Bell Bank Mortgage Rates, Fees & Info
Fargo, NDLEI: 549300WYBPIWKK6SQC06
Tax ID: 45-0283315
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Mortgage Data
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, Rochester, and Kansas City among others. We have data for 217 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 an average 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 relatively high 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 11/17/24 |
| 30 Year Conventional Purchase | 6.63% | 11/17/24 |
| 30 Year Conventional Refi | 6.53% | 11/17/24 |
| 30 Year Cash-out Refi | 6.74% | 11/17/24 |
| 30 Year FHA Purchase | 7.39% | 11/17/24 |
| 30 Year FHA Refi | 7.44% | 11/17/24 |
| 30 Year VA Purchase | 6.26% | 11/17/24 |
| 30 Year VA Refi | 6.04% | 11/17/24 |
| 30 Year USDA Purchase | 6.65% | 11/17/24 |
| 15 Year Conventional Purchase | 6.07% | 11/17/24 |
| 15 Year Conventional Refi | 5.93% | 11/17/24 |
| 15 Year Cash-out Refi | 5.93% | 11/17/24 |
| 15 Year VA Refi | 5.73% | 11/17/24 |
| 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
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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
9,877Origination Dollar Volume (All Markets)
$3,146,205,000Awards
Bell Bank - 2023
Bell Bank is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Bell Bank's average 30 year fixed mortgage rate was
6.76%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.28%.
Relative Fees (Closing Costs)
Bell Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,612.
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 $9,089.
Top Markets
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) | 4,520 | $1,426,960,000 | $315,699 | $6,185 | 7.05% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1,137 | $435,485,000 | $383,012 | $7,291 | 7.36% |
| FARGO, ND-MN (FHA|USDA|VA) | 635 | $115,755,000 | $182,291 | $2,900 | 7.36% |
| ROCHESTER, MN (FHA|USDA|VA) | 213 | $90,125,000 | $423,122 | $5,774 | 6.91% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 262 | $89,140,000 | $340,229 | $5,427 | 6.82% |
| Outside of Metro Areas | 388 | $88,050,000 | $226,933 | $4,504 | 7.31% |
| MADISON, WI (FHA|USDA|VA) | 203 | $69,775,000 | $343,719 | $5,276 | 6.46% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 220 | $60,980,000 | $277,182 | $4,186 | 6.93% |
| DULUTH, MN-WI (FHA|USDA|VA) | 170 | $59,760,000 | $351,529 | $4,312 | 7.36% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 106 | $46,750,000 | $441,038 | $10,393 | 6.46% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 78 | $41,550,000 | $532,692 | $11,090 | 6.81% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 88 | $34,580,000 | $392,955 | $6,225 | 6.91% |
| Fergus Falls, MN (FHA|USDA|VA) | 154 | $30,090,000 | $195,390 | $3,289 | 7.58% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 85 | $29,525,000 | $347,353 | $5,739 | 6.83% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 103 | $25,825,000 | $250,728 | $4,250 | 7.03% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 38 | $19,000,000 | $500,000 | $6,168 | 7.02% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 34 | $18,260,000 | $537,059 | $6,958 | 7.10% |
| COLUMBIA, MO (FHA|USDA|VA) | 54 | $18,050,000 | $334,259 | $5,369 | 6.80% |
| Alexandria, MN (FHA|USDA|VA) | 87 | $17,635,000 | $202,701 | $4,212 | 7.33% |
| SANTA FE, NM (FHA|USDA|VA) | 37 | $17,555,000 | $474,459 | $6,464 | 6.85% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 38 | $17,380,000 | $457,368 | $9,239 | 6.88% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 34 | $16,350,000 | $480,882 | $8,839 | 7.06% |
| Brainerd, MN (FHA|USDA|VA) | 43 | $15,335,000 | $356,628 | $6,450 | 7.23% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 51 | $13,705,000 | $268,725 | $5,928 | 6.90% |
| ST. CLOUD, MN (FHA|USDA|VA) | 50 | $13,560,000 | $271,200 | $5,952 | 7.07% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 52 | $11,830,000 | $227,500 | $6,127 | 6.78% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 13 | $11,125,000 | $855,769 | $8,511 | 7.10% |
| Clovis, NM (FHA|USDA|VA) | 64 | $10,800,000 | $168,750 | $5,769 | 6.39% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 18 | $9,760,000 | $542,222 | $7,385 | 6.88% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 12 | $8,930,000 | $744,167 | $16,284 | 7.45% |
| Red Wing, MN (FHA|USDA|VA) | 33 | $8,715,000 | $264,091 | $7,325 | 6.98% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 31 | $8,285,000 | $267,258 | $7,861 | 6.39% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 35 | $8,015,000 | $229,000 | $4,096 | 6.91% |
| TUCSON, AZ (FHA|USDA|VA) | 15 | $7,415,000 | $494,333 | $6,228 | 7.10% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 20 | $7,360,000 | $368,000 | $8,382 | 6.94% |
| Wahpeton, ND-MN (FHA|USDA|VA) | 66 | $7,100,000 | $107,576 | $1,546 | 7.46% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 14 | $7,070,000 | $505,000 | $8,824 | 6.28% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 24 | $6,380,000 | $265,833 | $7,174 | 6.93% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 15 | $6,125,000 | $408,333 | $6,898 | 7.07% |
