Bell Bank Mortgage Lending & HMDA Data, 2019
In 2019, Bell Bank of Fargo, ND reported 14,815 mortgage applications totaling $3.9 billion, up 32% from 2018. The average application was for $263,261, and applicants reported an average income of $123,178. 88% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (8,993), Phoenix-Mesa-Scottsdale, AZ (1,576) and Fargo, ND-MN (1,343) (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 | 14,815 |
| Total Mortgage Loan Application Amount | $3,900,215,000 |
| Average Mortgage Loan Application Amount | $263,261 |
| Highest Mortgage Loan Application Amount | $17,405,000 |
| Average Applicant Income | $123,178 |
| Highest Applicant Income | $3,330,000 |
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Disclosure Act (HMDA) records Bell Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Minneapolis-St. Paul-Bloomington, MN-WI | 8,993 | $ 2,466,665,000 | $ 274,287 | $ 124,568 |
| Outside any metro area | 1,602 | $ 321,540,000 | $ 200,711 | $ 116,274 |
| Phoenix-Mesa-Scottsdale, AZ | 1,576 | $ 435,970,000 | $ 276,630 | $ 118,000 |
| Fargo, ND-MN | 1,343 | $ 318,445,000 | $ 237,114 | $ 122,426 |
| Milwaukee-Waukesha-West Allis, WI | 437 | $ 102,965,000 | $ 235,617 | $ 107,000 |
| Rochester, MN | 196 | $ 36,400,000 | $ 185,714 | $ 78,000 |
| Albuquerque, NM | 132 | $ 36,520,000 | $ 276,666 | $ 138,000 |
| Santa Fe, NM | 91 | $ 35,365,000 | $ 388,626 | $ 191,000 |
| St. Cloud, MN | 82 | $ 15,670,000 | $ 191,097 | $ 92,000 |
| Duluth, MN-WI | 52 | $ 10,060,000 | $ 193,461 | $ 192,192 |
| Mankato-North Mankato, MN | 18 | $ 3,480,000 | $ 193,333 | $ 86,000 |
| Tucson, AZ | 17 | $ 3,635,000 | $ 213,823 | $ 113,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 16 | $ 5,110,000 | $ 319,375 | $ 98,000 |
| Cape Coral-Fort Myers, FL | 15 | $ 9,185,000 | $ 612,333 | $ 382,000 |
| Eau Claire, WI | 15 | $ 7,685,000 | $ 512,333 | $ 69,000 |
| Denver-Aurora-Lakewood, CO | 14 | $ 4,720,000 | $ 337,142 | $ 135,000 |
| Racine, WI | 14 | $ 2,710,000 | $ 193,571 | $ 98,000 |
| Orlando-Kissimmee-Sanford, FL | 13 | $ 3,975,000 | $ 305,769 | $ 148,000 |
| Fond Du Lac, WI | 10 | $ 2,180,000 | $ 218,000 | $ 86,000 |
| Flagstaff, AZ | 9 | $ 3,535,000 | $ 392,777 | $ 211,000 |
| Madison, WI | 9 | $ 1,835,000 | $ 203,888 | $ 87,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 2,850,000 | $ 356,250 | $ 173,000 |
| Chicago-Naperville, IL | 7 | $ 2,155,000 | $ 307,857 | $ 116,000 |
| Des Moines-West Des Moines, IA | 7 | $ 2,265,000 | $ 323,571 | $ 173,000 |
| Naples-Immokalee-Marco Island, FL | 7 | $ 2,425,000 | $ 346,428 | $ 137,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 4,635,000 | $ 662,142 | $ 376,000 |
| Grand Forks, ND-MN | 6 | $ 2,030,000 | $ 338,333 | $ 330,000 |
| Kansas City, MO-KS | 6 | $ 1,470,000 | $ 245,000 | $ 98,666 |
| Memphis, TN-MS-AR | 6 | $ 1,580,000 | $ 263,333 | $ 226,000 |
| Wausau, WI | 6 | $ 8,500,000 | $ 1,416,666 | $ 130,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 1,115,000 | $ 223,000 | $ 124,800 |
| Lake Havasu City-Kingman, AZ | 5 | $ 705,000 | $ 141,000 | $ 42,000 |
| Prescott Valley-Prescott, AZ | 5 | $ 1,405,000 | $ 281,000 | $ 99,000 |
| Santa Maria-Santa Barbara, CA | 5 | $ 4,655,000 | $ 931,000 | $ 229,000 |
| Bismarck, ND | 4 | $ 4,580,000 | $ 1,145,000 | $ 82,000 |
| Sheboygan, WI | 4 | $ 680,000 | $ 170,000 | $ 85,000 |
| Green Bay, WI | 3 | $ 455,000 | $ 151,666 | $ 413,000 |
| La Crosse-Onalaska, WI-MN | 3 | $ 945,000 | $ 315,000 | $ 121,333 |
| Punta Gorda, FL | 3 | $ 335,000 | $ 111,666 | $ 63,000 |
| The Villages, FL | 3 | $ 575,000 | $ 191,666 | $ 105,000 |
| Ann Arbor, MI | 2 | $ 570,000 | $ 285,000 | $ 334,000 |
| Appleton, WI | 2 | $ 380,000 | $ 190,000 | $ 75,000 |
| Chico, CA | 2 | $ 300,000 | $ 150,000 | $ 140,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 470,000 | $ 235,000 | $ 96,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 850,000 | $ 425,000 | $ 217,000 |
| Jacksonville, FL | 2 | $ 600,000 | $ 300,000 | $ 124,000 |
| Janesville-Beloit, WI | 2 | $ 550,000 | $ 275,000 | $ 163,000 |
| Lakeland-Winter Haven, FL | 2 | $ 250,000 | $ 125,000 | $ 62,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 940,000 | $ 470,000 | $ 173,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 790,000 | $ 395,000 | $ 76,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 5,080,000 | $ 2,540,000 | $ 0 |
| Oshkosh-Neenah, WI | 2 | $ 500,000 | $ 250,000 | $ 75,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 650,000 | $ 325,000 | $ 303,000 |
| Rockford, IL | 2 | $ 400,000 | $ 200,000 | $ 183,000 |
| San Diego-Carlsbad, CA | 2 | $ 820,000 | $ 410,000 | $ 93,000 |
| St. Louis, MO-IL | 2 | $ 370,000 | $ 185,000 | $ 86,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 550,000 | $ 275,000 | $ 141,000 |
| Yuma, AZ | 2 | $ 490,000 | $ 245,000 | $ 95,000 |
| Ames, IA | 1 | $ 255,000 | $ 255,000 | $ 350,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 435,000 | $ 435,000 | $ 86,000 |
| Billings, MT | 1 | $ 4,905,000 | $ 4,905,000 | $ 0 |
| Boise City, ID | 1 | $ 415,000 | $ 415,000 | $ 108,000 |
| Colorado Springs, CO | 1 | $ 475,000 | $ 475,000 | $ 122,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Dallas-Plano-Irving, TX | 1 | $ 105,000 | $ 105,000 | $ 241,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 205,000 | $ 205,000 | $ 51,000 |
| Fresno, CA | 1 | $ 465,000 | $ 465,000 | $ 112,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 485,000 | $ 485,000 | $ 293,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 995,000 | $ 995,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 1,605,000 | $ 1,605,000 | $ 1,200,000 |
| Lawrence, KS | 1 | $ 335,000 | $ 335,000 | $ 80,000 |
| Monroe, MI | 1 | $ 255,000 | $ 255,000 | $ 119,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 945,000 | $ 945,000 | $ 2,225,000 |
| Peoria, IL | 1 | $ 95,000 | $ 95,000 | $ 35,000 |
| Raleigh, NC | 1 | $ 205,000 | $ 205,000 | $ 122,000 |
| Rapid City, SD | 1 | $ 235,000 | $ 235,000 | $ 105,000 |
| Redding, CA | 1 | $ 255,000 | $ 255,000 | $ 78,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 255,000 | $ 255,000 | $ 83,000 |
| San Rafael, CA | 1 | $ 835,000 | $ 835,000 | $ 358,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 85,000 | $ 85,000 | $ 90,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 165,000 | $ 165,000 | $ 79,000 |
| Wichita, KS | 1 | $ 155,000 | $ 155,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for Bell Bank in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 9,508 | $2,652,730,000 | $278,000 | $17,405,000 | $113,000 | $2,193,000 |
