Lender in Florida · HMDA 2025
Bell Bank mortgages in Florida
Bell Bank's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Bell Bank originated 314 owner-occupied single-family loans in Florida from 343 completed applications.
Its median conventional purchase loan costs were $6,060 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.625% (Florida: 6.625%).
Loans in FL
314
of 343 applications
Denial rate
6.1%
Purchase · FL 12.8%
Rate spread
+0.23 pts
Conv. · FL +0.14 pts
Loan amount
$345,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 294 | 273 | 6.1% | 6.625% | +0.23 pts | $6,060 | $345,000 |
| Refinance | 29 | 24 | 17.2% | — | +0.13 pts | $4,660 | $375,000 |
| Cash-out refinance | 20 | 17 | 15.0% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Bell Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Highlands County | 7 | 37 | 2.6% |
| Hardee County | 9 | 4 | 2.6% |
| Wakulla County | 15 | 9 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology