | 31 | $ 5,855,000 | $ 188,000 | $ 120,000 |
| Crow Wing County Minnesota | 28 | $ 7,910,000 | $ 282,000 | $ 269,000 |
| Cass County Minnesota | 26 | $ 7,130,000 | $ 274,000 | $ 296,000 |
| Ozaukee County Wisconsin | 21 | $ 6,075,000 | $ 289,000 | $ 129,000 |
| Navajo County Arizona | 20 | $ 4,820,000 | $ 241,000 | $ 161,000 |
| Mille Lacs County Minnesota | 20 | $ 3,580,000 | $ 179,000 | $ 126,000 |
| Sandoval County New Mexico | 19 | $ 5,865,000 | $ 308,000 | $ 151,000 |
| Pima County Arizona | 17 | $ 3,635,000 | $ 213,000 | $ 113,000 |
| Pope County Minnesota | 16 | $ 2,010,000 | $ 125,000 | $ 70,000 |
| Burnett County Wisconsin | 16 | $ 3,550,000 | $ 221,000 | $ 193,000 |
| Lee County Florida | 15 | $ 9,185,000 | $ 612,000 | $ 382,000 |
| Dodge County Minnesota | 15 | $ 2,715,000 | $ 181,000 | $ 68,000 |
| Aitkin County Minnesota | 14 | $ 2,840,000 | $ 202,000 | $ 171,000 |
| Hubbard County Minnesota | 14 | $ 2,820,000 | $ 201,000 | $ 148,000 |
| Pine County Minnesota | 14 | $ 2,440,000 | $ 174,000 | $ 129,000 |
| Racine County Wisconsin | 14 | $ 2,710,000 | $ 193,000 | $ 98,000 |
| Benton County Minnesota | 13 | $ 2,355,000 | $ 181,000 | $ 73,000 |
| Blue Earth County Minnesota | 13 | $ 2,665,000 | $ 205,000 | $ 88,000 |
| Steele County Minnesota | 12 | $ 10,180,000 | $ 848,000 | $ 65,000 |
| Dodge County Wisconsin | 12 | $ 2,420,000 | $ 201,000 | $ 86,000 |
| Eau Claire County Wisconsin | 12 | $ 1,760,000 | $ 146,000 | $ 60,000 |
| Jefferson County Wisconsin | 12 | $ 2,590,000 | $ 215,000 | $ 86,000 |
| Grant County Minnesota | 10 | $ 1,510,000 | $ 151,000 | $ 90,000 |
| Kanabec County Minnesota | 10 | $ 1,140,000 | $ 114,000 | $ 117,000 |
| Norman County Minnesota | 10 | $ 820,000 | $ 82,000 | $ 70,000 |
| Wabasha County Minnesota | 10 | $ 1,920,000 | $ 192,000 | $ 72,000 |
| Fond du Lac County Wisconsin | 10 | $ 2,180,000 | $ 218,000 | $ 86,000 |
| Coconino County Arizona | 9 | $ 3,535,000 | $ 392,000 | $ 211,000 |
| Morrison County Minnesota | 8 | $ 2,130,000 | $ 266,000 | $ 159,000 |
| Los Alamos County New Mexico | 8 | $ 1,520,000 | $ 190,000 | $ 136,000 |
| Davidson County Tennessee | 8 | $ 2,400,000 | $ 300,000 | $ 87,000 |
| Barron County Wisconsin | 8 | $ 2,010,000 | $ 251,000 | $ 167,000 |
| Dane County Wisconsin | 8 | $ 1,660,000 | $ 207,000 | $ 94,000 |
| Collier County Florida | 7 | $ 2,425,000 | $ 346,000 | $ 137,000 |
| Beltrami County Minnesota | 7 | $ 1,595,000 | $ 227,000 | $ 195,000 |
| Freeborn County Minnesota | 7 | $ 1,325,000 | $ 189,000 | $ 88,000 |
| Kandiyohi County Minnesota | 7 | $ 1,405,000 | $ 200,000 | $ 89,000 |
| Mower County Minnesota | 7 | $ 1,325,000 | $ 189,000 | $ 85,000 |
| Sibley County Minnesota | 7 | $ 965,000 | $ 137,000 | $ 87,000 |
| Winona County Minnesota | 7 | $ 1,215,000 | $ 173,000 | $ 65,000 |
| Douglas County Wisconsin | 7 | $ 865,000 | $ 123,000 | $ 187,000 |
| Vilas County Wisconsin | 7 | $ 1,505,000 | $ 215,000 | $ 125,000 |
| Polk County Iowa | 6 | $ 1,940,000 | $ 323,000 | $ 162,000 |
| Itasca County Minnesota | 6 | $ 1,430,000 | $ 238,000 | $ 132,000 |
| Shelby County Tennessee | 6 | $ 1,580,000 | $ 263,000 | $ 226,000 |
| Sawyer County Wisconsin | 6 | $ 1,580,000 | $ 263,000 | $ 262,000 |
| Walworth County Wisconsin | 6 | $ 1,520,000 | $ 253,000 | $ 133,000 |
| Mohave County Arizona | 5 | $ 705,000 | $ 141,000 | $ 42,000 |
| Yavapai County Arizona | 5 | $ 1,405,000 | $ 281,000 | $ 99,000 |
| Santa Barbara County California | 5 | $ 4,655,000 | $ 931,000 | $ 229,000 |
| Lake County Florida | 5 | $ 945,000 | $ 189,000 | $ 96,000 |
| Manatee County Florida | 5 | $ 2,285,000 | $ 457,000 | $ 173,000 |
| Orange County Florida | 5 | $ 2,335,000 | $ 467,000 | $ 236,000 |
| Cook County Minnesota | 5 | $ 1,245,000 | $ 249,000 | $ 215,000 |
| Nicollet County Minnesota | 5 | $ 815,000 | $ 163,000 | $ 81,000 |
| Taos County New Mexico | 5 | $ 1,405,000 | $ 281,000 | $ 147,000 |
| Ransom County North Dakota | 5 | $ 385,000 | $ 77,000 | $ 63,000 |
| Dunn County Wisconsin | 5 | $ 755,000 | $ 151,000 | $ 117,000 |
| Gila County Arizona | 4 | $ 990,000 | $ 247,000 | $ 124,000 |
| Denver County Colorado | 4 | $ 1,310,000 | $ 327,000 | $ 82,000 |
| Fillmore County Minnesota | 4 | $ 590,000 | $ 147,000 | $ 55,000 |
| Lake County Minnesota | 4 | $ 660,000 | $ 165,000 | $ 152,000 |
| Meeker County Minnesota | 4 | $ 680,000 | $ 170,000 | $ 63,000 |
| Todd County Minnesota | 4 | $ 330,000 | $ 82,000 | $ 79,000 |
| Roosevelt County New Mexico | 4 | $ 370,000 | $ 92,000 | $ 40,000 |
| Burleigh County North Dakota | 4 | $ 4,580,000 | $ 1,145,000 | $ 82,000 |
| Grand Forks County North Dakota | 4 | $ 1,600,000 | $ 400,000 | $ 400,000 |
| Rutherford County Tennessee | 4 | $ 1,060,000 | $ 265,000 | $ 102,000 |
| Marathon County Wisconsin | 4 | $ 8,190,000 | $ 2,047,000 | $ 165,000 |
| Sheboygan County Wisconsin | 4 | $ 680,000 | $ 170,000 | $ 85,000 |
| Arapahoe County Colorado | 3 | $ 1,165,000 | $ 388,000 | $ 272,000 |
| Charlotte County Florida | 3 | $ 335,000 | $ 111,000 | $ 63,000 |
| Hillsborough County Florida | 3 | $ 3,225,000 | $ 1,075,000 | $ 678,000 |
| Pasco County Florida | 3 | $ 1,045,000 | $ 348,000 | $ 114,000 |
| Sarasota County Florida | 3 | $ 565,000 | $ 188,000 | $ 172,000 |
| Seminole County Florida | 3 | $ 695,000 | $ 231,000 | $ 88,000 |
| Sumter County Florida | 3 | $ 575,000 | $ 191,000 | $ 105,000 |
| Cook County Illinois | 3 | $ 1,295,000 | $ 431,000 | $ 142,000 |
| Faribault County Minnesota | 3 | $ 175,000 | $ 58,000 | $ 136,000 |
| Koochiching County Minnesota | 3 | $ 515,000 | $ 171,000 | $ 78,000 |
| Pennington County Minnesota | 3 | $ 2,975,000 | $ 991,000 | $ 150,000 |
| Traverse County Minnesota | 3 | $ 205,000 | $ 68,000 | $ 51,000 |
| Waseca County Minnesota | 3 | $ 535,000 | $ 178,000 | $ 56,000 |
| Clay County Missouri | 3 | $ 885,000 | $ 295,000 | $ 95,000 |
| Valencia County New Mexico | 3 | $ 335,000 | $ 111,000 | $ 61,000 |
| Traill County North Dakota | 3 | $ 255,000 | $ 85,000 | $ 64,000 |
| Chippewa County Wisconsin | 3 | $ 5,925,000 | $ 1,975,000 | $ 121,000 |
| Door County Wisconsin | 3 | $ 1,185,000 | $ 395,000 | $ 333,000 |
| Kenosha County Wisconsin | 3 | $ 685,000 | $ 228,000 | $ 162,000 |
| Vernon County Wisconsin | 3 | $ 225,000 | $ 75,000 | $ 31,000 |
| Washburn County Wisconsin | 3 | $ 875,000 | $ 291,000 | $ 244,000 |
| Yuma County Arizona | 2 | $ 490,000 | $ 245,000 | $ 95,000 |
| Butte County California | 2 | $ 300,000 | $ 150,000 | $ 140,000 |
| Los Angeles County California | 2 | $ 940,000 | $ 470,000 | $ 173,000 |
| Riverside County California | 2 | $ 650,000 | $ 325,000 | $ 303,000 |
| San Diego County California | 2 | $ 820,000 | $ 410,000 | $ 93,000 |
| Adams County Colorado | 2 | $ 590,000 | $ 295,000 | $ 98,000 |
| Douglas County Colorado | 2 | $ 880,000 | $ 440,000 | $ 100,000 |
| Eagle County Colorado | 2 | $ 1,420,000 | $ 710,000 | $ 516,000 |
| Broward County Florida | 2 | $ 850,000 | $ 425,000 | $ 217,000 |
| Palm Beach County Florida | 2 | $ 550,000 | $ 275,000 | $ 141,000 |
| Polk County Florida | 2 | $ 250,000 | $ 125,000 | $ 62,000 |
| DuPage County Illinois | 2 | $ 480,000 | $ 240,000 | $ 134,000 |
| Lake County Illinois | 2 | $ 430,000 | $ 215,000 | $ 69,000 |
| Winnebago County Illinois | 2 | $ 400,000 | $ 200,000 | $ 183,000 |
| Dickinson County Iowa | 2 | $ 630,000 | $ 315,000 | $ 210,000 |
| Johnson County Kansas | 2 | $ 510,000 | $ 255,000 | $ 130,000 |
| Washtenaw County Michigan | 2 | $ 570,000 | $ 285,000 | $ 334,000 |
| Wayne County Michigan | 2 | $ 470,000 | $ 235,000 | $ 96,000 |
| Mahnomen County Minnesota | 2 | $ 130,000 | $ 65,000 | $ 49,000 |
| Polk County Minnesota | 2 | $ 430,000 | $ 215,000 | $ 190,000 |
| Roseau County Minnesota | 2 | $ 230,000 | $ 115,000 | $ 79,000 |
| Steele County North Dakota | 2 | $ 590,000 | $ 295,000 | $ 731,000 |
| Roberts County South Dakota | 2 | $ 60,000 | $ 30,000 | $ 68,000 |
| Robertson County Tennessee | 2 | $ 460,000 | $ 230,000 | $ 63,000 |
| Buffalo County Wisconsin | 2 | $ 320,000 | $ 160,000 | $ 46,000 |
| Calumet County Wisconsin | 2 | $ 380,000 | $ 190,000 | $ 75,000 |
| Juneau County Wisconsin | 2 | $ 320,000 | $ 160,000 | $ 243,000 |
| La Crosse County Wisconsin | 2 | $ 660,000 | $ 330,000 | $ 111,000 |
| Lincoln County Wisconsin | 2 | $ 310,000 | $ 155,000 | $ 26,000 |
| Manitowoc County Wisconsin | 2 | $ 440,000 | $ 220,000 | $ 105,000 |
| Rock County Wisconsin | 2 | $ 550,000 | $ 275,000 | $ 163,000 |
| Winnebago County Wisconsin | 2 | $ 500,000 | $ 250,000 | $ 75,000 |
| Apache County Arizona | 1 | $ 185,000 | $ 185,000 | $ 68,000 |
| Cochise County Arizona | 1 | $ 85,000 | $ 85,000 | $ 90,000 |
| Alameda County California | 1 | $ 335,000 | $ 335,000 | $ 76,000 |
| Contra Costa County California | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Fresno County California | 1 | $ 465,000 | $ 465,000 | $ 112,000 |
| Marin County California | 1 | $ 835,000 | $ 835,000 | $ 358,000 |
| Orange County California | 1 | $ 435,000 | $ 435,000 | $ 86,000 |
| San Luis Obispo County California | 1 | $ 255,000 | $ 255,000 | $ 83,000 |
| Shasta County California | 1 | $ 255,000 | $ 255,000 | $ 78,000 |
| Archuleta County Colorado | 1 | $ 295,000 | $ 295,000 | $ 174,000 |
| El Paso County Colorado | 1 | $ 475,000 | $ 475,000 | $ 122,000 |
| Elbert County Colorado | 1 | $ 325,000 | $ 325,000 | $ 143,000 |
| Gilpin County Colorado | 1 | $ 85,000 | $ 85,000 | $ 83,000 |
| Jefferson County Colorado | 1 | $ 365,000 | $ 365,000 | $ 120,000 |
| La Plata County Colorado | 1 | $ 205,000 | $ 205,000 | $ 483,000 |
| Summit County Colorado | 1 | $ 455,000 | $ 455,000 | $ 232,000 |
| Duval County Florida | 1 | $ 235,000 | $ 235,000 | $ 124,000 |
| Flagler County Florida | 1 | $ 205,000 | $ 205,000 | $ 51,000 |
| Monroe County Florida | 1 | $ 325,000 | $ 325,000 | $ 83,000 |
| Pinellas County Florida | 1 | $ 365,000 | $ 365,000 | $ 255,000 |
| St. Johns County Florida | 1 | $ 365,000 | $ 365,000 | $ 125,000 |
| Walton County Florida | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Canyon County Idaho | 1 | $ 415,000 | $ 415,000 | $ 108,000 |
| McHenry County Illinois | 1 | $ 185,000 | $ 185,000 | $ 67,000 |
| Monroe County Illinois | 1 | $ 235,000 | $ 235,000 | $ 95,000 |
| St. Clair County Illinois | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| Tazewell County Illinois | 1 | $ 95,000 | $ 95,000 | $ 35,000 |
| Will County Illinois | 1 | $ 195,000 | $ 195,000 | $ 78,000 |
| Buena Vista County Iowa | 1 | $ 105,000 | $ 105,000 | $ 219,000 |
| Cerro Gordo County Iowa | 1 | $ 85,000 | $ 85,000 | $ 81,000 |
| Dallas County Iowa | 1 | $ 325,000 | $ 325,000 | $ 240,000 |
| Story County Iowa | 1 | $ 255,000 | $ 255,000 | $ 350,000 |
| Cowley County Kansas | 1 | $ 125,000 | $ 125,000 | $ 26,000 |
| Douglas County Kansas | 1 | $ 335,000 | $ 335,000 | $ 80,000 |
| Sedgwick County Kansas | 1 | $ 155,000 | $ 155,000 | $ 59,000 |
| Baraga County Michigan | 1 | $ 145,000 | $ 145,000 | $ 106,000 |
| Mason County Michigan | 1 | $ 125,000 | $ 125,000 | $ 31,000 |
| Monroe County Michigan | 1 | $ 255,000 | $ 255,000 | $ 119,000 |
| Oakland County Michigan | 1 | $ 165,000 | $ 165,000 | $ 79,000 |
| Ottawa County Michigan | 1 | $ 485,000 | $ 485,000 | $ 293,000 |
| Big Stone County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
| Brown County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Chippewa County Minnesota | 1 | $ 265,000 | $ 265,000 | $ 129,000 |
| Houston County Minnesota | 1 | $ 285,000 | $ 285,000 | $ 142,000 |
| Lac qui Parle County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 88,000 |
| Lake of the Woods County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 115,000 |
| Lyon County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Martin County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 175,000 |
| Redwood County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| Renville County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 83,000 |
| Stevens County Minnesota | 1 | $ 265,000 | $ 265,000 | $ 160,000 |
| Swift County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
| Wadena County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Jackson County Missouri | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Gallatin County Montana | 1 | $ 215,000 | $ 215,000 | $ 83,000 |
| Madison County Montana | 1 | $ 3,505,000 | $ 3,505,000 | $ 0 |
| Yellowstone County Montana | 1 | $ 4,905,000 | $ 4,905,000 | $ 0 |
| Douglas County Nebraska | 1 | $ 2,395,000 | $ 2,395,000 | $ 0 |
| Keith County Nebraska | 1 | $ 115,000 | $ 115,000 | $ 105,000 |
| Sarpy County Nebraska | 1 | $ 2,685,000 | $ 2,685,000 | $ 0 |
| Chaves County New Mexico | 1 | $ 75,000 | $ 75,000 | $ 107,000 |
| San Miguel County New Mexico | 1 | $ 245,000 | $ 245,000 | $ 125,000 |
| New York County New York | 1 | $ 945,000 | $ 945,000 | $ 2,225,000 |
| Avery County North Carolina | 1 | $ 635,000 | $ 635,000 | $ 256,000 |
| Wake County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 122,000 |
| Barnes County North Dakota | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Griggs County North Dakota | 1 | $ 125,000 | $ 125,000 | $ 113,000 |
| LaMoure County North Dakota | 1 | $ 65,000 | $ 65,000 | $ 88,000 |
| Nelson County North Dakota | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Sargent County North Dakota | 1 | $ 15,000 | $ 15,000 | $ 51,000 |
| Stutsman County North Dakota | 1 | $ 245,000 | $ 245,000 | $ 157,000 |
| Walsh County North Dakota | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Ward County North Dakota | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Morrow County Oregon | 1 | $ 9,775,000 | $ 9,775,000 | $ 0 |
| Beaufort County South Carolina | 1 | $ 995,000 | $ 995,000 | $ 0 |
| Georgetown County South Carolina | 1 | $ 1,925,000 | $ 1,925,000 | $ 0 |
| Clark County South Dakota | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Codington County South Dakota | 1 | $ 125,000 | $ 125,000 | $ 145,000 |
| Pennington County South Dakota | 1 | $ 235,000 | $ 235,000 | $ 105,000 |
| Yankton County South Dakota | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Bedford County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 44,000 |
| Cheatham County Tennessee | 1 | $ 865,000 | $ 865,000 | $ 264,000 |
| Williamson County Tennessee | 1 | $ 325,000 | $ 325,000 | $ 81,000 |
| Denton County Texas | 1 | $ 105,000 | $ 105,000 | $ 241,000 |
| Harris County Texas | 1 | $ 1,605,000 | $ 1,605,000 | $ 1,200,000 |
| Skagit County Washington | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Brown County Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 65,000 |
| Columbia County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 46,000 |
| Forest County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 104,000 |
| Kewaunee County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 102,000 |
| Langlade County Wisconsin | 1 | $ 365,000 | $ 365,000 | $ 250,000 |
| Marinette County Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 35,000 |
| Marquette County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Oconto County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 1,074,000 |
| Oneida County Wisconsin | 1 | $ 405,000 | $ 405,000 | $ 117,000 |
| Portage County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 58,000 |
| Sauk County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 316,000 |
| Trempealeau County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Waushara County Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for Bell Bank in 2019
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 | 9,508 | $2,652,730,000 | $278,000 | $17,405,000 | $113,000 | $2,193,000 |
| Refinancing | 2,550 | $797,430,000 | $312,000 | $11,445,000 | $154,000 | $3,330,000 |
| Cash-out Refinancing | 1,220 | $302,090,000 | $247,000 | $1,505,000 | $113,000 | $546,000 |
| Home Improvement | 869 | $64,345,000 | $74,000 | $1,905,000 | $137,000 | $1,483,000 |
| Other Purpose | 668 | $83,620,000 | $125,000 | $3,505,000 | $151,000 | $2,437,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 12,032 | $2,939,310,000 | $244,000 | $3,205,000 | $124,000 | $3,330,000 |
| Not Provided | 930 | $262,400,000 | $282,000 | $2,625,000 | $138,000 | $1,800,000 |
| Hispanic | 583 | $126,825,000 | $217,000 | $995,000 | $90,000 | $1,650,000 |
| Asian | 477 | $124,955,000 | $261,000 | $3,455,000 | $117,000 | $1,661,000 |
| Black or African American | 358 | $82,220,000 | $229,000 | $765,000 | $92,000 | $795,000 |
| Not applicable | 289 | $329,365,000 | $1,139,000 | $17,405,000 | $0 | $0 |
| American Indian or Alaskan Native | 82 | $17,410,000 | $212,000 | $605,000 | $97,000 | $690,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $3,385,000 | $260,000 | $485,000 | $115,000 | $352,000 |
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) | 13,007 | $3,461,555,000 | $266,000 | $17,405,000 | $129,000 | $3,330,000 |
| FHA-insured (Federal Housing Administration) | 1,081 | $245,865,000 | $227,000 | $495,000 | $74,000 | $315,000 |
| VA-guaranteed (Veterans Administration) | 579 | $165,295,000 | $285,000 | $755,000 | $92,000 | $310,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 148 | $27,500,000 | $185,000 | $365,000 | $60,000 | $130,000 |
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 | 12,971 | $3,401,235,000 | $262,000 | $17,405,000 | $124,000 | $3,330,000 |
| Application Withdrawn By Applicant | 1,418 | $404,450,000 | $285,000 | $6,005,000 | $121,000 | $2,437,000 |
| Application Denied By Financial Institution | 323 | $59,975,000 | $185,000 | $1,925,000 | $93,000 | $1,839,000 |
| Application Approved But Not Accepted | 95 | $27,835,000 | $293,000 | $8,025,000 | $129,000 | $800,000 |
| Loan Purchased By The Institution | 7 | $6,475,000 | $925,000 | $2,685,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $245,000 | $245,000 | $245,000 | $111,000 | $111,000 |
| 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 | 14,492 | $3,840,240,000 | $264,000 | $17,405,000 | $123,000 | $3,330,000 |
| Debt-To-Income Ratio | 103 | $15,715,000 | $152,000 | $785,000 | $65,000 | $265,000 |
| Credit History | 84 | $13,630,000 | $162,000 | $1,385,000 | $85,000 | $290,000 |
| Collateral | 51 | $10,055,000 | $197,000 | $605,000 | $122,000 | $450,000 |
| Credit Application Incomplete | 37 | $9,025,000 | $243,000 | $635,000 | $107,000 | $498,000 |
| Other | 27 | $7,115,000 | $263,000 | $1,925,000 | $168,000 | $1,839,000 |
| Unverifiable Information | 10 | $1,750,000 | $175,000 | $485,000 | $79,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $2,190,000 | $273,000 | $485,000 | $71,000 | $108,000 |
| Employment History | 3 | $495,000 | $165,000 | $235,000 | $21,000 | $45,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bell Bank's 2019 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.