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Disclosure Act (HMDA) records Bell Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 7,601 | $ 2,474,795,000 | $ 325,588 | $ 149,250 |
| Phoenix-Mesa-Scottsdale, AZ | 2,373 | $ 959,575,000 | $ 404,372 | $ 185,000 |
| Outside any metro area | 1,900 | $ 465,000,000 | $ 244,736 | $ 132,050 |
| Fargo, ND-MN | 1,083 | $ 254,455,000 | $ 234,953 | $ 137,908 |
| Kansas City, MO-KS | 563 | $ 193,385,000 | $ 343,490 | $ 138,376 |
| Milwaukee-Waukesha-West Allis, WI | 334 | $ 90,000,000 | $ 269,461 | $ 113,000 |
| Rochester, MN | 328 | $ 86,980,000 | $ 265,182 | $ 114,000 |
| Duluth, MN-WI | 196 | $ 60,310,000 | $ 307,704 | $ 192,142 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 166 | $ 73,950,000 | $ 445,481 | $ 146,000 |
| Orlando-Kissimmee-Sanford, FL | 140 | $ 74,810,000 | $ 534,357 | $ 201,000 |
| Albuquerque, NM | 129 | $ 48,225,000 | $ 373,837 | $ 169,000 |
| St. Louis, MO-IL | 128 | $ 33,710,000 | $ 263,359 | $ 108,640 |
| Tampa-St. Petersburg-Clearwater, FL | 94 | $ 36,470,000 | $ 387,978 | $ 128,000 |
| St. Cloud, MN | 81 | $ 19,875,000 | $ 245,370 | $ 98,000 |
| Sebring, FL | 74 | $ 16,510,000 | $ 223,108 | $ 78,000 |
| Santa Fe, NM | 72 | $ 37,070,000 | $ 514,861 | $ 191,000 |
| Columbia, MO | 53 | $ 19,015,000 | $ 358,773 | $ 126,000 |
| North Port-Sarasota-Bradenton, FL | 51 | $ 27,925,000 | $ 547,549 | $ 219,000 |
| Cape Coral-Fort Myers, FL | 49 | $ 18,435,000 | $ 376,224 | $ 215,000 |
| Tallahassee, FL | 38 | $ 7,920,000 | $ 208,421 | $ 123,000 |
| Flagstaff, AZ | 30 | $ 14,520,000 | $ 484,000 | $ 326,000 |
| Madison, WI | 28 | $ 10,930,000 | $ 390,357 | $ 210,000 |
| Tucson, AZ | 25 | $ 35,025,000 | $ 1,401,000 | $ 286,000 |
| Prescott Valley-Prescott, AZ | 24 | $ 8,940,000 | $ 372,500 | $ 128,000 |
| Denver-Aurora-Lakewood, CO | 22 | $ 13,030,000 | $ 592,272 | $ 251,000 |
| Fond Du Lac, WI | 22 | $ 4,610,000 | $ 209,545 | $ 96,000 |
| Naples-Immokalee-Marco Island, FL | 22 | $ 12,070,000 | $ 548,636 | $ 299,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 18 | $ 5,870,000 | $ 326,111 | $ 183,000 |
| Lakeland-Winter Haven, FL | 18 | $ 4,740,000 | $ 263,333 | $ 97,000 |
| Clarksville, TN-KY | 17 | $ 4,485,000 | $ 263,823 | $ 75,000 |
| Homosassa Springs, FL | 17 | $ 4,175,000 | $ 245,588 | $ 101,000 |
| Sheboygan, WI | 17 | $ 3,335,000 | $ 196,176 | $ 77,000 |
| Atlanta-Sandy Springs-Roswell, GA | 16 | $ 7,440,000 | $ 465,000 | $ 135,000 |
| Racine, WI | 16 | $ 5,100,000 | $ 318,750 | $ 112,000 |
| Dallas-Plano-Irving, TX | 15 | $ 7,465,000 | $ 497,666 | $ 166,000 |
| Houston-The Woodlands-Sugar Land, TX | 15 | $ 5,585,000 | $ 372,333 | $ 131,000 |
| Palm Bay-Melbourne-Titusville, FL | 13 | $ 4,165,000 | $ 320,384 | $ 230,000 |
| Punta Gorda, FL | 13 | $ 5,495,000 | $ 422,692 | $ 163,000 |
| La Crosse-Onalaska, WI-MN | 12 | $ 3,010,000 | $ 250,833 | $ 95,500 |
| Mankato-North Mankato, MN | 12 | $ 2,550,000 | $ 212,500 | $ 101,000 |
| Chicago-Naperville, IL | 11 | $ 3,055,000 | $ 277,727 | $ 184,000 |
| Jefferson City, MO | 11 | $ 2,585,000 | $ 235,000 | $ 83,000 |
| Manhattan, KS | 11 | $ 2,115,000 | $ 192,272 | $ 76,000 |
| Colorado Springs, CO | 10 | $ 7,560,000 | $ 756,000 | $ 263,000 |
| Topeka, KS | 10 | $ 1,920,000 | $ 192,000 | $ 76,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 5,525,000 | $ 613,888 | $ 224,000 |
| Grand Forks, ND-MN | 9 | $ 5,855,000 | $ 650,555 | $ 98,555 |
| Bismarck, ND | 8 | $ 1,960,000 | $ 245,000 | $ 126,000 |
| Eau Claire, WI | 8 | $ 2,610,000 | $ 326,250 | $ 169,000 |
| Jacksonville, FL | 8 | $ 2,540,000 | $ 317,500 | $ 143,000 |
| Janesville-Beloit, WI | 8 | $ 1,730,000 | $ 216,250 | $ 99,000 |
| Lawrence, KS | 8 | $ 1,690,000 | $ 211,250 | $ 82,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 2,480,000 | $ 310,000 | $ 126,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 3,535,000 | $ 505,000 | $ 173,000 |
| Des Moines-West Des Moines, IA | 7 | $ 1,425,000 | $ 203,571 | $ 139,000 |
| Lake County-Kenosha County, IL-WI | 7 | $ 1,685,000 | $ 240,714 | $ 90,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 3,455,000 | $ 493,571 | $ 210,000 |
| San Diego-Carlsbad, CA | 7 | $ 3,845,000 | $ 549,285 | $ 186,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 7,865,000 | $ 1,123,571 | $ 349,000 |
| Springfield, MO | 7 | $ 12,925,000 | $ 1,846,428 | $ 154,000 |
| Boulder, CO | 6 | $ 3,550,000 | $ 591,666 | $ 190,000 |
| Green Bay, WI | 6 | $ 950,000 | $ 158,333 | $ 92,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 1,630,000 | $ 271,666 | $ 153,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 6 | $ 3,190,000 | $ 531,666 | $ 195,000 |
| Sioux Falls, SD | 6 | $ 1,580,000 | $ 263,333 | $ 129,000 |
| Austin-Round Rock, TX | 5 | $ 1,985,000 | $ 397,000 | $ 191,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 865,000 | $ 173,000 | $ 79,000 |
| Sierra Vista-Douglas, AZ | 5 | $ 1,295,000 | $ 259,000 | $ 97,000 |
| The Villages, FL | 5 | $ 1,785,000 | $ 357,000 | $ 185,000 |
| Appleton, WI | 4 | $ 1,090,000 | $ 272,500 | $ 90,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 1,730,000 | $ 432,500 | $ 127,000 |
| Chattanooga, TN-GA | 4 | $ 2,220,000 | $ 555,000 | $ 174,750 |
| Columbia, SC | 4 | $ 870,000 | $ 217,500 | $ 75,000 |
| Durham-Chapel Hill, NC | 4 | $ 1,480,000 | $ 370,000 | $ 121,000 |
| Fort Worth-Arlington, TX | 4 | $ 41,520,000 | $ 10,380,000 | $ 320,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 1,820,000 | $ 455,000 | $ 293,000 |
| Jackson, TN | 4 | $ 500,000 | $ 125,000 | $ 78,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 7,690,000 | $ 1,922,500 | $ 744,000 |
| Oshkosh-Neenah, WI | 4 | $ 810,000 | $ 202,500 | $ 76,000 |
| Raleigh, NC | 4 | $ 2,130,000 | $ 532,500 | $ 406,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 1,320,000 | $ 330,000 | $ 123,000 |
| Wausau, WI | 4 | $ 880,000 | $ 220,000 | $ 136,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 1,775,000 | $ 591,666 | $ 263,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 1,425,000 | $ 475,000 | $ 171,000 |
| Fort Collins, CO | 3 | $ 865,000 | $ 288,333 | $ 142,000 |
| Idaho Falls, ID | 3 | $ 525,000 | $ 175,000 | $ 154,000 |
| Las Cruces, NM | 3 | $ 565,000 | $ 188,333 | $ 97,000 |
| Lincoln, NE | 3 | $ 1,145,000 | $ 381,666 | $ 135,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 2,335,000 | $ 778,333 | $ 253,000 |
| Memphis, TN-MS-AR | 3 | $ 635,000 | $ 211,666 | $ 192,000 |
| Rockford, IL | 3 | $ 735,000 | $ 245,000 | $ 82,000 |
| San Antonio-New Braunfels, TX | 3 | $ 935,000 | $ 311,666 | $ 159,000 |
| Wilmington, NC | 3 | $ 1,945,000 | $ 648,333 | $ 235,000 |
| Asheville, NC | 2 | $ 440,000 | $ 220,000 | $ 76,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 350,000 | $ 175,000 | $ 140,500 |
| Billings, MT | 2 | $ 1,180,000 | $ 590,000 | $ 134,000 |
| Birmingham-Hoover, AL | 2 | $ 660,000 | $ 330,000 | $ 160,000 |
| Boise City, ID | 2 | $ 1,510,000 | $ 755,000 | $ 303,000 |
| Bremerton-Silverdale, WA | 2 | $ 2,370,000 | $ 1,185,000 | $ 954,000 |
| Cedar Rapids, IA | 2 | $ 370,000 | $ 185,000 | $ 88,000 |
| Elgin, IL | 2 | $ 370,000 | $ 185,000 | $ 182,000 |
| Greensboro-High Point, NC | 2 | $ 330,000 | $ 165,000 | $ 47,000 |
| Kennewick-Richland, WA | 2 | $ 46,210,000 | $ 23,105,000 | $ 0 |
| Knoxville, TN | 2 | $ 660,000 | $ 330,000 | $ 88,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 830,000 | $ 415,000 | $ 114,000 |
| Midland, MI | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Montgomery, AL | 2 | $ 650,000 | $ 325,000 | $ 239,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 610,000 | $ 305,000 | $ 69,000 |
| Ocala, FL | 2 | $ 720,000 | $ 360,000 | $ 112,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 4,700,000 | $ 2,350,000 | $ 832,000 |
| Panama City, FL | 2 | $ 460,000 | $ 230,000 | $ 85,000 |
| Roanoke, VA | 2 | $ 550,000 | $ 275,000 | $ 71,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 810,000 | $ 405,000 | $ 221,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 880,000 | $ 440,000 | $ 134,000 |
| Sebastian-Vero Beach, FL | 2 | $ 750,000 | $ 375,000 | $ 232,000 |
| Wichita, KS | 2 | $ 500,000 | $ 250,000 | $ 80,000 |
| Albany, GA | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Amarillo, TX | 1 | $ 535,000 | $ 535,000 | $ 389,000 |
| Bakersfield, CA | 1 | $ 225,000 | $ 225,000 | $ 110,000 |
| Beaumont-Port Arthur, TX | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| Bellingham, WA | 1 | $ 45,000 | $ 45,000 | $ 132,000 |
| Bloomington, IL | 1 | $ 295,000 | $ 295,000 | $ 150,000 |
| Brunswick, GA | 1 | $ 705,000 | $ 705,000 | $ 616,000 |
| Champaign-Urbana, IL | 1 | $ 215,000 | $ 215,000 | $ 97,000 |
| Corpus Christi, TX | 1 | $ 155,000 | $ 155,000 | $ 148,000 |
| Dalton, GA | 1 | $ 375,000 | $ 375,000 | $ 241,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 495,000 | $ 495,000 | $ 214,000 |
| Farmington, NM | 1 | $ 125,000 | $ 125,000 | $ 194,000 |
| Fayetteville, NC | 1 | $ 115,000 | $ 115,000 | $ 47,000 |
| Fort Smith, AR-OK | 1 | $ 365,000 | $ 365,000 | $ 150,000 |
| Goldsboro, NC | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Great Falls, MT | 1 | $ 2,355,000 | $ 2,355,000 | $ 0 |
| Greeley, CO | 1 | $ 605,000 | $ 605,000 | $ 133,000 |
| Hanford-Corcoran, CA | 1 | $ 505,000 | $ 505,000 | $ 247,000 |
| Iowa City, IA | 1 | $ 395,000 | $ 395,000 | $ 151,000 |
| Jacksonville, NC | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Killeen-Temple, TX | 1 | $ 145,000 | $ 145,000 | $ 96,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 595,000 | $ 595,000 | $ 106,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 185,000 | $ 185,000 | $ 43,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 395,000 | $ 395,000 | $ 308,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 255,000 | $ 255,000 | $ 176,000 |
| Lubbock, TX | 1 | $ 235,000 | $ 235,000 | $ 78,000 |
| Midland, TX | 1 | $ 415,000 | $ 415,000 | $ 154,000 |
| Morristown, TN | 1 | $ 405,000 | $ 405,000 | $ 54,000 |
| New Bern, NC | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 525,000 | $ 525,000 | $ 285,000 |
| Ogden-Clearfield, UT | 1 | $ 145,000 | $ 145,000 | $ 134,000 |
| Port St. Lucie, FL | 1 | $ 345,000 | $ 345,000 | $ 255,000 |
| Rapid City, SD | 1 | $ 42,495,000 | $ 42,495,000 | $ 0 |
| Richmond, VA | 1 | $ 175,000 | $ 175,000 | $ 63,000 |
| Salt Lake City, UT | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 645,000 | $ 645,000 | $ 208,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 735,000 | $ 735,000 | $ 384,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 1,115,000 | $ 1,115,000 | $ 260,000 |
| Santa Rosa, CA | 1 | $ 625,000 | $ 625,000 | $ 521,000 |
| Sioux City, IA-NE-SD | 1 | $ 305,000 | $ 305,000 | $ 143,000 |
| Springfield, IL | 1 | $ 365,000 | $ 365,000 | $ 188,000 |
| St. Joseph, MO-KS | 1 | $ 165,000 | $ 165,000 | $ 79,000 |
| Tacoma-Lakewood, WA | 1 | $ 645,000 | $ 645,000 | $ 332,000 |
| Valdosta, GA | 1 | $ 185,000 | $ 185,000 | $ 37,000 |
| Vallejo-Fairfield, CA | 1 | $ 525,000 | $ 525,000 | $ 302,000 |
| Yuma, AZ | 1 | $ 175,000 | $ 175,000 | $ 183,000 |
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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