| Austin, MN (FHA|USDA|VA) | 30 | $5,740,000 | $191,333 | $5,914 | 7.00% |
| Show Low, AZ (FHA|USDA|VA) | 13 | $5,585,000 | $429,615 | $7,566 | 6.85% |
| Whitewater, WI (FHA|USDA|VA) | 19 | $5,425,000 | $285,526 | $3,436 | 6.85% |
| FORT COLLINS, CO (FHA|USDA|VA) | 12 | $5,310,000 | $442,500 | $7,017 | 6.89% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $4,885,000 | $1,628,333 | $7,103 | 7.66% |
| Los Alamos, NM (FHA|USDA|VA) | 9 | $4,775,000 | $530,556 | $11,908 | 6.33% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 16 | $4,670,000 | $291,875 | $9,096 | 6.81% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $4,535,000 | $1,511,667 | $6,315 | 6.63% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3 | $4,435,000 | $1,478,333 | $19,883 | 6.42% |
| Hutchinson, MN (FHA|USDA|VA) | 18 | $4,260,000 | $236,667 | $4,864 | 7.02% |
| Baraboo, WI (FHA|USDA|VA) | 15 | $4,125,000 | $275,000 | $7,133 | 6.84% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 11 | $3,565,000 | $324,091 | $5,083 | 6.81% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 8 | $3,560,000 | $445,000 | $5,090 | 6.67% |
| RACINE, WI (FHA|USDA|VA) | 14 | $3,420,000 | $244,286 | $3,590 | 6.83% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 11 | $3,375,000 | $306,818 | $4,796 | 6.66% |
| Winona, MN (FHA|USDA|VA) | 18 | $3,340,000 | $185,556 | $4,079 | 7.12% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 8 | $3,330,000 | $416,250 | $11,097 | 6.62% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 13 | $3,315,000 | $255,000 | $5,249 | 7.10% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 5 | $3,305,000 | $661,000 | $6,884 | 7.22% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 7 | $3,175,000 | $453,571 | $7,426 | 6.57% |
| TOPEKA, KS (FHA|USDA|VA) | 16 | $3,140,000 | $196,250 | $4,904 | 7.16% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 6 | $3,060,000 | $510,000 | $8,806 | 6.73% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 7 | $3,035,000 | $433,571 | $8,524 | 7.16% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $0 | 8.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 4 | $2,990,000 | $747,500 | $8,359 | 7.44% |
| LAWRENCE, KS (FHA|USDA|VA) | 11 | $2,925,000 | $265,909 | $6,085 | 7.34% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 9 | $2,655,000 | $295,000 | $8,963 | 6.26% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 4 | $2,470,000 | $617,500 | $9,301 | 7.15% |
| Portales, NM (FHA|USDA|VA) | 12 | $2,440,000 | $203,333 | $6,849 | 6.48% |
| MANKATO, MN (FHA|USDA|VA) | 10 | $2,330,000 | $233,000 | $5,614 | 7.09% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 7 | $2,265,000 | $323,571 | $11,629 | 6.55% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $2,210,000 | $1,105,000 | $9,707 | 6.56% |
| Payson, AZ (FHA|USDA|VA) | 5 | $2,205,000 | $441,000 | $8,270 | 7.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $2,190,000 | $1,095,000 | $7,221 | 7.00% |
| GREELEY, CO (FHA|USDA|VA) | 6 | $2,080,000 | $346,667 | $6,211 | 7.01% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 7 | $2,035,000 | $290,714 | $7,684 | 7.00% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $0 | 5.75% |
| BISMARCK, ND (FHA|USDA|VA) | 4 | $1,940,000 | $485,000 | $8,766 | 5.69% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $1,865,000 | $621,667 | $7,156 | 6.67% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 6 | $1,840,000 | $306,667 | $4,644 | 6.52% |
| Watertown, SD (FHA|USDA|VA) | 4 | $1,780,000 | $445,000 | $178 | 6.51% |
| Bemidji, MN (FHA|USDA|VA) | 5 | $1,695,000 | $339,000 | $4,430 | 7.85% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $1,695,000 | $565,000 | $7,044 | 6.08% |
| FOND DU LAC, WI (FHA|USDA|VA) | 10 | $1,650,000 | $165,000 | $3,348 | 7.29% |
| Mason City, IA (FHA|USDA|VA) | 1 | $1,635,000 | $1,635,000 | $6,403 | 6.50% |
| OCALA, FL (FHA|USDA|VA) | 6 | $1,540,000 | $256,667 | $5,856 | 6.14% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $1,500,000 | $375,000 | $5,919 | 7.28% |
| Albert Lea, MN (FHA|USDA|VA) | 6 | $1,460,000 | $243,333 | $4,471 | 6.42% |
| Edwards, CO (FHA|USDA|VA) | 1 | $1,445,000 | $1,445,000 | $3,562 | 6.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $1,430,000 | $357,500 | $6,069 | 6.53% |
| Menomonie, WI (FHA|USDA|VA) | 7 | $1,415,000 | $202,143 | $6,426 | 6.73% |
| Beaver Dam, WI (FHA|USDA|VA) | 6 | $1,300,000 | $216,667 | $3,995 | 6.96% |
| Owatonna, MN (FHA|USDA|VA) | 8 | $1,300,000 | $162,500 | $4,381 | 7.44% |
| Shelbyville, TN (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $5,412 | 6.60% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $5,720 | 7.16% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $1,270,000 | $635,000 | $10,614 | 6.88% |
| Grand Rapids, MN (FHA|USDA|VA) | 6 | $1,250,000 | $208,333 | $4,698 | 7.56% |
| BILLINGS, MT (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $7,264 | 6.79% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $6,401 | 7.13% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $17,900 | 6.25% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $1,110,000 | $555,000 | $7,545 | 6.69% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $5,760 | 7.28% |
| Outside of Metro Areas | 1 | $1,035,000 | $1,035,000 | $5,092 | 7.50% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $2,978 | 7.23% |
| Taos, NM (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $6,062 | 7.09% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $4,347 | 6.50% |
| Manitowoc, WI (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $7,081 | 6.62% |
| GREEN BAY, WI (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $6,224 | 8.12% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $13,615 | 6.25% |
| Nogales, AZ (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $5,854 | 7.44% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $5,276 | 7.38% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 6 | $890,000 | $148,333 | $4,302 | 7.85% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $6,662 | 6.83% |
| Key West, FL (FHA|USDA|VA) | 1 | $875,000 | $875,000 | $3,593 | 7.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $835,000 | $835,000 | $24,155 | 5.75% |
| WICHITA, KS (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $3,803 | 7.29% |
| YUMA, AZ (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $5,425 | 7.83% |
| Okeechobee, FL (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $6,668 | 7.67% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $9,800 | 6.71% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $6,546 | 6.12% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $5,470 | 6.24% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $4,106 | 6.04% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $3,492 | 6.81% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $12,938 | 8.13% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $4,071 | 6.29% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $6,544 | 6.42% |
| Crossville, TN (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $8,034 | 8.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $9,274 | 6.50% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $3,675 | 7.12% |
| Española, NM (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $5,125 | 7.93% |
| Willmar, MN (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $7,883 | 7.13% |
| Jamestown, ND (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $0 | 8.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $5,694 | 7.56% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $3,900 | 6.99% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $8,332 | 6.81% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $16,354 | 6.88% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $7,961 | 6.49% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $10,157 | 6.56% |
| ROANOKE, VA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $5,427 | 7.50% |
| Fairmont, MN (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,218 | 6.31% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $8,783 | 6.75% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $5,787 | 6.56% |
| MADERA, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $12,656 | 5.99% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $3,957 | 6.38% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $8,612 | 6.31% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $10,816 | 6.25% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $5,180 | 6.75% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $11,925 | 6.13% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $5,526 | 7.74% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,290 | 7.50% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $9,153 | 6.13% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $11,968 | 6.75% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,926 | 6.63% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,649 | 7.13% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $14,812 | 5.75% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,744 | 6.38% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,509 | 6.99% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 8.25% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,102 | 6.88% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $10,593 | 6.25% |
| Platteville, WI (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,097 | 6.63% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,401 | 6.38% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $14,749 | 6.25% |
| Las Vegas, NM (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $11,188 | 8.38% |
| Shawano, WI (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,634 | 6.93% |
| Lawrenceburg, TN (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,281 | 7.63% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,178 | 6.68% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 6.35% |
| APPLETON, WI (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $3,414 | 7.62% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,295 | 5.75% |
