Bell Bank Mortgage Lending & HMDA Data, 2022

In 2022, Bell Bank of Fargo, ND reported 16,221 mortgage applications totaling $5.5 billion, down 38% from 2021. The average application was for $336,441, and applicants reported an average income of $151,882. 82% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (7,601), Phoenix-Mesa-Scottsdale, AZ (2,373) and Fargo, ND-MN (1,083) (applications in parentheses).

Mortgage Company & Address Bell Bank
3100 13th Ave S
Fargo, ND 58103
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  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 16,221
Total Mortgage Loan Application Amount $5,457,415,000
Average Mortgage Loan Application Amount $336,441
Highest Mortgage Loan Application Amount $42,495,000
Average Applicant Income $151,882
Highest Applicant Income $8,661,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bell Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Bell Bank by County in 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hennepin, Minnesota 2,661 $ 943,145,000 $ 354,432 $ 173,000
Maricopa, Arizona 2,133 $ 877,035,000 $ 411,174 $ 191,000
Ramsey, Minnesota 981 $ 273,905,000 $ 279,209 $ 126,000
Dakota, Minnesota 847 $ 246,545,000 $ 291,080 $ 135,000
Anoka, Minnesota 802 $ 264,310,000 $ 329,563 $ 119,000
Cass, North Dakota 775 $ 178,515,000 $ 230,341 $ 149,000
Washington, Minnesota 748 $ 231,340,000 $ 309,278 $ 147,000
Scott, Minnesota 318 $ 114,750,000 $ 360,849 $ 163,000
Clay, Minnesota 308 $ 75,940,000 $ 246,558 $ 110,000
Carver, Minnesota 303 $ 118,395,000 $ 390,742 $ 181,000
Wright, Minnesota 302 $ 101,390,000 $ 335,728 $ 140,000
Olmsted, Minnesota 265 $ 71,695,000 $ 270,547 $ 120,000
Johnson, Kansas 260 $ 106,530,000 $ 409,730 $ 167,000
Pinal, Arizona 240 $ 82,540,000 $ 343,916 $ 127,000
Otter Tail, Minnesota 212 $ 38,490,000 $ 181,556 $ 138,000
Sherburne, Minnesota 208 $ 61,730,000 $ 296,778 $ 114,000
Becker, Minnesota 190 $ 47,110,000 $ 247,947 $ 163,000
Curry, New Mexico 173 $ 33,225,000 $ 192,052 $ 84,000
St. Louis, Minnesota 158 $ 47,440,000 $ 300,253 $ 211,000
Jackson, Missouri 156 $ 39,670,000 $ 254,294 $ 101,000
Douglas, Minnesota 154 $ 29,230,000 $ 189,805 $ 130,000
Milwaukee, Wisconsin 142 $ 28,940,000 $ 203,802 $ 97,000
St. Croix, Wisconsin 140 $ 45,130,000 $ 322,357 $ 167,000
Chisago, Minnesota 134 $ 33,530,000 $ 250,223 $ 124,000
Goodhue, Minnesota 112 $ 25,840,000 $ 230,714 $ 93,000
Waukesha, Wisconsin 104 $ 35,670,000 $ 342,980 $ 130,000
Bernalillo, New Mexico 99 $ 36,275,000 $ 366,414 $ 171,000
Richland, North Dakota 85 $ 12,065,000 $ 141,941 $ 99,000
Orange, Florida 76 $ 47,390,000 $ 623,552 $ 232,000
Highlands, Florida 74 $ 16,510,000 $ 223,108 $ 78,000
Isanti, Minnesota 73 $ 19,855,000 $ 271,986 $ 121,000
Santa Fe, New Mexico 72 $ 37,070,000 $ 514,861 $ 191,000
Washington, Wisconsin 72 $ 20,470,000 $ 284,305 $ 122,000
Stearns, Minnesota 61 $ 13,945,000 $ 228,606 $ 100,000
Rice, Minnesota 59 $ 16,595,000 $ 281,271 $ 126,000
Crow Wing, Minnesota 56 $ 19,800,000 $ 353,571 $ 305,000
Mower, Minnesota 53 $ 8,935,000 $ 168,584 $ 57,000
St. Louis, Missouri 53 $ 14,405,000 $ 271,792 $ 113,000
Davidson, Tennessee 53 $ 18,285,000 $ 345,000 $ 128,000
Boone, Missouri 51 $ 18,735,000 $ 367,352 $ 128,000
Lee, Florida 49 $ 18,435,000 $ 376,224 $ 215,000
Pinellas, Florida 48 $ 19,310,000 $ 402,291 $ 140,000
Wilkin, Minnesota 46 $ 6,500,000 $ 141,304 $ 101,000
Seminole, Florida 41 $ 17,185,000 $ 419,146 $ 168,000
Rutherford, Tennessee 41 $ 13,685,000 $ 333,780 $ 101,000
Winona, Minnesota 40 $ 6,130,000 $ 153,250 $ 74,000
Williamson, Tennessee 39 $ 30,015,000 $ 769,615 $ 257,000
Clay, Missouri 38 $ 12,610,000 $ 331,842 $ 143,000
Polk, Wisconsin 36 $ 10,420,000 $ 289,444 $ 115,000
Pierce, Wisconsin 33 $ 9,475,000 $ 287,121 $ 129,000
Le Sueur, Minnesota 32 $ 7,650,000 $ 239,062 $ 104,000
Hillsborough, Florida 31 $ 13,585,000 $ 438,225 $ 135,000
Coconino, Arizona 30 $ 14,520,000 $ 484,000 $ 326,000
Dodge, Minnesota 30 $ 7,790,000 $ 259,666 $ 99,000
St. Charles, Missouri 29 $ 8,675,000 $ 299,137 $ 104,000
Sandoval, New Mexico 28 $ 11,660,000 $ 416,428 $ 168,000
Navajo, Arizona 27 $ 11,595,000 $ 429,444 $ 281,000
Roosevelt, New Mexico 27 $ 4,365,000 $ 161,666 $ 64,000
Sarasota, Florida 26 $ 13,070,000 $ 502,692 $ 214,000
McLeod, Minnesota 26 $ 6,420,000 $ 246,923 $ 85,000
Pima, Arizona 25 $ 35,025,000 $ 1,401,000 $ 286,000
Leon, Florida 25 $ 5,445,000 $ 217,800 $ 155,000
Manatee, Florida 25 $ 14,855,000 $ 594,200 $ 225,000
Dane, Wisconsin 25 $ 9,415,000 $ 376,600 $ 207,000
Yavapai, Arizona 24 $ 8,940,000 $ 372,500 $ 128,000
Wyandotte, Kansas 24 $ 5,160,000 $ 215,000 $ 75,000
Pope, Minnesota 24 $ 5,240,000 $ 218,333 $ 81,000
Collier, Florida 22 $ 12,070,000 $ 548,636 $ 299,000
Cass, Missouri 22 $ 5,930,000 $ 269,545 $ 119,000
Platte, Missouri 22 $ 10,550,000 $ 479,545 $ 169,000
Fond du Lac, Wisconsin 22 $ 4,610,000 $ 209,545 $ 96,000
Cass, Minnesota 21 $ 7,215,000 $ 343,571 $ 190,000
Wabasha, Minnesota 21 $ 5,515,000 $ 262,619 $ 88,000
Benton, Minnesota 20 $ 5,930,000 $ 296,500 $ 90,000
Mille Lacs, Minnesota 19 $ 3,645,000 $ 191,842 $ 116,000
Polk, Florida 18 $ 4,740,000 $ 263,333 $ 97,000
Miami, Kansas 18 $ 6,570,000 $ 365,000 $ 135,000
Aitkin, Minnesota 18 $ 4,210,000 $ 233,888 $ 157,000
Hubbard, Minnesota 18 $ 4,610,000 $ 256,111 $ 180,000
Citrus, Florida 17 $ 4,175,000 $ 245,588 $ 101,000
Leavenworth, Kansas 17 $ 5,015,000 $ 295,000 $ 123,000
Pine, Minnesota 17 $ 3,645,000 $ 214,411 $ 110,000
St. Louis City, Missouri 17 $ 3,425,000 $ 201,470 $ 114,000
Montgomery, Tennessee 17 $ 4,485,000 $ 263,823 $ 75,000
Sheboygan, Wisconsin 17 $ 3,335,000 $ 196,176 $ 77,000
Volusia, Florida 16 $ 5,400,000 $ 337,500 $ 191,000
Grant, Minnesota 16 $ 2,560,000 $ 160,000 $ 70,000
Ozaukee, Wisconsin 16 $ 4,920,000 $ 307,500 $ 106,000
Racine, Wisconsin 16 $ 5,100,000 $ 318,750 $ 112,000
Sibley, Minnesota 15 $ 3,015,000 $ 201,000 $ 80,000
Dodge, Wisconsin 15 $ 2,515,000 $ 167,666 $ 78,000
Osceola, Florida 14 $ 6,020,000 $ 430,000 $ 136,000
Carlton, Minnesota 14 $ 5,880,000 $ 420,000 $ 110,000
Burnett, Wisconsin 14 $ 4,220,000 $ 301,428 $ 222,000
Douglas, Wisconsin 14 $ 4,480,000 $ 320,000 $ 116,000
Brevard, Florida 13 $ 4,165,000 $ 320,384 $ 230,000
Charlotte, Florida 13 $ 5,495,000 $ 422,692 $ 163,000
Pasco, Florida 13 $ 3,075,000 $ 236,538 $ 79,000
Itasca, Minnesota 13 $ 4,375,000 $ 336,538 $ 167,000
Fillmore, Minnesota 12 $ 1,980,000 $ 165,000 $ 80,000
Todd, Minnesota 11 $ 1,405,000 $ 127,727 $ 127,000
Dunn, Wisconsin 11 $ 8,825,000 $ 802,272 $ 110,000
Walworth, Wisconsin 11 $ 4,155,000 $ 377,727 $ 137,000
St. Clair, Illinois 10 $ 2,270,000 $ 227,000 $ 112,000
Freeborn, Minnesota 10 $ 2,300,000 $ 230,000 $ 110,000
Lake, Minnesota 10 $ 2,510,000 $ 251,000 $ 121,000
Maury, Tennessee 10 $ 3,640,000 $ 364,000 $ 110,000
Gila, Arizona 9 $ 2,625,000 $ 291,666 $ 109,000
El Paso, Colorado 9 $ 7,315,000 $ 812,777 $ 284,000
Jefferson, Colorado 9 $ 6,095,000 $ 677,222 $ 308,000
Broward, Florida 9 $ 5,525,000 $ 613,888 $ 224,000
Lake, Florida 9 $ 4,215,000 $ 468,333 $ 192,000
Cook, Minnesota 9 $ 2,755,000 $ 306,111 $ 220,000
Houston, Minnesota 9 $ 2,035,000 $ 226,111 $ 87,000
Steele, Minnesota 9 $ 1,945,000 $ 216,111 $ 104,000
Jefferson, Missouri 9 $ 2,045,000 $ 227,222 $ 85,000
Lawrence, Tennessee 9 $ 1,765,000 $ 196,111 $ 52,000
Harris, Texas 9 $ 3,285,000 $ 365,000 $ 129,000
Palm Beach, Florida 8 $ 2,480,000 $ 310,000 $ 126,000
Douglas, Kansas 8 $ 1,690,000 $ 211,250 $ 82,000
Shawnee, Kansas 8 $ 1,500,000 $ 187,500 $ 77,000
Norman, Minnesota 8 $ 940,000 $ 117,500 $ 48,000
Traill, North Dakota 8 $ 1,230,000 $ 153,750 $ 54,000
Sumner, Tennessee 8 $ 2,460,000 $ 307,500 $ 78,000
Wilson, Tennessee 8 $ 3,740,000 $ 467,500 $ 123,000
Rock, Wisconsin 8 $ 1,730,000 $ 216,250 $ 99,000
San Diego, California 7 $ 3,845,000 $ 549,285 $ 186,000
Wakulla, Florida 7 $ 1,405,000 $ 200,714 $ 63,000
Cook, Illinois 7 $ 2,255,000 $ 322,142 $ 104,000
Kanabec, Minnesota 7 $ 1,305,000 $ 186,428 $ 68,000
Kandiyohi, Minnesota 7 $ 1,935,000 $ 276,428 $ 105,000
Meeker, Minnesota 7 $ 1,575,000 $ 225,000 $ 99,000
Morrison, Minnesota 7 $ 1,985,000 $ 283,571 $ 220,000
Nicollet, Minnesota 7 $ 1,585,000 $ 226,428 $ 74,000
Barnes, North Dakota 7 $ 1,925,000 $ 275,000 $ 127,000
Burleigh, North Dakota 7 $ 1,785,000 $ 255,000 $ 118,000
Giles, Tennessee 7 $ 1,955,000 $ 279,285 $ 129,000
Barron, Wisconsin 7 $ 1,795,000 $ 256,428 $ 136,000
Manitowoc, Wisconsin 7 $ 665,000 $ 95,000 $ 39,000
Riverside, California 6 $ 2,800,000 $ 466,666 $ 216,000
Boulder, Colorado 6 $ 3,550,000 $ 591,666 $ 190,000
Denver, Colorado 6 $ 2,560,000 $ 426,666 $ 199,000
Gadsden, Florida 6 $ 1,070,000 $ 178,333 $ 64,000
Polk, Iowa 6 $ 1,300,000 $ 216,666 $ 142,000
Geary, Kansas 6 $ 940,000 $ 156,666 $ 58,000
Rio Arriba, New Mexico 6 $ 1,780,000 $ 296,666 $ 81,000
Denton, Texas 6 $ 3,480,000 $ 580,000 $ 188,000
King, Washington 6 $ 6,860,000 $ 1,143,333 $ 340,000
Kenosha, Wisconsin 6 $ 1,410,000 $ 235,000 $ 88,000
Sawyer, Wisconsin 6 $ 2,960,000 $ 493,333 $ 273,000
Cochise, Arizona 5 $ 1,295,000 $ 259,000 $ 97,000
Sumter, Florida 5 $ 1,785,000 $ 357,000 $ 185,000
Fulton, Georgia 5 $ 3,425,000 $ 685,000 $ 158,000
Madison, Illinois 5 $ 1,685,000 $ 337,000 $ 141,000
Blue Earth, Minnesota 5 $ 965,000 $ 193,000 $ 139,000
Mahnomen, Minnesota 5 $ 895,000 $ 179,000 $ 196,000
Polk, Minnesota 5 $ 1,505,000 $ 301,000 $ 127,000
Callaway, Missouri 5 $ 1,145,000 $ 229,000 $ 72,000
Camden, Missouri 5 $ 1,025,000 $ 205,000 $ 208,000
Johnson, Missouri 5 $ 1,495,000 $ 299,000 $ 145,000
Douglas, Nebraska 5 $ 865,000 $ 173,000 $ 79,000
Multnomah, Oregon 5 $ 2,835,000 $ 567,000 $ 220,000
Eau Claire, Wisconsin 5 $ 1,635,000 $ 327,000 $ 165,000
Pepin, Wisconsin 5 $ 2,905,000 $ 581,000 $ 222,000
Washburn, Wisconsin 5 $ 1,765,000 $ 353,000 $ 168,000
Santa Cruz, Arizona 4 $ 1,500,000 $ 375,000 $ 123,000
Miami-Dade, Florida 4 $ 7,690,000 $ 1,922,500 $ 744,000
Santa Rosa, Florida 4 $ 910,000 $ 227,500 $ 159,000
Walton, Florida 4 $ 2,620,000 $ 655,000 $ 226,000
Riley, Kansas 4 $ 870,000 $ 217,500 $ 88,000
Wadena, Minnesota 4 $ 550,000 $ 137,500 $ 115,000
Cole, Missouri 4 $ 970,000 $ 242,500 $ 88,000
Greene, Missouri 4 $ 12,210,000 $ 3,052,500 $ 228,000
Lewis and Clark, Montana 4 $ 1,070,000 $ 267,500 $ 87,000
Los Alamos, New Mexico 4 $ 1,170,000 $ 292,500 $ 115,000
Durham, North Carolina 4 $ 1,480,000 $ 370,000 $ 121,000
Grand Forks, North Dakota 4 $ 4,350,000 $ 1,087,500 $ 63,000
Sargent, North Dakota 4 $ 350,000 $ 87,500 $ 90,000
Coffee, Tennessee 4 $ 1,030,000 $ 257,500 $ 84,000
Sevier, Tennessee 4 $ 2,400,000 $ 600,000 $ 211,000
Dallas, Texas 4 $ 1,700,000 $ 425,000 $ 143,000
Bayfield, Wisconsin 4 $ 1,740,000 $ 435,000 $ 219,000
Brown, Wisconsin 4 $ 650,000 $ 162,500 $ 79,000
Buffalo, Wisconsin 4 $ 700,000 $ 175,000 $ 59,000
Jefferson, Wisconsin 4 $ 800,000 $ 200,000 $ 93,000
Vilas, Wisconsin 4 $ 2,240,000 $ 560,000 $ 185,000
Winnebago, Wisconsin 4 $ 810,000 $ 202,500 $ 76,000
Los Angeles, California 3 $ 2,335,000 $ 778,333 $ 253,000
Orange, California 3 $ 1,775,000 $ 591,666 $ 263,000
Douglas, Colorado 3 $ 2,915,000 $ 971,666 $ 218,000
Larimer, Colorado 3 $ 865,000 $ 288,333 $ 142,000
Duval, Florida 3 $ 1,195,000 $ 398,333 $ 134,000
Okaloosa, Florida 3 $ 915,000 $ 305,000 $ 67,000
St. Johns, Florida 3 $ 725,000 $ 241,666 $ 166,000
Forsyth, Georgia 3 $ 1,315,000 $ 438,333 $ 172,000
Bonneville, Idaho 3 $ 525,000 $ 175,000 $ 154,000
Beltrami, Minnesota 3 $ 1,045,000 $ 348,333 $ 237,000
Cottonwood, Minnesota 3 $ 9,425,000 $ 3,141,666 $ 28,000
Faribault, Minnesota 3 $ 325,000 $ 108,333 $ 139,000
Swift, Minnesota 3 $ 685,000 $ 228,333 $ 89,000
Pettis, Missouri 3 $ 995,000 $ 331,666 $ 227,000
Ray, Missouri 3 $ 485,000 $ 161,666 $ 58,000
Warren, Missouri 3 $ 695,000 $ 231,666 $ 69,000
Flathead, Montana 3 $ 5,115,000 $ 1,705,000 $ 687,000
Lancaster, Nebraska 3 $ 1,145,000 $ 381,666 $ 135,000
Dona Ana, New Mexico 3 $ 565,000 $ 188,333 $ 97,000
Socorro, New Mexico 3 $ 525,000 $ 175,000 $ 88,000
Taos, New Mexico 3 $ 1,455,000 $ 485,000 $ 535,000
Wake, North Carolina 3 $ 1,685,000 $ 561,666 $ 495,000
Ransom, North Dakota 3 $ 635,000 $ 211,666 $ 65,000
Stutsman, North Dakota 3 $ 2,775,000 $ 925,000 $ 179,000
Ward, North Dakota 3 $ 735,000 $ 245,000 $ 168,000
Beaufort, South Carolina 3 $ 1,545,000 $ 515,000 $ 341,000
Beadle, South Dakota 3 $ 2,025,000 $ 675,000 $ 0
Lincoln, South Dakota 3 $ 825,000 $ 275,000 $ 151,000
Minnehaha, South Dakota 3 $ 755,000 $ 251,666 $ 108,000
Bedford, Tennessee 3 $ 1,275,000 $ 425,000 $ 133,000
Cheatham, Tennessee 3 $ 975,000 $ 325,000 $ 111,000
Franklin, Tennessee 3 $ 2,295,000 $ 765,000 $ 331,000
Lewis, Tennessee 3 $ 415,000 $ 138,333 $ 70,000
Bexar, Texas 3 $ 935,000 $ 311,666 $ 159,000
Tarrant, Texas 3 $ 40,535,000 $ 13,511,666 $ 315,000
Williamson, Texas 3 $ 1,355,000 $ 451,666 $ 153,000
Chippewa, Wisconsin 3 $ 975,000 $ 325,000 $ 176,000
La Crosse, Wisconsin 3 $ 975,000 $ 325,000 $ 121,000
Lincoln, Wisconsin 3 $ 505,000 $ 168,333 $ 131,000
Outagamie, Wisconsin 3 $ 1,005,000 $ 335,000 $ 102,000
Trempealeau, Wisconsin 3 $ 1,195,000 $ 398,333 $ 444,000
Elmore, Alabama 2 $ 650,000 $ 325,000 $ 239,000
Washington, Arkansas 2 $ 290,000 $ 145,000 $ 57,000
Sacramento, California 2 $ 810,000 $ 405,000 $ 221,000
Santa Barbara, California 2 $ 880,000 $ 440,000 $ 134,000
Ventura, California 2 $ 4,700,000 $ 2,350,000 $ 832,000
Park, Colorado 2 $ 610,000 $ 305,000 $ 216,000
Bay, Florida 2 $ 460,000 $ 230,000 $ 85,000
Escambia, Florida 2 $ 720,000 $ 360,000 $ 141,000
Flagler, Florida 2 $ 470,000 $ 235,000 $ 125,000
Hernando, Florida 2 $ 500,000 $ 250,000 $ 60,000
Indian River, Florida 2 $ 750,000 $ 375,000 $ 232,000
Marion, Florida 2 $ 720,000 $ 360,000 $ 112,000
Okeechobee, Florida 2 $ 370,000 $ 185,000 $ 48,000
Cobb, Georgia 2 $ 740,000 $ 370,000 $ 118,000
Paulding, Georgia 2 $ 680,000 $ 340,000 $ 106,000
Ada, Idaho 2 $ 1,510,000 $ 755,000 $ 303,000
Bonner, Idaho 2 $ 1,640,000 $ 820,000 $ 334,000
Kane, Illinois 2 $ 370,000 $ 185,000 $ 182,000
Will, Illinois 2 $ 560,000 $ 280,000 $ 501,000
Winnebago, Illinois 2 $ 530,000 $ 265,000 $ 60,000
Linn, Iowa 2 $ 370,000 $ 185,000 $ 88,000
Atchison, Kansas 2 $ 890,000 $ 445,000 $ 164,000
Franklin, Kansas 2 $ 480,000 $ 240,000 $ 128,000
Linn, Kansas 2 $ 810,000 $ 405,000 $ 202,000
Sedgwick, Kansas 2 $ 500,000 $ 250,000 $ 80,000
Macomb, Michigan 2 $ 920,000 $ 460,000 $ 148,000
Midland, Michigan 2 $ 200,000 $ 100,000 $ 0
Oakland, Michigan 2 $ 400,000 $ 200,000 $ 99,000
Big Stone, Minnesota 2 $ 260,000 $ 130,000 $ 51,000
Koochiching, Minnesota 2 $ 230,000 $ 115,000 $ 47,000
Pipestone, Minnesota 2 $ 260,000 $ 130,000 $ 41,000
Redwood, Minnesota 2 $ 190,000 $ 95,000 $ 58,000
Renville, Minnesota 2 $ 180,000 $ 90,000 $ 112,000
Traverse, Minnesota 2 $ 200,000 $ 100,000 $ 56,000
Waseca, Minnesota 2 $ 550,000 $ 275,000 $ 118,000
Christian, Missouri 2 $ 610,000 $ 305,000 $ 102,000
Howard, Missouri 2 $ 280,000 $ 140,000 $ 77,000
Moniteau, Missouri 2 $ 470,000 $ 235,000 $ 98,000
Morgan, Missouri 2 $ 790,000 $ 395,000 $ 256,000
Pulaski, Missouri 2 $ 210,000 $ 105,000 $ 41,000
Vernon, Missouri 2 $ 340,000 $ 170,000 $ 91,000
Carbon, Montana 2 $ 1,180,000 $ 590,000 $ 134,000
San Miguel, New Mexico 2 $ 1,460,000 $ 730,000 $ 218,000
Guilford, North Carolina 2 $ 330,000 $ 165,000 $ 47,000
Pender, North Carolina 2 $ 610,000 $ 305,000 $ 94,000
Calhoun, South Carolina 2 $ 230,000 $ 115,000 $ 0
Horry, South Carolina 2 $ 610,000 $ 305,000 $ 69,000
Lancaster, South Carolina 2 $ 690,000 $ 345,000 $ 135,000
Brown, South Dakota 2 $ 390,000 $ 195,000 $ 55,000
Lawrence, South Dakota 2 $ 560,000 $ 280,000 $ 164,000
Claiborne, Tennessee 2 $ 680,000 $ 340,000 $ 116,000
Cumberland, Tennessee 2 $ 390,000 $ 195,000 $ 59,000
Gibson, Tennessee 2 $ 230,000 $ 115,000 $ 85,000
Haywood, Tennessee 2 $ 230,000 $ 115,000 $ 85,000
Lincoln, Tennessee 2 $ 430,000 $ 215,000 $ 61,000
Madison, Tennessee 2 $ 270,000 $ 135,000 $ 71,000
Marion, Tennessee 2 $ 1,050,000 $ 525,000 $ 180,000
Marshall, Tennessee 2 $ 940,000 $ 470,000 $ 163,000
Robertson, Tennessee 2 $ 730,000 $ 365,000 $ 74,000
Shelby, Tennessee 2 $ 370,000 $ 185,000 $ 241,000
Collin, Texas 2 $ 1,350,000 $ 675,000 $ 200,000
Fort Bend, Texas 2 $ 960,000 $ 480,000 $ 117,000
Montgomery, Texas 2 $ 600,000 $ 300,000 $ 135,000
Travis, Texas 2 $ 630,000 $ 315,000 $ 248,000
Roanoke, Virginia 2 $ 550,000 $ 275,000 $ 71,000
Benton, Washington 2 $ 46,210,000 $ 23,105,000 $ 0
Kitsap, Washington 2 $ 2,370,000 $ 1,185,000 $ 954,000
Adams, Wisconsin 2 $ 660,000 $ 330,000 $ 150,000
Columbia, Wisconsin 2 $ 870,000 $ 435,000 $ 198,000
Door, Wisconsin 2 $ 600,000 $ 300,000 $ 143,000
Green Lake, Wisconsin 2 $ 490,000 $ 245,000 $ 125,000
Oneida, Wisconsin 2 $ 530,000 $ 265,000 $ 277,000
Sauk, Wisconsin 2 $ 930,000 $ 465,000 $ 174,000
Waushara, Wisconsin 2 $ 440,000 $ 220,000 $ 232,000
Wood, Wisconsin 2 $ 390,000 $ 195,000 $ 93,000
Baldwin, Alabama 1 $ 495,000 $ 495,000 $ 214,000
Cullman, Alabama 1 $ 645,000 $ 645,000 $ 365,000
Jefferson, Alabama 1 $ 95,000 $ 95,000 $ 155,000
Marshall, Alabama 1 $ 205,000 $ 205,000 $ 72,000
Shelby, Alabama 1 $ 565,000 $ 565,000 $ 165,000
Apache, Arizona 1 $ 355,000 $ 355,000 $ 155,000
Graham, Arizona 1 $ 255,000 $ 255,000 $ 153,000
Mohave, Arizona 1 $ 185,000 $ 185,000 $ 43,000
Yuma, Arizona 1 $ 175,000 $ 175,000 $ 183,000
Benton, Arkansas 1 $ 1,135,000 $ 1,135,000 $ 400,000
Faulkner, Arkansas 1 $ 635,000 $ 635,000 $ 179,000
Lonoke, Arkansas 1 $ 195,000 $ 195,000 $ 49,000
Sebastian, Arkansas 1 $ 365,000 $ 365,000 $ 150,000
Alameda, California 1 $ 525,000 $ 525,000 $ 285,000
Kern, California 1 $ 225,000 $ 225,000 $ 110,000
Kings, California 1 $ 505,000 $ 505,000 $ 247,000
San Bernardino, California 1 $ 655,000 $ 655,000 $ 175,000
San Francisco, California 1 $ 645,000 $ 645,000 $ 208,000
San Luis Obispo, California 1 $ 1,115,000 $ 1,115,000 $ 260,000
Santa Clara, California 1 $ 735,000 $ 735,000 $ 384,000
Solano, California 1 $ 525,000 $ 525,000 $ 302,000
Sonoma, California 1 $ 625,000 $ 625,000 $ 521,000
Arapahoe, Colorado 1 $ 645,000 $ 645,000 $ 242,000
Archuleta, Colorado 1 $ 525,000 $ 525,000 $ 274,000
Broomfield, Colorado 1 $ 205,000 $ 205,000 $ 226,000
Delta, Colorado 1 $ 485,000 $ 485,000 $ 144,000
Montezuma, Colorado 1 $ 405,000 $ 405,000 $ 457,000
Ouray, Colorado 1 $ 1,125,000 $ 1,125,000 $ 368,000
San Miguel, Colorado 1 $ 1,605,000 $ 1,605,000 $ 486,000
Summit, Colorado 1 $ 1,005,000 $ 1,005,000 $ 187,000
Teller, Colorado 1 $ 245,000 $ 245,000 $ 76,000
Weld, Colorado 1 $ 605,000 $ 605,000 $ 133,000
Litchfield, Connecticut 1 $ 395,000 $ 395,000 $ 0
Clay, Florida 1 $ 455,000 $ 455,000 $ 103,000
Franklin, Florida 1 $ 135,000 $ 135,000 $ 66,000
Glades, Florida 1 $ 165,000 $ 165,000 $ 71,000
Hendry, Florida 1 $ 165,000 $ 165,000 $ 49,000
Jackson, Florida 1 $ 275,000 $ 275,000 $ 120,000
Nassau, Florida 1 $ 165,000 $ 165,000 $ 147,000
St. Lucie, Florida 1 $ 345,000 $ 345,000 $ 255,000
Barrow, Georgia 1 $ 105,000 $ 105,000 $ 57,000
Carroll, Georgia 1 $ 215,000 $ 215,000 $ 49,000
Catoosa, Georgia 1 $ 845,000 $ 845,000 $ 246,000
Coweta, Georgia 1 $ 315,000 $ 315,000 $ 86,000
DeKalb, Georgia 1 $ 645,000 $ 645,000 $ 215,000
Dooly, Georgia 1 $ 145,000 $ 145,000 $ 50,000
Dougherty, Georgia 1 $ 115,000 $ 115,000 $ 41,000
Fannin, Georgia 1 $ 625,000 $ 625,000 $ 382,000
Glynn, Georgia 1 $ 705,000 $ 705,000 $ 616,000
Grady, Georgia 1 $ 225,000 $ 225,000 $ 95,000
Lowndes, Georgia 1 $ 185,000 $ 185,000 $ 37,000
Richmond, Georgia 1 $ 205,000 $ 205,000 $ 221,000
Thomas, Georgia 1 $ 155,000 $ 155,000 $ 23,000
Whitfield, Georgia 1 $ 375,000 $ 375,000 $ 241,000
Elmore, Idaho 1 $ 425,000 $ 425,000 $ 153,000
Boone, Illinois 1 $ 205,000 $ 205,000 $ 127,000
Champaign, Illinois 1 $ 215,000 $ 215,000 $ 97,000
DuPage, Illinois 1 $ 65,000 $ 65,000 $ 215,000
Effingham, Illinois 1 $ 95,000 $ 95,000 $ 28,000
Knox, Illinois 1 $ 135,000 $ 135,000 $ 35,000
Lake, Illinois 1 $ 275,000 $ 275,000 $ 102,000
McHenry, Illinois 1 $ 175,000 $ 175,000 $ 74,000
McLean, Illinois 1 $ 295,000 $ 295,000 $ 150,000
Moultrie, Illinois 1 $ 255,000 $ 255,000 $ 144,000
Sangamon, Illinois 1 $ 365,000 $ 365,000 $ 188,000
Appanoose, Iowa 1 $ 245,000 $ 245,000 $ 85,000
Butler, Iowa 1 $ 75,000 $ 75,000 $ 27,000
Dallas, Iowa 1 $ 125,000 $ 125,000 $ 122,000
Delaware, Iowa 1 $ 165,000 $ 165,000 $ 119,000
Johnson, Iowa 1 $ 395,000 $ 395,000 $ 151,000
Mitchell, Iowa 1 $ 155,000 $ 155,000 $ 63,000
Tama, Iowa 1 $ 225,000 $ 225,000 $ 110,000
Bourbon, Kansas 1 $ 335,000 $ 335,000 $ 217,000
Crawford, Kansas 1 $ 35,000 $ 35,000 $ 441,000
Finney, Kansas 1 $ 275,000 $ 275,000 $ 56,000
Jackson, Kansas 1 $ 295,000 $ 295,000 $ 92,000
Osage, Kansas 1 $ 125,000 $ 125,000 $ 46,000
Pottawatomie, Kansas 1 $ 305,000 $ 305,000 $ 138,000
Jefferson, Kentucky 1 $ 255,000 $ 255,000 $ 176,000
Charlevoix, Michigan 1 $ 185,000 $ 185,000 $ 105,000
Kent, Michigan 1 $ 75,000 $ 75,000 $ 56,000
Brown, Minnesota 1 $ 185,000 $ 185,000 $ 111,000
Clearwater, Minnesota 1 $ 365,000 $ 365,000 $ 163,000
Jackson, Minnesota 1 $ 255,000 $ 255,000 $ 206,000
Lac qui Parle, Minnesota 1 $ 95,000 $ 95,000 $ 33,000
Lincoln, Minnesota 1 $ 405,000 $ 405,000 $ 87,000
Lyon, Minnesota 1 $ 55,000 $ 55,000 $ 35,000
Martin, Minnesota 1 $ 165,000 $ 165,000 $ 80,000
Nobles, Minnesota 1 $ 325,000 $ 325,000 $ 92,000
Pennington, Minnesota 1 $ 65,000 $ 65,000 $ 78,000
Roseau, Minnesota 1 $ 395,000 $ 395,000 $ 103,000
Stevens, Minnesota 1 $ 795,000 $ 795,000 $ 372,000
Yellow Medicine, Minnesota 1 $ 135,000 $ 135,000 $ 74,000
Adair, Missouri 1 $ 85,000 $ 85,000 $ 154,000
Audrain, Missouri 1 $ 95,000 $ 95,000 $ 57,000
Barry, Missouri 1 $ 365,000 $ 365,000 $ 87,000
Buchanan, Missouri 1 $ 165,000 $ 165,000 $ 79,000
Dade, Missouri 1 $ 395,000 $ 395,000 $ 170,000
Franklin, Missouri 1 $ 205,000 $ 205,000 $ 123,000
Gasconade, Missouri 1 $ 145,000 $ 145,000 $ 0
Lafayette, Missouri 1 $ 55,000 $ 55,000 $ 29,000
Lawrence, Missouri 1 $ 145,000 $ 145,000 $ 54,000
Lincoln, Missouri 1 $ 305,000 $ 305,000 $ 109,000
Ralls, Missouri 1 $ 395,000 $ 395,000 $ 410,000
Reynolds, Missouri 1 $ 125,000 $ 125,000 $ 124,000
Scott, Missouri 1 $ 405,000 $ 405,000 $ 94,000
Taney, Missouri 1 $ 675,000 $ 675,000 $ 179,000
Webster, Missouri 1 $ 105,000 $ 105,000 $ 39,000
Cascade, Montana 1 $ 2,355,000 $ 2,355,000 $ 0
Madison, Montana 1 $ 475,000 $ 475,000 $ 278,000
Madison, Nebraska 1 $ 245,000 $ 245,000 $ 75,000
Nemaha, Nebraska 1 $ 105,000 $ 105,000 $ 198,000
Thayer, Nebraska 1 $ 135,000 $ 135,000 $ 30,000
Clark, Nevada 1 $ 395,000 $ 395,000 $ 308,000
Carroll, New Hampshire 1 $ 3,065,000 $ 3,065,000 $ 2,014,000
Eddy, New Mexico 1 $ 185,000 $ 185,000 $ 256,000
San Juan, New Mexico 1 $ 125,000 $ 125,000 $ 194,000
Torrance, New Mexico 1 $ 145,000 $ 145,000 $ 47,000
Valencia, New Mexico 1 $ 145,000 $ 145,000 $ 88,000
Avery, North Carolina 1 $ 145,000 $ 145,000 $ 101,000
Buncombe, North Carolina 1 $ 305,000 $ 305,000 $ 90,000
Cherokee, North Carolina 1 $ 175,000 $ 175,000 $ 129,000
Craven, North Carolina 1 $ 155,000 $ 155,000 $ 52,000
Cumberland, North Carolina 1 $ 115,000 $ 115,000 $ 47,000
Haywood, North Carolina 1 $ 135,000 $ 135,000 $ 63,000
Johnston, North Carolina 1 $ 445,000 $ 445,000 $ 140,000
Lincoln, North Carolina 1 $ 105,000 $ 105,000 $ 50,000
New Hanover, North Carolina 1 $ 1,335,000 $ 1,335,000 $ 517,000
Onslow, North Carolina 1 $ 245,000 $ 245,000 $ 0
Union, North Carolina 1 $ 935,000 $ 935,000 $ 188,000
Wayne, North Carolina 1 $ 155,000 $ 155,000 $ 0
Bottineau, North Dakota 1 $ 445,000 $ 445,000 $ 0
Dickey, North Dakota 1 $ 105,000 $ 105,000 $ 0
LaMoure, North Dakota 1 $ 285,000 $ 285,000 $ 111,000
Morton, North Dakota 1 $ 175,000 $ 175,000 $ 183,000
Rolette, North Dakota 1 $ 195,000 $ 195,000 $ 65,000
Stark, North Dakota 1 $ 615,000 $ 615,000 $ 170,000
Murray, Oklahoma 1 $ 175,000 $ 175,000 $ 188,000
Tillamook, Oregon 1 $ 505,000 $ 505,000 $ 561,000
Washington, Oregon 1 $ 355,000 $ 355,000 $ 70,000
Aiken, South Carolina 1 $ 145,000 $ 145,000 $ 60,000
Jasper, South Carolina 1 $ 275,000 $ 275,000 $ 150,000
Lexington, South Carolina 1 $ 285,000 $ 285,000 $ 87,000
Richland, South Carolina 1 $ 355,000 $ 355,000 $ 64,000
Edmunds, South Dakota 1 $ 145,000 $ 145,000 $ 44,000
Grant, South Dakota 1 $ 95,000 $ 95,000 $ 40,000
Lake, South Dakota 1 $ 505,000 $ 505,000 $ 193,000
Marshall, South Dakota 1 $ 1,145,000 $ 1,145,000 $ 256,000
Pennington, South Dakota 1 $ 42,495,000 $ 42,495,000 $ 0
Roberts, South Dakota 1 $ 45,000 $ 45,000 $ 42,000
Union, South Dakota 1 $ 305,000 $ 305,000 $ 143,000
Campbell, Tennessee 1 $ 385,000 $ 385,000 $ 69,000
Cannon, Tennessee 1 $ 295,000 $ 295,000 $ 69,000
DeKalb, Tennessee 1 $ 635,000 $ 635,000 $ 270,000
Dickson, Tennessee 1 $ 125,000 $ 125,000 $ 67,000
Hamblen, Tennessee 1 $ 405,000 $ 405,000 $ 54,000
Hamilton, Tennessee 1 $ 325,000 $ 325,000 $ 94,000
Hawkins, Tennessee 1 $ 595,000 $ 595,000 $ 106,000
Hickman, Tennessee 1 $ 335,000 $ 335,000 $ 142,000
Moore, Tennessee 1 $ 185,000 $ 185,000 $ 92,000
Morgan, Tennessee 1 $ 275,000 $ 275,000 $ 107,000
Obion, Tennessee 1 $ 145,000 $ 145,000 $ 108,000
Overton, Tennessee 1 $ 185,000 $ 185,000 $ 73,000
Tipton, Tennessee 1 $ 265,000 $ 265,000 $ 96,000
Angelina, Texas 1 $ 135,000 $ 135,000 $ 59,000
Bailey, Texas 1 $ 145,000 $ 145,000 $ 25,000
Bell, Texas 1 $ 145,000 $ 145,000 $ 96,000
Galveston, Texas 1 $ 325,000 $ 325,000 $ 183,000
Hardin, Texas 1 $ 125,000 $ 125,000 $ 56,000
Hunt, Texas 1 $ 225,000 $ 225,000 $ 0
Karnes, Texas 1 $ 195,000 $ 195,000 $ 53,000
Kaufman, Texas 1 $ 235,000 $ 235,000 $ 52,000
Lubbock, Texas 1 $ 235,000 $ 235,000 $ 78,000
Midland, Texas 1 $ 415,000 $ 415,000 $ 154,000
Nueces, Texas 1 $ 155,000 $ 155,000 $ 148,000
Potter, Texas 1 $ 535,000 $ 535,000 $ 389,000
Rockwall, Texas 1 $ 475,000 $ 475,000 $ 176,000
Waller, Texas 1 $ 415,000 $ 415,000 $ 122,000
Wise, Texas 1 $ 985,000 $ 985,000 $ 330,000
Davis, Utah 1 $ 145,000 $ 145,000 $ 134,000
Salt Lake, Utah 1 $ 35,000 $ 35,000 $ 38,000
Henrico, Virginia 1 $ 175,000 $ 175,000 $ 63,000
Clallam, Washington 1 $ 395,000 $ 395,000 $ 151,000
Grant, Washington 1 $ 195,000 $ 195,000 $ 41,000
Mason, Washington 1 $ 205,000 $ 205,000 $ 155,000
Pierce, Washington 1 $ 645,000 $ 645,000 $ 332,000
Snohomish, Washington 1 $ 1,005,000 $ 1,005,000 $ 396,000
Whatcom, Washington 1 $ 45,000 $ 45,000 $ 132,000
Ashland, Wisconsin 1 $ 135,000 $ 135,000 $ 72,000
Calumet, Wisconsin 1 $ 85,000 $ 85,000 $ 54,000
Crawford, Wisconsin 1 $ 115,000 $ 115,000 $ 60,000
Forest, Wisconsin 1 $ 305,000 $ 305,000 $ 121,000
Grant, Wisconsin 1 $ 165,000 $ 165,000 $ 57,000
Green, Wisconsin 1 $ 645,000 $ 645,000 $ 302,000
Juneau, Wisconsin 1 $ 355,000 $ 355,000 $ 302,000
Kewaunee, Wisconsin 1 $ 195,000 $ 195,000 $ 65,000
Marathon, Wisconsin 1 $ 375,000 $ 375,000 $ 153,000
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Mortgage Loan Application Detail Totals for Bell Bank in 2022

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 10,923 $4,199,695,000 $384,000 $42,495,000 $143,000 $8,661,000
Home Improvement 1,592 $183,620,000 $115,000 $1,505,000 $171,000 $1,925,000
Refinancing 1,344 $491,360,000 $365,000 $16,535,000 $179,000 $6,328,000
Other Purpose 1,245 $259,495,000 $208,000 $6,005,000 $202,000 $2,355,000
Cash-out Refinancing 1,117 $323,245,000 $289,000 $1,555,000 $123,000 $2,162,000
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 11,969 $3,709,415,000 $309,000 $6,005,000 $155,000 $8,661,000
Not Provided 1,637 $577,745,000 $352,000 $2,805,000 $167,000 $2,303,000
Hispanic 869 $254,775,000 $293,000 $1,405,000 $109,000 $911,000
Asian 604 $211,560,000 $350,000 $1,655,000 $142,000 $916,000
Black or African American 577 $164,175,000 $284,000 $1,505,000 $110,000 $1,075,000
Not applicable 378 $479,450,000 $1,268,000 $42,495,000 $0 $0
American Indian or Alaskan Native 83 $22,765,000 $274,000 $725,000 $102,000 $421,000
Native Hawaiian or Other Pacific Islander 12 $3,400,000 $283,000 $645,000 $92,000 $162,000

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) 14,969 $5,093,455,000 $340,000 $42,495,000 $156,000 $8,661,000
FHA-insured (Federal Housing Administration) 693 $185,235,000 $267,000 $595,000 $81,000 $240,000
VA-guaranteed (Veterans Administration) 495 $164,185,000 $331,000 $1,305,000 $104,000 $1,535,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 64 $14,540,000 $227,000 $405,000 $74,000 $129,000

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 13,267 $4,492,525,000 $338,000 $42,495,000 $154,000 $8,661,000
Application Withdrawn By Applicant 1,973 $696,815,000 $353,000 $3,005,000 $150,000 $2,303,000
Application Denied By Financial Institution 774 $198,760,000 $256,000 $2,205,000 $107,000 $1,290,000
Application Approved But Not Accepted 150 $49,610,000 $330,000 $7,505,000 $147,000 $700,000
Loan Purchased By The Institution 45 $16,985,000 $377,000 $2,355,000 $0 $0
File Closed For Incompleteness 12 $2,720,000 $226,000 $885,000 $135,000 $589,000
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 15,447 $5,258,655,000 $340,000 $42,495,000 $153,000 $8,661,000
Debt-To-Income Ratio 269 $59,055,000 $219,000 $1,085,000 $71,000 $375,000
Collateral 150 $43,620,000 $290,000 $1,995,000 $149,000 $774,000
Credit History 149 $31,965,000 $214,000 $985,000 $100,000 $695,000
Other 101 $32,985,000 $326,000 $1,415,000 $146,000 $967,000
Credit Application Incomplete 63 $21,025,000 $333,000 $2,205,000 $123,000 $1,290,000
Unverifiable Information 16 $2,200,000 $137,000 $805,000 $131,000 $444,000
Employment History 14 $2,800,000 $200,000 $515,000 $43,000 $157,000
Insufficient Cash (Downpayment, Closing Cost) 12 $5,110,000 $425,000 $1,375,000 $107,000 $394,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bell Bank's 2022 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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