Lender in Minnesota · HMDA 2025
Bell Bank mortgages in Minnesota
Bell Bank's 2025 home-purchase and refinance lending in Minnesota, compared with all lenders in the state.
Bell Bank originated 4,713 owner-occupied single-family loans in Minnesota from 4,889 completed applications, making it the state's #2 lender by volume.
Its median conventional purchase loan costs were $5,100 versus $5,100 for all Minnesota lenders, at a median 30-year fixed rate of 6.625% (Minnesota: 6.625%).
Loans in MN
4,713
of 4,889 applications
Denial rate
1.4%
Purchase · MN 5.2%
Rate spread
+0.16 pts
Conv. · MN +0.15 pts
Loan amount
$325,000
Purchase · MN $305,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 4,205 | 4,125 | 1.4% | 6.625% | +0.16 pts | $5,100 | $325,000 |
| Refinance | 481 | 429 | 10.2% | 6.125% | +0.02 pts | $4,640 | $345,000 |
| Cash-out refinance | 203 | 159 | 21.2% | 6.750% | +0.31 pts | $4,320 | $285,000 |
*Conventional loans only; medians with at least 20 loans.
Minnesota counties where Bell Bank ranks in the top 25
Showing the 30 counties where it ranks highest, of 52.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Hennepin County | 1 | 1,401 | 8.6% |
| Ramsey County | 1 | 522 | 9.0% |
| Washington County | 1 | 387 | 8.3% |
| Clay County | 1 | 112 | 12.4% |
| Douglas County | 1 | 58 | 13.4% |
| Wilkin County | 1 | 14 | 18.7% |
| Dakota County | 2 | 405 | 6.3% |
| Anoka County | 2 | 399 | 7.4% |
| Scott County | 2 | 163 | 6.8% |
| Carver County | 2 | 150 | 7.5% |
| Chisago County | 2 | 71 | 7.7% |
| Otter Tail County | 2 | 52 | 8.4% |
| Mower County | 2 | 37 | 7.4% |
| Dodge County | 2 | 22 | 7.0% |
| Grant County | 2 | 8 | 11.4% |
| Wright County | 3 | 183 | 6.0% |
| Olmsted County | 3 | 109 | 4.9% |
| Isanti County | 3 | 47 | 6.5% |
| Goodhue County | 3 | 45 | 6.9% |
| Becker County | 3 | 34 | 8.3% |
| Norman County | 3 | 5 | 7.1% |
| St. Louis County | 4 | 104 | 4.3% |
| Sherburne County | 4 | 103 | 5.8% |
| Winona County | 5 | 19 | 3.9% |
| Pope County | 5 | 7 | 6.2% |
| Wabasha County | 6 | 13 | 4.7% |
| Lake County | 6 | 9 | 4.7% |
| Rice County | 7 | 29 | 3.6% |
| Fillmore County | 7 | 11 | 4.3% |
| Sibley County | 7 | 7 | 3.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology