Bell Bank Mortgage Rates, Fees & Info

Fargo, ND

LEI: 549300WYBPIWKK6SQC06

Tax ID: 45-0283315

5 stars - Updated: 4/17/25 - out of 5 stars, based on 104 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • Loan to Value Info
  • Debt-to-Income
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  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Bell Bank is a mid-sized bank specializing in Home Purchase loans. Bell Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Minneapolis, Phoenix, Fargo, Kansas City, and Madison among others. We have data for 233 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bell Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bell Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 7.74% 4/17/25
    30 Year Conventional Purchase 7.03% 4/17/25
    30 Year Conventional Refi 6.92% 4/17/25
    30 Year Cash-out Refi 7.24% 4/17/25
    30 Year FHA Purchase 7.27% 4/17/25
    30 Year FHA Refi 7.15% 4/17/25
    30 Year VA Purchase 6.44% 4/17/25
    30 Year VA Refi 6.29% 4/17/25
    30 Year USDA Purchase 6.94% 4/17/25
    30 Year USDA Refi 6.72% 4/17/25
    15 Year Conventional Purchase 5.45% 4/17/25
    15 Year Conventional Refi 6.80% 4/17/25
    15 Year Cash-out Refi 6.80% 4/17/25
    15 Year FHA Purchase 6.00% 4/17/25
    15 Year VA Purchase 5.07% 4/17/25
    15 Year VA Refi 5.62% 4/17/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Bell Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Bell Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    10,872

    Origination Dollar Volume (All Markets)

    $3,264,180,000
    Show all (16) awards

    Relative Rate

    Bell Bank's average 30 year fixed mortgage rate was 6.43%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of -0.12%.

    Relative Fees (Closing Costs)

    Bell Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $6,280.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    Top Markets

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    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4,952 $1,497,940,000 $302,492 $5,930 6.57%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1,117 $408,075,000 $365,331 $7,306 7.04%
    FARGO, ND-MN (FHA|USDA|VA) 703 $127,895,000 $181,927 $3,402 6.90%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 327 $106,115,000 $324,511 $4,575 6.54%
    Outside of Metro Areas 445 $104,255,000 $234,281 $5,127 7.04%
    MADISON, WI (FHA|USDA|VA) 268 $102,300,000 $381,716 $5,385 6.51%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 194 $53,120,000 $273,814 $3,861 6.91%
    ROCHESTER, MN (FHA|USDA|VA) 230 $51,630,000 $224,478 $6,169 6.24%
    BOISE CITY, ID (FHA|USDA|VA) 5 $50,975,000 $10,195,000 $6,423 6.10%
    DULUTH, MN-WI (FHA|USDA|VA) 209 $50,305,000 $240,694 $4,644 6.97%
    ALBUQUERQUE, NM (FHA|USDA|VA) 115 $37,745,000 $328,217 $6,446 6.15%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 133 $35,265,000 $265,150 $4,775 6.50%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 60 $30,200,000 $503,333 $9,365 6.36%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 79 $28,425,000 $359,810 $6,118 6.41%
    Fergus Falls, MN (FHA|USDA|VA) 150 $27,040,000 $180,267 $3,122 7.55%
    Clovis, NM (FHA|USDA|VA) 178 $24,250,000 $136,236 $5,439 5.34%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 65 $24,155,000 $371,615 $7,460 6.86%
    Alexandria, MN (FHA|USDA|VA) 119 $23,235,000 $195,252 $4,089 7.30%
    COLUMBIA, MO (FHA|USDA|VA) 73 $22,725,000 $311,301 $5,734 6.38%
    SANTA FE, NM (FHA|USDA|VA) 48 $19,270,000 $401,458 $4,962 6.80%
    JACKSONVILLE, FL (FHA|USDA|VA) 40 $18,970,000 $474,250 $9,774 6.60%
    Brainerd, MN (FHA|USDA|VA) 52 $18,330,000 $352,500 $7,305 6.65%
    Red Wing, MN (FHA|USDA|VA) 71 $16,055,000 $226,127 $5,754 6.52%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 38 $14,260,000 $375,263 $7,154 6.49%
    LAWRENCE, KS (FHA|USDA|VA) 47 $13,035,000 $277,340 $4,531 6.55%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 29 $13,015,000 $448,793 $8,295 6.99%
    ST. CLOUD, MN (FHA|USDA|VA) 59 $12,995,000 $220,254 $4,394 6.31%
    BILLINGS, MT (FHA|USDA|VA) 2 $12,160,000 $6,080,000 $8,993 7.13%
    FORT COLLINS, CO (FHA|USDA|VA) 19 $8,835,000 $465,000 $5,624 6.77%
    Faribault-Northfield, MN (FHA|USDA|VA) 35 $8,685,000 $248,143 $5,379 6.82%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 33 $8,635,000 $261,667 $7,913 6.65%
    FLAGSTAFF, AZ (FHA|USDA|VA) 13 $8,395,000 $645,769 $6,729 7.41%
    Show Low, AZ (FHA|USDA|VA) 18 $8,340,000 $463,333 $7,631 7.12%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 49 $8,285,000 $169,082 $4,716 4.86%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 12 $7,940,000 $661,667 $5,870 6.78%
    Wahpeton, ND-MN (FHA|USDA|VA) 63 $7,905,000 $125,476 $2,503 7.39%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 20 $7,720,000 $386,000 $6,054 5.99%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 12 $7,080,000 $590,000 $6,868 6.71%
    Winona, MN (FHA|USDA|VA) 42 $6,990,000 $166,429 $4,842 5.44%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 20 $6,970,000 $348,500 $7,641 6.48%
    Baraboo, WI (FHA|USDA|VA) 19 $6,285,000 $330,789 $6,437 6.39%
    SHEBOYGAN, WI (FHA|USDA|VA) 27 $6,245,000 $231,296 $4,039 6.85%
    Austin, MN (FHA|USDA|VA) 35 $5,985,000 $171,000 $5,825 5.58%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 17 $5,685,000 $334,412 $6,968 7.04%
    TOPEKA, KS (FHA|USDA|VA) 24 $5,510,000 $229,583 $3,980 6.83%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 8 $5,150,000 $643,750 $14,081 7.01%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 9 $4,575,000 $508,333 $9,842 7.23%
    Hutchinson, MN (FHA|USDA|VA) 19 $4,255,000 $223,947 $5,788 6.83%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 8 $3,860,000 $482,500 $7,458 6.47%
    Whitewater, WI (FHA|USDA|VA) 11 $3,695,000 $335,909 $4,046 7.49%
    TUCSON, AZ (FHA|USDA|VA) 14 $3,440,000 $245,714 $4,748 7.21%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 8 $3,410,000 $426,250 $6,496 6.73%
    TALLAHASSEE, FL (FHA|USDA|VA) 12 $3,220,000 $268,333 $5,711 6.29%
    FOND DU LAC, WI (FHA|USDA|VA) 15 $3,205,000 $213,667 $4,665 7.33%
    MANKATO, MN (FHA|USDA|VA) 10 $3,150,000 $315,000 $5,088 6.60%
    BISMARCK, ND (FHA|USDA|VA) 11 $3,105,000 $282,273 $4,738 5.04%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 5 $3,095,000 $619,000 $10,639 7.00%
    GREELEY, CO (FHA|USDA|VA) 6 $2,780,000 $463,333 $7,183 7.06%
    EAU CLAIRE, WI (FHA|USDA|VA) 9 $2,765,000 $307,222 $5,655 6.68%
    Owatonna, MN (FHA|USDA|VA) 16 $2,690,000 $168,125 $3,704 6.53%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 5 $2,655,000 $531,000 $9,390 7.10%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 8 $2,640,000 $330,000 $7,268 6.95%
    RACINE, WI (FHA|USDA|VA) 10 $2,630,000 $263,000 $3,629 6.67%
    Payson, AZ (FHA|USDA|VA) 7 $2,605,000 $372,143 $8,654 7.37%
    WENATCHEE, WA (FHA|USDA|VA) 1 $2,605,000 $2,605,000 $17,130 6.88%
    Grand Rapids, MN (FHA|USDA|VA) 14 $2,540,000 $181,429 $5,945 5.67%
    JEFFERSON CITY, MO (FHA|USDA|VA) 11 $2,535,000 $230,455 $4,106 5.18%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 3 $2,525,000 $841,667 $7,974 6.79%
    Portales, NM (FHA|USDA|VA) 31 $2,485,000 $80,161 $5,224 5.30%
    Beaver Dam, WI (FHA|USDA|VA) 12 $2,330,000 $194,167 $3,410 6.95%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 4 $2,330,000 $582,500 $11,343 6.88%
    Watertown, SD (FHA|USDA|VA) 1 $2,265,000 $2,265,000 $0 8.00%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $2,185,000 $728,333 $10,526 6.37%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 3 $2,165,000 $721,667 $7,262 7.08%
    PUNTA GORDA, FL (FHA|USDA|VA) 7 $2,165,000 $309,286 $4,437 5.77%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 6 $2,010,000 $335,000 $6,526 6.96%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $1,995,000 $399,000 $12,281 6.40%
    GREEN BAY, WI (FHA|USDA|VA) 8 $1,890,000 $236,250 $5,082 7.37%
    BOULDER, CO (FHA|USDA|VA) 3 $1,835,000 $611,667 $6,671 6.62%
    Willmar, MN (FHA|USDA|VA) 5 $1,815,000 $363,000 $6,791 7.10%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 3 $1,815,000 $605,000 $3,576 7.41%
    SIOUX FALLS, SD (FHA|USDA|VA) 5 $1,795,000 $359,000 $8,108 7.58%
    OCALA, FL (FHA|USDA|VA) 6 $1,730,000 $288,333 $6,823 6.46%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 9 $1,705,000 $189,444 $4,067 6.87%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 5 $1,685,000 $337,000 $3,974 6.82%
    WICHITA, KS (FHA|USDA|VA) 7 $1,645,000 $235,000 $5,976 6.52%
    KNOXVILLE, TN (FHA|USDA|VA) 6 $1,600,000 $266,667 $6,612 7.10%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 4 $1,590,000 $397,500 $2,944 7.15%
    Menomonie, WI (FHA|USDA|VA) 6 $1,500,000 $250,000 $5,323 6.50%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $1,470,000 $735,000 $11,257 6.93%
    APPLETON, WI (FHA|USDA|VA) 4 $1,470,000 $367,500 $5,339 7.34%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $1,445,000 $1,445,000 $18,727 7.25%
    Edwards, CO (FHA|USDA|VA) 1 $1,445,000 $1,445,000 $3,881 7.13%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $1,430,000 $715,000 $8,304 6.50%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $1,420,000 $710,000 $4,860 6.94%
    Bemidji, MN (FHA|USDA|VA) 6 $1,390,000 $231,667 $7,024 5.83%
    Morehead City, NC (FHA|USDA|VA) 1 $1,375,000 $1,375,000 $5,427 7.50%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 7 $1,375,000 $196,429 $5,323 5.59%
    Lewisburg, TN (FHA|USDA|VA) 3 $1,355,000 $451,667 $7,988 7.25%
    Los Alamos, NM (FHA|USDA|VA) 3 $1,335,000 $445,000 $8,357 6.83%
    MORRISTOWN, TN (FHA|USDA|VA) 3 $1,305,000 $435,000 $10,960 7.37%
    Española, NM (FHA|USDA|VA) 3 $1,255,000 $418,333 $2,878 7.13%
    RAPID CITY, SD (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $0 8.50%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $1,180,000 $590,000 $6,246 6.94%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 3 $1,175,000 $391,667 $11,767 6.92%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $1,165,000 $388,333 $9,215 6.42%
    PUEBLO, CO (FHA|USDA|VA) 3 $1,135,000 $378,333 $8,637 6.54%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $1,125,000 $375,000 $6,342 6.08%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $1,120,000 $560,000 $16,814 6.69%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $1,065,000 $355,000 $4,026 6.91%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $1,040,000 $520,000 $6,610 7.43%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $1,035,000 $345,000 $4,950 6.29%
    RALEIGH-CARY, NC (FHA|USDA|VA) 2 $1,020,000 $510,000 $4,340 6.81%
    SALINAS, CA (FHA|USDA|VA) 2 $980,000 $490,000 $10,732 7.50%
    RICHMOND, VA (FHA|USDA|VA) 2 $940,000 $470,000 $4,435 7.00%
    Iron Mountain, MI-WI (FHA|USDA|VA) 2 $930,000 $465,000 $5,248 6.63%
    BRUNSWICK, GA (FHA|USDA|VA) 2 $910,000 $455,000 $10,084 7.06%
    COLUMBIA, SC (FHA|USDA|VA) 2 $910,000 $455,000 $2,831 6.56%
    Traverse City, MI (FHA|USDA|VA) 3 $875,000 $291,667 $4,854 7.25%
    Heber, UT (FHA|USDA|VA) 1 $865,000 $865,000 $12,091 7.38%
    Sevierville, TN (FHA|USDA|VA) 2 $860,000 $430,000 $7,882 7.68%
    Athens, TN (FHA|USDA|VA) 3 $825,000 $275,000 $9,231 7.50%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $820,000 $410,000 $9,574 6.69%
    LINCOLN, NE (FHA|USDA|VA) 2 $810,000 $405,000 $4,817 7.31%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $810,000 $405,000 $2,272 6.50%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $770,000 $385,000 $6,487 6.62%
    Key West, FL (FHA|USDA|VA) 1 $765,000 $765,000 $0 6.63%
    Palatka, FL (FHA|USDA|VA) 3 $745,000 $248,333 $5,963 6.91%
    JACKSON, TN (FHA|USDA|VA) 3 $745,000 $248,333 $7,356 7.12%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $725,000 $725,000 $6,674 6.99%
    Bozeman, MT (FHA|USDA|VA) 1 $705,000 $705,000 $7,122 6.13%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 3 $695,000 $231,667 $3,669 6.83%
    Warrensburg, MO (FHA|USDA|VA) 2 $680,000 $340,000 $7,406 7.06%
    THE VILLAGES, FL (FHA|USDA|VA) 3 $675,000 $225,000 $7,677 6.21%
    Manitowoc, WI (FHA|USDA|VA) 3 $655,000 $218,333 $2,989 7.12%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $635,000 $211,667 $4,492 7.04%
    MANHATTAN, KS (FHA|USDA|VA) 4 $630,000 $157,500 $3,840 7.00%
    ASHEVILLE, NC (FHA|USDA|VA) 2 $610,000 $305,000 $11,191 6.81%
    FLORENCE, SC (FHA|USDA|VA) 2 $610,000 $305,000 $5,112 7.44%
    Lawrenceburg, TN (FHA|USDA|VA) 3 $605,000 $201,667 $4,483 6.16%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $600,000 $300,000 $5,303 6.63%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 3 $595,000 $198,333 $7,470 6.50%
    Minot, ND (FHA|USDA|VA) 2 $590,000 $295,000 $3,895 6.81%
    ROCKFORD, IL (FHA|USDA|VA) 3 $585,000 $195,000 $6,605 6.71%
    LUBBOCK, TX (FHA|USDA|VA) 2 $540,000 $270,000 $6,429 6.31%
    Wauchula, FL (FHA|USDA|VA) 2 $540,000 $270,000 $12,489 6.25%
    LOUISVILLE, KY (FHA|USDA|VA) 2 $530,000 $265,000 $5,610 7.31%
    CHEYENNE, WY (FHA|USDA|VA) 1 $505,000 $505,000 $9,367 6.25%
    SALEM, OR (FHA|USDA|VA) 1 $485,000 $485,000 $23,034 5.75%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $475,000 $475,000 $3,991 7.50%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $465,000 $465,000 $6,026 5.99%
    Mason City, IA (FHA|USDA|VA) 1 $465,000 $465,000 $6,456 6.13%
    Hutchinson, KS (FHA|USDA|VA) 2 $460,000 $230,000 $7,819 6.52%
    TULSA, OK (FHA|USDA|VA) 2 $460,000 $230,000 $6,242 6.81%
    McMinnville, TN (FHA|USDA|VA) 1 $455,000 $455,000 $9,378 7.38%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $440,000 $220,000 $6,974 6.56%
    Clinton, IA (FHA|USDA|VA) 1 $435,000 $435,000 $3,374 5.75%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $435,000 $435,000 $7,482 6.38%
    Albert Lea, MN (FHA|USDA|VA) 3 $425,000 $141,667 $4,851 4.33%
    Pittsburg, KS (FHA|USDA|VA) 2 $420,000 $210,000 $3,985 6.75%
    Okeechobee, FL (FHA|USDA|VA) 3 $415,000 $138,333 $3,712 4.04%
    Brookings, SD (FHA|USDA|VA) 1 $415,000 $415,000 $4,103 6.99%
    Alice, TX (FHA|USDA|VA) 1 $415,000 $415,000 $3,004 5.63%
    Silver City, NM (FHA|USDA|VA) 1 $415,000 $415,000 $2,705 6.99%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $410,000 $205,000 $4,651 6.81%
    GREAT FALLS, MT (FHA|USDA|VA) 1 $405,000 $405,000 $2,900 6.13%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $405,000 $405,000 $5,194 6.99%
    Newport, TN (FHA|USDA|VA) 1 $405,000 $405,000 $7,333 7.24%
    Cookeville, TN (FHA|USDA|VA) 1 $405,000 $405,000 $0 8.50%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $395,000 $395,000 $12,540 6.25%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $395,000 $395,000 $7,588 6.88%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $385,000 $385,000 $7,063 7.63%
    Dayton, TN (FHA|USDA|VA) 1 $375,000 $375,000 $11,002 6.88%
    Nogales, AZ (FHA|USDA|VA) 2 $370,000 $185,000 $4,055 6.63%
    Outside of Metro Areas 1 $365,000 $365,000 $3,395 6.13%
    Jamestown, ND (FHA|USDA|VA) 1 $365,000 $365,000 $9,528 5.88%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $360,000 $180,000 $6,007 7.29%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $360,000 $180,000 $5,507 6.94%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $355,000 $355,000 $12,120 6.25%
    Kalispell, MT (FHA|USDA|VA) 1 $355,000 $355,000 $3,477 7.13%
    Platteville, WI (FHA|USDA|VA) 4 $350,000 $87,500 $1,920 7.47%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $335,000 $335,000 $0 6.88%
    Laurel, MS (FHA|USDA|VA) 1 $335,000 $335,000 $8,339 6.88%
    New Ulm, MN (FHA|USDA|VA) 2 $330,000 $165,000 $5,372 6.44%
    NILES, MI (FHA|USDA|VA) 1 $325,000 $325,000 $12,455 6.13%
    Ottawa, IL (FHA|USDA|VA) 1 $325,000 $325,000 $2,358 5.50%
    DUBUQUE, IA (FHA|USDA|VA) 1 $315,000 $315,000 $6,233 6.13%
    Ottawa, KS (FHA|USDA|VA) 1 $315,000 $315,000 $2,628 6.13%
    YUMA, AZ (FHA|USDA|VA) 1 $315,000 $315,000 $5,029 6.63%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $315,000 $315,000 $7,403 6.63%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $305,000 $305,000 $3,601 6.63%
    Sedalia, MO (FHA|USDA|VA) 1 $305,000 $305,000 $7,799 5.75%
    Houghton, MI (FHA|USDA|VA) 1 $305,000 $305,000 $9,906 6.38%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $305,000 $305,000 $2,373 6.50%
    Fort Leonard Wood, MO (FHA|USDA|VA) 1 $295,000 $295,000 $2,419 6.13%
    SPRINGFIELD, MO (FHA|USDA|VA) 2 $290,000 $145,000 $5,707 6.31%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $285,000 $285,000 $10,213 6.25%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $275,000 $275,000 $8,674 6.00%
    Aberdeen, SD (FHA|USDA|VA) 1 $275,000 $275,000 $4,588 6.63%
    SAVANNAH, GA (FHA|USDA|VA) 1 $275,000 $275,000 $7,471 6.50%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $265,000 $265,000 $4,330 6.99%
    Williston, ND (FHA|USDA|VA) 1 $265,000 $265,000 $6,199 6.49%
    VALLEJO, CA (FHA|USDA|VA) 1 $265,000 $265,000 $5,089 7.38%
    Shelbyville, TN (FHA|USDA|VA) 1 $265,000 $265,000 $6,851 6.50%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $255,000 $255,000 $11,210 6.13%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $255,000 $255,000 $13,333 6.13%
    Moberly, MO (FHA|USDA|VA) 1 $235,000 $235,000 $7,429 6.13%
    Lake City, FL (FHA|USDA|VA) 1 $235,000 $235,000 $4,094 7.63%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $235,000 $235,000 $4,882 7.13%
    Clewiston, FL (FHA|USDA|VA) 2 $230,000 $115,000 $0 3.25%
    SUMTER, SC (FHA|USDA|VA) 1 $225,000 $225,000 $7,580 6.38%
    Salina, KS (FHA|USDA|VA) 2 $210,000 $105,000 $5,021 6.45%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $205,000 $205,000 $0 8.25%
    Vidalia, GA (FHA|USDA|VA) 1 $205,000 $205,000 $7,414 5.88%
    Winfield, KS (FHA|USDA|VA) 1 $205,000 $205,000 $0 8.25%
    GREENVILLE, NC (FHA|USDA|VA) 1 $195,000 $195,000 $6,262 6.63%
    Mexico, MO (FHA|USDA|VA) 1 $195,000 $195,000 $4,588 6.13%
    Greeneville, TN (FHA|USDA|VA) 1 $195,000 $195,000 $7,710 6.88%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $195,000 $195,000 $2,334 6.99%
    Arcadia, FL (FHA|USDA|VA) 1 $185,000 $185,000 $6,705 7.25%
    Carroll, IA (FHA|USDA|VA) 1 $185,000 $185,000 $5,901 6.88%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $185,000 $185,000 $6,709 6.13%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $175,000 $175,000 $6,877 6.75%
    Safford, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $3,727 7.63%
    FLINT, MI (FHA|USDA|VA) 1 $155,000 $155,000 $4,029 7.38%
    Storm Lake, IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,638 6.99%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $155,000 $155,000 $0 9.25%
    Hobbs, NM (FHA|USDA|VA) 1 $145,000 $145,000 $5,270 5.75%
    Brevard, NC (FHA|USDA|VA) 1 $135,000 $135,000 $4,028 6.88%
    Sterling, IL (FHA|USDA|VA) 1 $115,000 $115,000 $4,451 7.13%
    Cornelia, GA (FHA|USDA|VA) 1 $105,000 $105,000 $3,152 6.49%
    Quincy, IL-MO (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.63%
    PEORIA, IL (FHA|USDA|VA) 1 $45,000 $45,000 $4,075 5.63%
    Bell Bank's top markets include Minneapolis, Phoenix, Fargo, Kansas City, and Madison among others.

    Their top states include:
  • Minnesota (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • North Dakota (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 8,446 $2,671,900,000 $316,351 $5,356 6.39%
    HELOC 1,363 $247,805,000 $181,809 n/a 8.57%
    FHA 638 $187,400,000 $293,730 $11,667 6.41%
    VA 391 $149,295,000 $381,829 $6,848 6.16%
    USDA 34 $7,780,000 $228,824 $7,399 6.38%

    For 2024, Bell Bank's most frequently originated type of loan was Conventional, with 8,446 originations. Their 2nd most popular type was HELOC, with 1,363 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 8,411 $2,775,025,000 $329,928 $6,268 6.23%
    Home Improvement 859 $106,165,000 $123,591 $360 8.62%
    Other 732 $122,470,000 $167,309 $836 8.55%
    Refi 659 $199,595,000 $302,876 $4,450 7.31%
    Cash Out Refi 211 $60,925,000 $288,744 $6,192 6.80%

    For 2024, Bell Bank's most frequently cited loan purpose was Home Purchase, with 8,411 originations. The 2nd most popular reason was Home Improvement, with 859 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 7,865 $2,687,815,000 $341,744 $6,280 6.43%
    10 Year 1,637 $247,785,000 $151,365 $839 8.17%
    20 Year 514 $79,170,000 $154,027 $1,949 6.28%
    15 Year 337 $65,735,000 $195,059 $3,297 6.52%
    Other 195 $23,185,000 $118,897 $845 4.92%
    30+ year 175 $82,245,000 $469,971 $9,294 7.16%
    5 Year 138 $71,970,000 $521,522 $152 4.91%
    1 Year 9 $6,265,000 $696,111 $0 8.47%
    3 Year 2 $10,000 $5,000 $0 0.00%

    For 2024, Bell Bank's most frequently cited loan duration was 30 Year, with 7,865 originations. The 2nd most popular length was 10 Year, with 1,637 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,698 $983,720,000 $364,611
    $<1k 1,325 $199,315,000 $150,426
    $2k-3k 1,302 $397,960,000 $305,653
    $5k+ 1,300 $610,450,000 $469,577
    $3k-4k 1,194 $375,240,000 $314,271
    $4k-5k 848 $303,250,000 $357,606

    Bell Bank's average total fees were $6,280, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,698 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 5,275 $1,912,485,000 $362,556
    7-8% 2,253 $764,605,000 $339,372
    Over 8% 1,678 $244,610,000 $145,775
    5-6% 1,006 $317,250,000 $315,358
    <2.5% 623 $12,255,000 $19,671
    4-5% 27 $10,445,000 $386,852
    2.5-3% 6 $1,690,000 $281,667
    3-4% 4 $840,000 $210,000

    During 2024, Bell Bank's average interest rate for loans was 6.43%, while their most frequently originated rate bucket for loans was 6-7%, with 5,275 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 4,606 $1,360,830,000 $295,447 $5,999 6.79%
    $100,000 or less 2,014 $77,560,000 $38,510 $780 5.69%
    $400k-600k 1,772 $845,150,000 $476,947 $7,163 6.80%
    $100k-200k 1,680 $257,310,000 $153,161 $4,121 7.18%
    $600k-1MM 678 $481,580,000 $710,295 $8,080 6.83%
    $1MM+ 122 $241,750,000 $1,981,557 $10,625 7.09%

    2024 saw Bell Bank place emphasis on $200k-400k loans with 4,606 originations, totaling $1,360,830,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,573 $735,815,000 $285,976 $5,842 6.93%
    $150k-250k 2,323 $855,915,000 $368,452 $6,129 7.18%
    $75k-100k 1,868 $432,370,000 $231,461 $5,699 6.36%
    $50k-75k 1,863 $309,005,000 $165,864 $5,005 5.63%
    $250k+ 1,353 $726,495,000 $536,951 $6,948 7.28%
    $50k or less 610 $63,090,000 $103,426 $4,077 5.56%

    Bell Bank lent most frequently to those with incomes in the $100k-150k range, with 2,573 originations. The second most popular income band? $150k-250k, with 2,323 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 1,815 $523,385,000 $288,366 $5,379 6.80%
    20-30% 1,703 $495,615,000 $291,025 $5,163 7.05%
    49% 675 $203,975,000 $302,185 $6,775 5.96%
    44% 559 $160,175,000 $286,538 $5,772 6.32%
    46% 547 $154,035,000 $281,600 $5,957 6.81%
    <20% 508 $141,830,000 $279,193 $4,815 7.34%
    43% 504 $144,740,000 $287,183 $5,613 6.24%
    45% 469 $135,555,000 $289,030 $5,931 6.45%
    41% 469 $132,845,000 $283,252 $5,530 6.66%
    42% 454 $135,930,000 $299,405 $5,617 6.49%
    40% 438 $136,030,000 $310,571 $5,895 6.62%
    48% 429 $127,335,000 $296,818 $6,324 5.92%
    37% 400 $119,250,000 $298,125 $5,934 6.71%
    39% 399 $117,075,000 $293,421 $5,769 6.77%
    36% 384 $114,760,000 $298,854 $5,372 6.52%
    38% 357 $105,215,000 $294,720 $5,523 6.78%
    47% 354 $116,780,000 $329,887 $7,035 5.99%
    50-60% 219 $77,695,000 $354,772 $10,454 6.18%
    >60% 4 $950,000 $237,500 $7,669 6.91%

    Bell Bank lent most frequently to those with DTI ratios of 30-36%, with 1,815 originations. The next most common DTI ratio? 20-30%, with 1,703 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 8,458 $2,508,000,000 $296,524 $5,735 6.75%
    Not provided 1,164 $355,650,000 $305,541 $5,763 6.68%
    Asian 448 $131,710,000 $293,996 $6,604 6.09%
    Not applicable 162 $115,240,000 $711,358 $160 8.42%
    Black 482 $103,810,000 $215,373 $6,811 4.95%
    Asian Indian 43 $21,635,000 $503,140 $5,853 7.01%
    American Indian 76 $17,830,000 $234,605 $6,312 6.16%
    Vietnamese 6 $2,480,000 $413,333 $5,509 6.73%
    Japanese 4 $1,530,000 $382,500 $5,994 6.81%
    Chinese 7 $1,365,000 $195,000 $2,155 5.53%
    Native Hawaiian or Islander 5 $1,315,000 $263,000 $5,858 5.43%
    Filipino 6 $1,260,000 $210,000 $2,321 6.83%
    Korean 5 $1,195,000 $239,000 $2,493 8.00%
    Other Asian 5 $1,095,000 $219,000 $6,747 7.70%
    Guamanian 1 $65,000 $65,000 $0 8.50%

    Approval Rates

    Total approvals of all applications
    94.21%

    Bell Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.42%

    Bell Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 485 $7,865,000 $16,216
    165.0 1 $25,000 $25,000
    NA 10,386 $3,256,290,000 $313,527

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    10,872 $3,264,180,000 $300,237

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 927 $175,955,000 $189,811 $3,136 7.87%
    40-60% 843 $312,265,000 $370,421 $5,081 6.95%
    60-80% 2,309 $907,445,000 $393,003 $6,053 6.82%
    80-100% 4,855 $1,750,785,000 $360,615 $6,589 6.70%
    Over 100% 69 $28,295,000 $410,072 $13,774 6.33%
    Under 20% 1,867 $89,155,000 $47,753 $462 5.61%