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Disclosure Act (HMDA) records Bell Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 5,852 | $ 1,767,530,000 | $ 302,038 | $ 156,969 |
| Outside any metro area | 1,824 | $ 398,890,000 | $ 218,689 | $ 142,302 |
| Phoenix-Mesa-Scottsdale, AZ | 1,501 | $ 561,805,000 | $ 374,287 | $ 188,000 |
| Fargo, ND-MN | 851 | $ 155,725,000 | $ 182,990 | $ 135,270 |
| Kansas City, MO-KS | 434 | $ 140,950,000 | $ 324,769 | $ 143,495 |
| Madison, WI | 344 | $ 130,660,000 | $ 379,825 | $ 159,000 |
| Milwaukee-Waukesha-West Allis, WI | 260 | $ 68,980,000 | $ 265,307 | $ 129,000 |
| Rochester, MN | 254 | $ 59,810,000 | $ 235,472 | $ 121,000 |
| Duluth, MN-WI | 250 | $ 64,100,000 | $ 256,400 | $ 180,440 |
| St. Louis, MO-IL | 178 | $ 47,600,000 | $ 267,415 | $ 121,134 |
| Albuquerque, NM | 145 | $ 46,735,000 | $ 322,310 | $ 149,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 111 | $ 45,195,000 | $ 407,162 | $ 170,000 |
| Columbia, MO | 108 | $ 34,160,000 | $ 316,296 | $ 125,000 |
| Orlando-Kissimmee-Sanford, FL | 77 | $ 37,715,000 | $ 489,805 | $ 258,000 |
| Lawrence, KS | 65 | $ 17,525,000 | $ 269,615 | $ 129,000 |
| St. Cloud, MN | 65 | $ 14,485,000 | $ 222,846 | $ 90,000 |
| Sebring, FL | 62 | $ 11,430,000 | $ 184,354 | $ 79,000 |
| Santa Fe, NM | 60 | $ 24,810,000 | $ 413,500 | $ 180,000 |
| Tampa, FL | 60 | $ 20,960,000 | $ 349,333 | $ 167,000 |
| Jacksonville, FL | 56 | $ 26,720,000 | $ 477,142 | $ 190,000 |
| St. Petersburg-Clearwater-Largo, FL | 54 | $ 19,600,000 | $ 362,962 | $ 161,000 |
| Cape Coral-Fort Myers, FL | 51 | $ 19,415,000 | $ 380,686 | $ 230,000 |
| Janesville-Beloit, WI | 42 | $ 11,110,000 | $ 264,523 | $ 110,000 |
| Sheboygan, WI | 35 | $ 8,585,000 | $ 245,285 | $ 114,000 |
| Chicago-Naperville, IL | 30 | $ 14,640,000 | $ 488,000 | $ 232,000 |
| Topeka, KS | 30 | $ 6,340,000 | $ 211,333 | $ 98,000 |
| Fort Collins, CO | 28 | $ 13,310,000 | $ 475,357 | $ 166,000 |
| North Port-Sarasota-Bradenton, FL | 23 | $ 8,365,000 | $ 363,695 | $ 209,000 |
| Tallahassee, FL | 23 | $ 5,535,000 | $ 240,652 | $ 126,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 23 | $ 7,985,000 | $ 347,173 | $ 186,000 |
| Denver-Aurora-Lakewood, CO | 20 | $ 14,180,000 | $ 709,000 | $ 725,000 |
| Prescott Valley-Prescott, AZ | 20 | $ 6,180,000 | $ 309,000 | $ 136,000 |
| Tucson, AZ | 20 | $ 7,240,000 | $ 362,000 | $ 286,000 |
| Fond Du Lac, WI | 17 | $ 3,615,000 | $ 212,647 | $ 90,000 |
| Jefferson City, MO | 17 | $ 4,585,000 | $ 269,705 | $ 102,000 |
| Flagstaff, AZ | 16 | $ 11,300,000 | $ 706,250 | $ 422,000 |
| Dallas-Plano-Irving, TX | 13 | $ 8,085,000 | $ 621,923 | $ 224,000 |
| Knoxville, TN | 13 | $ 3,755,000 | $ 288,846 | $ 115,000 |
| La Crosse-Onalaska, WI-MN | 13 | $ 3,045,000 | $ 234,230 | $ 105,615 |
| Mankato-North Mankato, MN | 13 | $ 3,685,000 | $ 283,461 | $ 103,000 |
| Racine, WI | 13 | $ 3,605,000 | $ 277,307 | $ 120,000 |
| Clarksville, TN-KY | 12 | $ 2,770,000 | $ 230,833 | $ 79,083 |
| Naples-Immokalee-Marco Island, FL | 12 | $ 9,650,000 | $ 804,166 | $ 521,000 |
| Wichita, KS | 12 | $ 2,490,000 | $ 207,500 | $ 79,000 |
| Bismarck, ND | 11 | $ 3,105,000 | $ 282,272 | $ 181,000 |
| Chattanooga, TN-GA | 11 | $ 5,295,000 | $ 481,363 | $ 160,272 |
| Eau Claire, WI | 11 | $ 3,445,000 | $ 313,181 | $ 179,000 |
| Atlanta-Sandy Springs-Roswell, GA | 9 | $ 6,665,000 | $ 740,555 | $ 359,000 |
| Colorado Springs, CO | 9 | $ 4,165,000 | $ 462,777 | $ 127,000 |
| Green Bay, WI | 9 | $ 2,015,000 | $ 223,888 | $ 225,000 |
| Lakeland-Winter Haven, FL | 9 | $ 1,855,000 | $ 206,111 | $ 126,000 |
| Punta Gorda, FL | 9 | $ 3,095,000 | $ 343,888 | $ 165,000 |
| Charlotte-Concord-Gastonia, NC-SC | 8 | $ 3,410,000 | $ 426,250 | $ 197,125 |
| Deltona-Daytona Beach-Ormond Beach, FL | 8 | $ 3,520,000 | $ 440,000 | $ 187,000 |
| Grand Forks, ND-MN | 8 | $ 2,320,000 | $ 290,000 | $ 157,000 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 2,450,000 | $ 306,250 | $ 186,000 |
| Greeley, CO | 7 | $ 2,925,000 | $ 417,857 | $ 148,000 |
| Houston-The Woodlands-Sugar Land, TX | 7 | $ 2,325,000 | $ 332,142 | $ 144,000 |
| Ocala, FL | 7 | $ 2,205,000 | $ 315,000 | $ 106,000 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 4,600,000 | $ 766,666 | $ 891,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 2,990,000 | $ 498,333 | $ 329,000 |
| San Diego-Carlsbad, CA | 6 | $ 6,440,000 | $ 1,073,333 | $ 463,000 |
| Warren-Troy-Farmington Hills, MI | 6 | $ 2,490,000 | $ 415,000 | $ 162,000 |
| Appleton, WI | 5 | $ 1,875,000 | $ 375,000 | $ 202,000 |
| Boise City, ID | 5 | $ 50,975,000 | $ 10,195,000 | $ 190,000 |
| Des Moines-West Des Moines, IA | 5 | $ 1,175,000 | $ 235,000 | $ 117,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 1,685,000 | $ 337,000 | $ 142,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 1,395,000 | $ 279,000 | $ 247,000 |
| Rockford, IL | 5 | $ 755,000 | $ 151,000 | $ 67,000 |
| Sioux Falls, SD | 5 | $ 1,795,000 | $ 359,000 | $ 168,000 |
| Boulder, CO | 4 | $ 3,390,000 | $ 847,500 | $ 211,000 |
| Columbia, SC | 4 | $ 2,080,000 | $ 520,000 | $ 194,000 |
| Homosassa Springs, FL | 4 | $ 1,540,000 | $ 385,000 | $ 120,000 |
| Jackson, TN | 4 | $ 1,030,000 | $ 257,500 | $ 150,000 |
| Johnson City, TN | 4 | $ 680,000 | $ 170,000 | $ 106,000 |
| Manhattan, KS | 4 | $ 630,000 | $ 157,500 | $ 86,000 |
| Morristown, TN | 4 | $ 1,460,000 | $ 365,000 | $ 160,000 |
| Sierra Vista-Douglas, AZ | 4 | $ 1,560,000 | $ 390,000 | $ 199,000 |
| Austin-Round Rock, TX | 3 | $ 1,475,000 | $ 491,666 | $ 138,000 |
| Durham-Chapel Hill, NC | 3 | $ 2,015,000 | $ 671,666 | $ 1,675,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 1,255,000 | $ 418,333 | $ 146,000 |
| Fort Worth-Arlington, TX | 3 | $ 1,755,000 | $ 585,000 | $ 221,000 |
| Kenosha, WI | 3 | $ 745,000 | $ 248,333 | $ 117,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 865,000 | $ 288,333 | $ 145,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 1,815,000 | $ 605,000 | $ 213,000 |
| Ogden-Clearfield, UT | 3 | $ 2,935,000 | $ 978,333 | $ 529,000 |
| Oshkosh-Neenah, WI | 3 | $ 695,000 | $ 231,666 | $ 107,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 2,165,000 | $ 721,666 | $ 228,000 |
| Pueblo, CO | 3 | $ 1,135,000 | $ 378,333 | $ 112,000 |
| Spokane-Spokane Valley, WA | 3 | $ 1,035,000 | $ 345,000 | $ 198,000 |
| Traverse City, MI | 3 | $ 875,000 | $ 291,666 | $ 532,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,365,000 | $ 455,000 | $ 193,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 495,000 | $ 165,000 | $ 159,000 |
| Wildwood-The Villages, FL | 3 | $ 675,000 | $ 225,000 | $ 203,000 |
| Arlington-Alexandria-Reston, VA-WV | 2 | $ 1,400,000 | $ 700,000 | $ 156,000 |
| Billings, MT | 2 | $ 12,160,000 | $ 6,080,000 | $ 79,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 600,000 | $ 300,000 | $ 210,000 |
| Brunswick, GA | 2 | $ 910,000 | $ 455,000 | $ 319,000 |
| Charleston-North Charleston, SC | 2 | $ 1,420,000 | $ 710,000 | $ 574,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 1,120,000 | $ 560,000 | $ 174,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 1,020,000 | $ 510,000 | $ 285,000 |
| Everett, WA | 2 | $ 1,530,000 | $ 765,000 | $ 308,000 |
| Florence, SC | 2 | $ 610,000 | $ 305,000 | $ 114,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 410,000 | $ 205,000 | $ 106,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 630,000 | $ 315,000 | $ 79,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 810,000 | $ 405,000 | $ 101,000 |
| Hot Springs, AR | 2 | $ 400,000 | $ 200,000 | $ 117,000 |
| Huntsville, AL | 2 | $ 200,000 | $ 100,000 | $ 101,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 1,040,000 | $ 520,000 | $ 187,000 |
| Lake County-Porter County-Jasper County, IN | 2 | $ 1,870,000 | $ 935,000 | $ 559,000 |
| Lincoln, NE | 2 | $ 810,000 | $ 405,000 | $ 231,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 2,100,000 | $ 1,050,000 | $ 399,000 |
| Lubbock, TX | 2 | $ 540,000 | $ 270,000 | $ 112,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 900,000 | $ 450,000 | $ 154,000 |
| Minot, ND | 2 | $ 590,000 | $ 295,000 | $ 114,000 |
| Oklahoma City, OK | 2 | $ 440,000 | $ 220,000 | $ 157,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 1,180,000 | $ 590,000 | $ 189,000 |
| Raleigh, NC | 2 | $ 1,020,000 | $ 510,000 | $ 218,000 |
| Rapid City, SD | 2 | $ 1,480,000 | $ 740,000 | $ 118,000 |
| Richmond, VA | 2 | $ 940,000 | $ 470,000 | $ 193,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 1,920,000 | $ 960,000 | $ 336,000 |
| Salinas, CA | 2 | $ 980,000 | $ 490,000 | $ 155,000 |
| Savannah, GA | 2 | $ 580,000 | $ 290,000 | $ 92,000 |
| Springfield, MO | 2 | $ 290,000 | $ 145,000 | $ 55,000 |
| Tulsa, OK | 2 | $ 460,000 | $ 230,000 | $ 354,000 |
| Washington, DC-MD | 2 | $ 1,470,000 | $ 735,000 | $ 277,000 |
| Wausau, WI | 2 | $ 360,000 | $ 180,000 | $ 83,000 |
| Yuma, AZ | 2 | $ 620,000 | $ 310,000 | $ 124,000 |
| Asheville, NC | 1 | $ 375,000 | $ 375,000 | $ 215,000 |
| Athens-Clarke County, GA | 1 | $ 255,000 | $ 255,000 | $ 57,000 |
| Auburn-Opelika, AL | 1 | $ 275,000 | $ 275,000 | $ 88,000 |
| Bend-Redmond, OR | 1 | $ 26,255,000 | $ 26,255,000 | $ 0 |
| Bloomington, IN | 1 | $ 195,000 | $ 195,000 | $ 74,000 |
| Bozeman, MT | 1 | $ 705,000 | $ 705,000 | $ 134,000 |
| Camden, NJ | 1 | $ 335,000 | $ 335,000 | $ 305,000 |
| Charlottesville, VA | 1 | $ 445,000 | $ 445,000 | $ 177,000 |
| Cheyenne, WY | 1 | $ 505,000 | $ 505,000 | $ 116,000 |
| Coeur D'Alene, ID | 1 | $ 365,000 | $ 365,000 | $ 200,000 |
| College Station-Bryan, TX | 1 | $ 465,000 | $ 465,000 | $ 331,000 |
| Corpus Christi, TX | 1 | $ 395,000 | $ 395,000 | $ 189,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Dubuque, IA | 1 | $ 315,000 | $ 315,000 | $ 147,000 |
| Elgin, IL | 1 | $ 235,000 | $ 235,000 | $ 88,000 |
| Flint, MI | 1 | $ 155,000 | $ 155,000 | $ 69,000 |
| Fort Smith, AR-OK | 1 | $ 175,000 | $ 175,000 | $ 88,000 |
| Gadsden, AL | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| Gainesville, FL | 1 | $ 735,000 | $ 735,000 | $ 223,000 |
| Grand Junction, CO | 1 | $ 725,000 | $ 725,000 | $ 534,000 |
| Great Falls, MT | 1 | $ 405,000 | $ 405,000 | $ 150,000 |
| Greenville, NC | 1 | $ 195,000 | $ 195,000 | $ 48,000 |
| Hattiesburg, MS | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 235,000 | $ 235,000 | $ 163,000 |
| Hinesville, GA | 1 | $ 215,000 | $ 215,000 | $ 124,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 305,000 | $ 305,000 | $ 81,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 345,000 | $ 345,000 | $ 374,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 275,000 | $ 275,000 | $ 188,000 |
| Las Cruces, NM | 1 | $ 355,000 | $ 355,000 | $ 162,000 |
| Lexington-Fayette, KY | 1 | $ 265,000 | $ 265,000 | $ 99,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 395,000 | $ 395,000 | $ 107,000 |
| Marietta, GA | 1 | $ 285,000 | $ 285,000 | $ 66,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 395,000 | $ 395,000 | $ 372,000 |
| Memphis, TN-MS-AR | 1 | $ 285,000 | $ 285,000 | $ 85,000 |
| Michigan City-La Porte, IN | 1 | $ 255,000 | $ 255,000 | $ 47,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 185,000 | $ 185,000 | $ 81,000 |
| Niles-Benton Harbor, MI | 1 | $ 325,000 | $ 325,000 | $ 66,000 |
| Panama City, FL | 1 | $ 205,000 | $ 205,000 | $ 134,000 |
| Peoria, IL | 1 | $ 45,000 | $ 45,000 | $ 20,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 285,000 | $ 285,000 | $ 75,000 |
| Port St. Lucie, FL | 1 | $ 335,000 | $ 335,000 | $ 184,000 |
| Salem, OR | 1 | $ 485,000 | $ 485,000 | $ 120,000 |
| San Antonio-New Braunfels, TX | 1 | $ 605,000 | $ 605,000 | $ 156,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 675,000 | $ 675,000 | $ 115,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 855,000 | $ 855,000 | $ 318,000 |
| Sebastian-Vero Beach, FL | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Stockton-Lodi, CA | 1 | $ 785,000 | $ 785,000 | $ 222,000 |
| Sumter, SC | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
| Tacoma-Lakewood, WA | 1 | $ 565,000 | $ 565,000 | $ 167,000 |
| Wenatchee, WA | 1 | $ 2,605,000 | $ 2,605,000 | $ 6,935,000 |
| Winston-Salem, NC | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
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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