Bellco mortgage approval rate & lending review
Bellco decided 10,809 mortgage applications and funded 6,613 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bellco reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bellco at a glance
Approval is 2.2 points below the 65.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 166 / 174 | 95% | $205K | 157 |
| Home improvement loans | 64% | 3,727 / 5,794 | 96% | $95K | 3,571 |
| Cash-out refinance | 66% | 2,848 / 4,335 | 97% | $125K | 2,766 |
| Refinance | 29% | 93 / 324 | 97% | $85K | 90 |
| Investment cash-out refinance | 16% | 7 / 44 | 100% | $35K | 7 |
| Investment home improvement | 17% | 21 / 125 | 100% | $55K | 21 |
Bellco lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Colorado | 64% | $95K | 10,806 | 6,613 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bellco lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Arapahoe County, CO | Home improvement loans | 62% | 1,260 | 755 |
| Jefferson County, CO | Home improvement loans | 71% | 1,087 | 728 |
| Arapahoe County, CO | Cash-out refinance | 67% | 965 | 626 |
| Douglas County, CO | Home improvement loans | 73% | 838 | 593 |
| Jefferson County, CO | Cash-out refinance | 69% | 825 | 552 |
| Adams County, CO | Home improvement loans | 59% | 938 | 541 |
| Denver County, CO | Home improvement loans | 60% | 875 | 496 |
| Douglas County, CO | Cash-out refinance | 72% | 692 | 484 |
| Adams County, CO | Cash-out refinance | 62% | 663 | 399 |
| Denver County, CO | Cash-out refinance | 60% | 567 | 329 |
| Weld County, CO | Home improvement loans | 54% | 252 | 132 |
| Boulder County, CO | Home improvement loans | 71% | 152 | 103 |
The county markets where Bellco made the most loans. Each link opens that market with every lender ranked.
Questions about Bellco
What is Bellco's mortgage approval rate?
Bellco approved 63.5% of the 10,809 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.2 points below the 65.7% national rate for the same mix of loan types.
How often do borrowers take the loan Bellco offers?
Borrowers accepted 96% of the loans Bellco approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bellco make?
The typical home improvement loan loan Bellco made was $95K; across all loan types its typical loan ran from $35K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bellco lend?
Bellco decided applications in 4 of the states Fat Boy Data covers, most of them in Colorado, Missouri and Pennsylvania.
Can I apply to Bellco directly?
Yes. Bellco is a bank or credit union with 30 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bellco's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bellco treats applications, then get a rate quote from the lender.