BNC National Bank Mortgage Lending & HMDA Data, 2008
In 2008, BNC National Bank of Bismarck, ND reported 989 mortgage applications totaling $119.8 million, up 649% from 2007. The average application was for $121,095, and applicants reported an average income of $68,574. 91% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Kansas City, MO-KS (224), Davenport-Moline-Rock Island, IA-IL (213) and Wichita, KS (121) (applications in parentheses).
| Mortgage Company & Address | BNC National Bank Bismarck, ND 58501 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 989 |
| Total Mortgage Loan Application Amount | $119,763,000 |
| Average Mortgage Loan Application Amount | $121,095 |
| Highest Mortgage Loan Application Amount | $1,250,000 |
| Average Applicant Income | $68,574 |
| Highest Applicant Income | $3,900,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records BNC National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Scott, Iowa | 107 | $ 12,399,000 | $ 115,878 | $ 46,000 |
| Sedgwick, Kansas | 103 | $ 11,946,000 | $ 115,980 | $ 52,000 |
| Rock Island, Illinois | 90 | $ 9,228,000 | $ 102,533 | $ 51,000 |
| Jackson, Missouri | 83 | $ 10,419,000 | $ 125,530 | $ 45,000 |
| Burleigh, North Dakota | 70 | $ 4,680,000 | $ 66,857 | $ 142,000 |
| Johnson, Kansas | 55 | $ 9,231,000 | $ 167,836 | $ 66,000 |
| Maricopa, Arizona | 36 | $ 6,577,000 | $ 182,694 | $ 248,000 |
| Cass, Missouri | 30 | $ 3,622,000 | $ 120,733 | $ 44,000 |
| Clinton, Iowa | 23 | $ 2,339,000 | $ 101,695 | $ 46,000 |
| Muscatine, Iowa | 19 | $ 1,916,000 | $ 100,842 | $ 44,000 |
| Wyandotte, Kansas | 16 | $ 1,681,000 | $ 105,062 | $ 39,000 |
| Clay, Missouri | 15 | $ 1,916,000 | $ 127,733 | $ 43,000 |
| Henry, Illinois | 13 | $ 1,139,000 | $ 87,615 | $ 54,000 |
| Whiteside, Illinois | 13 | $ 1,496,000 | $ 115,076 | $ 56,000 |
| Des Moines, Iowa | 11 | $ 889,000 | $ 80,818 | $ 38,000 |
| Jackson, Iowa | 11 | $ 1,189,000 | $ 108,090 | $ 34,000 |
| McLean, North Dakota | 11 | $ 462,000 | $ 42,000 | $ 54,000 |
| Miami, Kansas | 10 | $ 1,647,000 | $ 164,700 | $ 57,000 |
| Morton, North Dakota | 9 | $ 147,000 | $ 16,333 | $ 64,000 |
| Butler, Kansas | 8 | $ 1,004,000 | $ 125,500 | $ 52,000 |
| Hennepin, Minnesota | 8 | $ 1,209,000 | $ 151,125 | $ 138,000 |
| Benton, Missouri | 8 | $ 743,000 | $ 92,875 | $ 38,000 |
| Shawnee, Kansas | 7 | $ 843,000 | $ 120,428 | $ 42,000 |
| Wilson, Kansas | 7 | $ 712,000 | $ 101,714 | $ 39,000 |
| Henry, Missouri | 7 | $ 486,000 | $ 69,428 | $ 29,000 |
| Linn, Iowa | 6 | $ 775,000 | $ 129,166 | $ 45,000 |
| Harvey, Kansas | 6 | $ 878,000 | $ 146,333 | $ 66,000 |
| Salt Lake, Utah | 6 | $ 1,205,000 | $ 200,833 | $ 56,000 |
| Douglas, Kansas | 5 | $ 712,000 | $ 142,400 | $ 47,000 |
| Jasper, Missouri | 5 | $ 570,000 | $ 114,000 | $ 35,000 |
| Carroll, Illinois | 4 | $ 256,000 | $ 64,000 | $ 49,000 |
| Dubuque, Iowa | 4 | $ 381,000 | $ 95,250 | $ 37,000 |
| Leavenworth, Kansas | 4 | $ 728,000 | $ 182,000 | $ 73,000 |
| Montgomery, Kansas | 4 | $ 421,000 | $ 105,250 | $ 51,000 |
| Saline, Kansas | 4 | $ 474,000 | $ 118,500 | $ 64,000 |
| Sumner, Kansas | 4 | $ 503,000 | $ 125,750 | $ 68,000 |
| St. Charles, Missouri | 4 | $ 568,000 | $ 142,000 | $ 60,000 |
| St. Louis, Missouri | 4 | $ 856,000 | $ 214,000 | $ 79,000 |
| Emmons, North Dakota | 4 | $ 254,000 | $ 63,500 | $ 84,000 |
| Mountrail, North Dakota | 4 | $ 102,000 | $ 25,500 | $ 40,000 |
| Pinal, Arizona | 3 | $ 490,000 | $ 163,333 | $ 68,000 |
| Henderson, Illinois | 3 | $ 138,000 | $ 46,000 | $ 49,000 |
| Mercer, Illinois | 3 | $ 314,000 | $ 104,666 | $ 85,000 |
| Cedar, Iowa | 3 | $ 441,000 | $ 147,000 | $ 26,000 |
| Crawford, Kansas | 3 | $ 312,000 | $ 104,000 | $ 34,000 |
| Dickinson, Kansas | 3 | $ 379,000 | $ 126,333 | $ 38,000 |
| Lafayette, Missouri | 3 | $ 690,000 | $ 230,000 | $ 61,000 |
| Platte, Missouri | 3 | $ 458,000 | $ 152,666 | $ 61,000 |
| Wake, North Carolina | 3 | $ 646,000 | $ 215,333 | $ 46,000 |
| Davis, Utah | 3 | $ 638,000 | $ 212,666 | $ 79,000 |
| Pima, Arizona | 2 | $ 110,000 | $ 55,000 | $ 122,000 |
| Jo Daviess, Illinois | 2 | $ 351,000 | $ 175,500 | $ 88,000 |
| Peoria, Illinois | 2 | $ 218,000 | $ 109,000 | $ 26,000 |
| Johnson, Iowa | 2 | $ 290,000 | $ 145,000 | $ 30,000 |
| Lee, Iowa | 2 | $ 170,000 | $ 85,000 | $ 53,000 |
| Ellis, Kansas | 2 | $ 392,000 | $ 196,000 | $ 83,000 |
| Finney, Kansas | 2 | $ 221,000 | $ 110,500 | $ 45,000 |
| Franklin, Kansas | 2 | $ 387,000 | $ 193,500 | $ 61,000 |
| Lyon, Kansas | 2 | $ 191,000 | $ 95,500 | $ 53,000 |
| St. Tammany, Louisiana | 2 | $ 345,000 | $ 172,500 | $ 71,000 |
| Barry, Missouri | 2 | $ 331,000 | $ 165,500 | $ 39,000 |
| Dallas, Missouri | 2 | $ 338,000 | $ 169,000 | $ 63,000 |
| Johnson, Missouri | 2 | $ 253,000 | $ 126,500 | $ 69,000 |
| Pettis, Missouri | 2 | $ 159,000 | $ 79,500 | $ 70,000 |
| Douglas, Nebraska | 2 | $ 263,000 | $ 131,500 | $ 70,000 |
| Divide, North Dakota | 2 | $ 30,000 | $ 15,000 | $ 86,000 |
| Comanche, Oklahoma | 2 | $ 322,000 | $ 161,000 | $ 82,000 |
| Baldwin, Alabama | 1 | $ 222,000 | $ 222,000 | $ 67,000 |
| Navajo, Arizona | 1 | $ 141,000 | $ 141,000 | $ 63,000 |
| Placer, California | 1 | $ 170,000 | $ 170,000 | $ 57,000 |
| Riverside, California | 1 | $ 1,250,000 | $ 1,250,000 | $ 1,672,000 |
| Sacramento, California | 1 | $ 341,000 | $ 341,000 | $ 65,000 |
| Morgan, Colorado | 1 | $ 279,000 | $ 279,000 | $ 0 |
| Miami-Dade, Florida | 1 | $ 147,000 | $ 147,000 | $ 48,000 |
| Pinellas, Florida | 1 | $ 81,000 | $ 81,000 | $ 29,000 |
| Sarasota, Florida | 1 | $ 147,000 | $ 147,000 | $ 65,000 |
| Volusia, Florida | 1 | $ 108,000 | $ 108,000 | $ 49,000 |
| Bannock, Idaho | 1 | $ 138,000 | $ 138,000 | $ 71,000 |
| Kootenai, Idaho | 1 | $ 282,000 | $ 282,000 | $ 54,000 |
| Fayette, Illinois | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Knox, Illinois | 1 | $ 89,000 | $ 89,000 | $ 45,000 |
| Lake, Illinois | 1 | $ 300,000 | $ 300,000 | $ 334,000 |
| Winnebago, Illinois | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Floyd, Indiana | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Bremer, Iowa | 1 | $ 79,000 | $ 79,000 | $ 48,000 |
| Floyd, Iowa | 1 | $ 91,000 | $ 91,000 | $ 38,000 |
| Henry, Iowa | 1 | $ 80,000 | $ 80,000 | $ 27,000 |
| Jasper, Iowa | 1 | $ 76,000 | $ 76,000 | $ 19,000 |
| Jones, Iowa | 1 | $ 103,000 | $ 103,000 | $ 28,000 |
| Louisa, Iowa | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Polk, Iowa | 1 | $ 132,000 | $ 132,000 | $ 83,000 |
| Pottawattamie, Iowa | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Wapello, Iowa | 1 | $ 127,000 | $ 127,000 | $ 57,000 |
