Lender in North Dakota · HMDA 2025
Bell Bank mortgages in North Dakota
Bell Bank's 2025 home-purchase and refinance lending in North Dakota, compared with all lenders in the state.
Bell Bank originated 295 owner-occupied single-family loans in North Dakota from 311 completed applications, making it the state's #7 lender by volume.
Its median conventional purchase loan costs were $3,990 versus $4,880 for all North Dakota lenders, at a median 30-year fixed rate of 6.25% (North Dakota: 6.375%).
Loans in ND
295
of 311 applications
Denial rate
2.3%
Purchase · ND 4.5%
Rate spread
−0.03 pts
Conv. · ND +0.01 pts
Loan amount
$275,000
Purchase · ND $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 257 | 251 | 2.3% | 6.250% | −0.03 pts | $3,990 | $275,000 |
| Refinance | 32 | 26 | 12.5% | — | +0.08 pts | $3,890 | $285,000 |
| Cash-out refinance | 22 | 18 | 18.2% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Dakota counties where Bell Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cass County | 2 | 250 | 10.5% |
| Richland County | 3 | 22 | 12.6% |
| Dickey County | 4 | 3 | 7.0% |
| Nelson County | 10 | 1 | 5.3% |
| Emmons County | 12 | 1 | 4.2% |
| Grand Forks County | 24 | 6 | 0.8% |
| Barnes County | 25 | 1 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology