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 a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Minneapolis, Phoenix, Fargo, Kansas City, and Milwaukee among others. We have data for 218 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 10/13/24 |
| 30 Year Conventional Purchase | 6.63% | 10/13/24 |
| 30 Year Conventional Refi | 6.53% | 10/13/24 |
| 30 Year Cash-out Refi | 6.74% | 10/13/24 |
| 30 Year FHA Purchase | 7.39% | 10/13/24 |
| 30 Year FHA Refi | 7.44% | 10/13/24 |
| 30 Year VA Purchase | 6.26% | 10/13/24 |
| 30 Year VA Refi | 6.04% | 10/13/24 |
| 30 Year USDA Purchase | 6.65% | 10/13/24 |
| 15 Year Conventional Purchase | 6.07% | 10/13/24 |
| 15 Year Conventional Refi | 5.93% | 10/13/24 |
| 15 Year Cash-out Refi | 5.93% | 10/13/24 |
| 15 Year VA Refi | 5.73% | 10/13/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
13,267Origination Dollar Volume (All Markets)
$4,492,525,000Awards
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Bell Bank - 2022
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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) | 6,392 | $2,087,380,000 | $326,561 | $5,634 | 4.89% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1,857 | $746,665,000 | $402,081 | $5,920 | 4.86% |
| FARGO, ND-MN (FHA|USDA|VA) | 920 | $225,020,000 | $244,587 | $2,776 | 4.65% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 441 | $153,245,000 | $347,494 | $4,538 | 5.02% |
| Outside of Metro Areas | 479 | $131,135,000 | $273,768 | $4,315 | 4.89% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 266 | $72,130,000 | $271,165 | $3,429 | 5.08% |
| ROCHESTER, MN (FHA|USDA|VA) | 273 | $70,545,000 | $258,407 | $6,035 | 4.74% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 109 | $59,255,000 | $543,624 | $7,675 | 4.77% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 112 | $51,880,000 | $463,214 | $7,852 | 5.08% |
| DULUTH, MN-WI (FHA|USDA|VA) | 166 | $51,610,000 | $310,904 | $4,302 | 4.88% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $46,210,000 | $23,105,000 | $0 | 3.88% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 11 | $44,845,000 | $4,076,818 | $8,470 | 4.94% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $42,495,000 | $42,495,000 | $0 | 3.85% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 104 | $38,540,000 | $370,577 | $5,566 | 4.70% |
| Fergus Falls, MN (FHA|USDA|VA) | 175 | $32,035,000 | $183,057 | $2,556 | 4.64% |
| TUCSON, AZ (FHA|USDA|VA) | 19 | $30,305,000 | $1,595,000 | $7,515 | 4.80% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 70 | $27,940,000 | $399,143 | $6,424 | 5.11% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 105 | $27,895,000 | $265,667 | $4,216 | 5.37% |
| Clovis, NM (FHA|USDA|VA) | 141 | $27,625,000 | $195,922 | $5,263 | 4.81% |
| Alexandria, MN (FHA|USDA|VA) | 133 | $25,515,000 | $191,842 | $4,158 | 4.68% |
| Brainerd, MN (FHA|USDA|VA) | 70 | $24,710,000 | $353,000 | $5,795 | 4.91% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 44 | $23,770,000 | $540,227 | $6,871 | 5.04% |
| SANTA FE, NM (FHA|USDA|VA) | 49 | $23,325,000 | $476,020 | $4,352 | 5.01% |
| Red Wing, MN (FHA|USDA|VA) | 100 | $22,840,000 | $228,400 | $5,632 | 5.13% |
| ST. CLOUD, MN (FHA|USDA|VA) | 72 | $17,670,000 | $245,417 | $4,669 | 5.03% |
| COLUMBIA, MO (FHA|USDA|VA) | 41 | $16,075,000 | $392,073 | $5,955 | 4.86% |
| Wahpeton, ND-MN (FHA|USDA|VA) | 107 | $14,765,000 | $137,991 | $2,279 | 4.67% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 45 | $13,235,000 | $294,111 | $5,570 | 4.92% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 35 | $13,165,000 | $376,143 | $5,884 | 4.50% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 13 | $12,055,000 | $927,308 | $9,564 | 5.08% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 6 | $11,820,000 | $1,970,000 | $3,851 | 5.06% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 52 | $11,450,000 | $220,192 | $5,695 | 4.97% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 22 | $11,220,000 | $510,000 | $7,509 | 5.15% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 18 | $10,610,000 | $589,444 | $7,645 | 4.48% |
| Show Low, AZ (FHA|USDA|VA) | 25 | $10,525,000 | $421,000 | $6,534 | 5.24% |
| MADISON, WI (FHA|USDA|VA) | 25 | $10,165,000 | $406,600 | $4,479 | 5.11% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 15 | $8,495,000 | $566,333 | $8,056 | 4.47% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 20 | $8,060,000 | $403,000 | $6,207 | 5.31% |
| Menomonie, WI (FHA|USDA|VA) | 9 | $8,005,000 | $889,444 | $6,039 | 4.34% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 10 | $7,560,000 | $756,000 | $12,370 | 5.16% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 6 | $6,390,000 | $1,065,000 | $6,038 | 4.69% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 9 | $5,855,000 | $650,556 | $3,966 | 4.99% |
| Winona, MN (FHA|USDA|VA) | 35 | $5,605,000 | $160,143 | $3,908 | 5.50% |
| Austin, MN (FHA|USDA|VA) | 32 | $5,600,000 | $175,000 | $5,075 | 5.27% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 27 | $5,575,000 | $206,481 | $5,299 | 5.58% |
| Hutchinson, MN (FHA|USDA|VA) | 22 | $5,130,000 | $233,182 | $5,314 | 4.86% |
| Kalispell, MT (FHA|USDA|VA) | 3 | $5,115,000 | $1,705,000 | $12,407 | 4.88% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 18 | $4,790,000 | $266,111 | $5,467 | 5.00% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $4,505,000 | $4,505,000 | $0 | 7.25% |
| RACINE, WI (FHA|USDA|VA) | 14 | $4,390,000 | $313,571 | $2,880 | 4.77% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 13 | $4,185,000 | $321,923 | $6,911 | 4.74% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 9 | $4,085,000 | $453,889 | $6,303 | 4.67% |
| Whitewater, WI (FHA|USDA|VA) | 10 | $3,930,000 | $393,000 | $3,471 | 5.20% |
| FOND DU LAC, WI (FHA|USDA|VA) | 19 | $3,865,000 | $203,421 | $3,547 | 4.81% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 8 | $3,790,000 | $473,750 | $8,073 | 5.87% |
| Grand Rapids, MN (FHA|USDA|VA) | 11 | $3,715,000 | $337,727 | $7,256 | 4.93% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 13 | $3,655,000 | $281,154 | $6,441 | 5.29% |
| Portales, NM (FHA|USDA|VA) | 23 | $3,605,000 | $156,739 | $5,101 | 4.93% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 5 | $3,505,000 | $701,000 | $9,538 | 5.23% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 13 | $3,015,000 | $231,923 | $8,861 | 4.57% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 11 | $2,815,000 | $255,909 | $4,721 | 5.29% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $2,800,000 | $466,667 | $8,793 | 4.83% |
| Jamestown, ND (FHA|USDA|VA) | 3 | $2,775,000 | $925,000 | $129 | 5.76% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $2,755,000 | $551,000 | $7,856 | 4.10% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 8 | $2,610,000 | $326,250 | $3,987 | 4.73% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 9 | $2,555,000 | $283,889 | $6,546 | 5.05% |
| MANKATO, MN (FHA|USDA|VA) | 12 | $2,550,000 | $212,500 | $5,394 | 4.31% |
| BOULDER, CO (FHA|USDA|VA) | 4 | $2,520,000 | $630,000 | $3,131 | 5.90% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 9 | $2,505,000 | $278,333 | $4,002 | 5.15% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 7 | $2,375,000 | $339,286 | $5,944 | 4.66% |
| Beaver Dam, WI (FHA|USDA|VA) | 12 | $2,370,000 | $197,500 | $3,229 | 4.98% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 12 | $2,370,000 | $197,500 | $3,116 | 5.75% |
| Albert Lea, MN (FHA|USDA|VA) | 9 | $2,235,000 | $248,333 | $5,014 | 4.13% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 5 | $2,225,000 | $445,000 | $6,801 | 5.63% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 8 | $2,050,000 | $256,250 | $6,581 | 4.72% |
| Huron, SD (FHA|USDA|VA) | 3 | $2,025,000 | $675,000 | $0 | 4.20% |
| Payson, AZ (FHA|USDA|VA) | 6 | $1,980,000 | $330,000 | $4,762 | 5.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $1,945,000 | $648,333 | $3,853 | 5.04% |
| Willmar, MN (FHA|USDA|VA) | 7 | $1,935,000 | $276,429 | $4,651 | 4.27% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $1,820,000 | $455,000 | $7,172 | 5.59% |
| THE VILLAGES, FL (FHA|USDA|VA) | 5 | $1,785,000 | $357,000 | $3,881 | 4.24% |
| Owatonna, MN (FHA|USDA|VA) | 8 | $1,700,000 | $212,500 | $6,105 | 5.33% |
| MANHATTAN, KS (FHA|USDA|VA) | 9 | $1,675,000 | $186,111 | $3,646 | 5.43% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 7 | $1,665,000 | $237,857 | $2,816 | 5.30% |
| BISMARCK, ND (FHA|USDA|VA) | 7 | $1,655,000 | $236,429 | $2,625 | 4.89% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $1,655,000 | $551,667 | $6,019 | 4.29% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $1,640,000 | $820,000 | $6,821 | 4.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $1,625,000 | $541,667 | $7,001 | 4.16% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 4 | $1,600,000 | $400,000 | $4,651 | 4.65% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $1,550,000 | $775,000 | $7,614 | 3.94% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 7 | $1,525,000 | $217,857 | $5,483 | 6.11% |
| Las Vegas, NM (FHA|USDA|VA) | 2 | $1,460,000 | $730,000 | $4,696 | 4.81% |
| Taos, NM (FHA|USDA|VA) | 3 | $1,455,000 | $485,000 | $9,112 | 4.58% |
| LAWRENCE, KS (FHA|USDA|VA) | 6 | $1,290,000 | $215,000 | $4,044 | 5.02% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $1,280,000 | $640,000 | $3,706 | 5.56% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $9,045 | 4.13% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 5 | $1,225,000 | $245,000 | $4,888 | 4.92% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $4,173 | 4.32% |
| Los Alamos, NM (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $5,442 | 5.18% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $5,605 | 5.50% |
| LINCOLN, NE (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $5,699 | 4.96% |
| TOPEKA, KS (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $3,474 | 5.18% |
| Montrose, CO (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $7,802 | 4.88% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $1,115,000 | $1,115,000 | $10,492 | 5.25% |
| Sevierville, TN (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $9,354 | 4.83% |
| APPLETON, WI (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $6,379 | 5.69% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $4,824 | 4.25% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $4,068 | 5.88% |
| Lewisburg, TN (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $8,695 | 5.69% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $9,706 | 4.54% |
| Baraboo, WI (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $2,671 | 5.50% |
| Atchison, KS (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $4,932 | 5.94% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $7,285 | 3.25% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $865,000 | $865,000 | $9,073 | 4.50% |
| Lawrenceburg, TN (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $3,066 | 5.13% |
| GREEN BAY, WI (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $2,952 | 5.10% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $8,621 | 4.75% |
| Española, NM (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $4,059 | 6.25% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $12,622 | 5.94% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $2,502 | 4.96% |
| Warrensburg, MO (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $5,950 | 5.96% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $7,332 | 5.44% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $12,201 | 5.50% |
| Minot, ND (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $4,508 | 3.33% |
| Sedalia, MO (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $2,843 | 5.43% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $9,472 | 4.00% |
| Branson, MO (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $6,249 | 4.25% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $3,659 | 5.38% |
| Bemidji, MN (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $5,406 | 5.13% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $8,429 | 4.56% |
| Cullman, AL (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $3,782 | 2.50% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $11,604 | 5.56% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $4,001 | 4.63% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $0 | 6.50% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $8,916 | 5.93% |
| Dickinson, ND (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $3,831 | 5.25% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $4,483 | 4.88% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $3,820 | 5.25% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,999 | 4.68% |
| Spearfish, SD (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $5,412 | 3.75% |
| Aberdeen, SD (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $4,080 | 6.38% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $7,326 | 5.75% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $6,078 | 5.25% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,540 | 6.62% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $2,792 | 4.63% |
| Manitowoc, WI (FHA|USDA|VA) | 6 | $500,000 | $83,333 | $3,078 | 5.56% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $2,877 | 3.56% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $7,597 | 5.13% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,791 | 4.56% |
| Ottawa, KS (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $2,552 | 6.74% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,405 | 5.31% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,161 | 4.56% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $13,194 | 5.75% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $15,504 | 6.25% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $3,354 | 4.41% |
| Sikeston, MO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,553 | 4.63% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,113 | 6.49% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,008 | 4.75% |
| Torrington, CT (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 4.75% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 3.00% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $7,205 | 5.13% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,141 | 6.00% |
| DALTON, GA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,316 | 4.88% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,595 | 5.38% |
| Okeechobee, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $8,341 | 5.50% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,413 | 6.25% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,912 | 2.88% |
| Shawano, WI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,456 | 5.38% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,219 | 5.44% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,289 | 4.38% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,588 | 6.13% |
