BNC National Bank Mortgage Lending & HMDA Data, 2018

In 2018, BNC National Bank of Bismarck, ND reported 3,912 mortgage applications totaling $1.2 billion, up 2% from 2017. The average application was for $304,406, and applicants reported an average income of $115,738. 57% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Wichita, KS (261), Kansas City, MO-KS (191) and Bismarck, ND (146) (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 3,912
Total Mortgage Loan Application Amount $1,190,840,000
Average Mortgage Loan Application Amount $304,406
Highest Mortgage Loan Application Amount $5,225,000
Average Applicant Income $115,738
Highest Applicant Income $2,220,000

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Act (HMDA) records BNC National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for BNC National Bank by County in 2018

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Sedgwick, Kansas 219 $ 35,295,000 $ 161,164 $ 77,000
Clark, Nevada 122 $ 39,740,000 $ 325,737 $ 123,000
Burleigh, North Dakota 118 $ 18,750,000 $ 158,898 $ 44,000
Laclede, Missouri 111 $ 12,075,000 $ 108,783 $ 44,000
Johnson, Kansas 70 $ 16,580,000 $ 236,857 $ 91,000
Maricopa, Arizona 67 $ 17,725,000 $ 264,552 $ 96,000
Jackson, Missouri 50 $ 9,520,000 $ 190,400 $ 104,000
Los Angeles, California 45 $ 20,515,000 $ 455,888 $ 131,000
Riverside, California 40 $ 15,650,000 $ 391,250 $ 125,000
San Diego, California 36 $ 18,510,000 $ 514,166 $ 128,000
El Paso, Colorado 34 $ 11,590,000 $ 340,882 $ 98,000
Butler, Kansas 34 $ 5,190,000 $ 152,647 $ 76,000
Hillsborough, Florida 32 $ 10,550,000 $ 329,687 $ 107,000
Fairfax, Virginia 30 $ 14,160,000 $ 472,000 $ 241,000
King, Washington 29 $ 15,515,000 $ 535,000 $ 166,000
Orange, Florida 28 $ 8,890,000 $ 317,500 $ 128,000
Morton, North Dakota 28 $ 4,030,000 $ 143,928 $ 34,000
Rock Island, Illinois 27 $ 3,645,000 $ 135,000 $ 62,000
Broward, Florida 23 $ 8,115,000 $ 352,826 $ 106,000
Wyandotte, Kansas 23 $ 2,885,000 $ 125,434 $ 54,000
Pierce, Washington 23 $ 8,885,000 $ 386,304 $ 139,000
Miami-Dade, Florida 22 $ 7,450,000 $ 338,636 $ 139,000
Palm Beach, Florida 22 $ 7,490,000 $ 340,454 $ 124,000
Henry, Illinois 22 $ 2,520,000 $ 114,545 $ 52,000
Wake, North Carolina 22 $ 8,140,000 $ 370,000 $ 121,000
Cobb, Georgia 20 $ 5,670,000 $ 283,500 $ 96,000
Gwinnett, Georgia 20 $ 6,190,000 $ 309,500 $ 121,000
McLean, North Dakota 20 $ 1,930,000 $ 96,500 $ 29,000
Harris, Texas 20 $ 6,860,000 $ 343,000 $ 230,000
Fulton, Georgia 19 $ 7,765,000 $ 408,684 $ 132,000
Hennepin, Minnesota 19 $ 4,435,000 $ 233,421 $ 94,000
Mecklenburg, North Carolina 19 $ 7,525,000 $ 396,052 $ 155,000
San Bernardino, California 18 $ 7,410,000 $ 411,666 $ 152,000
Douglas, Colorado 17 $ 8,705,000 $ 512,058 $ 167,000
Williamson, Tennessee 17 $ 7,465,000 $ 439,117 $ 157,000
Salt Lake, Utah 17 $ 6,715,000 $ 395,000 $ 98,000
DeKalb, Georgia 16 $ 5,530,000 $ 345,625 $ 146,000
Scott, Iowa 16 $ 2,340,000 $ 146,250 $ 54,000
Washoe, Nevada 16 $ 5,680,000 $ 355,000 $ 94,000
Bernalillo, New Mexico 16 $ 5,110,000 $ 319,375 $ 154,000
Snohomish, Washington 16 $ 8,220,000 $ 513,750 $ 171,000
Montgomery, Maryland 15 $ 7,135,000 $ 475,666 $ 162,000
Clay, Missouri 15 $ 3,035,000 $ 202,333 $ 76,000
Greenville, South Carolina 15 $ 4,575,000 $ 305,000 $ 137,000
Alameda, California 14 $ 8,570,000 $ 612,142 $ 193,000
Orange, California 14 $ 9,230,000 $ 659,285 $ 184,000
Denver, Colorado 14 $ 6,710,000 $ 479,285 $ 207,000
Lee, Florida 14 $ 4,560,000 $ 325,714 $ 115,000
Okaloosa, Florida 14 $ 4,770,000 $ 340,714 $ 90,000
Cass, Missouri 14 $ 2,830,000 $ 202,142 $ 90,000
Montgomery, Tennessee 14 $ 4,020,000 $ 287,142 $ 87,000
Sacramento, California 13 $ 4,605,000 $ 354,230 $ 150,000
Santa Clara, California 13 $ 9,455,000 $ 727,307 $ 159,000
Brevard, Florida 13 $ 3,905,000 $ 300,384 $ 100,000
Pinellas, Florida 13 $ 4,235,000 $ 325,769 $ 173,000
Cook, Illinois 13 $ 3,505,000 $ 269,615 $ 115,000
Loudoun, Virginia 13 $ 6,045,000 $ 465,000 $ 165,000
San Joaquin, California 12 $ 4,060,000 $ 338,333 $ 91,000
Hamilton, Indiana 12 $ 4,710,000 $ 392,500 $ 156,000
Oakland, Michigan 12 $ 4,410,000 $ 367,500 $ 235,000
Washington, Oregon 12 $ 4,620,000 $ 385,000 $ 172,000
El Paso, Texas 12 $ 3,450,000 $ 287,500 $ 183,000
Prince William, Virginia 12 $ 4,740,000 $ 395,000 $ 153,000
Duval, Florida 11 $ 3,325,000 $ 302,272 $ 125,000
Baltimore, Maryland 11 $ 3,195,000 $ 290,454 $ 263,000
Prince George's, Maryland 11 $ 4,085,000 $ 371,363 $ 285,000
Richland, South Carolina 11 $ 2,715,000 $ 246,818 $ 121,000
Madison, Alabama 10 $ 3,210,000 $ 321,000 $ 126,000
Benton, Arkansas 10 $ 3,420,000 $ 342,000 $ 157,000
Ventura, California 10 $ 4,760,000 $ 476,000 $ 159,000
Arapahoe, Colorado 10 $ 3,900,000 $ 390,000 $ 86,000
Polk, Florida 10 $ 2,490,000 $ 249,000 $ 86,000
St. Johns, Florida 10 $ 3,810,000 $ 381,000 $ 140,000
Columbia, Georgia 10 $ 3,810,000 $ 381,000 $ 145,000
Ada, Idaho 10 $ 3,300,000 $ 330,000 $ 121,000
Leavenworth, Kansas 10 $ 2,480,000 $ 248,000 $ 100,000
Chester, Pennsylvania 10 $ 4,600,000 $ 460,000 $ 153,000
Montgomery, Pennsylvania 10 $ 2,930,000 $ 293,000 $ 120,000
Charleston, South Carolina 10 $ 3,630,000 $ 363,000 $ 105,000
Davidson, Tennessee 10 $ 2,810,000 $ 281,000 $ 101,000
Tarrant, Texas 10 $ 2,970,000 $ 297,000 $ 95,000
Thurston, Washington 10 $ 3,100,000 $ 310,000 $ 158,000
Dane, Wisconsin 10 $ 4,390,000 $ 439,000 $ 177,000
Solano, California 9 $ 3,345,000 $ 371,666 $ 90,000
Jefferson, Colorado 9 $ 3,255,000 $ 361,666 $ 142,000
Fairfield, Connecticut 9 $ 3,785,000 $ 420,555 $ 153,000
District of Columbia, District Of Columbia 9 $ 4,815,000 $ 535,000 $ 153,000
Manatee, Florida 9 $ 2,995,000 $ 332,777 $ 125,000
Santa Rosa, Florida 9 $ 2,155,000 $ 239,444 $ 91,000
Volusia, Florida 9 $ 3,015,000 $ 335,000 $ 104,000
Norfolk, Massachusetts 9 $ 4,655,000 $ 517,222 $ 123,000
Kent, Michigan 9 $ 3,515,000 $ 390,555 $ 144,000
McKenzie, North Dakota 9 $ 2,095,000 $ 232,777 $ 81,000
Franklin, Ohio 9 $ 3,865,000 $ 429,444 $ 163,000
Bucks, Pennsylvania 9 $ 3,905,000 $ 433,888 $ 224,000
Collin, Texas 9 $ 3,325,000 $ 369,444 $ 194,000
Denton, Texas 9 $ 3,255,000 $ 361,666 $ 193,000
Fort Bend, Texas 9 $ 3,565,000 $ 396,111 $ 137,000
Virginia Beach, Virginia 9 $ 2,755,000 $ 306,111 $ 102,000
Kitsap, Washington 9 $ 3,315,000 $ 368,333 $ 116,000
Collier, Florida 8 $ 2,370,000 $ 296,250 $ 125,000
Sarasota, Florida 8 $ 2,390,000 $ 298,750 $ 93,000
Seminole, Florida 8 $ 2,450,000 $ 306,250 $ 107,000
Chatham, Georgia 8 $ 3,090,000 $ 386,250 $ 107,000
Cherokee, Georgia 8 $ 2,160,000 $ 270,000 $ 142,000
Forsyth, Georgia 8 $ 2,980,000 $ 372,500 $ 133,000
Henry, Georgia 8 $ 2,620,000 $ 327,500 $ 125,000
Crawford, Kansas 8 $ 810,000 $ 101,250 $ 51,000
Shawnee, Kansas 8 $ 1,340,000 $ 167,500 $ 83,000
Anne Arundel, Maryland 8 $ 2,840,000 $ 355,000 $ 123,000
Bristol, Massachusetts 8 $ 2,700,000 $ 337,500 $ 87,000
Middlesex, Massachusetts 8 $ 5,170,000 $ 646,250 $ 221,000
Bergen, New Jersey 8 $ 3,860,000 $ 482,500 $ 177,000
Middlesex, New Jersey 8 $ 2,560,000 $ 320,000 $ 118,000
Moore, North Carolina 8 $ 2,860,000 $ 357,500 $ 103,000
Cuyahoga, Ohio 8 $ 2,260,000 $ 282,500 $ 109,000
Rutherford, Tennessee 8 $ 2,150,000 $ 268,750 $ 143,000
Bexar, Texas 8 $ 2,410,000 $ 301,250 $ 184,000
Dallas, Texas 8 $ 3,070,000 $ 383,750 $ 146,000
Travis, Texas 8 $ 4,100,000 $ 512,500 $ 364,000
Williamson, Texas 8 $ 2,110,000 $ 263,750 $ 128,000
Utah, Utah 8 $ 2,690,000 $ 336,250 $ 137,000
Clark, Washington 8 $ 2,690,000 $ 336,250 $ 110,000
Jefferson, Alabama 7 $ 2,955,000 $ 422,142 $ 159,000
Adams, Colorado 7 $ 2,455,000 $ 350,714 $ 84,000
Hartford, Connecticut 7 $ 2,825,000 $ 403,571 $ 170,000
Escambia, Florida 7 $ 1,455,000 $ 207,857 $ 89,000
Cowley, Kansas 7 $ 665,000 $ 95,000 $ 95,000
Genesee, Michigan 7 $ 2,385,000 $ 340,714 $ 117,000
Mercer, New Jersey 7 $ 2,925,000 $ 417,857 $ 159,000
Hamilton, Ohio 7 $ 1,895,000 $ 270,714 $ 113,000
Beaufort, South Carolina 7 $ 2,285,000 $ 326,428 $ 76,000
Berkeley, South Carolina 7 $ 1,945,000 $ 277,857 $ 84,000
Dorchester, South Carolina 7 $ 1,865,000 $ 266,428 $ 91,000
Horry, South Carolina 7 $ 2,275,000 $ 325,000 $ 93,000
Hamilton, Tennessee 7 $ 2,015,000 $ 287,857 $ 121,000
Knox, Tennessee 7 $ 2,535,000 $ 362,142 $ 144,000
Washington, Utah 7 $ 3,215,000 $ 459,285 $ 247,000
Chesapeake, Virginia 7 $ 2,645,000 $ 377,857 $ 139,000
Waukesha, Wisconsin 7 $ 2,565,000 $ 366,428 $ 117,000
Pulaski, Arkansas 6 $ 1,810,000 $ 301,666 $ 107,000
El Dorado, California 6 $ 2,730,000 $ 455,000 $ 184,000
Placer, California 6 $ 2,570,000 $ 428,333 $ 309,000
San Mateo, California 6 $ 4,650,000 $ 775,000 $ 229,000
