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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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BNC NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
BNC NATIONAL BANK |
| Address | 322 EAST MAIN
BISMARCK, ND 58501 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 176 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $33,236,000 |
| Average Mortgage Loan Amount Applied For | $153,370 |
| Highest Mortgage Loan Amount Applied For | $1,803,000 |
| Average Applicant Income | $95,777 |
| Highest Applicant Income | $806,000 |
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| Home Improvement |
58 | $1,546,000 |
$26,000 | $150,000 |
$88,000 | $712,000 |
| Home Purchase |
70 | $20,803,000 |
$297,000 | $1,803,000 |
$135,000 | $806,000 |
| Refinancing |
51 | $11,492,000 |
$225,000 | $950,000 |
$86,000 | $300,000 |
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| American Indian or Alaskan Native |
2 | $15,000 |
$7,000 | $14,000 |
$48,000 | $82,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
2 | $249,000 |
$124,000 | $224,000 |
$54,000 | $69,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $3,048,000 |
$1,016,000 | $1,803,000 |
$268,000 | $806,000 |
| Not Provided |
15 | $752,000 |
$50,000 | $256,000 |
$90,000 | $426,000 |
| White |
157 | $29,777,000 |
$189,000 | $1,331,000 |
$106,000 | $712,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
179 | $33,841,000 |
$189,000 | $1,803,000 |
$106,000 | $806,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
13 | $192,000 |
$14,000 | $32,000 |
$35,000 | $85,000 |
| Application Withdrawn By Applicant |
19 | $2,297,000 |
$120,000 | $600,000 |
$73,000 | $179,000 |
| File Closed For Incompleteness |
1 | $300,000 |
$300,000 | $300,000 |
$219,000 | $219,000 |
| Loan Originated |
146 | $31,052,000 |
$212,000 | $1,803,000 |
$116,000 | $806,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $26,000 |
$6,000 | $14,000 |
$18,000 | $29,000 |
| Debt-To-Income Ratio |
8 | $156,000 |
$19,000 | $32,000 |
$45,000 | $85,000 |
| Employment History |
1 | $10,000 |
$10,000 | $10,000 |
$18,000 | $18,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for BNC NATIONAL BANK by:
Metropolitan Area And
County
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