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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
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
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
6,509 loans · 0.28% above market
Exceptional
Top 20% of lenders
5/5
FHA
619 loans · 0.54% above market
Exceptional
Top 20% of lenders
5/5
VA
371 loans · 0.28% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
163 loans · 0.29% above market
Exceptional
Top 20% of lenders
5/5
USDA
34 loans · 0.28% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
7,158 loans · 0.28% above market
Exceptional
Top 20% of lenders
5/5
Refinance
538 loans · 0.27% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 36 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 6,509 | 84.6% | +0.276%Above | $2,884Fees | ||||
FHA Loans | 619 | 8.0% | +0.543%Above | $3,491Fees | ||||
VA Loans | 371 | 4.8% | -0.275%Below | $1,976Fees | ||||
Jumbo Loans | 163 | 2.1% | +0.290%Above | $2,196Fees | ||||
USDA Loans | — | 34 | 0.4% | +0.275%Above | $2,243Fees |
Conventional
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume6,509
Mix84.6%
Spread
+0.276%Above
Fees
$2,884Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume619
Mix8.0%
Spread
+0.543%Above
Fees
$3,491Fees
VA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume371
Mix4.8%
Spread
-0.275%Below
Fees
$1,976Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume163
Mix2.1%
Spread
+0.290%Above
Fees
$2,196Fees
USDA Loans
OverallExceptional
ProductStrong
Pricing—
Pull ThroughExceptional
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 | 7,158 | 93.0% | +0.275%Above | $2,922Fees | ||||
Refinance | 538 | 7.0% | +0.267%Above | $2,358Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume7,158
Mix93.0%
Spread
+0.275%Above
Fees
$2,922Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
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
35
markets with activity
States Served
34
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
34Full-year 2024 · HMDALoans originated
< 1010–5050–200200–500500+None
Midwest11
IAILINKSMIMNMONDNESDWI
South13
ALARDCFLGAKYMSNCOKSCTNTXVA
West10
AZCACOIDMTNMORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 35 metro areas
Top States by Place Specialization Score
Showing 10 of 17 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.