Purchase Originations
6,595
Ranked #70 nationally
Median Total Costs
$5,171
−22.6% vs national ($6,680)
↓ $223 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$2,080
Median Lender Credits
$188
Cost Rank (500+ vol.)
#212
among lenders with 500+ originations
Denial Rate
2.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 5,667 | 6.625% | $4,925 | $2,150 |
| fha | 461 | 6.375% | $10,517 | $2,496 |
| va | 435 | 6.250% | $5,371 | $620 |
| usda | 32 | 6.250% | $7,444 | $1,726 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Minnesota | 3,955 | 6.500% | $5,276 | #1 |
| Wisconsin | 579 | 6.625% | $3,697 | #26 |
| Arizona | 506 | 6.625% | $6,127 | #38 |
| Missouri | 282 | 6.625% | $4,105 | #42 |
| Kansas | 268 | 6.500% | $3,613 | #27 |
| Florida | 254 | 6.500% | $6,896 | #140 |
| New Mexico | 222 | 6.375% | $4,181 | #22 |
| North Dakota | 184 | 6.250% | $4,148 | #7 |
| Tennessee | 162 | 7.375% | $8,160 | #92 |
| Illinois | 27 | 6.625% | $5,328 | — |
| Colorado | 21 | 6.500% | $4,477 | — |
| Iowa | 20 | 6.875% | $3,816 | — |
| Texas | 19 | 6.375% | $5,008 | — |
| Michigan | 12 | 6.562% | $4,557 | — |
| North Carolina | 12 | 6.250% | $6,602 | — |
| California | 9 | 6.125% | $10,374 | — |
| Georgia | 9 | 6.490% | $5,739 | — |
| South Dakota | 7 | 6.625% | $4,026 | — |
| Indiana | 5 | 6.500% | $5,345 | — |
| Virginia | 5 | 6.250% | $6,489 | — |
| Idaho | 4 | 6.125% | $5,842 | — |
| Nebraska | 4 | 6.312% | $3,934 | — |
| Oklahoma | 4 | 6.375% | $9,945 | — |
| South Carolina | 4 | 6.188% | $7,389 | — |
| Washington | 4 | 6.688% | $10,617 | — |
| Pennsylvania | 3 | 5.990% | $5,380 | — |
| Alabama | 2 | 6.312% | $3,778 | — |
| Arkansas | 2 | 6.808% | $3,994 | — |
| Kentucky | 2 | 6.058% | $4,550 | — |
| Nevada | 2 | 6.625% | $8,543 | — |
| Ohio | 2 | 6.062% | $9,782 | — |
| Oregon | 2 | 6.625% | $4,006 | — |
| Mississippi | 1 | 5.875% | $10,862 | — |
| Montana | 1 | 6.875% | $4,082 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,406 | 6.495% | — | 110 | −$1,765 | |
| 2 | $3,790 | 6.375% | — | 68 | −$1,381 | |
| 3 | $3,818 | 6.500% | — | 70 | −$1,353 | |
| 4 | $4,030 | 6.250% | — | 85 | −$1,141 | |
| 5 | $4,165 | 6.250% | — | 153 | −$1,006 | |
| 6 | $4,189 | 6.625% | — | 66 | −$982 | |
| 7 | $4,199 | 6.625% | — | 70 | −$972 | |
| 8 | $4,265 | 6.490% | — | 159 | −$906 | |
| 9 | $4,293 | 6.375% | — | 92 | −$878 | |
| 10 | $5,069 | 6.500% | — | 431 | −$102 | |
| 11 | $5,084 | 6.625% | — | 349 | −$87 | |
| 12 | $5,212 | 6.625% | — | 1,184 | +$41 | |
| 13 | $5,384 | 6.625% | — | 333 | +$213 | |
| 14 | $5,524 | 6.625% | — | 339 | +$353 | |
| 15 | $5,531 | 6.625% | — | 163 | +$360 | |
| 16 | $5,646 | 6.490% | — | 141 | +$475 | |
| 17 | $5,659 | 6.490% | — | 84 | +$488 | |
| 18 | $5,712 | 6.500% | — | 130 | +$541 | |
| 19 | $5,905 | 6.375% | — | 90 | +$734 | |
| 20 | $6,092 | 6.625% | — | 425 | +$921 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Bell Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $5,171 | $7,127 | −$1,956 (−27.4%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.