Bell Bank Mortgage Lending & HMDA Data, 2024

In 2024, Bell Bank of Fargo, ND reported 13,496 mortgage applications totaling $4.1 billion, up 11% from 2023. The average application was for $305,467, and applicants reported an average income of $158,129. 81% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (5,852), Phoenix-Mesa-Scottsdale, AZ (1,501) and Fargo, ND-MN (851) (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 13,496
Total Mortgage Loan Application Amount $4,122,590,000
Average Mortgage Loan Application Amount $305,467
Highest Mortgage Loan Application Amount $49,145,000
Average Applicant Income $158,129
Highest Applicant Income $6,935,000

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Disclosure Act (HMDA) records Bell Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hennepin, Minnesota 2,070 $ 669,960,000 $ 323,652 $ 176,000
Maricopa, Arizona 1,367 $ 520,555,000 $ 380,801 $ 192,000
Ramsey, Minnesota 813 $ 206,895,000 $ 254,483 $ 130,000
Dakota, Minnesota 696 $ 201,300,000 $ 289,224 $ 138,000
Anoka, Minnesota 598 $ 159,570,000 $ 266,839 $ 131,000
Cass, North Dakota 597 $ 120,435,000 $ 201,733 $ 149,000
Washington, Minnesota 559 $ 176,975,000 $ 316,592 $ 163,000
Dane, Wisconsin 310 $ 122,250,000 $ 394,354 $ 165,000
Clay, Minnesota 254 $ 35,290,000 $ 138,937 $ 103,000
Scott, Minnesota 228 $ 73,150,000 $ 320,833 $ 187,000
Curry, New Mexico 206 $ 27,990,000 $ 135,873 $ 83,000
Johnson, Kansas 202 $ 76,260,000 $ 377,524 $ 167,000
Wright, Minnesota 200 $ 62,000,000 $ 310,000 $ 164,000
St. Louis, Minnesota 198 $ 51,550,000 $ 260,353 $ 176,000
Otter Tail, Minnesota 183 $ 32,045,000 $ 175,109 $ 123,000
Olmsted, Minnesota 181 $ 44,385,000 $ 245,220 $ 128,000
Carver, Minnesota 177 $ 68,195,000 $ 385,282 $ 202,000
Douglas, Minnesota 138 $ 27,540,000 $ 199,565 $ 161,000
Becker, Minnesota 136 $ 24,450,000 $ 179,779 $ 176,000
Pinal, Arizona 134 $ 41,250,000 $ 307,835 $ 146,000
St. Croix, Wisconsin 127 $ 43,835,000 $ 345,157 $ 163,000
Chisago, Minnesota 114 $ 32,150,000 $ 282,017 $ 129,000
Jackson, Missouri 112 $ 29,530,000 $ 263,660 $ 118,000
Sherburne, Minnesota 106 $ 30,370,000 $ 286,509 $ 132,000
Bernalillo, New Mexico 104 $ 33,780,000 $ 324,807 $ 155,000
Boone, Missouri 101 $ 31,705,000 $ 313,910 $ 125,000
Waukesha, Wisconsin 92 $ 30,780,000 $ 334,565 $ 160,000
Goodhue, Minnesota 81 $ 18,295,000 $ 225,864 $ 100,000
Washington, Wisconsin 77 $ 15,945,000 $ 207,077 $ 99,000
Milwaukee, Wisconsin 76 $ 17,290,000 $ 227,500 $ 122,000
St. Louis, Missouri 73 $ 19,285,000 $ 264,178 $ 110,000
Isanti, Minnesota 72 $ 17,370,000 $ 241,250 $ 133,000
Douglas, Kansas 65 $ 17,525,000 $ 269,615 $ 129,000
Highlands, Florida 62 $ 11,430,000 $ 184,354 $ 79,000
Santa Fe, New Mexico 60 $ 24,810,000 $ 413,500 $ 180,000
Stearns, Minnesota 58 $ 12,470,000 $ 215,000 $ 90,000
Richland, North Dakota 58 $ 8,700,000 $ 150,000 $ 117,000
Pinellas, Florida 54 $ 19,600,000 $ 362,962 $ 161,000
Pierce, Wisconsin 53 $ 16,155,000 $ 304,811 $ 139,000
Winona, Minnesota 52 $ 8,350,000 $ 160,576 $ 89,000
Lee, Florida 51 $ 19,415,000 $ 380,686 $ 230,000
Dodge, Minnesota 44 $ 9,780,000 $ 222,272 $ 109,000
St. Charles, Missouri 44 $ 14,000,000 $ 318,181 $ 135,000
Rock, Wisconsin 42 $ 11,110,000 $ 264,523 $ 110,000
Crow Wing, Minnesota 41 $ 12,925,000 $ 315,243 $ 241,000
Rice, Minnesota 41 $ 10,245,000 $ 249,878 $ 112,000
Wyandotte, Kansas 40 $ 8,430,000 $ 210,750 $ 100,000
Polk, Wisconsin 39 $ 10,745,000 $ 275,512 $ 167,000
Mower, Minnesota 37 $ 6,235,000 $ 168,513 $ 78,000
Orange, Florida 35 $ 22,995,000 $ 657,000 $ 388,000
Sheboygan, Wisconsin 35 $ 8,585,000 $ 245,285 $ 114,000
Hillsborough, Florida 34 $ 13,300,000 $ 391,176 $ 196,000
Roosevelt, New Mexico 33 $ 2,915,000 $ 88,333 $ 65,000
Sandoval, New Mexico 33 $ 10,255,000 $ 310,757 $ 138,000
Wilkin, Minnesota 29 $ 3,705,000 $ 127,758 $ 142,000
Larimer, Colorado 28 $ 13,310,000 $ 475,357 $ 166,000
Douglas, Wisconsin 28 $ 6,180,000 $ 220,714 $ 176,000
Davidson, Tennessee 26 $ 10,800,000 $ 415,384 $ 252,000
Seminole, Florida 24 $ 9,280,000 $ 386,666 $ 166,000
Carlton, Minnesota 24 $ 6,370,000 $ 265,416 $ 220,000
Sauk, Wisconsin 24 $ 7,380,000 $ 307,500 $ 120,000
Palm Beach, Florida 23 $ 7,985,000 $ 347,173 $ 186,000
Navajo, Arizona 22 $ 10,130,000 $ 460,454 $ 274,000
St. Johns, Florida 22 $ 12,710,000 $ 577,727 $ 223,000
Shawnee, Kansas 22 $ 4,350,000 $ 197,727 $ 94,000
Clay, Missouri 22 $ 8,460,000 $ 384,545 $ 159,000
Cook, Illinois 21 $ 10,835,000 $ 515,952 $ 223,000
Mille Lacs, Minnesota 21 $ 5,795,000 $ 275,952 $ 155,000
Maury, Tennessee 21 $ 7,435,000 $ 354,047 $ 114,000
Pima, Arizona 20 $ 7,240,000 $ 362,000 $ 286,000
Yavapai, Arizona 20 $ 6,180,000 $ 309,000 $ 136,000
Kanabec, Minnesota 20 $ 4,080,000 $ 204,000 $ 120,000
McLeod, Minnesota 20 $ 4,670,000 $ 233,500 $ 110,000
St. Louis City, Missouri 20 $ 4,480,000 $ 224,000 $ 113,000
Columbia, Wisconsin 20 $ 4,290,000 $ 214,500 $ 88,000
Pasco, Florida 19 $ 5,285,000 $ 278,157 $ 134,000
Cass, Missouri 19 $ 6,355,000 $ 334,473 $ 145,000
Dodge, Wisconsin 19 $ 4,615,000 $ 242,894 $ 86,000
Duval, Florida 18 $ 7,330,000 $ 407,222 $ 142,000
Cass, Minnesota 18 $ 6,710,000 $ 372,777 $ 280,000
Fillmore, Minnesota 18 $ 2,800,000 $ 155,555 $ 80,000
Le Sueur, Minnesota 18 $ 3,810,000 $ 211,666 $ 110,000
Steele, Minnesota 18 $ 2,900,000 $ 161,111 $ 97,000
Itasca, Minnesota 17 $ 3,225,000 $ 189,705 $ 124,000
Fond du Lac, Wisconsin 17 $ 3,615,000 $ 212,647 $ 90,000
Coconino, Arizona 16 $ 11,300,000 $ 706,250 $ 422,000
Williamson, Tennessee 16 $ 9,700,000 $ 606,250 $ 251,000
Burnett, Wisconsin 16 $ 4,190,000 $ 261,875 $ 280,000
Leon, Florida 15 $ 3,915,000 $ 261,000 $ 138,000
Leavenworth, Kansas 15 $ 4,905,000 $ 327,000 $ 130,000
Ozaukee, Wisconsin 15 $ 4,965,000 $ 331,000 $ 128,000
Walworth, Wisconsin 15 $ 4,765,000 $ 317,666 $ 152,000
Pope, Minnesota 14 $ 1,520,000 $ 108,571 $ 89,000
Sarasota, Florida 13 $ 4,325,000 $ 332,692 $ 230,000
Racine, Wisconsin 13 $ 3,605,000 $ 277,307 $ 120,000
Gila, Arizona 12 $ 5,910,000 $ 492,500 $ 226,000
Collier, Florida 12 $ 9,650,000 $ 804,166 $ 521,000
St. Clair, Illinois 12 $ 1,970,000 $ 164,166 $ 132,000
Grant, Minnesota 12 $ 1,390,000 $ 115,833 $ 105,000
Sedgwick, Kansas 11 $ 2,285,000 $ 207,727 $ 77,000
Aitkin, Minnesota 11 $ 3,465,000 $ 315,000 $ 256,000
Pine, Minnesota 11 $ 2,455,000 $ 223,181 $ 129,000
Sibley, Minnesota 11 $ 2,315,000 $ 210,454 $ 84,000
Wabasha, Minnesota 11 $ 2,845,000 $ 258,636 $ 123,000
Burleigh, North Dakota 11 $ 3,105,000 $ 282,272 $ 181,000
Adams, Wisconsin 11 $ 2,365,000 $ 215,000 $ 134,000
Lake, Florida 10 $ 2,910,000 $ 291,000 $ 121,000
Manatee, Florida 10 $ 4,040,000 $ 404,000 $ 183,000
Miami, Kansas 10 $ 2,730,000 $ 273,000 $ 134,000
Cook, Minnesota 10 $ 3,940,000 $ 394,000 $ 414,000
Jefferson, Wisconsin 10 $ 3,180,000 $ 318,000 $ 122,000
Denver, Colorado 9 $ 9,325,000 $ 1,036,111 $ 1,375,000
Charlotte, Florida 9 $ 3,095,000 $ 343,888 $ 165,000
Polk, Florida 9 $ 1,855,000 $ 206,111 $ 126,000
Norman, Minnesota 9 $ 1,615,000 $ 179,444 $ 82,000
Cole, Missouri 9 $ 2,355,000 $ 261,666 $ 113,000
Jefferson, Missouri 9 $ 2,685,000 $ 298,333 $ 113,000
Warren, Missouri 9 $ 1,965,000 $ 218,333 $ 129,000
Traill, North Dakota 9 $ 845,000 $ 93,888 $ 129,000
Marshall, Tennessee 9 $ 3,015,000 $ 335,000 $ 122,000
Montgomery, Tennessee 9 $ 1,835,000 $ 203,888 $ 69,000
Rutherford, Tennessee 9 $ 3,565,000 $ 396,111 $ 116,000
Brevard, Florida 8 $ 2,450,000 $ 306,250 $ 186,000
Clay, Florida 8 $ 3,140,000 $ 392,500 $ 186,000
Osceola, Florida 8 $ 2,530,000 $ 316,250 $ 143,000
Meeker, Minnesota 8 $ 1,190,000 $ 148,750 $ 117,000
Nicollet, Minnesota 8 $ 2,600,000 $ 325,000 $ 120,000
Platte, Missouri 8 $ 2,380,000 $ 297,500 $ 119,000
Cheatham, Tennessee 8 $ 1,740,000 $ 217,500 $ 92,000
Lawrence, Tennessee 8 $ 1,420,000 $ 177,500 $ 46,000
Eau Claire, Wisconsin 8 $ 2,600,000 $ 325,000 $ 194,000
Green, Wisconsin 8 $ 2,890,000 $ 361,250 $ 120,000
El Paso, Colorado 7 $ 2,855,000 $ 407,857 $ 107,000
Weld, Colorado 7 $ 2,925,000 $ 417,857 $ 148,000
Hernando, Florida 7 $ 2,375,000 $ 339,285 $ 121,000
Marion, Florida 7 $ 2,205,000 $ 315,000 $ 106,000
Volusia, Florida 7 $ 2,995,000 $ 427,857 $ 182,000
Beltrami, Minnesota 7 $ 1,605,000 $ 229,285 $ 113,000
Benton, Minnesota 7 $ 2,015,000 $ 287,857 $ 95,000
Morrison, Minnesota 7 $ 1,595,000 $ 227,857 $ 199,000
Callaway, Missouri 7 $ 2,005,000 $ 286,428 $ 93,000
San Miguel, New Mexico 7 $ 2,035,000 $ 290,714 $ 116,000
Ransom, North Dakota 7 $ 1,375,000 $ 196,428 $ 75,000
Decatur, Tennessee 7 $ 1,585,000 $ 226,428 $ 80,000
Giles, Tennessee 7 $ 2,305,000 $ 329,285 $ 128,000
Barron, Wisconsin 7 $ 1,775,000 $ 253,571 $ 171,000
Dunn, Wisconsin 7 $ 1,515,000 $ 216,428 $ 92,000
Orange, California 6 $ 4,600,000 $ 766,666 $ 891,000
Riverside, California 6 $ 2,990,000 $ 498,333 $ 329,000
San Diego, California 6 $ 6,440,000 $ 1,073,333 $ 463,000
Wakulla, Florida 6 $ 1,280,000 $ 213,333 $ 117,000
Hubbard, Minnesota 6 $ 1,310,000 $ 218,333 $ 129,000
Lake, Minnesota 6 $ 1,880,000 $ 313,333 $ 136,000
Waseca, Minnesota 6 $ 900,000 $ 150,000 $ 129,000
Valencia, New Mexico 6 $ 2,120,000 $ 353,333 $ 118,000
Hickman, Tennessee 6 $ 2,540,000 $ 423,333 $ 131,000
Robertson, Tennessee 6 $ 1,920,000 $ 320,000 $ 115,000
Sumner, Tennessee 6 $ 1,930,000 $ 321,666 $ 138,000
Wilson, Tennessee 6 $ 2,930,000 $ 488,333 $ 154,000
Iowa, Wisconsin 6 $ 1,230,000 $ 205,000 $ 77,000
Marquette, Wisconsin 6 $ 1,270,000 $ 211,666 $ 183,000
Oneida, Wisconsin 6 $ 1,920,000 $ 320,000 $ 194,000
Washburn, Wisconsin 6 $ 2,070,000 $ 345,000 $ 261,000
Douglas, Colorado 5 $ 2,195,000 $ 439,000 $ 237,000
Nassau, Florida 5 $ 2,095,000 $ 419,000 $ 169,000
Jefferson, Kansas 5 $ 1,295,000 $ 259,000 $ 111,000
Oakland, Michigan 5 $ 1,985,000 $ 397,000 $ 149,000
Blue Earth, Minnesota 5 $ 1,085,000 $ 217,000 $ 76,000
Faribault, Minnesota 5 $ 585,000 $ 117,000 $ 83,000
Houston, Minnesota 5 $ 885,000 $ 177,000 $ 73,000
Kandiyohi, Minnesota 5 $ 1,815,000 $ 363,000 $ 275,000
Renville, Minnesota 5 $ 485,000 $ 97,000 $ 56,000
Todd, Minnesota 5 $ 1,155,000 $ 231,000 $ 146,000
Cooper, Missouri 5 $ 1,925,000 $ 385,000 $ 152,000
Los Alamos, New Mexico 5 $ 1,775,000 $ 355,000 $ 152,000
Quay, New Mexico 5 $ 345,000 $ 69,000 $ 51,000
Minnehaha, South Dakota 5 $ 1,795,000 $ 359,000 $ 168,000
Bedford, Tennessee 5 $ 1,145,000 $ 229,000 $ 108,000
Dickson, Tennessee 5 $ 2,105,000 $ 421,000 $ 139,000
Lewis, Tennessee 5 $ 1,975,000 $ 395,000 $ 154,000
McMinn, Tennessee 5 $ 1,345,000 $ 269,000 $ 108,000
La Crosse, Wisconsin 5 $ 1,115,000 $ 223,000 $ 100,000
Pepin, Wisconsin 5 $ 1,385,000 $ 277,000 $ 373,000
Vilas, Wisconsin 5 $ 2,145,000 $ 429,000 $ 251,000
Cochise, Arizona 4 $ 1,560,000 $ 390,000 $ 199,000
Boulder, Colorado 4 $ 3,390,000 $ 847,500 $ 211,000
Citrus, Florida 4 $ 1,540,000 $ 385,000 $ 120,000
Ada, Idaho 4 $ 1,830,000 $ 457,500 $ 190,000
DuPage, Illinois 4 $ 2,040,000 $ 510,000 $ 288,000
Will, Illinois 4 $ 1,300,000 $ 325,000 $ 238,000
Polk, Iowa 4 $ 1,020,000 $ 255,000 $ 131,000
Chippewa, Minnesota 4 $ 700,000 $ 175,000 $ 134,000
Freeborn, Minnesota 4 $ 500,000 $ 125,000 $ 53,000
Polk, Minnesota 4 $ 1,330,000 $ 332,500 $ 136,000
Wadena, Minnesota 4 $ 960,000 $ 240,000 $ 259,000
Douglas, Nebraska 4 $ 780,000 $ 195,000 $ 146,000
Grand Forks, North Dakota 4 $ 990,000 $ 247,500 $ 178,000
Sargent, North Dakota 4 $ 390,000 $ 97,500 $ 107,000
Blount, Tennessee 4 $ 1,540,000 $ 385,000 $ 136,000
Hamilton, Tennessee 4 $ 2,360,000 $ 590,000 $ 207,000
Washington, Tennessee 4 $ 680,000 $ 170,000 $ 106,000
Collin, Texas 4 $ 3,020,000 $ 755,000 $ 242,000
Denton, Texas 4 $ 3,190,000 $ 797,500 $ 265,000
Harris, Texas 4 $ 1,450,000 $ 362,500 $ 156,000
Brown, Wisconsin 4 $ 1,130,000 $ 282,500 $ 312,000
Buffalo, Wisconsin 4 $ 970,000 $ 242,500 $ 80,000
Grant, Wisconsin 4 $ 350,000 $ 87,500 $ 115,000
Manitowoc, Wisconsin 4 $ 730,000 $ 182,500 $ 66,000
Sawyer, Wisconsin 4 $ 2,680,000 $ 670,000 $ 414,000
Benton, Arkansas 3 $ 1,225,000 $ 408,333 $ 180,000
Solano, California 3 $ 1,365,000 $ 455,000 $ 193,000
Pueblo, Colorado 3 $ 1,135,000 $ 378,333 $ 112,000
Baker, Florida 3 $ 1,445,000 $ 481,666 $ 285,000
Bradford, Florida 3 $ 695,000 $ 231,666 $ 96,000
Broward, Florida 3 $ 1,255,000 $ 418,333 $ 146,000
Hardee, Florida 3 $ 845,000 $ 281,666 $ 74,000
Okeechobee, Florida 3 $ 415,000 $ 138,333 $ 65,000
Putnam, Florida 3 $ 745,000 $ 248,333 $ 156,000
Sumter, Florida 3 $ 675,000 $ 225,000 $ 203,000
Fulton, Georgia 3 $ 4,085,000 $ 1,361,666 $ 545,000
Henry, Georgia 3 $ 885,000 $ 295,000 $ 125,000
Madison, Illinois 3 $ 995,000 $ 331,666 $ 201,000
Winnebago, Illinois 3 $ 425,000 $ 141,666 $ 79,000
Osage, Kansas 3 $ 695,000 $ 231,666 $ 108,000
Jefferson, Kentucky 3 $ 865,000 $ 288,333 $ 145,000
Cottonwood, Minnesota 3 $ 175,000 $ 58,333 $ 91,000
Watonwan, Minnesota 3 $ 355,000 $ 118,333 $ 68,000
Camden, Missouri 3 $ 1,835,000 $ 611,666 $ 346,000
Johnson, Missouri 3 $ 815,000 $ 271,666 $ 96,000
Lincoln, Missouri 3 $ 835,000 $ 278,333 $ 85,000
Rio Arriba, New Mexico 3 $ 1,255,000 $ 418,333 $ 253,000
Mecklenburg, North Carolina 3 $ 1,735,000 $ 578,333 $ 273,000
Orange, North Carolina 3 $ 2,015,000 $ 671,666 $ 1,675,000
Brookings, South Dakota 3 $ 2,425,000 $ 808,333 $ 1,538,000
Jefferson, Tennessee 3 $ 1,175,000 $ 391,666 $ 165,000
Lincoln, Tennessee 3 $ 1,225,000 $ 408,333 $ 153,000
Marion, Tennessee 3 $ 1,595,000 $ 531,666 $ 151,000
Rhea, Tennessee 3 $ 955,000 $ 318,333 $ 149,000
Roane, Tennessee 3 $ 615,000 $ 205,000 $ 130,000
Sevier, Tennessee 3 $ 1,145,000 $ 381,666 $ 117,000
Warren, Tennessee 3 $ 1,425,000 $ 475,000 $ 165,000
Weber, Utah 3 $ 2,935,000 $ 978,333 $ 529,000
Bayfield, Wisconsin 3 $ 735,000 $ 245,000 $ 201,000
Chippewa, Wisconsin 3 $ 845,000 $ 281,666 $ 144,000
Juneau, Wisconsin 3 $ 745,000 $ 248,333 $ 265,000
Kenosha, Wisconsin 3 $ 745,000 $ 248,333 $ 117,000
Oconto, Wisconsin 3 $ 335,000 $ 111,666 $ 103,000
Outagamie, Wisconsin 3 $ 955,000 $ 318,333 $ 148,000
Rusk, Wisconsin 3 $ 285,000 $ 95,000 $ 109,000
Vernon, Wisconsin 3 $ 1,045,000 $ 348,333 $ 168,000
Winnebago, Wisconsin 3 $ 695,000 $ 231,666 $ 107,000
Lincoln, Wyoming 3 $ 3,755,000 $ 1,251,666 $ 825,000
Baldwin, Alabama 2 $ 1,020,000 $ 510,000 $ 285,000
Santa Cruz, Arizona 2 $ 370,000 $ 185,000 $ 467,000
Yuma, Arizona 2 $ 620,000 $ 310,000 $ 124,000
Cleburne, Arkansas 2 $ 820,000 $ 410,000 $ 299,000
Garland, Arkansas 2 $ 400,000 $ 200,000 $ 117,000
Washington, Arkansas 2 $ 460,000 $ 230,000 $ 85,000
Alameda, California 2 $ 1,460,000 $ 730,000 $ 189,000
Los Angeles, California 2 $ 2,100,000 $ 1,050,000 $ 399,000
Monterey, California 2 $ 980,000 $ 490,000 $ 155,000
Delta, Colorado 2 $ 490,000 $ 245,000 $ 50,000
Eagle, Colorado 2 $ 2,600,000 $ 1,300,000 $ 262,000
Jefferson, Colorado 2 $ 1,080,000 $ 540,000 $ 128,000
Park, Colorado 2 $ 630,000 $ 315,000 $ 182,000
Teller, Colorado 2 $ 1,310,000 $ 655,000 $ 198,000
District of Columbia, District Of Columbia 2 $ 1,470,000 $ 735,000 $ 277,000
Gadsden, Florida 2 $ 340,000 $ 170,000 $ 60,000
Hendry, Florida 2 $ 230,000 $ 115,000 $ 143,000
Miami-Dade, Florida 2 $ 900,000 $ 450,000 $ 154,000
Santa Rosa, Florida 2 $ 1,180,000 $ 590,000 $ 189,000
Taylor, Florida 2 $ 420,000 $ 210,000 $ 211,000
Chatham, Georgia 2 $ 580,000 $ 290,000 $ 92,000
Glynn, Georgia 2 $ 910,000 $ 455,000 $ 319,000
Walker, Georgia 2 $ 780,000 $ 390,000 $ 132,000
Boone, Illinois 2 $ 330,000 $ 165,000 $ 50,000
Monroe, Illinois 2 $ 790,000 $ 395,000 $ 237,000
Lake, Indiana 2 $ 1,870,000 $ 935,000 $ 559,000
Osceola, Iowa 2 $ 230,000 $ 115,000 $ 29,000
Winnebago, Iowa 2 $ 310,000 $ 155,000 $ 92,000
Coffey, Kansas 2 $ 320,000 $ 160,000 $ 105,000
Crawford, Kansas 2 $ 420,000 $ 210,000 $ 165,000
Geary, Kansas 2 $ 230,000 $ 115,000 $ 69,000
Linn, Kansas 2 $ 430,000 $ 215,000 $ 112,000
Pratt, Kansas 2 $ 430,000 $ 215,000 $ 114,000
Reno, Kansas 2 $ 460,000 $ 230,000 $ 88,000
Sheridan, Kansas 2 $ 150,000 $ 75,000 $ 48,000
Grand Traverse, Michigan 2 $ 660,000 $ 330,000 $ 755,000
Big Stone, Minnesota 2 $ 200,000 $ 100,000 $ 87,000
Brown, Minnesota 2 $ 330,000 $ 165,000 $ 359,000
Mahnomen, Minnesota 2 $ 140,000 $ 70,000 $ 84,000
Redwood, Minnesota 2 $ 530,000 $ 265,000 $ 120,000
Roseau, Minnesota 2 $ 280,000 $ 140,000 $ 141,000
Swift, Minnesota 2 $ 280,000 $ 140,000 $ 122,000
Franklin, Missouri 2 $ 510,000 $ 255,000 $ 158,000
Gasconade, Missouri 2 $ 440,000 $ 220,000 $ 280,000
Howard, Missouri 2 $ 530,000 $ 265,000 $ 78,000
Pulaski, Missouri 2 $ 540,000 $ 270,000 $ 105,000
Saline, Missouri 2 $ 630,000 $ 315,000 $ 177,000
Stone, Missouri 2 $ 710,000 $ 355,000 $ 383,000
Yellowstone, Montana 2 $ 12,160,000 $ 6,080,000 $ 79,000
Lancaster, Nebraska 2 $ 810,000 $ 405,000 $ 231,000
Socorro, New Mexico 2 $ 220,000 $ 110,000 $ 49,000
Torrance, New Mexico 2 $ 580,000 $ 290,000 $ 59,000
Gaston, North Carolina 2 $ 470,000 $ 235,000 $ 118,000
Wake, North Carolina 2 $ 1,020,000 $ 510,000 $ 218,000
Barnes, North Dakota 2 $ 220,000 $ 110,000 $ 109,000
Oklahoma, Oklahoma 2 $ 440,000 $ 220,000 $ 157,000
Beaufort, South Carolina 2 $ 810,000 $ 405,000 $ 101,000
Charleston, South Carolina 2 $ 1,420,000 $ 710,000 $ 574,000
Florence, South Carolina 2 $ 610,000 $ 305,000 $ 114,000
Cannon, Tennessee 2 $ 530,000 $ 265,000 $ 95,000
Claiborne, Tennessee 2 $ 170,000 $ 85,000 $ 45,000
Hawkins, Tennessee 2 $ 1,040,000 $ 520,000 $ 187,000
Knox, Tennessee 2 $ 430,000 $ 215,000 $ 95,000
Loudon, Tennessee 2 $ 610,000 $ 305,000 $ 89,000
Madison, Tennessee 2 $ 600,000 $ 300,000 $ 161,000
Perry, Tennessee 2 $ 660,000 $ 330,000 $ 112,000
Stewart, Tennessee 2 $ 760,000 $ 380,000 $ 139,000
White, Tennessee 2 $ 520,000 $ 260,000 $ 76,000
Dallas, Texas 2 $ 990,000 $ 495,000 $ 291,000
Hays, Texas 2 $ 910,000 $ 455,000 $ 120,000
Hunt, Texas 2 $ 410,000 $ 205,000 $ 77,000
Jim Wells, Texas 2 $ 820,000 $ 410,000 $ 0
Lubbock, Texas 2 $ 540,000 $ 270,000 $ 112,000
Montgomery, Texas 2 $ 560,000 $ 280,000 $ 119,000
Parker, Texas 2 $ 990,000 $ 495,000 $ 177,000
Henrico, Virginia 2 $ 940,000 $ 470,000 $ 193,000
Montgomery, Virginia 2 $ 600,000 $ 300,000 $ 210,000
Norfolk, Virginia 2 $ 240,000 $ 120,000 $ 127,000
Clark, Washington 2 $ 1,560,000 $ 780,000 $ 223,000
Snohomish, Washington 2 $ 1,530,000 $ 765,000 $ 308,000
Spokane, Washington 2 $ 660,000 $ 330,000 $ 213,000
Calumet, Wisconsin 2 $ 920,000 $ 460,000 $ 283,000
Door, Wisconsin 2 $ 510,000 $ 255,000 $ 281,000
Kewaunee, Wisconsin 2 $ 550,000 $ 275,000 $ 237,000
Marathon, Wisconsin 2 $ 360,000 $ 180,000 $ 83,000
Price, Wisconsin 2 $ 660,000 $ 330,000 $ 79,000
Waupaca, Wisconsin 2 $ 620,000 $ 310,000 $ 122,000
Etowah, Alabama 1 $ 205,000 $ 205,000 $ 80,000
Jackson, Alabama 1 $ 455,000 $ 455,000 $ 114,000
Lee, Alabama 1 $ 275,000 $ 275,000 $ 88,000
Limestone, Alabama 1 $ 15,000 $ 15,000 $ 140,000
Madison, Alabama 1 $ 185,000 $ 185,000 $ 63,000
Apache, Arizona 1 $ 145,000 $ 145,000 $ 67,000
Graham, Arizona 1 $ 175,000 $ 175,000 $ 209,000
Mohave, Arizona 1 $ 275,000 $ 275,000 $ 188,000
Crawford, Arkansas 1 $ 175,000 $ 175,000 $ 88,000
Pulaski, Arkansas 1 $ 395,000 $ 395,000 $ 107,000
Contra Costa, California 1 $ 355,000 $ 355,000 $ 261,000
El Dorado, California 1 $ 915,000 $ 915,000 $ 337,000
Placer, California 1 $ 1,005,000 $ 1,005,000 $ 335,000
San Joaquin, California 1 $ 785,000 $ 785,000 $ 222,000
San Luis Obispo, California 1 $ 675,000 $ 675,000 $ 115,000
Arapahoe, Colorado 1 $ 505,000 $ 505,000 $ 146,000
Archuleta, Colorado 1 $ 765,000 $ 765,000 $ 308,000
Broomfield, Colorado 1 $ 445,000 $ 445,000 $ 165,000
Mesa, Colorado 1 $ 725,000 $ 725,000 $ 534,000
Summit, Colorado 1 $ 1,275,000 $ 1,275,000 $ 476,000
Alachua, Florida 1 $ 735,000 $ 735,000 $ 223,000
Bay, Florida 1 $ 205,000 $ 205,000 $ 134,000
Columbia, Florida 1 $ 235,000 $ 235,000 $ 138,000
DeSoto, Florida 1 $ 185,000 $ 185,000 $ 87,000
Flagler, Florida 1 $ 525,000 $ 525,000 $ 219,000
Franklin, Florida 1 $ 195,000 $ 195,000 $ 92,000
Gulf, Florida 1 $ 195,000 $ 195,000 $ 92,000
Holmes, Florida 1 $ 285,000 $ 285,000 $ 75,000
Indian River, Florida 1 $ 155,000 $ 155,000 $ 52,000
Monroe, Florida 1 $ 765,000 $ 765,000 $ 313,000
Okaloosa, Florida 1 $ 595,000 $ 595,000 $ 229,000
St. Lucie, Florida 1 $ 335,000 $ 335,000 $ 184,000
Walton, Florida 1 $ 525,000 $ 525,000 $ 119,000
Catoosa, Georgia 1 $ 295,000 $ 295,000 $ 100,000
Cherokee, Georgia 1 $ 285,000 $ 285,000 $ 66,000
Clarke, Georgia 1 $ 255,000 $ 255,000 $ 57,000
DeKalb, Georgia 1 $ 1,085,000 $ 1,085,000 $ 965,000
Fayette, Georgia 1 $ 215,000 $ 215,000 $ 196,000
Gwinnett, Georgia 1 $ 395,000 $ 395,000 $ 67,000
Habersham, Georgia 1 $ 105,000 $ 105,000 $ 50,000
Liberty, Georgia 1 $ 215,000 $ 215,000 $ 124,000
Montgomery, Georgia 1 $ 205,000 $ 205,000 $ 93,000
Canyon, Idaho 1 $ 49,145,000 $ 49,145,000 $ 0
Kootenai, Idaho 1 $ 365,000 $ 365,000 $ 200,000
Adams, Illinois 1 $ 65,000 $ 65,000 $ 234,000
Kane, Illinois 1 $ 235,000 $ 235,000 $ 88,000
Lake, Illinois 1 $ 345,000 $ 345,000 $ 374,000
LaSalle, Illinois 1 $ 325,000 $ 325,000 $ 98,000
Macoupin, Illinois 1 $ 85,000 $ 85,000 $ 71,000
McHenry, Illinois 1 $ 465,000 $ 465,000 $ 156,000
Peoria, Illinois 1 $ 45,000 $ 45,000 $ 20,000
Whiteside, Illinois 1 $ 115,000 $ 115,000 $ 142,000
Hamilton, Indiana 1 $ 305,000 $ 305,000 $ 81,000
LaPorte, Indiana 1 $ 255,000 $ 255,000 $ 47,000
Monroe, Indiana 1 $ 195,000 $ 195,000 $ 74,000
Buena Vista, Iowa 1 $ 155,000 $ 155,000 $ 134,000
Carroll, Iowa 1 $ 185,000 $ 185,000 $ 208,000
Cerro Gordo, Iowa 1 $ 465,000 $ 465,000 $ 350,000
Clinton, Iowa 1 $ 435,000 $ 435,000 $ 79,000
Dallas, Iowa 1 $ 155,000 $ 155,000 $ 63,000
Dubuque, Iowa 1 $ 315,000 $ 315,000 $ 147,000
Emmet, Iowa 1 $ 105,000 $ 105,000 $ 51,000
Fayette, Iowa 1 $ 115,000 $ 115,000 $ 145,000
Humboldt, Iowa 1 $ 105,000 $ 105,000 $ 41,000
Webster, Iowa 1 $ 65,000 $ 65,000 $ 110,000
Winneshiek, Iowa 1 $ 115,000 $ 115,000 $ 53,000
Anderson, Kansas 1 $ 125,000 $ 125,000 $ 28,000
Bourbon, Kansas 1 $ 135,000 $ 135,000 $ 47,000
Butler, Kansas 1 $ 205,000 $ 205,000 $ 94,000
Clay, Kansas 1 $ 115,000 $ 115,000 $ 45,000
Cowley, Kansas 1 $ 205,000 $ 205,000 $ 95,000
Franklin, Kansas 1 $ 315,000 $ 315,000 $ 124,000
Lincoln, Kansas 1 $ 185,000 $ 185,000 $ 109,000
Nemaha, Kansas 1 $ 155,000 $ 155,000 $ 87,000
Ottawa, Kansas 1 $ 85,000 $ 85,000 $ 105,000
Pottawatomie, Kansas 1 $ 275,000 $ 275,000 $ 171,000
Riley, Kansas 1 $ 125,000 $ 125,000 $ 37,000
Saline, Kansas 1 $ 125,000 $ 125,000 $ 65,000
Christian, Kentucky 1 $ 175,000 $ 175,000 $ 47,000
Fayette, Kentucky 1 $ 265,000 $ 265,000 $ 99,000
Madison, Kentucky 1 $ 385,000 $ 385,000 $ 157,000
Berrien, Michigan 1 $ 325,000 $ 325,000 $ 66,000
Dickinson, Michigan 1 $ 575,000 $ 575,000 $ 380,000
Genesee, Michigan 1 $ 155,000 $ 155,000 $ 69,000
Houghton, Michigan 1 $ 305,000 $ 305,000 $ 186,000
Kalkaska, Michigan 1 $ 215,000 $ 215,000 $ 85,000
Macomb, Michigan 1 $ 505,000 $ 505,000 $ 228,000
Wayne, Michigan 1 $ 235,000 $ 235,000 $ 0
Lincoln, Minnesota 1 $ 555,000 $ 555,000 $ 446,000
Lyon, Minnesota 1 $ 55,000 $ 55,000 $ 190,000
Marshall, Minnesota 1 $ 605,000 $ 605,000 $ 443,000
Martin, Minnesota 1 $ 35,000 $ 35,000 $ 74,000
Traverse, Minnesota 1 $ 65,000 $ 65,000 $ 45,000
Forrest, Mississippi 1 $ 225,000 $ 225,000 $ 0
Harrison, Mississippi 1 $ 315,000 $ 315,000 $ 81,000
Jackson, Mississippi 1 $ 315,000 $ 315,000 $ 78,000
Jasper, Mississippi 1 $ 335,000 $ 335,000 $ 192,000
Audrain, Missouri 1 $ 195,000 $ 195,000 $ 115,000
Barry, Missouri 1 $ 355,000 $ 355,000 $ 219,000
Bates, Missouri 1 $ 305,000 $ 305,000 $ 94,000
Christian, Missouri 1 $ 135,000 $ 135,000 $ 74,000
Clinton, Missouri 1 $ 365,000 $ 365,000 $ 248,000
Dent, Missouri 1 $ 165,000 $ 165,000 $ 73,000
Greene, Missouri 1 $ 155,000 $ 155,000 $ 37,000
Lafayette, Missouri 1 $ 155,000 $ 155,000 $ 76,000
Linn, Missouri 1 $ 575,000 $ 575,000 $ 187,000
Macon, Missouri 1 $ 35,000 $ 35,000 $ 30,000
Moniteau, Missouri 1 $ 225,000 $ 225,000 $ 71,000
Montgomery, Missouri 1 $ 225,000 $ 225,000 $ 115,000
Pettis, Missouri 1 $ 305,000 $ 305,000 $ 90,000
Randolph, Missouri 1 $ 235,000 $ 235,000 $ 88,000
Ray, Missouri 1 $ 645,000 $ 645,000 $ 275,000
Reynolds, Missouri 1 $ 135,000 $ 135,000 $ 148,000
St. Clair, Missouri 1 $ 305,000 $ 305,000 $ 148,000
Taney, Missouri 1 $ 125,000 $ 125,000 $ 73,000
Texas, Missouri 1 $ 435,000 $ 435,000 $ 180,000
Wayne, Missouri 1 $ 185,000 $ 185,000 $ 148,000
Wright, Missouri 1 $ 145,000 $ 145,000 $ 42,000
Cascade, Montana 1 $ 405,000 $ 405,000 $ 150,000
Flathead, Montana 1 $ 355,000 $ 355,000 $ 130,000
Gallatin, Montana 1 $ 705,000 $ 705,000 $ 134,000
Madison, Montana 1 $ 2,005,000 $ 2,005,000 $ 1,271,000
Petroleum, Montana 1 $ 445,000 $ 445,000 $ 188,000
Keith, Nebraska 1 $ 305,000 $ 305,000 $ 180,000
Saunders, Nebraska 1 $ 615,000 $ 615,000 $ 654,000
Burlington, New Jersey 1 $ 335,000 $ 335,000 $ 305,000
Chaves, New Mexico 1 $ 135,000 $ 135,000 $ 67,000
Dona Ana, New Mexico 1 $ 355,000 $ 355,000 $ 162,000
Grant, New Mexico 1 $ 415,000 $ 415,000 $ 114,000
Lea, New Mexico 1 $ 145,000 $ 145,000 $ 103,000
Lincoln, New Mexico 1 $ 115,000 $ 115,000 $ 117,000
McKinley, New Mexico 1 $ 255,000 $ 255,000 $ 125,000
Alexander, North Carolina 1 $ 235,000 $ 235,000 $ 163,000
Ashe, North Carolina 1 $ 455,000 $ 455,000 $ 188,000
Buncombe, North Carolina 1 $ 375,000 $ 375,000 $ 215,000
Carteret, North Carolina 1 $ 1,375,000 $ 1,375,000 $ 630,000
Davie, North Carolina 1 $ 165,000 $ 165,000 $ 55,000
Haywood, North Carolina 1 $ 235,000 $ 235,000 $ 49,000
Iredell, North Carolina 1 $ 325,000 $ 325,000 $ 75,000
Moore, North Carolina 1 $ 285,000 $ 285,000 $ 75,000
Pitt, North Carolina 1 $ 195,000 $ 195,000 $ 48,000
Transylvania, North Carolina 1 $ 135,000 $ 135,000 $ 53,000
Union, North Carolina 1 $ 385,000 $ 385,000 $ 270,000
LaMoure, North Dakota 1 $ 105,000 $ 105,000 $ 196,000
Logan, North Dakota 1 $ 65,000 $ 65,000 $ 103,000
McHenry, North Dakota 1 $ 305,000 $ 305,000 $ 131,000
McIntosh, North Dakota 1 $ 265,000 $ 265,000 $ 65,000
Stutsman, North Dakota 1 $ 365,000 $ 365,000 $ 134,000
Walsh, North Dakota 1 $ 235,000 $ 235,000 $ 116,000
Ward, North Dakota 1 $ 285,000 $ 285,000 $ 98,000
Williams, North Dakota 1 $ 265,000 $ 265,000 $ 118,000
Creek, Oklahoma 1 $ 275,000 $ 275,000 $ 338,000
Tulsa, Oklahoma 1 $ 185,000 $ 185,000 $ 370,000
Deschutes, Oregon 1 $ 26,255,000 $ 26,255,000 $ 0
Polk, Oregon 1 $ 485,000 $ 485,000 $ 120,000
Washington, Oregon 1 $ 605,000 $ 605,000 $ 238,000
Greenville, South Carolina 1 $ 285,000 $ 285,000 $ 149,000
Horry, South Carolina 1 $ 185,000 $ 185,000 $ 81,000
Kershaw, South Carolina 1 $ 675,000 $ 675,000 $ 187,000
Lancaster, South Carolina 1 $ 495,000 $ 495,000 $ 177,000
Lexington, South Carolina 1 $ 375,000 $ 375,000 $ 160,000
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Mortgage Loan Application Detail Totals for Bell Bank in 2024

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 10,070 $3,403,430,000 $337,000 $49,145,000 $151,000 $6,935,000
Home Improvement 1,082 $129,390,000 $119,000 $11,875,000 $166,000 $1,653,000
Other Purpose 993 $157,865,000 $158,000 $2,145,000 $189,000 $6,000,000
Refinancing 980 $319,580,000 $326,000 $4,105,000 $195,000 $2,424,000
Cash-out Refinancing 370 $112,240,000 $303,000 $1,155,000 $149,000 $1,200,000
Not Applicable 1 $85,000 $85,000 $85,000 $21,000 $21,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 9,639 $2,926,005,000 $303,000 $3,305,000 $164,000 $6,935,000
Not Provided 1,293 $414,855,000 $320,000 $3,005,000 $169,000 $2,212,000
Hispanic 1,042 $264,360,000 $253,000 $1,365,000 $118,000 $1,907,000
Asian 647 $208,825,000 $322,000 $2,745,000 $162,000 $1,884,000
Black or African American 592 $132,030,000 $223,000 $2,455,000 $104,000 $1,355,000
Not applicable 196 $154,400,000 $787,000 $49,145,000 $0 $0
American Indian or Alaskan Native 80 $20,390,000 $254,000 $855,000 $117,000 $413,000
Native Hawaiian or Other Pacific Islander 7 $1,725,000 $246,000 $735,000 $165,000 $550,000

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) 12,115 $3,670,305,000 $302,000 $49,145,000 $164,000 $6,935,000
FHA-insured (Federal Housing Administration) 847 $250,135,000 $295,000 $535,000 $97,000 $353,000
VA-guaranteed (Veterans Administration) 495 $193,185,000 $390,000 $1,515,000 $131,000 $506,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 39 $8,965,000 $229,000 $375,000 $83,000 $125,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 10,872 $3,264,180,000 $300,000 $49,145,000 $157,000 $6,935,000
Application Withdrawn By Applicant 1,720 $656,770,000 $381,000 $26,255,000 $181,000 $5,750,000
Application Denied By Financial Institution 781 $169,345,000 $216,000 $3,005,000 $123,000 $6,000,000
Application Approved But Not Accepted 83 $19,345,000 $233,000 $835,000 $130,000 $336,000
Loan Purchased By The Institution 26 $9,440,000 $363,000 $1,605,000 $0 $0
Preapproval Approved but not Accepted 9 $1,635,000 $181,000 $425,000 $102,000 $112,000
File Closed For Incompleteness 3 $1,825,000 $608,000 $1,525,000 $269,000 $596,000
Preapproval Denied by Financial Institution 2 $50,000 $25,000 $25,000 $35,000 $64,000

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 12,713 $3,953,195,000 $310,000 $49,145,000 $160,000 $6,935,000
Debt-To-Income Ratio 311 $69,365,000 $223,000 $2,565,000 $96,000 $646,000
Collateral 182 $36,500,000 $200,000 $1,205,000 $138,000 $933,000
Credit History 171 $29,945,000 $175,000 $1,105,000 $146,000 $6,000,000
Other 50 $14,190,000 $283,000 $3,005,000 $163,000 $1,800,000
Credit Application Incomplete 37 $12,775,000 $345,000 $1,555,000 $146,000 $394,000
Employment History 15 $2,295,000 $153,000 $385,000 $62,000 $213,000
Insufficient Cash (Downpayment, Closing Cost) 9 $3,265,000 $362,000 $865,000 $110,000 $206,000
Unverifiable Information 8 $1,060,000 $132,000 $645,000 $111,000 $192,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bell Bank's 2024 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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