Bell Bank: 2025 mortgage rates, costs & approvals
How Bell Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Bell Bank · LEI 549300WYBPIWKK6SQC06
In 2025, Bell Bank originated 8,187 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 36 states — 73rd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 5 basis points above the national median. Median conventional loan costs were $4,920, 12% lower than the national median ($5,570).
It denied 2.8% of completed home-purchase applications (all lenders: 8.5%).
How Bell Bank priced home-purchase loans
| Purchase loans, 2025 | Bell Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.375% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.18 pts | +0.13 pts |
| Total loan costs · conventional | $4,920 | $5,570 |
| Total loan costs · FHA | $10,570 | $11,310 |
| Total loan costs · VA | $5,490 | $6,490 |
| Origination charges (all types) | $2,090 | $1,860 |
| Borrowers paying discount points | 68.1% | 51.3% |
| Points paid, when paid (% of loan) | 0.63% | 0.87% |
| Borrowers receiving lender credits | 21.0% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Bell Bank denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Bell Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Minnesota | 4,713 | 4,889 | 1.4% | 6.625% | $5,100 |
| Wisconsin | 818 | 872 | 3.1% | 6.625% | $3,470 |
| Arizona | 698 | 752 | 3.3% | 6.625% | $5,840 |
| Missouri | 363 | 395 | 3.9% | 6.625% | $3,870 |
| Florida | 314 | 343 | 6.1% | 6.625% | $6,060 |
| Kansas | 309 | 329 | 3.3% | 6.625% | $3,360 |
| North Dakota | 295 | 311 | 2.3% | 6.250% | $3,990 |
| New Mexico | 287 | 298 | 1.8% | 6.625% | $3,960 |
| Tennessee | 168 | 216 | 19.6% | 6.875% | $8,460 |
| Illinois | 35 | 38 | 3.6% | — | — |
| Colorado | 29 | 33 | 4.3% | — | — |
| Iowa | 21 | 22 | 0.0% | — | — |
| Texas | 20 | 23 | 9.5% | — | — |
| California | 14 | 15 | — | — | — |
| Michigan | 13 | 13 | — | — | — |
| North Carolina | 12 | 15 | — | — | — |
| Georgia | 9 | 10 | — | — | — |
| South Dakota | 8 | 9 | — | — | — |
| Nebraska | 6 | 6 | — | — | — |
| Virginia | 6 | 6 | — | — | — |
| Idaho | 5 | 6 | — | — | — |
| South Carolina | 5 | 6 | — | — | — |
| Arkansas | 5 | 5 | — | — | — |
| Indiana | 5 | 5 | — | — | — |
| Washington | 5 | 5 | — | — | — |
| Oklahoma | 4 | 4 | — | — | — |
| Kentucky | 3 | 4 | — | — | — |
| Pennsylvania | 3 | 3 | — | — | — |
| Alabama | 2 | 3 | — | — | — |
| Montana | 2 | 3 | — | — | — |
| Oregon | 2 | 3 | — | — | — |
| Mississippi | 2 | 2 | — | — | — |
| Nevada | 2 | 2 | — | — | — |
| Ohio | 2 | 2 | — | — | — |
| Utah | 1 | 1 | — | — | — |
| Wyoming | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Bell Bank's page for that state.
Counties where Bell Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Curry County, NM | 1 | 116 | 19.6% |
| Wilkin County, MN | 1 | 14 | 18.7% |
| Roosevelt County, NM | 2 | 25 | 16.2% |
| Douglas County, MN | 1 | 58 | 13.4% |
| Richland County, ND | 3 | 22 | 12.6% |
| Clay County, MN | 1 | 112 | 12.4% |
| Grant County, MN | 2 | 8 | 11.4% |
| Cass County, ND | 2 | 250 | 10.5% |
| Ramsey County, MN | 1 | 522 | 9.0% |
| Hennepin County, MN | 1 | 1,401 | 8.6% |
| Otter Tail County, MN | 2 | 52 | 8.4% |
| Washington County, MN | 1 | 387 | 8.3% |
| Becker County, MN | 3 | 34 | 8.3% |
| Chisago County, MN | 2 | 71 | 7.7% |
| Carver County, MN | 2 | 150 | 7.5% |
Check Bell Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300WYBPIWKK6SQC06.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Bell Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology