What loan types does Bell Bank offer?

Bell Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Bell Bank offer mortgages?

Bell Bank offers mortgages in 34 states: AL, AR, AZ, CA, CO, DC, FL, GA, IA, ID, IL, IN, KS, KY, MI, MN, MO, MS, MT, NC, ND, NE, NM, OK, OR, SC, SD, TN, TX, UT, VA, WA, WI, WY.

How competitive are Bell Bank's mortgage rates?

Bell Bank has an overall pricing score of 35.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Bell Bank?

Bell Bank is a Bank headquartered in Fargo, ND.

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Bell Bank

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We analyzed every closed loan from Bell Bank — 7.7k loans across 10k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

Near-National · 35 mkts

Awards

Conventional

Superstar

FHA

Superstar

Jumbo

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Bell Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+27.4 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Exceptional

Top 20% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 36 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Acceptable	Strong	6,509	84.6%	+0.276%Above	$2,884Fees
FHA Loans	Strong	Exceptional	Acceptable	Strong	619	8.0%	+0.543%Above	$3,491Fees
VA Loans	Strong	Exceptional	Sound	Exceptional	371	4.8%	-0.275%Below	$1,976Fees
Jumbo Loans	Strong	Exceptional	Sound	Strong	163	2.1%	+0.290%Above	$2,196Fees
USDA Loans	Exceptional	Strong	—	Exceptional	34	0.4%	+0.275%Above	$2,243Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume6,509

Mix84.6%

Spread

+0.276%Above

Fees

$2,884Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume619

Mix8.0%

Spread

+0.543%Above

Fees

$3,491Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Exceptional

Volume371

Mix4.8%

Spread

-0.275%Below

Fees

$1,976Fees

Jumbo Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume163

Mix2.1%

Spread

+0.290%Above

Fees

$2,196Fees

USDA Loans

Overall

Exceptional

Product

Strong

Pricing—

Pull Through

Exceptional

Volume34

Mix0.4%

Spread

+0.275%Above

Fees

$2,243Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	7,158	93.0%	+0.275%Above	$2,922Fees
Refinance	Sound	Strong	Acceptable	Strong	538	7.0%	+0.267%Above	$2,358Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume7,158

Mix93.0%

Spread

+0.275%Above

Fees

$2,922Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume538

Mix7.0%

Spread

+0.267%Above

Fees

$2,358Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

7,696

Applications

9,512

Volume

$2 billion

Pricing & Closing

Avg Rate Spread

+0.274%

vs. market APOR

Avg Net Fees

$2,876

Origination − Credits

Pullthrough Rate

80.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$361,385

Avg Borrower Income

$154,778

Avg Property Value

$465,068

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Midwest11

IAILINKSMIMNMONDNESDWI

South13

ALARDCFLGAKYMSNCOKSCTNTXVA

West10

AZCACOIDMTNMORUTWAWY

Top Metro Areas by Place Specialization Score

1© w_lemay · CC BY-SA 2.0

Minneapolis, MN-WIMetro

Volume 3,624Mix 47.09% of portfolio

100/100

Exceptional

2© Ron Reiring · CC BY 2.0

Fargo, ND, ND-MNMetro

Volume 295Mix 3.83% of portfolio

91/100

Exceptional

3© Theresa Marconi · CC BY-SA 3.0

Rochester, MNMetro

Volume 166Mix 2.16% of portfolio

86/100

Exceptional

Phoenix, AZMetro

Volume 681Mix 8.85% of portfolio

80/100

Strong

Madison, WIMetro

Volume 240Mix 3.12% of portfolio

76/100

Strong

Duluth, MN, MN-WIMetro

Volume 137Mix 1.78% of portfolio

76/100

Strong

Santa Fe, NMMetro

Volume 40Mix 0.52% of portfolio

75/100

Strong

Kansas City, MO, MO-KSMetro

Volume 298Mix 3.87% of portfolio

74/100

Strong

Milwaukee, WIMetro

Volume 153Mix 1.99% of portfolio

70/100

Strong

Columbia, MOMetro

Volume 68Mix 0.88% of portfolio

69/100

Strong

Showing 10 of 35 metro areas

Top States by Place Specialization Score

MinnesotaState

Volume 4,389Mix 57.03% of portfolio

100/100

Exceptional

WisconsinState

Volume 767Mix 9.97% of portfolio

83/100

Exceptional

ArizonaState

Volume 735Mix 9.55% of portfolio

79/100

Strong

KansasState

Volume 278Mix 3.61% of portfolio

79/100

Strong

North DakotaState

Volume 250Mix 3.25% of portfolio

77/100

Strong

New MexicoState

Volume 263Mix 3.42% of portfolio

77/100

Strong

MissouriState

Volume 310Mix 4.03% of portfolio

69/100

Strong

FloridaState

Volume 319Mix 4.15% of portfolio

63/100

Strong

TennesseeState

Volume 132Mix 1.72% of portfolio

61/100

Strong

ColoradoState

Volume 49Mix 0.64% of portfolio

50/100

Sound

Showing 10 of 17 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.