Bell Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Bell Bank 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Bell Bank 3100 13Th Ave S Fargo, ND 58103 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 12,202 |
| Total Mortgage Loan Application Amount | $3,888,610,000 |
| Average Mortgage Loan Application Amount | $233,500 |
| Highest Mortgage Loan Application Amount | $40,405,000 |
| Average Applicant Income | $148,500 |
| Highest Applicant Income | $8,900,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Bell Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bell Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Bell Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bell Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Bell Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bell Bank's mortgage activity for 2023.
| 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 | 5,319 | $ 1,679,505,000 | $ 300,000 | $ 156,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 1,497 | $ 557,755,000 | $ 372,000 | $ 187,000 |
| NA (OUTSIDE OF MSA/MD) | 1,416 | $ 330,610,000 | $ 421,857 | $ 205,629 |
| FARGO, ND-MN | 758 | $ 147,690,000 | $ 177,000 | $ 135,500 |
| KANSAS CITY, MO-KS | 339 | $ 112,415,000 | $ 325,500 | $ 135,500 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 274 | $ 73,390,000 | $ 267,000 | $ 124,000 |
| ROCHESTER, MN | 248 | $ 98,740,000 | $ 398,000 | $ 120,000 |
| MADISON, WI | 245 | $ 83,245,000 | $ 339,000 | $ 149,000 |
| DULUTH, MN-WI | 203 | $ 70,505,000 | $ 292,000 | $ 161,500 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 166 | $ 66,150,000 | $ 398,000 | $ 138,000 |
| ST. LOUIS, MO-IL | 134 | $ 34,670,000 | $ 254,000 | $ 120,500 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 129 | $ 50,145,000 | $ 388,000 | $ 177,000 |
| ALBUQUERQUE, NM | 112 | $ 40,590,000 | $ 362,000 | $ 182,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 107 | $ 61,165,000 | $ 571,000 | $ 271,000 |
| COLUMBIA, MO | 78 | $ 26,810,000 | $ 343,000 | $ 145,000 |
| SEBRING, FL | 76 | $ 18,340,000 | $ 241,000 | $ 106,000 |
| ST. CLOUD, MN | 62 | $ 16,500,000 | $ 266,000 | $ 120,000 |
| DENVER-AURORA-LAKEWOOD, CO | 55 | $ 29,755,000 | $ 541,000 | $ 220,000 |
| SANTA FE, NM | 55 | $ 25,245,000 | $ 459,000 | $ 150,000 |
| JACKSONVILLE, FL | 53 | $ 25,775,000 | $ 486,000 | $ 180,000 |
| CAPE CORAL-FORT MYERS, FL | 48 | $ 22,130,000 | $ 461,000 | $ 225,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 46 | $ 22,130,000 | $ 481,000 | $ 278,000 |
| SHEBOYGAN, WI | 42 | $ 9,100,000 | $ 216,000 | $ 110,000 |
| JANESVILLE-BELOIT, WI | 40 | $ 10,790,000 | $ 269,000 | $ 99,000 |
| TALLAHASSEE, FL | 33 | $ 8,665,000 | $ 262,000 | $ 98,000 |
| TOPEKA, KS | 26 | $ 4,570,000 | $ 175,000 | $ 111,000 |
| CHICAGO-NAPERVILLE, IL | 24 | $ 7,770,000 | $ 323,000 | $ 177,000 |
| LAKELAND-WINTER HAVEN, FL | 21 | $ 5,945,000 | $ 283,000 | $ 114,000 |
| LAWRENCE, KS | 19 | $ 4,875,000 | $ 256,000 | $ 129,000 |
| PRESCOTT VALLEY-PRESCOTT, AZ | 18 | $ 7,090,000 | $ 393,000 | $ 155,000 |
| RACINE, WI | 18 | $ 4,530,000 | $ 251,000 | $ 97,000 |
| TUCSON, AZ | 17 | $ 7,865,000 | $ 462,000 | $ 255,000 |
| FORT COLLINS, CO | 16 | $ 6,820,000 | $ 426,000 | $ 204,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 16 | $ 8,460,000 | $ 528,000 | $ 249,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 15 | $ 7,615,000 | $ 507,000 | $ 176,000 |
| FLAGSTAFF, AZ | 15 | $ 10,395,000 | $ 693,000 | $ 491,000 |
| LA CROSSE-ONALASKA, WI-MN | 15 | $ 3,895,000 | $ 262,000 | $ 96,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 15 | $ 12,065,000 | $ 804,000 | $ 329,000 |
| DALLAS-PLANO-IRVING, TX | 13 | $ 6,395,000 | $ 491,000 | $ 271,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 13 | $ 6,155,000 | $ 473,000 | $ 249,000 |
| PUNTA GORDA, FL | 13 | $ 4,195,000 | $ 322,000 | $ 151,000 |
| DES MOINES-WEST DES MOINES, IA | 12 | $ 3,560,000 | $ 296,000 | $ 157,000 |
| FOND DU LAC, WI | 12 | $ 1,830,000 | $ 152,000 | $ 85,000 |
| CLARKSVILLE, TN-KY | 11 | $ 3,125,000 | $ 284,000 | $ 88,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 11 | $ 3,325,000 | $ 302,000 | $ 122,000 |
| MANKATO-NORTH MANKATO, MN | 11 | $ 2,525,000 | $ 229,000 | $ 112,000 |
| JEFFERSON CITY, MO | 10 | $ 2,850,000 | $ 285,000 | $ 135,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 10 | $ 4,360,000 | $ 436,000 | $ 159,000 |
| GRAND FORKS, ND-MN | 9 | $ 2,205,000 | $ 256,000 | $ 264,500 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 9 | $ 3,425,000 | $ 400,500 | $ 158,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 9 | $ 3,665,000 | $ 407,000 | $ 156,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 8 | $ 4,900,000 | $ 612,000 | $ 348,000 |
| COLORADO SPRINGS, CO | 7 | $ 2,725,000 | $ 389,000 | $ 143,000 |
| EAU CLAIRE, WI | 7 | $ 3,155,000 | $ 450,000 | $ 174,000 |
| GREELEY, CO | 7 | $ 2,665,000 | $ 380,000 | $ 154,000 |
| OCALA, FL | 7 | $ 1,665,000 | $ 237,000 | $ 109,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 7 | $ 1,935,000 | $ 276,000 | $ 300,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 7 | $ 2,425,000 | $ 475,000 | $ 206,500 |
| AUSTIN-ROUND ROCK, TX | 6 | $ 2,150,000 | $ 358,000 | $ 161,000 |
| MEMPHIS, TN-MS-AR | 6 | $ 1,400,000 | $ 233,000 | $ 178,000 |
| SIOUX FALLS, SD | 6 | $ 3,810,000 | $ 635,000 | $ 396,000 |
| BOULDER, CO | 5 | $ 4,935,000 | $ 987,000 | $ 276,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 5 | $ 2,125,000 | $ 425,000 | $ 222,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 5 | $ 3,055,000 | $ 611,000 | $ 208,000 |
| PORT ST. LUCIE, FL | 5 | $ 5,455,000 | $ 1,091,000 | $ 877,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 5 | $ 3,595,000 | $ 775,000 | $ 580,500 |
| BISMARCK, ND | 4 | $ 1,940,000 | $ 485,000 | $ 246,000 |
| CHATTANOOGA, TN-GA | 4 | $ 1,480,000 | $ 311,500 | $ 166,500 |
| DETROIT-DEARBORN-LIVONIA, MI | 4 | $ 830,000 | $ 207,000 | $ 93,000 |
| GREEN BAY, WI | 4 | $ 980,000 | $ 245,000 | $ 125,000 |
| KNOXVILLE, TN | 4 | $ 3,290,000 | $ 822,000 | $ 167,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 4 | $ 930,000 | $ 232,500 | $ 167,500 |
| OSHKOSH-NEENAH, WI | 4 | $ 860,000 | $ 215,000 | $ 54,000 |
| SPRINGFIELD, MO | 4 | $ 810,000 | $ 202,000 | $ 95,000 |
| YUMA, AZ | 4 | $ 1,050,000 | $ 262,000 | $ 159,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 3 | $ 2,515,000 | $ 838,000 | $ 357,000 |
| APPLETON, WI | 3 | $ 375,000 | $ 125,000 | $ 70,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 3 | $ 1,375,000 | $ 455,000 | $ 132,000 |
| BILLINGS, MT | 3 | $ 1,245,000 | $ 415,000 | $ 145,000 |
| CEDAR RAPIDS, IA | 3 | $ 725,000 | $ 241,000 | $ 76,000 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 3 | $ 845,000 | $ 281,000 | $ 90,000 |
| DURHAM-CHAPEL HILL, NC | 3 | $ 985,000 | $ 328,000 | $ 165,000 |
| GRAND JUNCTION, CO | 3 | $ 705,000 | $ 235,000 | $ 146,000 |
| HOMOSASSA SPRINGS, FL | 3 | $ 795,000 | $ 265,000 | $ 117,000 |
| LAS CRUCES, NM | 3 | $ 615,000 | $ 205,000 | $ 102,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 3 | $ 1,115,000 | $ 371,000 | $ 390,000 |
| RALEIGH, NC | 3 | $ 1,865,000 | $ 621,000 | $ 186,000 |
| RICHMOND, VA | 3 | $ 1,695,000 | $ 565,000 | $ 154,000 |
| ROANOKE, VA | 3 | $ 575,000 | $ 191,000 | $ 56,000 |
| ROCKFORD, IL | 3 | $ 535,000 | $ 178,000 | $ 101,000 |
| SALT LAKE CITY, UT | 3 | $ 825,000 | $ 275,000 | $ 88,000 |
| SAN DIEGO-CARLSBAD, CA | 3 | $ 1,425,000 | $ 475,000 | $ 382,000 |
| SAVANNAH, GA | 3 | $ 1,165,000 | $ 388,000 | $ 165,000 |
| THE VILLAGES, FL | 3 | $ 795,000 | $ 265,000 | $ 92,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 3 | $ 1,295,000 | $ 431,000 | $ 167,000 |
| WICHITA, KS | 3 | $ 825,000 | $ 275,000 | $ 104,000 |
| ALBANY, GA | 2 | $ 590,000 | $ 295,000 | $ 111,000 |
| ASHEVILLE, NC | 2 | $ 700,000 | $ 350,000 | $ 380,000 |
| BOISE CITY, ID | 2 | $ 920,000 | $ 460,000 | $ 149,000 |
| BRUNSWICK, GA | 2 | $ 780,000 | $ 390,000 | $ 263,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 2 | $ 630,000 | $ 315,000 | $ 113,000 |
| COLUMBIA, SC | 2 | $ 620,000 | $ 310,000 | $ 218,000 |
| CORPUS CHRISTI, TX | 2 | $ 780,000 | $ 390,000 | $ 133,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 2 | $ 2,210,000 | $ 1,105,000 | $ 488,000 |
| DOTHAN, AL | 2 | $ 490,000 | $ 245,000 | $ 38,000 |
| FLINT, MI | 2 | $ 400,000 | $ 200,000 | $ 98,000 |
| FORT WORTH-ARLINGTON, TX | 2 | $ 850,000 | $ 425,000 | $ 310,000 |
| GREENVILLE, NC | 2 | $ 580,000 | $ 290,000 | $ 90,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 2 | $ 4,920,000 | $ 2,460,000 | $ 1,125,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 2 | $ 2,050,000 | $ 1,025,000 | $ 286,000 |
| PANAMA CITY, FL | 2 | $ 650,000 | $ 325,000 | $ 65,000 |
| RAPID CITY, SD | 2 | $ 710,000 | $ 355,000 | $ 111,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 2 | $ 1,080,000 | $ 540,000 | $ 231,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 2 | $ 1,170,000 | $ 585,000 | $ 150,000 |
| SIERRA VISTA-DOUGLAS, AZ | 2 | $ 610,000 | $ 305,000 | $ 100,000 |
| SIOUX CITY, IA-NE-SD | 2 | $ 630,000 | $ 315,000 | $ 137,000 |
| SPARTANBURG, SC | 2 | $ 510,000 | $ 255,000 | $ 115,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 2 | $ 240,000 | $ 120,000 | $ 0 |
| WATERLOO-CEDAR FALLS, IA | 2 | $ 760,000 | $ 380,000 | $ 157,000 |
| WAUSAU, WI | 2 | $ 280,000 | $ 140,000 | $ 74,000 |
| AMARILLO, TX | 1 | $ 215,000 | $ 215,000 | $ 61,000 |
| ANN ARBOR, MI | 1 | $ 495,000 | $ 495,000 | $ 255,000 |
| AUBURN-OPELIKA, AL | 1 | $ 265,000 | $ 265,000 | $ 112,000 |
| BATTLE CREEK, MI | 1 | $ 245,000 | $ 245,000 | $ 131,000 |
| BLACKSBURG-CHRISTIANSBURG-RADFORD, VA | 1 | $ 195,000 | $ 195,000 | $ 46,000 |
| BOWLING GREEN, KY | 1 | $ 195,000 | $ 195,000 | $ 211,000 |
| COEUR D'ALENE, ID | 1 | $ 1,035,000 | $ 1,035,000 | $ 4,375,000 |
| ELGIN, IL | 1 | $ 725,000 | $ 725,000 | $ 401,000 |
| EUGENE, OR | 1 | $ 325,000 | $ 325,000 | $ 65,000 |
| FAYETTEVILLE, NC | 1 | $ 395,000 | $ 395,000 | $ 93,000 |
| FORT SMITH, AR-OK | 1 | $ 445,000 | $ 445,000 | $ 300,000 |
| FORT WAYNE, IN | 1 | $ 255,000 | $ 255,000 | $ 140,000 |
| GAINESVILLE, GA | 1 | $ 475,000 | $ 475,000 | $ 243,000 |
| GARY, IN | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| GRAND RAPIDS-WYOMING, MI | 1 | $ 725,000 | $ 725,000 | $ 294,000 |
| GREENVILLE-ANDERSON-MAULDIN, SC | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| GULFPORT-BILOXI-PASCAGOULA, MS | 1 | $ 405,000 | $ 405,000 | $ 277,000 |
| HANFORD-CORCORAN, CA | 1 | $ 405,000 | $ 405,000 | $ 285,000 |
| HARRISONBURG, VA | 1 | $ 335,000 | $ 335,000 | $ 646,000 |
| HICKORY-LENOIR-MORGANTON, NC | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 1 | $ 465,000 | $ 465,000 | $ 400,000 |
| HOT SPRINGS, AR | 1 | $ 75,000 | $ 75,000 | $ 152,000 |
| IDAHO FALLS, ID | 1 | $ 445,000 | $ 445,000 | $ 122,000 |
| IOWA CITY, IA | 1 | $ 245,000 | $ 245,000 | $ 119,000 |
| JACKSON, MS | 1 | $ 35,000 | $ 35,000 | $ 219,000 |
| KILLEEN-TEMPLE, TX | 1 | $ 835,000 | $ 835,000 | $ 323,000 |
| LAKE HAVASU CITY-KINGMAN, AZ | 1 | $ 235,000 | $ 235,000 | $ 47,000 |
| LINCOLN, NE | 1 | $ 395,000 | $ 395,000 | $ 114,000 |
| LONGVIEW, TX | 1 | $ 455,000 | $ 455,000 | $ 218,000 |
| MADERA, CA | 1 | $ 505,000 | $ 505,000 | $ 155,000 |
| MANSFIELD, OH | 1 | $ 2,945,000 | $ 2,945,000 | $ 0 |
| MCALLEN-EDINBURG-MISSION, TX | 1 | $ 115,000 | $ 115,000 | $ 87,000 |
| MIDLAND, TX | 1 | $ 365,000 | $ 365,000 | $ 245,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 1 | $ 405,000 | $ 405,000 | $ 293,000 |
| MORRISTOWN, TN | 1 | $ 905,000 | $ 905,000 | $ 502,000 |
| NEW BERN, NC | 1 | $ 75,000 | $ 75,000 | $ 59,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 1 | $ 1,155,000 | $ 1,155,000 | $ 1,430,000 |
| OLYMPIA-TUMWATER, WA | 1 | $ 465,000 | $ 465,000 | $ 194,000 |
| SALEM, OR | 1 | $ 475,000 | $ 475,000 | $ 134,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 1 | $ 205,000 | $ 205,000 | $ 387,000 |
| SANTA CRUZ-WATSONVILLE, CA | 1 | $ 465,000 | $ 465,000 | $ 175,000 |
| SEBASTIAN-VERO BEACH, FL | 1 | $ 455,000 | $ 455,000 | $ 82,000 |
| SHERMAN-DENISON, TX | 1 | $ 235,000 | $ 235,000 | $ 114,000 |
| TACOMA-LAKEWOOD, WA | 1 | $ 535,000 | $ 535,000 | $ 187,000 |
| TULSA, OK | 1 | $ 435,000 | $ 435,000 | $ 109,000 |
| WALLA WALLA, WA | 1 | $ 385,000 | $ 385,000 | $ 107,000 |
| WILMINGTON, NC | 1 | $ 405,000 | $ 405,000 | $ 124,000 |
| WINSTON-SALEM, NC | 1 | $ 255,000 | $ 255,000 | $ 118,000 |
| YAKIMA, WA | 1 | $ 315,000 | $ 315,000 | $ 91,000 |
Mortgage Loan Application Detail Totals for Bell Bank in 2023
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 | 9,140 | $3,326,350,000 | $363,000 | $40,405,000 | $158,000 | $5,231,000 |
| Home Improvement | 1,120 | $117,210,000 | $104,000 | $1,005,000 | $169,000 | $2,640,000 |
| Other Purpose | 1,060 | $190,410,000 | $179,000 | $3,875,000 | $188,000 | $2,019,000 |
| Refinancing | 598 | $176,190,000 | $294,000 | $11,005,000 | $207,000 | $8,900,000 |
| Cash-out Refinancing | 282 | $78,080,000 | $276,000 | $2,505,000 | $145,000 | $4,911,000 |
| Not Applicable | 2 | $370,000 | $185,000 | $355,000 | $24,000 | $48,000 |
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 | 8,747 | $2,681,225,000 | $306,000 | $5,005,000 | $167,000 | $8,900,000 |
| Not Provided | 1,244 | $427,500,000 | $343,000 | $2,765,000 | $192,000 | $4,911,000 |
| Hispanic | 775 | $224,235,000 | $289,000 | $5,005,000 | $118,000 | $2,399,000 |
| Black or African American | 524 | $145,390,000 | $277,000 | $1,685,000 | $122,000 | $1,442,000 |
| Asian | 519 | $176,635,000 | $340,000 | $2,795,000 | $151,000 | $1,259,000 |
| Not applicable | 224 | $183,030,000 | $817,000 | $40,405,000 | $0 | $0 |
| American Indian or Alaskan Native | 84 | $21,360,000 | $254,000 | $1,235,000 | $115,000 | $366,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,990,000 | $248,000 | $645,000 | $133,000 | $406,000 |
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) | 10,936 | $3,488,830,000 | $319,000 | $40,405,000 | $171,000 | $8,900,000 |
| FHA-insured (Federal Housing Administration) | 820 | $236,750,000 | $288,000 | $625,000 | $96,000 | $897,000 |
| VA-guaranteed (Veterans Administration) | 414 | $154,760,000 | $373,000 | $1,245,000 | $123,000 | $710,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 32 | $8,270,000 | $258,000 | $515,000 | $87,000 | $150,000 |
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 | 9,877 | $3,146,205,000 | $318,000 | $40,405,000 | $166,000 | $8,900,000 |
| Application Withdrawn By Applicant | 1,538 | $541,880,000 | $352,000 | $2,505,000 | $169,000 | $4,911,000 |
| Application Denied By Financial Institution | 695 | $161,045,000 | $231,000 | $2,475,000 | $116,000 | $2,640,000 |
| Application Approved But Not Accepted | 66 | $31,450,000 | $476,000 | $11,255,000 | $158,000 | $641,000 |
| Loan Purchased By The Institution | 23 | $7,395,000 | $321,000 | $1,005,000 | $0 | $0 |
| File Closed For Incompleteness | 3 | $635,000 | $211,000 | $295,000 | $74,000 | $88,000 |
| 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 | 11,507 | $3,727,565,000 | $323,000 | $40,405,000 | $167,000 | $8,900,000 |
| Debt-To-Income Ratio | 302 | $74,780,000 | $247,000 | $2,295,000 | $94,000 | $494,000 |
| Collateral | 174 | $37,910,000 | $217,000 | $1,845,000 | $142,000 | $617,000 |
| Credit History | 127 | $18,715,000 | $147,000 | $625,000 | $116,000 | $2,640,000 |
| Credit Application Incomplete | 26 | $10,640,000 | $409,000 | $1,005,000 | $217,000 | $912,000 |
| Other | 26 | $6,960,000 | $267,000 | $755,000 | $78,000 | $292,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $5,140,000 | $285,000 | $805,000 | $120,000 | $315,000 |
| Employment History | 14 | $6,020,000 | $430,000 | $2,475,000 | $128,000 | $562,000 |
| Unverifiable Information | 8 | $880,000 | $110,000 | $475,000 | $119,000 | $372,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bell Bank's 2023 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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