| Worthington, MN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $10,340 | 5.75% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,021 | 4.49% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,923 | 3.88% |
| Garden City, KS (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,091 | 5.13% |
| Safford, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,720 | 3.75% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 6.65% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,349 | 6.50% |
| Norfolk, NE (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,847 | 4.88% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,483 | 4.63% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,563 | 3.75% |
| Brownsville, TN (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 6.13% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,181 | 5.63% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,289 | 4.50% |
| Shelton, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,767 | 5.25% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,018 | 5.13% |
| Crossville, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,233 | 4.75% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,813 | 6.49% |
| New Ulm, MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,050 | 5.25% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,023 | 3.75% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,991 | 5.00% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,101 | 6.49% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 4.99% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,810 | 4.00% |
| Fairmont, MN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,528 | 6.63% |
| Platteville, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,380 | 5.88% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,428 | 6.37% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 5.99% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 7.13% |
| OCALA, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,794 | 5.00% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,565 | 3.63% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,133 | 4.13% |
| Helena, MT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,050 | 5.25% |
| Union City, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,328 | 5.25% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 6.25% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 6.00% |
| Galesburg, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,046 | 4.13% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,843 | 6.63% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,241 | 6.88% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,758 | 5.99% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.50% |
| Effingham, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,812 | 5.25% |
| Mexico, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,533 | 6.38% |
| Kirksville, MO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,269 | 3.75% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,869 | 5.38% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.50% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 3.50% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.38% |
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Product Mix
For 2022, Bell Bank's most frequently originated type of loan was Conventional, with 10,547 originations. Their 2nd most popular type was HELOC, with 1,748 originations.
Loan Reason
For 2022, Bell Bank's most frequently cited loan purpose was Home Purchase, with 9,080 originations. The 2nd most popular reason was Home Improvement, with 1,369 originations.
Loan Duration/Length
For 2022, Bell Bank's most frequently cited loan duration was 30 Year, with 9,351 originations. The 2nd most popular length was 10 Year, with 2,189 originations.
Origination Fees/Closing Costs
Bell Bank's average total fees were $5,816, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,034 originations.
Interest Rates
During 2022, Bell Bank's average interest rate for loans was 4.95%, while their most frequently originated rate bucket for loans was 4-5%, with 4,056 originations.
Loan Sizing
2022 saw Bell Bank place emphasis on $200k-400k loans with 5,853 originations, totaling $1,695,845,000 in origination value.
Applicant Income
Bell Bank lent most frequently to those with incomes in the $100k-150k range, with 3,061 originations. The second most popular income band? $150k-250k, with 2,583 originations.
Applicant Debt to Income Ratio
Bell Bank lent most frequently to those with DTI ratios of 20-30%, with 2,697 originations. The next most common DTI ratio? 30-36%, with 2,401 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.23%
Bell Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination84.00%
Bell Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 13,267 | $4,492,525,000 | $338,624 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 13,267 | $4,492,525,000 | $338,624 |