| Allen, Kansas | 1 | $ 89,000 | $ 89,000 | $ 65,000 |
| Atchison, Kansas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Cherokee, Kansas | 1 | $ 55,000 | $ 55,000 | $ 39,000 |
| Doniphan, Kansas | 1 | $ 86,000 | $ 86,000 | $ 38,000 |
| Ford, Kansas | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Gray, Kansas | 1 | $ 96,000 | $ 96,000 | $ 81,000 |
| Kingman, Kansas | 1 | $ 84,000 | $ 84,000 | $ 58,000 |
| Neosho, Kansas | 1 | $ 58,000 | $ 58,000 | $ 18,000 |
| Phillips, Kansas | 1 | $ 39,000 | $ 39,000 | $ 27,000 |
| Pratt, Kansas | 1 | $ 93,000 | $ 93,000 | $ 63,000 |
| Riley, Kansas | 1 | $ 188,000 | $ 188,000 | $ 66,000 |
| Wabaunsee, Kansas | 1 | $ 241,000 | $ 241,000 | $ 64,000 |
| Jessamine, Kentucky | 1 | $ 153,000 | $ 153,000 | $ 71,000 |
| East Baton Rouge, Louisiana | 1 | $ 192,000 | $ 192,000 | $ 56,000 |
| Jefferson, Louisiana | 1 | $ 417,000 | $ 417,000 | $ 700,000 |
| Rapides, Louisiana | 1 | $ 205,000 | $ 205,000 | $ 91,000 |
| Anoka, Minnesota | 1 | $ 254,000 | $ 254,000 | $ 76,000 |
| Becker, Minnesota | 1 | $ 292,000 | $ 292,000 | $ 1,185,000 |
| Chisago, Minnesota | 1 | $ 150,000 | $ 150,000 | $ 135,000 |
| Dakota, Minnesota | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Fillmore, Minnesota | 1 | $ 20,000 | $ 20,000 | $ 110,000 |
| Wright, Minnesota | 1 | $ 118,000 | $ 118,000 | $ 35,000 |
| Bates, Missouri | 1 | $ 164,000 | $ 164,000 | $ 45,000 |
| Caldwell, Missouri | 1 | $ 146,000 | $ 146,000 | $ 52,000 |
| Cape Girardeau, Missouri | 1 | $ 134,000 | $ 134,000 | $ 46,000 |
| Greene, Missouri | 1 | $ 129,000 | $ 129,000 | $ 50,000 |
| Hickory, Missouri | 1 | $ 86,000 | $ 86,000 | $ 54,000 |
| Lincoln, Missouri | 1 | $ 113,000 | $ 113,000 | $ 41,000 |
| Macon, Missouri | 1 | $ 142,000 | $ 142,000 | $ 70,000 |
| Ray, Missouri | 1 | $ 65,000 | $ 65,000 | $ 17,000 |
| Saline, Missouri | 1 | $ 107,000 | $ 107,000 | $ 80,000 |
| St. Clair, Missouri | 1 | $ 90,000 | $ 90,000 | $ 18,000 |
| Warren, Missouri | 1 | $ 126,000 | $ 126,000 | $ 55,000 |
| Powell, Montana | 1 | $ 53,000 | $ 53,000 | $ 46,000 |
| Clark, Nevada | 1 | $ 500,000 | $ 500,000 | $ 151,000 |
| Davidson, North Carolina | 1 | $ 87,000 | $ 87,000 | $ 21,000 |
| Forsyth, North Carolina | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Hoke, North Carolina | 1 | $ 153,000 | $ 153,000 | $ 46,000 |
| Lincoln, North Carolina | 1 | $ 150,000 | $ 150,000 | $ 51,000 |
| Mecklenburg, North Carolina | 1 | $ 417,000 | $ 417,000 | $ 173,000 |
| Sampson, North Carolina | 1 | $ 178,000 | $ 178,000 | $ 78,000 |
| Stanly, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Washington, North Carolina | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Dickey, North Dakota | 1 | $ 62,000 | $ 62,000 | $ 22,000 |
| Grand Forks, North Dakota | 1 | $ 34,000 | $ 34,000 | $ 65,000 |
| McIntosh, North Dakota | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Stark, North Dakota | 1 | $ 132,000 | $ 132,000 | $ 81,000 |
| Ward, North Dakota | 1 | $ 51,000 | $ 51,000 | $ 45,000 |
| Cherokee, Oklahoma | 1 | $ 64,000 | $ 64,000 | $ 39,000 |
| Jackson, Oklahoma | 1 | $ 179,000 | $ 179,000 | $ 93,000 |
| Pittsburg, Oklahoma | 1 | $ 216,000 | $ 216,000 | $ 67,000 |
| Washington, Oklahoma | 1 | $ 80,000 | $ 80,000 | $ 126,000 |
| Multnomah, Oregon | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Utah, Utah | 1 | $ 153,000 | $ 153,000 | $ 34,000 |
| Wasatch, Utah | 1 | $ 369,000 | $ 369,000 | $ 70,000 |
| Weber, Utah | 1 | $ 150,000 | $ 150,000 | $ 28,000 |
| King, Washington | 1 | $ 263,000 | $ 263,000 | $ 132,000 |
| Pierce, Washington | 1 | $ 339,000 | $ 339,000 | $ 90,000 |
| Kenosha, Wisconsin | 1 | $ 224,000 | $ 224,000 | $ 122,000 |
| Wood, Wisconsin | 1 | $ 70,000 | $ 70,000 | $ 23,000 |
Mortgage Loan Application Detail Totals for BNC National Bank in 2008
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 492 | $65,308,000 | $132,000 | $483,000 | $58,000 | $1,185,000 |
| Home Purchase | 441 | $50,864,000 | $115,000 | $1,250,000 | $68,000 | $1,970,000 |
| Home Improvement | 56 | $3,591,000 | $64,000 | $412,000 | $166,000 | $3,900,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 820 | $99,261,000 | $121,000 | $500,000 | $61,000 | $1,185,000 |
| Not Provided | 60 | $6,042,000 | $100,000 | $308,000 | $153,000 | $3,900,000 |
| Black or African American | 59 | $7,304,000 | $123,000 | $417,000 | $47,000 | $173,000 |
| Hispanic | 27 | $3,165,000 | $117,000 | $256,000 | $45,000 | $179,000 |
| Asian | 15 | $2,192,000 | $146,000 | $263,000 | $51,000 | $132,000 |
| American Indian or Alaskan Native | 5 | $436,000 | $87,000 | $148,000 | $36,000 | $75,000 |
| Not applicable | 3 | $1,363,000 | $454,000 | $1,250,000 | $1,214,000 | $1,970,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 716 | $88,765,000 | $123,000 | $369,000 | $49,000 | $231,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 258 | $28,789,000 | $111,000 | $1,250,000 | $125,000 | $3,900,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,209,000 | $147,000 | $255,000 | $52,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 897 | $110,083,000 | $122,000 | $1,250,000 | $63,000 | $1,970,000 |
| Application Denied By Financial Institution | 52 | $5,288,000 | $101,000 | $403,000 | $90,000 | $1,476,000 |
| Application Withdrawn By Applicant | 22 | $1,563,000 | $71,000 | $213,000 | $235,000 | $3,900,000 |
| Application Approved But Not Accepted | 13 | $2,006,000 | $154,000 | $341,000 | $72,000 | $183,000 |
| File Closed For Incompleteness | 5 | $823,000 | $164,000 | $294,000 | $70,000 | $139,000 |
| 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 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 18 | $1,973,000 | $109,000 | $403,000 | $62,000 | $121,000 |
| Debt-To-Income Ratio | 13 | $1,370,000 | $105,000 | $172,000 | $53,000 | $93,000 |
| Other | 7 | $651,000 | $93,000 | $309,000 | $279,000 | $1,476,000 |
| Credit History | 7 | $494,000 | $70,000 | $148,000 | $62,000 | $115,000 |
| Unverifiable Information | 2 | $77,000 | $38,000 | $67,000 | $116,000 | $200,000 |
| Employment History | 2 | $219,000 | $109,000 | $159,000 | $54,000 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $373,000 | $186,000 | $210,000 | $65,000 | $70,000 |
| Mortgage Insurance Denied | 1 | $131,000 | $131,000 | $131,000 | $36,000 | $36,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BNC National Bank's 2008 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess BNC National Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in North Dakota, download the full spreadsheet
with aggregated HMDA statistics today.
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