Bell Bank
11,534 mortgages originated in 2025 across 9 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 11,534
- Median rate
- 6.625%
- Median lender fees
- $4,798
- Median loan amount
- $295,000
- Median spread over APOR
- 0.220
- Paid discount points
- 47.4%
- Received lender credits
- 24.9%
- Purchases / refinances
- 71.9% / 14.7%
- Conventional / FHA / VA
- 89.2% / 6% / 4.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 76.3% of loans here — see methodology.
Where Bell Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Minnesota | 6,525 | $4,925 | 6.625% |
| Arizona | 1,256 | $5,391 | 6.750% |
| Wisconsin | 1,031 | $3,367 | 6.500% |
| North Dakota | 674 | $2,986 | 6.990% |
| Florida | 407 | $6,424 | 6.625% |
| Missouri | 405 | $3,984 | 6.500% |
| New Mexico | 397 | $4,275 | 6.375% |
| Kansas | 352 | $3,487 | 6.500% |
| Tennessee | 190 | $8,307 | 7.250% |