Bnc National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012

Bnc National Bank 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

Mortgage Company & Address Bnc National Bank
20175 N 67Th Avenue
Glendale, AZ 85308
Tel #: available with data download
Federal Regulator * available with data download
Years 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 6,764
Total Mortgage Loan Application Amount $1,663,053,000
Average Mortgage Loan Application Amount $231,000
Highest Mortgage Loan Application Amount $1,700,000
Average Applicant Income $100,666
Highest Applicant Income $5,012,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Bnc National Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bnc National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2012 breaks down Bnc National Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bnc National Bank serves its applicants.

Each category highlights the total number of mortgage applications processed by Bnc National Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bnc National Bank's mortgage activity for 2012.

Mortgage Loan Application Totals for Bnc National Bank by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Sedgwick County Kansas 588 $ 80,970,000 $ 137,000 $ 69,000
Maricopa County Arizona 218 $ 54,479,000 $ 249,000 $ 138,000
Johnson County Kansas 191 $ 38,772,000 $ 202,000 $ 94,000
Lancaster County Nebraska 182 $ 27,527,000 $ 151,000 $ 66,000
Burleigh County North Dakota 130 $ 22,445,000 $ 172,000 $ 117,000
Los Angeles County California 123 $ 48,627,000 $ 395,000 $ 152,000
Fairfax County Virginia 111 $ 49,531,000 $ 446,000 $ 100,000
San Diego County California 108 $ 40,666,000 $ 376,000 $ 102,000
Hennepin County Minnesota 107 $ 24,388,000 $ 227,000 $ 106,000
Shawnee County Kansas 93 $ 10,751,000 $ 115,000 $ 50,000
Douglas County Nebraska 93 $ 18,696,000 $ 201,000 $ 90,000
Jackson County Missouri 89 $ 13,552,000 $ 152,000 $ 72,000
Butler County Kansas 86 $ 13,091,000 $ 152,000 $ 89,000
Orange County California 69 $ 26,611,000 $ 385,000 $ 116,000
Scott County Iowa 66 $ 8,046,000 $ 121,000 $ 57,000
Middlesex County Massachusetts 61 $ 20,060,000 $ 328,000 $ 140,000
El Paso County Colorado 60 $ 16,134,000 $ 268,000 $ 51,000
Rock Island County Illinois 56 $ 5,980,000 $ 106,000 $ 50,000
Riverside County California 51 $ 14,315,000 $ 280,000 $ 100,000
Prince William County Virginia 48 $ 19,074,000 $ 397,000 $ 108,000
King County Washington 48 $ 17,468,000 $ 363,000 $ 134,000
Montgomery County Maryland 45 $ 18,349,000 $ 407,000 $ 127,000
Clark County Nevada 45 $ 10,122,000 $ 224,000 $ 87,000
Santa Clara County California 41 $ 19,447,000 $ 474,000 $ 151,000
Hall County Nebraska 40 $ 4,557,000 $ 113,000 $ 52,000
Loudoun County Virginia 38 $ 15,419,000 $ 405,000 $ 104,000
Anne Arundel County Maryland 36 $ 14,294,000 $ 397,000 $ 62,000
Alameda County California 35 $ 15,429,000 $ 440,000 $ 141,000
Contra Costa County California 33 $ 14,015,000 $ 424,000 $ 133,000
Dakota County Minnesota 33 $ 6,778,000 $ 205,000 $ 88,000
Ventura County California 32 $ 11,292,000 $ 352,000 $ 126,000
Clay County Missouri 31 $ 5,538,000 $ 178,000 $ 66,000
Wake County North Carolina 29 $ 7,953,000 $ 274,000 $ 73,000
Pima County Arizona 28 $ 6,494,000 $ 231,000 $ 46,000
San Mateo County California 27 $ 11,013,000 $ 407,000 $ 131,000
Sarpy County Nebraska 27 $ 5,291,000 $ 195,000 $ 77,000
District of Columbia County District Of Columbia 26 $ 9,981,000 $ 383,000 $ 154,000
Oakland County Michigan 26 $ 7,139,000 $ 274,000 $ 152,000
Sacramento County California 25 $ 6,173,000 $ 246,000 $ 114,000
Jefferson County Colorado 25 $ 7,720,000 $ 308,000 $ 136,000
Cook County Illinois 24 $ 6,941,000 $ 289,000 $ 104,000
Platte County Missouri 24 $ 5,224,000 $ 217,000 $ 82,000
Washington County Oregon 24 $ 6,228,000 $ 259,000 $ 116,000
San Bernardino County California 22 $ 6,287,000 $ 285,000 $ 146,000
Henry County Illinois 22 $ 2,609,000 $ 118,000 $ 57,000
Essex County Massachusetts 22 $ 6,851,000 $ 311,000 $ 112,000
Ramsey County Minnesota 22 $ 4,087,000 $ 185,000 $ 84,000
Fairfield County Connecticut 21 $ 7,034,000 $ 334,000 $ 175,000
Palm Beach County Florida 21 $ 6,662,000 $ 317,000 $ 124,000
Bergen County New Jersey 21 $ 7,590,000 $ 361,000 $ 124,000
Pierce County Washington 21 $ 6,806,000 $ 324,000 $ 96,000
Worcester County Massachusetts 20 $ 5,495,000 $ 274,000 $ 126,000
St. Louis County Missouri 20 $ 6,149,000 $ 307,000 $ 78,000
Middlesex County New Jersey 20 $ 6,564,000 $ 328,000 $ 137,000
Morton County North Dakota 20 $ 3,549,000 $ 177,000 $ 110,000
Arlington County Virginia 20 $ 10,120,000 $ 506,000 $ 122,000
Hillsborough County Florida 19 $ 6,130,000 $ 322,000 $ 111,000
Des Moines County Iowa 19 $ 1,736,000 $ 91,000 $ 40,000
Crawford County Kansas 19 $ 2,602,000 $ 136,000 $ 55,000
Anoka County Minnesota 19 $ 3,664,000 $ 192,000 $ 70,000
Scott County Minnesota 19 $ 4,431,000 $ 233,000 $ 120,000
Cass County Missouri 19 $ 3,484,000 $ 183,000 $ 56,000
Broward County Florida 18 $ 5,032,000 $ 279,000 $ 104,000
Orange County Florida 18 $ 5,273,000 $ 292,000 $ 100,000
Howard County Maryland 18 $ 6,492,000 $ 360,000 $ 147,000
Bristol County Massachusetts 18 $ 4,354,000 $ 241,000 $ 58,000
Bernalillo County New Mexico 18 $ 4,634,000 $ 257,000 $ 72,000
Clackamas County Oregon 18 $ 5,688,000 $ 316,000 $ 96,000
Multnomah County Oregon 18 $ 5,033,000 $ 279,000 $ 120,000
Virginia Beach County Virginia 18 $ 4,989,000 $ 277,000 $ 67,000
Douglas County Colorado 17 $ 5,052,000 $ 297,000 $ 109,000
Pinellas County Florida 17 $ 4,132,000 $ 243,000 $ 154,000
Oklahoma County Oklahoma 17 $ 3,708,000 $ 218,000 $ 125,000
Salt Lake County Utah 17 $ 4,581,000 $ 269,000 $ 102,000
DuPage County Illinois 16 $ 4,442,000 $ 277,000 $ 95,000
Monmouth County New Jersey 16 $ 5,564,000 $ 347,000 $ 168,000
Mecklenburg County North Carolina 16 $ 4,627,000 $ 289,000 $ 64,000
Madison County Alabama 15 $ 3,802,000 $ 253,000 $ 85,000
Boulder County Colorado 15 $ 4,741,000 $ 316,000 $ 101,000
Okaloosa County Florida 15 $ 3,605,000 $ 240,000 $ 49,000
Ada County Idaho 15 $ 3,825,000 $ 255,000 $ 103,000
Hillsborough County New Hampshire 15 $ 5,030,000 $ 335,000 $ 195,000
Cumberland County North Carolina 15 $ 3,407,000 $ 227,000 $ 75,000
Montgomery County Pennsylvania 15 $ 3,955,000 $ 263,000 $ 129,000
Pinal County Arizona 14 $ 2,142,000 $ 153,000 $ 55,000
Denver County Colorado 14 $ 3,806,000 $ 271,000 $ 132,000
Miami-Dade County Florida 14 $ 3,655,000 $ 261,000 $ 120,000
Norfolk County Massachusetts 14 $ 4,171,000 $ 297,000 $ 102,000
Westchester County New York 14 $ 4,774,000 $ 341,000 $ 150,000
Arapahoe County Colorado 13 $ 3,878,000 $ 298,000 $ 58,000
Duval County Florida 13 $ 2,888,000 $ 222,000 $ 64,000
Leavenworth County Kansas 13 $ 2,094,000 $ 161,000 $ 83,000
Rockingham County New Hampshire 13 $ 4,210,000 $ 323,000 $ 217,000
Cass County North Dakota 13 $ 2,575,000 $ 198,000 $ 83,000
Mountrail County North Dakota 13 $ 1,028,000 $ 79,000 $ 66,000
Chester County Pennsylvania 13 $ 3,949,000 $ 303,000 $ 117,000
Shelby County Alabama 12 $ 3,282,000 $ 273,000 $ 100,000
Sumner County Kansas 12 $ 1,789,000 $ 149,000 $ 64,000
Barnstable County Massachusetts 12 $ 3,470,000 $ 289,000 $ 120,000
Plymouth County Massachusetts 12 $ 3,237,000 $ 269,000 $ 73,000
Wayne County Michigan 12 $ 2,706,000 $ 225,000 $ 151,000
Washington County Minnesota 12 $ 2,609,000 $ 217,000 $ 115,000
Nassau County New York 12 $ 4,386,000 $ 365,000 $ 212,000
Suffolk County New York 12 $ 4,792,000 $ 399,000 $ 200,000
Ward County North Dakota 12 $ 2,018,000 $ 168,000 $ 90,000
Tulsa County Oklahoma 12 $ 3,111,000 $ 259,000 $ 142,000
Bucks County Pennsylvania 12 $ 3,972,000 $ 331,000 $ 128,000
Kitsap County Washington 12 $ 3,311,000 $ 275,000 $ 61,000
Jefferson County Alabama 11 $ 3,285,000 $ 298,000 $ 99,000
Kern County California 11 $ 2,538,000 $ 230,000 $ 210,000
Placer County California 11 $ 3,959,000 $ 359,000 $ 110,000
Hartford County Connecticut 11 $ 2,667,000 $ 242,000 $ 81,000
Brevard County Florida 11 $ 3,012,000 $ 273,000 $ 89,000
Lee County Florida 11 $ 3,046,000 $ 276,000 $ 160,000
St. Johns County Florida 11 $ 3,443,000 $ 313,000 $ 158,000
Fulton County Georgia 11 $ 3,052,000 $ 277,000 $ 132,000
Clinton County Iowa 11 $ 992,000 $ 90,000 $ 49,000
Wyandotte County Kansas 11 $ 1,164,000 $ 105,000 $ 54,000
Cumberland County Maine 11 $ 2,700,000 $ 245,000 $ 93,000
Saunders County Nebraska 11 $ 1,634,000 $ 148,000 $ 79,000
Sandoval County New Mexico 11 $ 3,187,000 $ 289,000 $ 46,000
McLean County North Dakota 11 $ 1,136,000 $ 103,000 $ 67,000
Providence County Rhode Island 11 $ 2,935,000 $ 266,000 $ 110,000
Chittenden County Vermont 11 $ 2,623,000 $ 238,000 $ 110,000
Chesapeake County Virginia 11 $ 2,813,000 $ 255,000 $ 40,000
El Dorado County California 10 $ 4,160,000 $ 416,000 $ 46,000
Sonoma County California 10 $ 2,603,000 $ 260,000 $ 177,000
Escambia County Florida 10 $ 2,251,000 $ 225,000 $ 72,000
Forsyth County Georgia 10 $ 2,136,000 $ 213,000 $ 80,000
Harvey County Kansas 10 $ 846,000 $ 84,000 $ 51,000
Washtenaw County Michigan 10 $ 2,604,000 $ 260,000 $ 142,000
Morris County New Jersey 10 $ 3,293,000 $ 329,000 $ 129,000
Moore County North Carolina 10 $ 2,693,000 $ 269,000 $ 80,000
Rutherford County Tennessee 10 $ 2,446,000 $ 244,000 $ 50,000
Chesterfield County Virginia 10 $ 3,129,000 $ 312,000 $ 33,000
Clark County Washington 10 $ 2,717,000 $ 271,000 $ 93,000
Snohomish County Washington 10 $ 3,012,000 $ 301,000 $ 71,000
Monterey County California 9 $ 4,519,000 $ 502,000 $ 59,000
New Castle County Delaware 9 $ 2,609,000 $ 289,000 $ 119,000
Pasco County Florida 9 $ 2,460,000 $ 273,000 $ 80,000
Gwinnett County Georgia 9 $ 2,311,000 $ 256,000 $ 99,000
Prince George's County Maryland 9 $ 3,306,000 $ 367,000 $ 83,000
St. Mary's County Maryland 9 $ 3,177,000 $ 353,000 $ 69,000
Mercer County New Jersey 9 $ 2,733,000 $ 303,000 $ 171,000
Somerset County New Jersey 9 $ 3,147,000 $ 349,000 $ 139,000
Union County New Jersey 9 $ 3,229,000 $ 358,000 $ 164,000
Santa Fe County New Mexico 9 $ 2,801,000 $ 311,000 $ 95,000
Franklin County Ohio 9 $ 2,641,000 $ 293,000 $ 125,000
Lane County Oregon 9 $ 2,297,000 $ 255,000 $ 52,000
Charleston County South Carolina 9 $ 2,452,000 $ 272,000 $ 104,000
Dorchester County South Carolina 9 $ 1,782,000 $ 198,000 $ 61,000
Sumter County South Carolina 9 $ 1,415,000 $ 157,000 $ 35,000
Montgomery County Tennessee 9 $ 1,961,000 $ 217,000 $ 8,000
Shelby County Tennessee 9 $ 2,420,000 $ 268,000 $ 174,000
Stafford County Virginia 9 $ 2,894,000 $ 321,000 $ 51,000
Dane County Wisconsin 9 $ 2,955,000 $ 328,000 $ 92,000
Limestone County Alabama 8 $ 2,021,000 $ 252,000 $ 36,000
New Haven County Connecticut 8 $ 2,272,000 $ 284,000 $ 173,000
New London County Connecticut 8 $ 2,316,000 $ 289,000 $ 131,000
Seminole County Florida 8 $ 1,886,000 $ 235,000 $ 99,000
Cobb County Georgia 8 $ 2,457,000 $ 307,000 $ 120,000
DeKalb County Georgia 8 $ 1,835,000 $ 229,000 $ 130,000
Hamilton County Indiana 8 $ 1,903,000 $ 237,000 $ 71,000
Douglas County Kansas 8 $ 1,264,000 $ 158,000 $ 44,000
Frederick County Maryland 8 $ 2,546,000 $ 318,000 $ 87,000
Carver County Minnesota 8 $ 2,074,000 $ 259,000 $ 100,000
Ocean County New Jersey 8 $ 1,986,000 $ 248,000 $ 58,000
Orange County New York 8 $ 2,349,000 $ 293,000 $ 115,000
Queens County New York 8 $ 2,351,000 $ 293,000 $ 110,000
Guilford County North Carolina 8 $ 1,952,000 $ 244,000 $ 95,000
Onslow County North Carolina 8 $ 2,056,000 $ 257,000 $ 81,000
Greene County Ohio 8 $ 1,832,000 $ 229,000 $ 72,000
Woods County Oklahoma 8 $ 1,101,000 $ 137,000 $ 56,000
Minnehaha County South Dakota 8 $ 1,099,000 $ 137,000 $ 81,000
Pennington County South Dakota 8 $ 1,709,000 $ 213,000 $ 74,000
Norfolk County Virginia 8 $ 2,525,000 $ 315,000 $ 65,000
Whatcom County Washington 8 $ 2,304,000 $ 288,000 $ 83,000
Waukesha County Wisconsin 8 $ 2,019,000 $ 252,000 $ 65,000
Lee County Alabama 7 $ 1,401,000 $ 200,000 $ 93,000
Benton County Arkansas 7 $ 2,019,000 $ 288,000 $ 180,000
Santa Cruz County California 7 $ 2,401,000 $ 343,000 $ 141,000
Clay County Florida 7 $ 1,594,000 $ 227,000 $ 43,000
Indian River County Florida 7 $ 1,794,000 $ 256,000 $ 155,000
Sarasota County Florida 7 $ 2,098,000 $ 299,000 $ 120,000
Columbia County Georgia 7 $ 1,313,000 $ 187,000 $ 17,000
Fayette County Georgia 7 $ 1,682,000 $ 240,000 $ 157,000
Lake County Indiana 7 $ 1,591,000 $ 227,000 $ 80,000
Polk County Iowa 7 $ 1,212,000 $ 173,000 $ 79,000
Miami County Kansas 7 $ 1,181,000 $ 168,000 $ 79,000
Jefferson County Kentucky 7 $ 1,795,000 $ 256,000 $ 114,000
Jefferson County Louisiana 7 $ 1,456,000 $ 208,000 $ 95,000
Baltimore County Maryland 7 $ 2,296,000 $ 328,000 $ 117,000
Olmsted County Minnesota 7 $ 2,425,000 $ 346,000 $ 153,000
Johnson County Missouri 7 $ 1,514,000 $ 216,000 $ 83,000
St. Charles County Missouri 7 $ 1,487,000 $ 212,000 $ 128,000
Cass County Nebraska 7 $ 973,000 $ 139,000 $ 70,000
Williams County North Dakota 7 $ 1,439,000 $ 205,000 $ 154,000
Marion County Oregon 7 $ 1,843,000 $ 263,000 $ 42,000
Allegheny County Pennsylvania 7 $ 1,645,000 $ 235,000 $ 151,000
Delaware County Pennsylvania 7 $ 2,184,000 $ 312,000 $ 165,000
Beaufort County South Carolina 7 $ 2,102,000 $ 300,000 $ 117,000
Greenville County South Carolina 7 $ 1,611,000 $ 230,000 $ 88,000
Lincoln County South Dakota 7 $ 1,524,000 $ 217,000 $ 104,000
Utah County Utah 7 $ 1,825,000 $ 260,000 $ 104,000
Henrico County Virginia 7 $ 2,072,000 $ 296,000 $ 95,000
Spotsylvania County Virginia 7 $ 2,429,000 $ 347,000 $ 61,000
Coffee County Alabama 6 $ 1,485,000 $ 247,000 $ 77,000
Cochise County Arizona 6 $ 1,303,000 $ 217,000 $ 43,000
San Francisco County California 6 $ 3,331,000 $ 555,000 $ 214,000
San Luis Obispo County California 6 $ 2,526,000 $ 421,000 $ 129,000
Larimer County Colorado 6 $ 2,634,000 $ 439,000 $ 32,000
Otero County Colorado 6 $ 1,018,000 $ 169,000 $ 85,000
Sussex County Delaware 6 $ 1,760,000 $ 293,000 $ 223,000
Chatham County Georgia 6 $ 1,511,000 $ 251,000 $ 112,000
Muscogee County Georgia 6 $ 1,665,000 $ 277,000 $ 60,000
Lake County Illinois 6 $ 1,536,000 $ 256,000 $ 156,000
Madison County Illinois 6 $ 1,161,000 $ 193,000 $ 75,000
Muscatine County Iowa 6 $ 753,000 $ 125,000 $ 48,000
Wilson County Kansas 6 $ 605,000 $ 100,000 $ 52,000
Caddo County Louisiana 6 $ 1,604,000 $ 267,000 $ 55,000
Calvert County Maryland 6 $ 2,088,000 $ 348,000 $ 12,000
Suffolk County Massachusetts 6 $ 1,662,000 $ 277,000 $ 113,000
Wright County Minnesota 6 $ 1,186,000 $ 197,000 $ 66,000
Washoe County Nevada 6 $ 1,872,000 $ 312,000 $ 64,000
Burlington County New Jersey 6 $ 1,344,000 $ 224,000 $ 90,000
Camden County New Jersey 6 $ 1,346,000 $ 224,000 $ 178,000
Jefferson County New York 6 $ 1,366,000 $ 227,000 $ 83,000
Henderson County North Carolina 6 $ 1,290,000 $ 215,000 $ 64,000
Divide County North Dakota 6 $ 705,000 $ 117,000 $ 47,000
Mercer County North Dakota 6 $ 762,000 $ 127,000 $ 85,000
Cleveland County Oklahoma 6 $ 1,435,000 $ 239,000 $ 158,000
Jackson County Oregon 6 $ 1,498,000 $ 249,000 $ 96,000
Berks County Pennsylvania 6 $ 1,327,000 $ 221,000 $ 113,000
Philadelphia County Pennsylvania 6 $ 1,677,000 $ 279,000 $ 108,000
Davis County Utah 6 $ 1,689,000 $ 281,000 $ 110,000
Newport News County Virginia 6 $ 1,297,000 $ 216,000 $ 15,000
Fresno County California 5 $ 995,000 $ 199,000 $ 64,000
San Joaquin County California 5 $ 982,000 $ 196,000 $ 84,000
Solano County California 5 $ 1,344,000 $ 268,000 $ 53,000
Stanislaus County California 5 $ 1,003,000 $ 200,000 $ 91,000
Yolo County California 5 $ 2,001,000 $ 400,000 $ 99,000
Adams County Colorado 5 $ 1,595,000 $ 319,000 $ 99,000
La Plata County Colorado 5 $ 1,463,000 $ 292,000 $ 97,000
Weld County Colorado 5 $ 1,609,000 $ 321,000 $ 55,000
Collier County Florida 5 $ 1,524,000 $ 304,000 $ 173,000
Volusia County Florida 5 $ 1,556,000 $ 311,000 $ 151,000
Camden County Georgia 5 $ 803,000 $ 160,000 $ 41,000
Cherokee County Georgia 5 $ 1,379,000 $ 275,000 $ 41,000
Linn County Iowa 5 $ 704,000 $ 140,000 $ 41,000
Pottawattamie County Iowa 5 $ 1,082,000 $ 216,000 $ 86,000
Stevens County Kansas 5 $ 654,000 $ 130,000 $ 57,000
Bossier County Louisiana 5 $ 1,209,000 $ 241,000 $ 0
Lafayette County Louisiana 5 $ 1,271,000 $ 254,000 $ 64,000
Charles County Maryland 5 $ 1,672,000 $ 334,000 $ 88,000
Macomb County Michigan 5 $ 883,000 $ 176,000 $ 76,000
Ray County Missouri 5 $ 565,000 $ 113,000 $ 35,000
Otoe County Nebraska 5 $ 849,000 $ 169,000 $ 65,000
Strafford County New Hampshire 5 $ 904,000 $ 180,000 $ 60,000
Hudson County New Jersey 5 $ 1,341,000 $ 268,000 $ 118,000
Richmond County New York 5 $ 1,811,000 $ 362,000 $ 76,000
Craven County North Carolina 5 $ 1,152,000 $ 230,000 $ 56,000
Harnett County North Carolina 5 $ 1,591,000 $ 318,000 $ 0
New Hanover County North Carolina 5 $ 1,366,000 $ 273,000 $ 18,000
McHenry County North Dakota 5 $ 574,000 $ 114,000 $ 55,000
Hamilton County Ohio 5 $ 1,494,000 $ 298,000 $ 131,000
Cumberland County Pennsylvania 5 $ 1,437,000 $ 287,000 $ 95,000
Lehigh County Pennsylvania 5 $ 1,715,000 $ 343,000 $ 99,000
Lawrence County South Dakota 5 $ 805,000 $ 161,000 $ 58,000
Meade County South Dakota 5 $ 1,036,000 $ 207,000 $ 56,000
Albemarle County Virginia 5 $ 1,529,000 $ 305,000 $ 65,000
Alexandria County Virginia 5 $ 2,149,000 $ 429,000 $ 69,000
Fredericksburg County Virginia 5 $ 2,180,000 $ 436,000 $ 54,000
Hampton County Virginia 5 $ 927,000 $ 185,000 $ 28,000
Hanover County Virginia 5 $ 1,707,000 $ 341,000 $ 115,000
Suffolk County Virginia 5 $ 1,823,000 $ 364,000 $ 49,000
Baldwin County Alabama 4 $ 968,000 $ 242,000 $ 56,000
Mobile County Alabama 4 $ 922,000 $ 230,000 $ 200,000
Navajo County Arizona 4 $ 564,000 $ 141,000 $ 124,000
Marin County California 4 $ 1,710,000 $ 427,000 $ 129,000
Santa Barbara County California 4 $ 1,247,000 $ 311,000 $ 99,000
Tolland County Connecticut 4 $ 1,014,000 $ 253,000 $ 140,000
Kent County Delaware 4 $ 1,179,000 $ 294,000 $ 126,000
Sumter County Florida 4 $ 1,064,000 $ 266,000 $ 102,000
Douglas County Georgia 4 $ 996,000 $ 249,000 $ 60,000
McHenry County Illinois 4 $ 944,000 $ 236,000 $ 63,000
Mercer County Illinois 4 $ 504,000 $ 126,000 $ 33,000
St. Clair County Illinois 4 $ 1,173,000 $ 293,000 $ 106,000
Will County Illinois 4 $ 1,075,000 $ 268,000 $ 124,000
Marion County Indiana 4 $ 872,000 $ 218,000 $ 16,000
Dubuque County Iowa 4 $ 514,000 $ 128,000 $ 67,000
Jefferson County Kansas 4 $ 577,000 $ 144,000 $ 83,000
Osage County Kansas 4 $ 411,000 $ 102,000 $ 50,000
Pratt County Kansas 4 $ 339,000 $ 84,000 $ 88,000
Reno County Kansas 4 $ 247,000 $ 61,000 $ 29,000
Ascension County Louisiana 4 $ 1,097,000 $ 274,000 $ 90,000
East Baton Rouge County Louisiana 4 $ 1,015,000 $ 253,000 $ 85,000
St. Tammany County Louisiana 4 $ 833,000 $ 208,000 $ 48,000
Carroll County Maryland 4 $ 1,248,000 $ 312,000 $ 126,000
Hampden County Massachusetts 4 $ 1,008,000 $ 252,000 $ 99,000
Hampshire County Massachusetts 4 $ 1,316,000 $ 329,000 $ 356,000
Chisago County Minnesota 4 $ 724,000 $ 181,000 $ 77,000
Sherburne County Minnesota 4 $ 746,000 $ 186,000 $ 70,000
St. Louis County Minnesota 4 $ 1,319,000 $ 329,000 $ 135,000
Harrison County Mississippi 4 $ 756,000 $ 189,000 $ 13,000
Camden County Missouri 4 $ 955,000 $ 238,000 $ 115,000
Park County Montana 4 $ 1,042,000 $ 260,000 $ 108,000
Buffalo County Nebraska 4 $ 429,000 $ 107,000 $ 38,000
Saline County Nebraska 4 $ 410,000 $ 102,000 $ 56,000
Douglas County Nevada 4 $ 1,238,000 $ 309,000 $ 86,000
Essex County New Jersey 4 $ 1,366,000 $ 341,000 $ 184,000
Hunterdon County New Jersey 4 $ 1,707,000 $ 426,000 $ 255,000
Warren County New Jersey 4 $ 867,000 $ 216,000 $ 55,000
Kings County New York 4 $ 1,788,000 $ 447,000 $ 93,000
Putnam County New York 4 $ 1,333,000 $ 333,000 $ 180,000
Rockland County New York 4 $ 1,201,000 $ 300,000 $ 64,000
Carteret County North Carolina 4 $ 963,000 $ 240,000 $ 106,000
Durham County North Carolina 4 $ 983,000 $ 245,000 $ 98,000
Union County North Carolina 4 $ 1,460,000 $ 365,000 $ 148,000
Emmons County North Dakota 4 $ 108,000 $ 27,000 $ 40,000
Grand Forks County North Dakota 4 $ 449,000 $ 112,000 $ 74,000
Stark County North Dakota 4 $ 830,000 $ 207,000 $ 145,000
Clermont County Ohio 4 $ 845,000 $ 211,000 $ 85,000
Montgomery County Ohio 4 $ 905,000 $ 226,000 $ 79,000
Comanche County Oklahoma 4 $ 917,000 $ 229,000 $ 44,000
Benton County Oregon 4 $ 955,000 $ 238,000 $ 30,000
Yamhill County Oregon 4 $ 1,549,000 $ 387,000 $ 93,000
Luzerne County Pennsylvania 4 $ 692,000 $ 173,000 $ 90,000
Kent County Rhode Island 4 $ 1,344,000 $ 336,000 $ 57,000
Washington County Rhode Island 4 $ 1,439,000 $ 359,000 $ 210,000
Anderson County South Carolina 4 $ 713,000 $ 178,000 $ 80,000
Berkeley County South Carolina 4 $ 1,099,000 $ 274,000 $ 85,000
Richland County South Carolina 4 $ 789,000 $ 197,000 $ 61,000
Spartanburg County South Carolina 4 $ 949,000 $ 237,000 $ 99,000
Davidson County Tennessee 4 $ 1,137,000 $ 284,000 $ 88,000
Knox County Tennessee 4 $ 1,377,000 $ 344,000 $ 103,000
Collin County Texas 4 $ 906,000 $ 226,000 $ 75,000
Windham County Vermont 4 $ 1,009,000 $ 252,000 $ 78,000
Isle of Wight County Virginia 4 $ 1,492,000 $ 373,000 $ 0
Island County Washington 4 $ 1,667,000 $ 416,000 $ 102,000
Thurston County Washington 4 $ 1,050,000 $ 262,000 $ 0
Milwaukee County Wisconsin 4 $ 732,000 $ 183,000 $ 107,000
Elmore County Alabama 3 $ 1,032,000 $ 344,000 $ 21,000
Montgomery County Alabama 3 $ 787,000 $ 262,000 $ 131,000
Russell County Alabama 3 $ 731,000 $ 243,000 $ 57,000
Tuscaloosa County Alabama 3 $ 685,000 $ 228,000 $ 44,000
Anchorage County Alaska 3 $ 1,057,000 $ 352,000 $ 298,000
Mohave County Arizona 3 $ 603,000 $ 201,000 $ 40,000
Garland County Arkansas 3 $ 500,000 $ 166,000 $ 12,000
Pulaski County Arkansas 3 $ 517,000 $ 172,000 $ 54,000
Napa County California 3 $ 1,717,000 $ 572,000 $ 347,000
Costilla County Colorado 3 $ 285,000 $ 95,000 $ 44,000
Eagle County Colorado 3 $ 1,396,000 $ 465,000 $ 83,000
Pueblo County Colorado 3 $ 507,000 $ 169,000 $ 51,000
Bay County Florida 3 $ 605,000 $ 201,000 $ 28,000
Polk County Florida 3 $ 811,000 $ 270,000 $ 120,000
Santa Rosa County Florida 3 $ 798,000 $ 266,000 $ 104,000
Bryan County Georgia 3 $ 667,000 $ 222,000 $ 0
Henry County Georgia 3 $ 539,000 $ 179,000 $ 98,000
Newton County Georgia 3 $ 682,000 $ 227,000 $ 10,000
Paulding County Georgia 3 $ 636,000 $ 212,000 $ 133,000
Boone County Indiana 3 $ 901,000 $ 300,000 $ 187,000
Monroe County Indiana 3 $ 686,000 $ 228,000 $ 32,000
Tippecanoe County Indiana 3 $ 612,000 $ 204,000 $ 117,000
Cedar County Iowa 3 $ 310,000 $ 103,000 $ 32,000
Dallas County Iowa 3 $ 853,000 $ 284,000 $ 103,000
Jones County Iowa 3 $ 445,000 $ 148,000 $ 81,000
Story County Iowa 3 $ 530,000 $ 176,000 $ 32,000
Allen County Kansas 3 $ 412,000 $ 137,000 $ 47,000
Cowley County Kansas 3 $ 193,000 $ 64,000 $ 25,000
Linn County Kansas 3 $ 516,000 $ 172,000 $ 68,000
Boone County Kentucky 3 $ 894,000 $ 298,000 $ 140,000
Fayette County Kentucky 3 $ 554,000 $ 184,000 $ 122,000
Hardin County Kentucky 3 $ 698,000 $ 232,000 $ 0
Penobscot County Maine 3 $ 403,000 $ 134,000 $ 119,000
York County Maine 3 $ 926,000 $ 308,000 $ 60,000
Cecil County Maryland 3 $ 964,000 $ 321,000 $ 41,000
Harford County Maryland 3 $ 872,000 $ 290,000 $ 129,000
Kent County Michigan 3 $ 899,000 $ 299,000 $ 211,000
Livingston County Michigan 3 $ 822,000 $ 274,000 $ 150,000
DeSoto County Mississippi 3 $ 727,000 $ 242,000 $ 38,000
Hinds County Mississippi 3 $ 456,000 $ 152,000 $ 48,000
Boone County Missouri 3 $ 1,195,000 $ 398,000 $ 78,000
Buchanan County Missouri 3 $ 560,000 $ 186,000 $ 119,000
Greene County Missouri 3 $ 426,000 $ 142,000 $ 63,000
Jasper County Missouri 3 $ 230,000 $ 76,000 $ 42,000
Newton County Missouri 3 $ 557,000 $ 185,000 $ 84,000
Cascade County Montana 3 $ 474,000 $ 158,000 $ 50,000
Yellowstone County Montana 3 $ 737,000 $ 245,000 $ 104,000
Adams County Nebraska 3 $ 542,000 $ 180,000 $ 70,000
Washington County Nebraska 3 $ 582,000 $ 194,000 $ 73,000
Grafton County New Hampshire 3 $ 604,000 $ 201,000 $ 87,000
Merrimack County New Hampshire 3 $ 754,000 $ 251,000 $ 122,000
Cape May County New Jersey 3 $ 921,000 $ 307,000 $ 181,000
Gloucester County New Jersey 3 $ 896,000 $ 298,000 $ 135,000
Dona Ana County New Mexico 3 $ 926,000 $ 308,000 $ 57,000
Monroe County New York 3 $ 1,044,000 $ 348,000 $ 220,000
Ontario County New York 3 $ 824,000 $ 274,000 $ 93,000
Saratoga County New York 3 $ 877,000 $ 292,000 $ 111,000
Buncombe County North Carolina 3 $ 972,000 $ 324,000 $ 67,000
Chatham County North Carolina 3 $ 1,130,000 $ 376,000 $ 172,000
Hoke County North Carolina 3 $ 455,000 $ 151,000 $ 21,000
Pitt County North Carolina 3 $ 553,000 $ 184,000 $ 52,000
Wayne County North Carolina 3 $ 522,000 $ 174,000 $ 0
Cuyahoga County Ohio 3 $ 740,000 $ 246,000 $ 144,000
Delaware County Ohio 3 $ 828,000 $ 276,000 $ 124,000
Lorain County Ohio 3 $ 610,000 $ 203,000 $ 76,000
Lucas County Ohio 3 $ 607,000 $ 202,000 $ 248,000
Douglas County Oregon 3 $ 783,000 $ 261,000 $ 74,000
Dauphin County Pennsylvania 3 $ 1,189,000 $ 396,000 $ 119,000
Lebanon County Pennsylvania 3 $ 707,000 $ 235,000 $ 16,000
Northampton County Pennsylvania 3 $ 1,465,000 $ 488,000 $ 319,000
Lexington County South Carolina 3 $ 428,000 $ 142,000 $ 58,000
Oconee County South Carolina 3 $ 1,009,000 $ 336,000 $ 76,000
Union County South Dakota 3 $ 399,000 $ 133,000 $ 133,000
Hamilton County Tennessee 3 $ 728,000 $ 242,000 $ 78,000
Sevier County Tennessee 3 $ 942,000 $ 314,000 $ 160,000
Williamson County Tennessee 3 $ 978,000 $ 326,000 $ 67,000
Denton County Texas 3 $ 404,000 $ 134,000 $ 56,000
Harris County Texas 3 $ 793,000 $ 264,000 $ 182,000
Weber County Utah 3 $ 595,000 $ 198,000 $ 59,000
Rutland County Vermont 3 $ 582,000 $ 194,000 $ 88,000
Frederick County Virginia 3 $ 577,000 $ 192,000 $ 80,000
Powhatan County Virginia 3 $ 705,000 $ 235,000 $ 117,000
York County Virginia 3 $ 809,000 $ 269,000 $ 103,000
Benton County Washington 3 $ 746,000 $ 248,000 $ 60,000
Skagit County Washington 3 $ 1,139,000 $ 379,000 $ 65,000
Spokane County Washington 3 $ 723,000 $ 241,000 $ 87,000
Monongalia County West Virginia 3 $ 623,000 $ 207,000 $ 100,000
Polk County Wisconsin 3 $ 704,000 $ 234,000 $ 85,000
Laramie County Wyoming 3 $ 512,000 $ 170,000 $ 8,000
Henry County Alabama 2 $ 405,000 $ 202,000 $ 27,000
Houston County Alabama 2 $ 367,000 $ 183,000 $ 63,000
St. Clair County Alabama 2 $ 403,000 $ 201,000 $ 118,000
Apache County Arizona 2 $ 386,000 $ 193,000 $ 102,000
Coconino County Arizona 2 $ 470,000 $ 235,000 $ 431,000
Gila County Arizona 2 $ 329,000 $ 164,000 $ 120,000
Yavapai County Arizona 2 $ 722,000 $ 361,000 $ 115,000
Saline County Arkansas 2 $ 476,000 $ 238,000 $ 39,000
Calaveras County California 2 $ 506,000 $ 253,000 $ 110,000
Nevada County California 2 $ 484,000 $ 242,000 $ 97,000
Archuleta County Colorado 2 $ 660,000 $ 330,000 $ 76,000
Grand County Colorado 2 $ 544,000 $ 272,000 $ 91,000
Litchfield County Connecticut 2 $ 341,000 $ 170,000 $ 76,000
Flagler County Florida 2 $ 358,000 $ 179,000 $ 83,000
Gulf County Florida 2 $ 617,000 $ 308,000 $ 164,000
Hernando County Florida 2 $ 437,000 $ 218,000 $ 74,000
Marion County Florida 2 $ 436,000 $ 218,000 $ 59,000
Monroe County Florida 2 $ 636,000 $ 318,000 $ 239,000
Barrow County Georgia 2 $ 480,000 $ 240,000 $ 58,000
Coweta County Georgia 2 $ 420,000 $ 210,000 $ 46,000
Hall County Georgia 2 $ 497,000 $ 248,000 $ 77,000
Houston County Georgia 2 $ 229,000 $ 114,000 $ 61,000
Jones County Georgia 2 $ 424,000 $ 212,000 $ 67,000
Rabun County Georgia 2 $ 1,158,000 $ 579,000 $ 159,000
Richmond County Georgia 2 $ 294,000 $ 147,000 $ 20,000
Spalding County Georgia 2 $ 425,000 $ 212,000 $ 111,000
Towns County Georgia 2 $ 543,000 $ 271,000 $ 369,000
Benewah County Idaho 2 $ 336,000 $ 168,000 $ 37,000
Bonneville County Idaho 2 $ 475,000 $ 237,000 $ 0
Kane County Illinois 2 $ 810,000 $ 405,000 $ 164,000
McDonough County Illinois 2 $ 163,000 $ 81,000 $ 65,000
Whiteside County Illinois 2 $ 126,000 $ 63,000 $ 41,000
Clark County Indiana 2 $ 353,000 $ 176,000 $ 79,000
Elkhart County Indiana 2 $ 296,000 $ 148,000 $ 38,000
Franklin County Indiana 2 $ 380,000 $ 190,000 $ 123,000
Hancock County Indiana 2 $ 244,000 $ 122,000 $ 0
Hendricks County Indiana 2 $ 294,000 $ 147,000 $ 70,000
Lawrence County Indiana 2 $ 299,000 $ 149,000 $ 0
Barber County Kansas 2 $ 148,000 $ 74,000 $ 31,000
Cherokee County Kansas 2 $ 139,000 $ 69,000 $ 41,000
Franklin County Kansas 2 $ 309,000 $ 154,000 $ 83,000
Geary County Kansas 2 $ 443,000 $ 221,000 $ 118,000
Jackson County Kansas 2 $ 454,000 $ 227,000 $ 54,000
Marion County Kansas 2 $ 170,000 $ 85,000 $ 46,000
Riley County Kansas 2 $ 369,000 $ 184,000 $ 232,000
Saline County Kansas 2 $ 194,000 $ 97,000 $ 74,000
Christian County Kentucky 2 $ 266,000 $ 133,000 $ 40,000
Franklin County Kentucky 2 $ 318,000 $ 159,000 $ 63,000
Oldham County Kentucky 2 $ 603,000 $ 301,000 $ 135,000
Scott County Kentucky 2 $ 510,000 $ 255,000 $ 28,000
Orleans County Louisiana 2 $ 469,000 $ 234,000 $ 79,000
Rapides County Louisiana 2 $ 587,000 $ 293,000 $ 37,000
Terrebonne County Louisiana 2 $ 314,000 $ 157,000 $ 40,000
Kennebec County Maine 2 $ 410,000 $ 205,000 $ 58,000
Sagadahoc County Maine 2 $ 466,000 $ 233,000 $ 134,000
Washington County Maryland 2 $ 551,000 $ 275,000 $ 0
Worcester County Maryland 2 $ 630,000 $ 315,000 $ 280,000
Ingham County Michigan 2 $ 423,000 $ 211,000 $ 128,000
Aitkin County Minnesota 2 $ 430,000 $ 215,000 $ 106,000
Crow Wing County Minnesota 2 $ 611,000 $ 305,000 $ 107,000
Kandiyohi County Minnesota 2 $ 633,000 $ 316,000 $ 100,000
Nobles County Minnesota 2 $ 266,000 $ 133,000 $ 104,000
Otter Tail County Minnesota 2 $ 339,000 $ 169,000 $ 206,000
Pennington County Minnesota 2 $ 205,000 $ 102,000 $ 59,000
Polk County Minnesota 2 $ 348,000 $ 174,000 $ 82,000
Rice County Minnesota 2 $ 297,000 $ 148,000 $ 89,000
Lauderdale County Mississippi 2 $ 410,000 $ 205,000 $ 54,000
Madison County Mississippi 2 $ 298,000 $ 149,000 $ 102,000
Newton County Mississippi 2 $ 419,000 $ 209,000 $ 41,000
Andrew County Missouri 2 $ 484,000 $ 242,000 $ 43,000
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Mortgage Loan Application Detail Totals for Bnc National Bank in 2012

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 4,976 $1,316,991,000 $264,000 $1,700,000 $97,000 $1,860,000
Home Purchase 1,472 $267,404,000 $181,000 $1,500,000 $88,000 $5,012,000
Home Improvement 316 $78,658,000 $248,000 $781,000 $117,000 $825,000

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 4,855 $1,138,084,000 $234,000 $1,500,000 $94,000 $5,012,000
Not Provided 988 $291,655,000 $295,000 $1,131,000 $114,000 $1,355,000
Asian 406 $112,434,000 $276,000 $795,000 $107,000 $1,170,000
Hispanic 258 $61,022,000 $236,000 $1,700,000 $78,000 $1,020,000
Black or African American 214 $48,896,000 $228,000 $980,000 $57,000 $504,000
American Indian or Alaskan Native 33 $8,550,000 $259,000 $550,000 $64,000 $310,000
Native Hawaiian or Other Pacific Islander 8 $2,232,000 $279,000 $415,000 $37,000 $123,000
Not applicable 2 $180,000 $90,000 $96,000 $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
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 3,346 $855,348,000 $255,000 $1,700,000 $134,000 $5,012,000
VA-guaranteed (Veterans Administration) 2,220 $633,205,000 $285,000 $1,379,000 $55,000 $1,170,000
FHA-insured (Federal Housing Administration) 1,088 $161,319,000 $148,000 $750,000 $63,000 $504,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 110 $13,181,000 $119,000 $255,000 $51,000 $244,000

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 4,716 $1,167,290,000 $247,000 $1,500,000 $91,000 $5,012,000
Application Withdrawn By Applicant 1,219 $297,926,000 $244,000 $1,379,000 $112,000 $1,355,000
Application Denied By Financial Institution 812 $194,028,000 $238,000 $1,700,000 $94,000 $1,860,000
Application Approved But Not Accepted 15 $3,553,000 $236,000 $409,000 $143,000 $355,000
File Closed For Incompleteness 2 $256,000 $128,000 $150,000 $69,000 $80,000
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 315 $84,068,000 $266,000 $998,000 $114,000 $1,860,000
Credit History 250 $45,666,000 $182,000 $1,700,000 $72,000 $630,000
Debt-To-Income Ratio 136 $35,004,000 $257,000 $1,310,000 $83,000 $325,000
Other 47 $13,472,000 $286,000 $872,000 $120,000 $410,000
Unverifiable Information 22 $5,966,000 $271,000 $500,000 $116,000 $537,000
Insufficient Cash (Downpayment, Closing Cost) 22 $5,469,000 $248,000 $792,000 $76,000 $178,000
Employment History 12 $3,254,000 $271,000 $442,000 $83,000 $180,000
Credit Application Incomplete 7 $1,005,000 $143,000 $320,000 $79,000 $168,000
Mortgage Insurance Denied 1 $124,000 $124,000 $124,000 $91,000 $91,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bnc National Bank's 2012 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.
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