Pollen collection seems to be easy for this bee. I have a few bee houses and some holes are covered with flower petals and foliage. I'm going to have to guess leaf-cutting bee. Thanks for all your help.
Flapdoodle is right, that bee is in the family Megachilidae, the leaf cutting bees. (definitely not an Andrena or a Colletes). Megachilids are the only bees that carry their pollen load underneath their abdomen, rather than on their hind legs.