| Refinancing | 2,550 | $797,430,000 | $312,000 | $11,445,000 | $154,000 | $3,330,000 |
| Cash-out Refinancing | 1,220 | $302,090,000 | $247,000 | $1,505,000 | $113,000 | $546,000 |
| Home Improvement | 869 | $64,345,000 | $74,000 | $1,905,000 | $137,000 | $1,483,000 |
| Other Purpose | 668 | $83,620,000 | $125,000 | $3,505,000 | $151,000 | $2,437,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 12,032 | $2,939,310,000 | $244,000 | $3,205,000 | $124,000 | $3,330,000 |
| Not Provided | 930 | $262,400,000 | $282,000 | $2,625,000 | $138,000 | $1,800,000 |
| Hispanic | 583 | $126,825,000 | $217,000 | $995,000 | $90,000 | $1,650,000 |
| Asian | 477 | $124,955,000 | $261,000 | $3,455,000 | $117,000 | $1,661,000 |
| Black or African American | 358 | $82,220,000 | $229,000 | $765,000 | $92,000 | $795,000 |
| Not applicable | 289 | $329,365,000 | $1,139,000 | $17,405,000 | $0 | $0 |
| American Indian or Alaskan Native | 82 | $17,410,000 | $212,000 | $605,000 | $97,000 | $690,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $3,385,000 | $260,000 | $485,000 | $115,000 | $352,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 13,007 | $3,461,555,000 | $266,000 | $17,405,000 | $129,000 | $3,330,000 |
| FHA-insured (Federal Housing Administration) | 1,081 | $245,865,000 | $227,000 | $495,000 | $74,000 | $315,000 |
| VA-guaranteed (Veterans Administration) | 579 | $165,295,000 | $285,000 | $755,000 | $92,000 | $310,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 148 | $27,500,000 | $185,000 | $365,000 | $60,000 | $130,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 12,971 | $3,401,235,000 | $262,000 | $17,405,000 | $124,000 | $3,330,000 |
| Application Withdrawn By Applicant | 1,418 | $404,450,000 | $285,000 | $6,005,000 | $121,000 | $2,437,000 |
| Application Denied By Financial Institution | 323 | $59,975,000 | $185,000 | $1,925,000 | $93,000 | $1,839,000 |
| Application Approved But Not Accepted | 95 | $27,835,000 | $293,000 | $8,025,000 | $129,000 | $800,000 |
| Loan Purchased By The Institution | 7 | $6,475,000 | $925,000 | $2,685,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $245,000 | $245,000 | $245,000 | $111,000 | $111,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 14,492 | $3,840,240,000 | $264,000 | $17,405,000 | $123,000 | $3,330,000 |
| Debt-To-Income Ratio | 103 | $15,715,000 | $152,000 | $785,000 | $65,000 | $265,000 |
| Credit History | 84 | $13,630,000 | $162,000 | $1,385,000 | $85,000 | $290,000 |
| Collateral | 51 | $10,055,000 | $197,000 | $605,000 | $122,000 | $450,000 |
| Credit Application Incomplete | 37 | $9,025,000 | $243,000 | $635,000 | $107,000 | $498,000 |
| Other | 27 | $7,115,000 | $263,000 | $1,925,000 | $168,000 | $1,839,000 |
| Unverifiable Information | 10 | $1,750,000 | $175,000 | $485,000 | $79,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $2,190,000 | $273,000 | $485,000 | $71,000 | $108,000 |
| Employment History | 3 | $495,000 | $165,000 | $235,000 | $21,000 | $45,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bell Bank's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bell Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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