| Atchison, KS (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,091 | 6.38% |
| Oxford, MS (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,726 | 7.25% |
| Bedford, IN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,733 | 7.25% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 7.49% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,213 | 7.49% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,038 | 6.25% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $10,847 | 6.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $14,068 | 6.75% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,665 | 7.88% |
| Russellville, AR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,641 | 6.88% |
| Sedalia, MO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,034 | 7.75% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,572 | 6.63% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,539 | 6.88% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,166 | 6.88% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,472 | 6.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,349 | 8.13% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,480 | 6.88% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,100 | 7.38% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,341 | 8.63% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 8.50% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 7.43% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $12,264 | 5.75% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,615 | 5.75% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,375 | 6.38% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,110 | 5.75% |
| FLINT, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,185 | 7.25% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,690 | 7.38% |
| Palatka, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,858 | 5.88% |
| Kinston, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,278 | 6.50% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,428 | 7.49% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,203 | 6.63% |
| Wauchula, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,435 | 6.25% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,175 | 6.99% |
| Moberly, MO (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $3,414 | 6.19% |
| Marshall, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,706 | 6.49% |
| Farmington, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,891 | 6.88% |
| Marshall, MN (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $1,520 | 8.06% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,604 | 5.88% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,446 | 6.99% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,964 | 6.50% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,710 | 7.49% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.88% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,749 | 6.25% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,962 | 5.99% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,961 | 6.63% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.49% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,514 | 7.49% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.13% |
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Product Mix
For 2023, Bell Bank's most frequently originated type of loan was Conventional, with 7,574 originations. Their 2nd most popular type was HELOC, with 1,325 originations.
Loan Reason
For 2023, Bell Bank's most frequently cited loan purpose was Home Purchase, with 7,496 originations. The 2nd most popular reason was Home Improvement, with 933 originations.
Loan Duration/Length
For 2023, Bell Bank's most frequently cited loan duration was 30 Year, with 7,086 originations. The 2nd most popular length was 10 Year, with 1,621 originations.
Origination Fees/Closing Costs
Bell Bank's average total fees were $6,612, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,337 originations.
Interest Rates
During 2023, Bell Bank's average interest rate for loans was 6.76%, while their most frequently originated rate bucket for loans was 6-7%, with 4,309 originations.
Loan Sizing
2023 saw Bell Bank place emphasis on $200k-400k loans with 4,362 originations, totaling $1,278,400,000 in origination value.
Applicant Income
Bell Bank lent most frequently to those with incomes in the $100k-150k range, with 2,328 originations. The second most popular income band? $150k-250k, with 2,058 originations.
Applicant Debt to Income Ratio
Bell Bank lent most frequently to those with DTI ratios of 30-36%, with 1,701 originations. The next most common DTI ratio? 20-30%, with 1,634 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.30%
Bell Bank has an average approval rate.
Pick Rate
Approvals leading to origination83.76%
Bell Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 9,877 | $3,146,205,000 | $318,539 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 9,877 | $3,146,205,000 | $318,539 |