Bell Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Bell Bank 2020 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 | 26,810 |
| Total Mortgage Loan Application Amount | $7,396,510,000 |
| Average Mortgage Loan Application Amount | $265,166 |
| Highest Mortgage Loan Application Amount | $26,215,000 |
| Average Applicant Income | $119,833 |
| Highest Applicant Income | $4,872,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 5,570 | $ 1,768,110,000 | $ 317,000 | $ 148,000 |
| Maricopa County Arizona | 2,909 | $ 878,435,000 | $ 301,000 | $ 130,000 |
| Dakota County Minnesota | 1,856 | $ 494,520,000 | $ 266,000 | $ 113,000 |
| Ramsey County Minnesota | 1,716 | $ 435,640,000 | $ 253,000 | $ 114,000 |
| Anoka County Minnesota | 1,676 | $ 426,870,000 | $ 254,000 | $ 106,000 |
| Washington County Minnesota | 1,488 | $ 439,330,000 | $ 295,000 | $ 137,000 |
| Cass County North Dakota | 1,437 | $ 317,585,000 | $ 221,000 | $ 134,000 |
| Scott County Minnesota | 668 | $ 239,000,000 | $ 357,000 | $ 133,000 |
| Carver County Minnesota | 666 | $ 210,660,000 | $ 316,000 | $ 156,000 |
| Wright County Minnesota | 548 | $ 140,560,000 | $ 256,000 | $ 116,000 |
| Clay County Minnesota | 538 | $ 91,040,000 | $ 169,000 | $ 97,000 |
| Olmsted County Minnesota | 390 | $ 90,420,000 | $ 231,000 | $ 110,000 |
| Otter Tail County Minnesota | 386 | $ 73,510,000 | $ 190,000 | $ 117,000 |
| Waukesha County Wisconsin | 385 | $ 106,165,000 | $ 275,000 | $ 127,000 |
| Sherburne County Minnesota | 335 | $ 83,935,000 | $ 250,000 | $ 97,000 |
| Douglas County Minnesota | 317 | $ 61,655,000 | $ 194,000 | $ 109,000 |
| Becker County Minnesota | 312 | $ 61,490,000 | $ 197,000 | $ 153,000 |
| Washington County Wisconsin | 311 | $ 76,205,000 | $ 245,000 | $ 109,000 |
| Bernalillo County New Mexico | 254 | $ 68,290,000 | $ 268,000 | $ 135,000 |
| Milwaukee County Wisconsin | 252 | $ 50,640,000 | $ 200,000 | $ 93,000 |
| St. Croix County Wisconsin | 243 | $ 69,265,000 | $ 285,000 | $ 121,000 |
| St. Louis County Minnesota | 225 | $ 74,665,000 | $ 331,000 | $ 259,000 |
| Pinal County Arizona | 224 | $ 54,330,000 | $ 242,000 | $ 94,000 |
| Chisago County Minnesota | 215 | $ 53,155,000 | $ 247,000 | $ 99,000 |
| Curry County New Mexico | 177 | $ 30,925,000 | $ 174,000 | $ 74,000 |
| Santa Fe County New Mexico | 164 | $ 60,580,000 | $ 369,000 | $ 163,000 |
| Goodhue County Minnesota | 135 | $ 30,045,000 | $ 222,000 | $ 83,000 |
| Richland County North Dakota | 134 | $ 18,750,000 | $ 139,000 | $ 88,000 |
| Isanti County Minnesota | 129 | $ 32,445,000 | $ 251,000 | $ 91,000 |
| Rice County Minnesota | 122 | $ 31,520,000 | $ 258,000 | $ 104,000 |
| Stearns County Minnesota | 121 | $ 25,085,000 | $ 207,000 | $ 103,000 |
| Orange County Florida | 116 | $ 50,590,000 | $ 436,000 | $ 198,000 |
| Crow Wing County Minnesota | 97 | $ 28,505,000 | $ 293,000 | $ 200,000 |
| St. Louis County Missouri | 87 | $ 22,335,000 | $ 256,000 | $ 136,000 |
| St. Charles County Missouri | 75 | $ 18,475,000 | $ 246,000 | $ 112,000 |
| Polk County Wisconsin | 69 | $ 18,455,000 | $ 267,000 | $ 137,000 |
| Cass County Minnesota | 62 | $ 16,360,000 | $ 263,000 | $ 242,000 |
| Ozaukee County Wisconsin | 59 | $ 15,765,000 | $ 267,000 | $ 125,000 |
| Racine County Wisconsin | 58 | $ 11,900,000 | $ 205,000 | $ 110,000 |
| Pierce County Wisconsin | 56 | $ 23,600,000 | $ 421,000 | $ 103,000 |
| Wilkin County Minnesota | 53 | $ 6,965,000 | $ 131,000 | $ 83,000 |
| Dodge County Minnesota | 52 | $ 11,850,000 | $ 227,000 | $ 90,000 |
| Highlands County Florida | 50 | $ 8,850,000 | $ 177,000 | $ 76,000 |
| Rutherford County Tennessee | 48 | $ 11,950,000 | $ 248,000 | $ 79,000 |
| Le Sueur County Minnesota | 41 | $ 9,325,000 | $ 227,000 | $ 105,000 |
| Pima County Arizona | 39 | $ 10,275,000 | $ 263,000 | $ 193,000 |
| Benton County Minnesota | 39 | $ 7,575,000 | $ 194,000 | $ 76,000 |
| Pope County Minnesota | 39 | $ 9,355,000 | $ 239,000 | $ 110,000 |
| Mille Lacs County Minnesota | 38 | $ 7,840,000 | $ 206,000 | $ 96,000 |
| Aitkin County Minnesota | 37 | $ 8,225,000 | $ 222,000 | $ 245,000 |
| Mower County Minnesota | 37 | $ 8,385,000 | $ 226,000 | $ 62,000 |
| Hillsborough County Florida | 35 | $ 8,205,000 | $ 234,000 | $ 82,000 |
| Burnett County Wisconsin | 35 | $ 7,675,000 | $ 219,000 | $ 155,000 |
| Hubbard County Minnesota | 33 | $ 6,795,000 | $ 205,000 | $ 154,000 |
| Navajo County Arizona | 32 | $ 7,600,000 | $ 237,000 | $ 164,000 |
| Seminole County Florida | 32 | $ 10,920,000 | $ 341,000 | $ 134,000 |
| St. Louis City County Missouri | 32 | $ 6,500,000 | $ 203,000 | $ 111,000 |
| Sandoval County New Mexico | 31 | $ 9,485,000 | $ 305,000 | $ 107,000 |
| Wabasha County Minnesota | 30 | $ 7,270,000 | $ 242,000 | $ 119,000 |
| Lee County Florida | 29 | $ 9,605,000 | $ 331,000 | $ 210,000 |
| Yavapai County Arizona | 27 | $ 8,005,000 | $ 296,000 | $ 157,000 |
| Pine County Minnesota | 26 | $ 5,490,000 | $ 211,000 | $ 111,000 |
| Fond du Lac County Wisconsin | 26 | $ 5,480,000 | $ 210,000 | $ 99,000 |
| Walworth County Wisconsin | 26 | $ 6,050,000 | $ 232,000 | $ 97,000 |
| Coconino County Arizona | 25 | $ 8,415,000 | $ 336,000 | $ 194,000 |
| Grant County Minnesota | 25 | $ 3,155,000 | $ 126,000 | $ 91,000 |
| McLeod County Minnesota | 25 | $ 5,365,000 | $ 214,000 | $ 86,000 |
| Itasca County Minnesota | 24 | $ 6,210,000 | $ 258,000 | $ 136,000 |
| Williamson County Tennessee | 24 | $ 13,420,000 | $ 559,000 | $ 221,000 |
| Douglas County Wisconsin | 24 | $ 5,530,000 | $ 230,000 | $ 282,000 |
| Barron County Wisconsin | 23 | $ 5,545,000 | $ 241,000 | $ 171,000 |
| Dodge County Wisconsin | 23 | $ 4,275,000 | $ 185,000 | $ 83,000 |
| Roosevelt County New Mexico | 21 | $ 2,775,000 | $ 132,000 | $ 67,000 |
| Gila County Arizona | 20 | $ 5,200,000 | $ 260,000 | $ 126,000 |
| St. Clair County Illinois | 20 | $ 3,570,000 | $ 178,000 | $ 90,000 |
| Steele County Minnesota | 20 | $ 3,510,000 | $ 175,000 | $ 83,000 |
| Johnson County Kansas | 19 | $ 5,485,000 | $ 288,000 | $ 123,000 |
| Shelby County Tennessee | 19 | $ 5,645,000 | $ 297,000 | $ 132,000 |
| Dane County Wisconsin | 19 | $ 4,245,000 | $ 223,000 | $ 142,000 |
| Pasco County Florida | 18 | $ 4,830,000 | $ 268,000 | $ 144,000 |
| Davidson County Tennessee | 18 | $ 3,980,000 | $ 221,000 | $ 92,000 |
| Washburn County Wisconsin | 18 | $ 4,860,000 | $ 270,000 | $ 209,000 |
| Volusia County Florida | 17 | $ 5,565,000 | $ 327,000 | $ 148,000 |
| Cook County Minnesota | 17 | $ 5,155,000 | $ 303,000 | $ 159,000 |
| Sawyer County Wisconsin | 17 | $ 5,085,000 | $ 299,000 | $ 263,000 |
| Blue Earth County Minnesota | 16 | $ 3,930,000 | $ 245,000 | $ 166,000 |
| Kanabec County Minnesota | 16 | $ 3,130,000 | $ 195,000 | $ 76,000 |
| Meeker County Minnesota | 16 | $ 4,000,000 | $ 250,000 | $ 159,000 |
| Jackson County Missouri | 16 | $ 3,230,000 | $ 201,000 | $ 87,000 |
| Sibley County Minnesota | 15 | $ 3,385,000 | $ 225,000 | $ 73,000 |
| Boone County Missouri | 15 | $ 3,865,000 | $ 257,000 | $ 147,000 |
| Kenosha County Wisconsin | 15 | $ 3,015,000 | $ 201,000 | $ 118,000 |
| Osceola County Florida | 14 | $ 5,210,000 | $ 372,000 | $ 164,000 |
| Pinellas County Florida | 14 | $ 5,530,000 | $ 395,000 | $ 201,000 |
| Cook County Illinois | 14 | $ 5,870,000 | $ 419,000 | $ 198,000 |
| Grand Forks County North Dakota | 14 | $ 6,900,000 | $ 492,000 | $ 538,000 |
| Sedgwick County Kansas | 13 | $ 2,815,000 | $ 216,000 | $ 87,000 |
| Carlton County Minnesota | 12 | $ 7,230,000 | $ 602,000 | $ 138,000 |
| Fillmore County Minnesota | 12 | $ 1,980,000 | $ 165,000 | $ 55,000 |
| Kandiyohi County Minnesota | 12 | $ 3,220,000 | $ 268,000 | $ 107,000 |
| Winona County Minnesota | 12 | $ 4,270,000 | $ 355,000 | $ 521,000 |
| Jefferson County Missouri | 12 | $ 2,380,000 | $ 198,000 | $ 65,000 |
| Dunn County Wisconsin | 12 | $ 3,850,000 | $ 320,000 | $ 63,000 |
| Eau Claire County Wisconsin | 11 | $ 3,815,000 | $ 346,000 | $ 104,000 |
| Jefferson County Wisconsin | 11 | $ 2,695,000 | $ 245,000 | $ 88,000 |
| Vilas County Wisconsin | 11 | $ 3,245,000 | $ 295,000 | $ 286,000 |
| Collier County Florida | 10 | $ 5,140,000 | $ 514,000 | $ 368,000 |
| Traill County North Dakota | 10 | $ 1,130,000 | $ 113,000 | $ 83,000 |
| Sheboygan County Wisconsin | 10 | $ 1,920,000 | $ 192,000 | $ 67,000 |
| Lake County Florida | 9 | $ 2,245,000 | $ 249,000 | $ 104,000 |
| Madison County Illinois | 9 | $ 2,175,000 | $ 241,000 | $ 132,000 |
| Nicollet County Minnesota | 9 | $ 3,145,000 | $ 349,000 | $ 221,000 |
| Norman County Minnesota | 9 | $ 965,000 | $ 107,000 | $ 52,000 |
| Todd County Minnesota | 9 | $ 1,805,000 | $ 200,000 | $ 109,000 |
| Taos County New Mexico | 9 | $ 3,355,000 | $ 372,000 | $ 294,000 |
| Apache County Arizona | 8 | $ 1,270,000 | $ 158,000 | $ 94,000 |
| Beltrami County Minnesota | 8 | $ 1,950,000 | $ 243,000 | $ 199,000 |
| Burleigh County North Dakota | 8 | $ 2,950,000 | $ 368,000 | $ 118,000 |
| Cochise County Arizona | 7 | $ 1,175,000 | $ 167,000 | $ 120,000 |
| Riverside County California | 7 | $ 2,415,000 | $ 345,000 | $ 194,000 |
| San Diego County California | 7 | $ 4,025,000 | $ 575,000 | $ 190,000 |
| Lake County Illinois | 7 | $ 2,595,000 | $ 370,000 | $ 133,000 |
| Lake County Minnesota | 7 | $ 1,055,000 | $ 150,000 | $ 114,000 |
| Morrison County Minnesota | 7 | $ 1,505,000 | $ 215,000 | $ 107,000 |
| Polk County Minnesota | 7 | $ 1,435,000 | $ 205,000 | $ 167,000 |
| Brown County Wisconsin | 7 | $ 1,875,000 | $ 267,000 | $ 107,000 |
| Oneida County Wisconsin | 7 | $ 1,415,000 | $ 202,000 | $ 150,000 |
| Pepin County Wisconsin | 7 | $ 2,105,000 | $ 300,000 | $ 173,000 |
| Los Angeles County California | 6 | $ 4,180,000 | $ 696,000 | $ 362,000 |
| Charlotte County Florida | 6 | $ 1,660,000 | $ 276,000 | $ 156,000 |
| Polk County Florida | 6 | $ 1,260,000 | $ 210,000 | $ 76,000 |
| Rio Arriba County New Mexico | 6 | $ 1,300,000 | $ 216,000 | $ 83,000 |
| Bayfield County Wisconsin | 6 | $ 2,020,000 | $ 336,000 | $ 220,000 |
| Mohave County Arizona | 5 | $ 1,105,000 | $ 221,000 | $ 206,000 |
| Summit County Colorado | 5 | $ 2,525,000 | $ 505,000 | $ 486,000 |
| Brevard County Florida | 5 | $ 865,000 | $ 173,000 | $ 91,000 |
| Sarasota County Florida | 5 | $ 1,595,000 | $ 319,000 | $ 327,000 |
| Sumter County Florida | 5 | $ 1,105,000 | $ 221,000 | $ 116,000 |
| Freeborn County Minnesota | 5 | $ 945,000 | $ 189,000 | $ 92,000 |
| Stevens County Minnesota | 5 | $ 895,000 | $ 179,000 | $ 80,000 |
| Wadena County Minnesota | 5 | $ 595,000 | $ 119,000 | $ 82,000 |
| Stutsman County North Dakota | 5 | $ 1,015,000 | $ 203,000 | $ 104,000 |
| Maury County Tennessee | 5 | $ 1,305,000 | $ 261,000 | $ 109,000 |
| Winnebago County Wisconsin | 5 | $ 955,000 | $ 191,000 | $ 104,000 |
| Yuma County Arizona | 4 | $ 930,000 | $ 232,000 | $ 112,000 |
| Adams County Colorado | 4 | $ 1,060,000 | $ 265,000 | $ 66,000 |
| Arapahoe County Colorado | 4 | $ 910,000 | $ 227,000 | $ 85,000 |
| Douglas County Colorado | 4 | $ 1,760,000 | $ 440,000 | $ 422,000 |
| Broward County Florida | 4 | $ 1,190,000 | $ 297,000 | $ 84,000 |
| Duval County Florida | 4 | $ 1,310,000 | $ 327,000 | $ 182,000 |
| Hardee County Florida | 4 | $ 800,000 | $ 200,000 | $ 76,000 |
| Polk County Iowa | 4 | $ 1,040,000 | $ 260,000 | $ 99,000 |
| Faribault County Minnesota | 4 | $ 750,000 | $ 187,000 | $ 97,000 |
| Los Alamos County New Mexico | 4 | $ 1,110,000 | $ 277,000 | $ 199,000 |
| Brown County South Dakota | 4 | $ 1,020,000 | $ 255,000 | $ 0 |
| Bedford County Tennessee | 4 | $ 1,070,000 | $ 267,000 | $ 83,000 |
| Marshall County Tennessee | 4 | $ 1,110,000 | $ 277,000 | $ 71,000 |
| Ashland County Wisconsin | 4 | $ 410,000 | $ 102,000 | $ 98,000 |
| Outagamie County Wisconsin | 4 | $ 850,000 | $ 212,000 | $ 104,000 |
| Archuleta County Colorado | 3 | $ 945,000 | $ 315,000 | $ 156,000 |
| Bay County Florida | 3 | $ 895,000 | $ 298,000 | $ 325,000 |
| Manatee County Florida | 3 | $ 1,115,000 | $ 371,000 | $ 173,000 |
| Miami-Dade County Florida | 3 | $ 755,000 | $ 251,000 | $ 121,000 |
| Palm Beach County Florida | 3 | $ 3,105,000 | $ 1,035,000 | $ 79,000 |
| Butler County Kansas | 3 | $ 765,000 | $ 255,000 | $ 59,000 |
| Wayne County Michigan | 3 | $ 515,000 | $ 171,000 | $ 101,000 |
| Brown County Minnesota | 3 | $ 495,000 | $ 165,000 | $ 106,000 |
| Christian County Missouri | 3 | $ 5,695,000 | $ 1,898,000 | $ 81,000 |
| Clay County Missouri | 3 | $ 805,000 | $ 268,000 | $ 90,000 |
| Franklin County Missouri | 3 | $ 605,000 | $ 201,000 | $ 90,000 |
| Lincoln County Missouri | 3 | $ 1,025,000 | $ 341,000 | $ 106,000 |
| Quay County New Mexico | 3 | $ 275,000 | $ 91,000 | $ 58,000 |
| Bottineau County North Dakota | 3 | $ 665,000 | $ 221,000 | $ 120,000 |
| Ransom County North Dakota | 3 | $ 255,000 | $ 85,000 | $ 57,000 |
| Sargent County North Dakota | 3 | $ 225,000 | $ 75,000 | $ 38,000 |
| Dickson County Tennessee | 3 | $ 785,000 | $ 261,000 | $ 77,000 |
| Montgomery County Tennessee | 3 | $ 705,000 | $ 235,000 | $ 74,000 |
| Wilson County Tennessee | 3 | $ 755,000 | $ 251,000 | $ 74,000 |
| Adams County Wisconsin | 3 | $ 565,000 | $ 188,000 | $ 121,000 |
| Lincoln County Wisconsin | 3 | $ 635,000 | $ 211,000 | $ 124,000 |
| Manitowoc County Wisconsin | 3 | $ 575,000 | $ 191,000 | $ 140,000 |
| Sacramento County California | 2 | $ 780,000 | $ 390,000 | $ 118,000 |
| San Francisco County California | 2 | $ 1,720,000 | $ 860,000 | $ 198,000 |
| Chaffee County Colorado | 2 | $ 900,000 | $ 450,000 | $ 120,000 |
| Denver County Colorado | 2 | $ 870,000 | $ 435,000 | $ 118,000 |
| Pueblo County Colorado | 2 | $ 620,000 | $ 310,000 | $ 58,000 |
| Flagler County Florida | 2 | $ 1,540,000 | $ 770,000 | $ 538,000 |
| Indian River County Florida | 2 | $ 550,000 | $ 275,000 | $ 430,000 |
| Okeechobee County Florida | 2 | $ 530,000 | $ 265,000 | $ 116,000 |
| Walton County Florida | 2 | $ 390,000 | $ 195,000 | $ 168,000 |
| Cobb County Georgia | 2 | $ 360,000 | $ 180,000 | $ 27,000 |
| Gwinnett County Georgia | 2 | $ 490,000 | $ 245,000 | $ 90,000 |
| Paulding County Georgia | 2 | $ 390,000 | $ 195,000 | $ 54,000 |
| Ada County Idaho | 2 | $ 530,000 | $ 265,000 | $ 225,000 |
| Bureau County Illinois | 2 | $ 290,000 | $ 145,000 | $ 54,000 |
| DuPage County Illinois | 2 | $ 320,000 | $ 160,000 | $ 82,000 |
| Kane County Illinois | 2 | $ 290,000 | $ 145,000 | $ 85,000 |
| Monroe County Illinois | 2 | $ 220,000 | $ 110,000 | $ 63,000 |
| Howard County Iowa | 2 | $ 330,000 | $ 165,000 | $ 74,000 |
| Story County Iowa | 2 | $ 390,000 | $ 195,000 | $ 102,000 |
| Miami County Kansas | 2 | $ 360,000 | $ 180,000 | $ 39,000 |
| Houston County Minnesota | 2 | $ 400,000 | $ 200,000 | $ 62,000 |
| Koochiching County Minnesota | 2 | $ 740,000 | $ 370,000 | $ 364,000 |
| Lyon County Minnesota | 2 | $ 300,000 | $ 150,000 | $ 46,000 |
| Martin County Minnesota | 2 | $ 690,000 | $ 345,000 | $ 131,000 |
| Renville County Minnesota | 2 | $ 280,000 | $ 140,000 | $ 95,000 |
| Roseau County Minnesota | 2 | $ 250,000 | $ 125,000 | $ 100,000 |
| Greene County Missouri | 2 | $ 600,000 | $ 300,000 | $ 122,000 |
| Pulaski County Missouri | 2 | $ 320,000 | $ 160,000 | $ 58,000 |
| Warren County Missouri | 2 | $ 460,000 | $ 230,000 | $ 145,000 |
| Gallatin County Montana | 2 | $ 810,000 | $ 405,000 | $ 136,000 |
| Douglas County Nebraska | 2 | $ 390,000 | $ 195,000 | $ 47,000 |
| Chaves County New Mexico | 2 | $ 260,000 | $ 130,000 | $ 88,000 |
| Dona Ana County New Mexico | 2 | $ 360,000 | $ 180,000 | $ 68,000 |
| Otero County New Mexico | 2 | $ 380,000 | $ 190,000 | $ 150,000 |
| Valencia County New Mexico | 2 | $ 650,000 | $ 325,000 | $ 147,000 |
| Alleghany County North Carolina | 2 | $ 320,000 | $ 160,000 | $ 75,000 |
| Wake County North Carolina | 2 | $ 820,000 | $ 410,000 | $ 186,000 |
| Ward County North Dakota | 2 | $ 300,000 | $ 150,000 | $ 81,000 |
| Turner County South Dakota | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Coffee County Tennessee | 2 | $ 600,000 | $ 300,000 | $ 84,000 |
| Giles County Tennessee | 2 | $ 810,000 | $ 405,000 | $ 152,000 |
| Lewis County Tennessee | 2 | $ 500,000 | $ 250,000 | $ 58,000 |
| Sumner County Tennessee | 2 | $ 610,000 | $ 305,000 | $ 110,000 |
| Buffalo County Wisconsin | 2 | $ 430,000 | $ 215,000 | $ 137,000 |
| Chippewa County Wisconsin | 2 | $ 480,000 | $ 240,000 | $ 218,000 |
| Columbia County Wisconsin | 2 | $ 510,000 | $ 255,000 | $ 126,000 |
| Juneau County Wisconsin | 2 | $ 510,000 | $ 255,000 | $ 161,000 |
| Marinette County Wisconsin | 2 | $ 250,000 | $ 125,000 | $ 75,000 |
| Marquette County Wisconsin | 2 | $ 340,000 | $ 170,000 | $ 172,000 |
| Rusk County Wisconsin | 2 | $ 370,000 | $ 185,000 | $ 110,000 |
| Sauk County Wisconsin | 2 | $ 290,000 | $ 145,000 | $ 157,000 |
| Shawano County Wisconsin | 2 | $ 360,000 | $ 180,000 | $ 239,000 |
| Trempealeau County Wisconsin | 2 | $ 300,000 | $ 150,000 | $ 77,000 |
| DeKalb County Alabama | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Montgomery County Alabama | 1 | $ 75,000 | $ 75,000 | $ 147,000 |
| Alameda County California | 1 | $ 515,000 | $ 515,000 | $ 188,000 |
| Lake County California | 1 | $ 445,000 | $ 445,000 | $ 192,000 |
| Monterey County California | 1 | $ 505,000 | $ 505,000 | $ 156,000 |
| Orange County California | 1 | $ 435,000 | $ 435,000 | $ 104,000 |
| San Bernardino County California | 1 | $ 205,000 | $ 205,000 | $ 117,000 |
| San Luis Obispo County California | 1 | $ 515,000 | $ 515,000 | $ 168,000 |
| San Mateo County California | 1 | $ 385,000 | $ 385,000 | $ 282,000 |
| Santa Cruz County California | 1 | $ 155,000 | $ 155,000 | $ 148,000 |
| Boulder County Colorado | 1 | $ 1,345,000 | $ 1,345,000 | $ 326,000 |
| Broomfield County Colorado | 1 | $ 435,000 | $ 435,000 | $ 129,000 |
| Clear Creek County Colorado | 1 | $ 165,000 | $ 165,000 | $ 111,000 |
| Eagle County Colorado | 1 | $ 195,000 | $ 195,000 | $ 488,000 |
| El Paso County Colorado | 1 | $ 375,000 | $ 375,000 | $ 130,000 |
| Gunnison County Colorado | 1 | $ 125,000 | $ 125,000 | $ 222,000 |
| Jackson County Colorado | 1 | $ 395,000 | $ 395,000 | $ 457,000 |
| Jefferson County Colorado | 1 | $ 265,000 | $ 265,000 | $ 125,000 |
| La Plata County Colorado | 1 | $ 515,000 | $ 515,000 | $ 426,000 |
| Mesa County Colorado | 1 | $ 415,000 | $ 415,000 | $ 70,000 |
| Ouray County Colorado | 1 | $ 175,000 | $ 175,000 | $ 192,000 |
| San Juan County Colorado | 1 | $ 235,000 | $ 235,000 | $ 268,000 |
| San Miguel County Colorado | 1 | $ 1,705,000 | $ 1,705,000 | $ 491,000 |
| Alachua County Florida | 1 | $ 95,000 | $ 95,000 | $ 68,000 |
| Citrus County Florida | 1 | $ 245,000 | $ 245,000 | $ 42,000 |
| Clay County Florida | 1 | $ 315,000 | $ 315,000 | $ 125,000 |
| Marion County Florida | 1 | $ 275,000 | $ 275,000 | $ 87,000 |
| Monroe County Florida | 1 | $ 605,000 | $ 605,000 | $ 180,000 |
| Okaloosa County Florida | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Santa Rosa County Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| St. Johns County Florida | 1 | $ 605,000 | $ 605,000 | $ 155,000 |
| St. Lucie County Florida | 1 | $ 265,000 | $ 265,000 | $ 192,000 |
| Bartow County Georgia | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| DeKalb County Georgia | 1 | $ 235,000 | $ 235,000 | $ 95,000 |
| Houston County Georgia | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Bonner County Idaho | 1 | $ 255,000 | $ 255,000 | $ 287,000 |
| Lemhi County Idaho | 1 | $ 195,000 | $ 195,000 | $ 142,000 |
| Champaign County Illinois | 1 | $ 315,000 | $ 315,000 | $ 156,000 |
| Clinton County Illinois | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| Kankakee County Illinois | 1 | $ 145,000 | $ 145,000 | $ 46,000 |
| McHenry County Illinois | 1 | $ 155,000 | $ 155,000 | $ 84,000 |
| Will County Illinois | 1 | $ 325,000 | $ 325,000 | $ 187,000 |
| Black Hawk County Iowa | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Cerro Gordo County Iowa | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
| Dallas County Iowa | 1 | $ 215,000 | $ 215,000 | $ 91,000 |
| Dickinson County Iowa | 1 | $ 285,000 | $ 285,000 | $ 154,000 |
| Johnson County Iowa | 1 | $ 275,000 | $ 275,000 | $ 160,000 |
| Madison County Iowa | 1 | $ 175,000 | $ 175,000 | $ 132,000 |
| Mitchell County Iowa | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Warren County Iowa | 1 | $ 285,000 | $ 285,000 | $ 65,000 |
| Winneshiek County Iowa | 1 | $ 225,000 | $ 225,000 | $ 131,000 |
| Wright County Iowa | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| Cowley County Kansas | 1 | $ 175,000 | $ 175,000 | $ 165,000 |
| Douglas County Kansas | 1 | $ 285,000 | $ 285,000 | $ 116,000 |
| Montgomery County Kansas | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
| Shawnee County Kansas | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| Wyandotte County Kansas | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Kalamazoo County Michigan | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| Leelanau County Michigan | 1 | $ 455,000 | $ 455,000 | $ 127,000 |
| Macomb County Michigan | 1 | $ 385,000 | $ 385,000 | $ 122,000 |
| Newaygo County Michigan | 1 | $ 185,000 | $ 185,000 | $ 180,000 |
| Oakland County Michigan | 1 | $ 235,000 | $ 235,000 | $ 138,000 |
| Roscommon County Michigan | 1 | $ 135,000 | $ 135,000 | $ 146,000 |
| Washtenaw County Michigan | 1 | $ 285,000 | $ 285,000 | $ 350,000 |
| Big Stone County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 92,000 |
| Chippewa County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Cottonwood County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 112,000 |
| Kittson County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Mahnomen County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Marshall County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 71,000 |
| Pennington County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 207,000 |
| Pipestone County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 122,000 |
| Redwood County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 64,000 |
| Rock County Minnesota | 1 | $ 215,000 | $ 215,000 | $ 125,000 |
| Traverse County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 69,000 |
| Waseca County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Adair County Missouri | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Camden County Missouri | 1 | $ 115,000 | $ 115,000 | $ 105,000 |
| Cape Girardeau County Missouri | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
| Cass County Missouri | 1 | $ 255,000 | $ 255,000 | $ 80,000 |
| Cole County Missouri | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Gasconade County Missouri | 1 | $ 295,000 | $ 295,000 | $ 359,000 |
| Morgan County Missouri | 1 | $ 195,000 | $ 195,000 | $ 98,000 |
| Perry County Missouri | 1 | $ 125,000 | $ 125,000 | $ 99,000 |
| Wright County Missouri | 1 | $ 185,000 | $ 185,000 | $ 37,000 |
| Carbon County Montana | 1 | $ 285,000 | $ 285,000 | $ 138,000 |
| Lincoln County Montana | 1 | $ 295,000 | $ 295,000 | $ 48,000 |
| Yellowstone County Montana | 1 | $ 7,845,000 | $ 7,845,000 | $ 0 |
| Holt County Nebraska | 1 | $ 285,000 | $ 285,000 | $ 207,000 |
| Madison County Nebraska | 1 | $ 255,000 | $ 255,000 | $ 48,000 |
| Colfax County New Mexico | 1 | $ 335,000 | $ 335,000 | $ 150,000 |
| McKinley County New Mexico | 1 | $ 305,000 | $ 305,000 | $ 243,000 |
| San Juan County New Mexico | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| San Miguel County New Mexico | 1 | $ 95,000 | $ 95,000 | $ 83,000 |
| Socorro County New Mexico | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Torrance County New Mexico | 1 | $ 185,000 | $ 185,000 | $ 159,000 |
| Brunswick County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 100,000 |
| Forsyth County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 68,000 |
| Guilford County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 291,000 |
| New Hanover County North Carolina | 1 | $ 415,000 | $ 415,000 | $ 100,000 |
| Onslow County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pender County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 51,000 |
| Surry County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 75,000 |
| Wilkes County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 75,000 |
| Griggs County North Dakota | 1 | $ 95,000 | $ 95,000 | $ 117,000 |
| LaMoure County North Dakota | 1 | $ 305,000 | $ 305,000 | $ 110,000 |
| McKenzie County North Dakota | 1 | $ 85,000 | $ 85,000 | $ 0 |
| McLean County North Dakota | 1 | $ 145,000 | $ 145,000 | $ 105,000 |
| Pembina County North Dakota | 1 | $ 55,000 | $ 55,000 | $ 110,000 |
| Ramsey County North Dakota | 1 | $ 245,000 | $ 245,000 | $ 70,000 |
| Steele County North Dakota | 1 | $ 145,000 | $ 145,000 | $ 107,000 |
| Josephine County Oregon | 1 | $ 575,000 | $ 575,000 | $ 73,000 |
| Dorchester County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Lancaster County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 72,000 |
| Brookings County South Dakota | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Butte County South Dakota | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Codington County South Dakota | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Custer County South Dakota | 1 | $ 275,000 | $ 275,000 | $ 124,000 |
| Day County South Dakota | 1 | $ 285,000 | $ 285,000 | $ 308,000 |
| Hughes County South Dakota | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Minnehaha County South Dakota | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Pennington County South Dakota | 1 | $ 475,000 | $ 475,000 | $ 184,000 |
| Roberts County South Dakota | 1 | $ 95,000 | $ 95,000 | $ 159,000 |
| Sully County South Dakota | 1 | $ 245,000 | $ 245,000 | $ 54,000 |
| Cheatham County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 41,000 |
| Fayette County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 110,000 |
| Knox County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 90,000 |
| Moore County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Robertson County Tennessee | 1 | $ 325,000 | $ 325,000 | $ 55,000 |
| Sevier County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 162,000 |
| Unicoi County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Nueces County Texas | 1 | $ 1,265,000 | $ 1,265,000 | $ 0 |
| Benton County Washington | 1 | $ 16,325,000 | $ 16,325,000 | $ 0 |
| Calumet County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 72,000 |
| Clark County Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 80,000 |
| Forest County Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 119,000 |
| Kewaunee County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| La Crosse County Wisconsin | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Menominee County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 285,000 |
| Monroe County Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Oconto County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 168,000 |
| Portage County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 76,000 |
| Richland County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Waupaca County Wisconsin | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Waushara County Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 167,000 |
Mortgage Loan Application Detail Totals for Bell Bank in 2020
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 | 11,663 | $3,471,985,000 | $297,000 | $26,215,000 | $118,000 | $4,872,000 |
| Refinancing | 10,389 | $2,891,775,000 | $278,000 | $10,165,000 | $138,000 | $2,211,000 |
| Cash-out Refinancing | 3,461 | $879,585,000 | $254,000 | $965,000 | $125,000 | $2,950,000 |
| Home Improvement | 682 | $64,050,000 | $93,000 | $1,305,000 | $149,000 | $1,652,000 |
| Other Purpose | 614 | $88,590,000 | $144,000 | $2,575,000 | $189,000 | $3,268,000 |
| Not Applicable | 1 | $525,000 | $525,000 | $525,000 | $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 | 21,882 | $5,856,260,000 | $267,000 | $3,005,000 | $130,000 | $4,872,000 |
| Not Provided | 2,127 | $617,195,000 | $290,000 | $1,965,000 | $141,000 | $1,150,000 |
| Hispanic | 937 | $240,155,000 | $256,000 | $1,705,000 | $103,000 | $1,350,000 |
| Asian | 782 | $218,770,000 | $279,000 | $1,705,000 | $131,000 | $1,821,000 |
| Black or African American | 541 | $140,215,000 | $259,000 | $1,045,000 | $106,000 | $1,988,000 |
| Not applicable | 286 | $257,610,000 | $900,000 | $26,215,000 | $0 | $0 |
| American Indian or Alaskan Native | 135 | $33,195,000 | $245,000 | $1,005,000 | $99,000 | $430,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $2,475,000 | $225,000 | $445,000 | $75,000 | $117,000 |
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) | 24,315 | $6,743,645,000 | $277,000 | $26,215,000 | $134,000 | $4,872,000 |
| FHA-insured (Federal Housing Administration) | 1,178 | $276,440,000 | $234,000 | $545,000 | $71,000 | $535,000 |
| VA-guaranteed (Veterans Administration) | 1,142 | $340,840,000 | $298,000 | $1,405,000 | $94,000 | $618,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 175 | $35,585,000 | $203,000 | $385,000 | $63,000 | $144,000 |
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 | 23,023 | $6,339,795,000 | $275,000 | $26,215,000 | $128,000 | $4,872,000 |
| Application Withdrawn By Applicant | 2,925 | $825,065,000 | $282,000 | $4,005,000 | $141,000 | $4,500,000 |
| Application Denied By Financial Institution | 651 | $159,695,000 | $245,000 | $3,705,000 | $91,000 | $597,000 |
| Application Approved But Not Accepted | 166 | $60,650,000 | $365,000 | $16,325,000 | $158,000 | $1,815,000 |
| File Closed For Incompleteness | 41 | $8,915,000 | $217,000 | $515,000 | $108,000 | $360,000 |
| Loan Purchased By The Institution | 4 | $2,390,000 | $597,000 | $1,435,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 26,159 | $7,236,815,000 | $276,000 | $26,215,000 | $130,000 | $4,872,000 |
| Debt-To-Income Ratio | 222 | $55,210,000 | $248,000 | $995,000 | $66,000 | $353,000 |
| Credit History | 129 | $26,225,000 | $203,000 | $945,000 | $97,000 | $535,000 |
| Other | 126 | $36,500,000 | $289,000 | $3,705,000 | $101,000 | $520,000 |
| Collateral | 103 | $23,785,000 | $230,000 | $1,185,000 | $118,000 | $597,000 |
| Credit Application Incomplete | 37 | $10,755,000 | $290,000 | $905,000 | $129,000 | $325,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $3,100,000 | $221,000 | $385,000 | $76,000 | $169,000 |
| Employment History | 11 | $2,335,000 | $212,000 | $695,000 | $67,000 | $137,000 |
| Unverifiable Information | 9 | $1,785,000 | $198,000 | $405,000 | $65,000 | $125,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bell Bank's 2020 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.