New Haven, Connecticut 6 $ 1,930,000 $ 321,666 $ 126,000
Muscogee, Georgia 6 $ 2,210,000 $ 368,333 $ 252,000
Kootenai, Idaho 6 $ 2,050,000 $ 341,666 $ 132,000
Des Moines, Iowa 6 $ 620,000 $ 103,333 $ 105,000
Reno, Kansas 6 $ 630,000 $ 105,000 $ 57,000
Charles, Maryland 6 $ 1,840,000 $ 306,666 $ 76,000
Howard, Maryland 6 $ 2,740,000 $ 456,666 $ 155,000
Barnstable, Massachusetts 6 $ 2,310,000 $ 385,000 $ 197,000
Worcester, Massachusetts 6 $ 1,690,000 $ 281,666 $ 142,000
Ocean, New Jersey 6 $ 1,620,000 $ 270,000 $ 106,000
Forsyth, North Carolina 6 $ 1,470,000 $ 245,000 $ 96,000
Mountrail, North Dakota 6 $ 880,000 $ 146,666 $ 54,000
Tulsa, Oklahoma 6 $ 2,000,000 $ 333,333 $ 158,000
Multnomah, Oregon 6 $ 2,030,000 $ 338,333 $ 130,000
Philadelphia, Pennsylvania 6 $ 1,800,000 $ 300,000 $ 106,000
Sumter, South Carolina 6 $ 1,650,000 $ 275,000 $ 85,000
Sumner, Tennessee 6 $ 2,800,000 $ 466,666 $ 128,000
Stafford, Virginia 6 $ 2,520,000 $ 420,000 $ 124,000
Cowlitz, Washington 6 $ 2,110,000 $ 351,666 $ 120,000
Whatcom, Washington 6 $ 2,440,000 $ 406,666 $ 109,000
Montgomery, Alabama 5 $ 1,775,000 $ 355,000 $ 153,000
Pinal, Arizona 5 $ 1,155,000 $ 231,000 $ 103,000
Yavapai, Arizona 5 $ 1,275,000 $ 255,000 $ 143,000
Contra Costa, California 5 $ 2,295,000 $ 459,000 $ 182,000
Kern, California 5 $ 1,645,000 $ 329,000 $ 134,000
Monterey, California 5 $ 3,365,000 $ 673,000 $ 131,000
Larimer, Colorado 5 $ 1,425,000 $ 285,000 $ 84,000
Pueblo, Colorado 5 $ 1,385,000 $ 277,000 $ 89,000
Clay, Florida 5 $ 1,475,000 $ 295,000 $ 131,000
Marion, Florida 5 $ 1,605,000 $ 321,000 $ 153,000
Bryan, Georgia 5 $ 1,525,000 $ 305,000 $ 107,000
Houston, Georgia 5 $ 1,565,000 $ 313,000 $ 165,000
Miami, Kansas 5 $ 1,015,000 $ 203,000 $ 69,000
Jefferson, Kentucky 5 $ 1,845,000 $ 369,000 $ 193,000
St. Mary's, Maryland 5 $ 1,925,000 $ 385,000 $ 152,000
Wayne, Michigan 5 $ 1,355,000 $ 271,000 $ 115,000
Anoka, Minnesota 5 $ 1,115,000 $ 223,000 $ 63,000
Rockingham, New Hampshire 5 $ 1,625,000 $ 325,000 $ 75,000
Hudson, New Jersey 5 $ 2,355,000 $ 471,000 $ 192,000
Monmouth, New Jersey 5 $ 1,785,000 $ 357,000 $ 160,000
Cumberland, North Carolina 5 $ 1,165,000 $ 233,000 $ 94,000
Johnston, North Carolina 5 $ 1,775,000 $ 355,000 $ 122,000
Pitt, North Carolina 5 $ 1,235,000 $ 247,000 $ 87,000
Emmons, North Dakota 5 $ 105,000 $ 21,000 $ 9,000
Greene, Ohio 5 $ 1,195,000 $ 239,000 $ 86,000
Medina, Ohio 5 $ 1,285,000 $ 257,000 $ 84,000
Oklahoma, Oklahoma 5 $ 1,805,000 $ 361,000 $ 150,000
Marion, Oregon 5 $ 1,465,000 $ 293,000 $ 124,000
Delaware, Pennsylvania 5 $ 1,645,000 $ 329,000 $ 145,000
Lexington, South Carolina 5 $ 1,705,000 $ 341,000 $ 186,000
Pennington, South Dakota 5 $ 2,045,000 $ 409,000 $ 323,000
Davis, Utah 5 $ 1,685,000 $ 337,000 $ 88,000
Chesterfield, Virginia 5 $ 1,395,000 $ 279,000 $ 84,000
Henrico, Virginia 5 $ 1,545,000 $ 309,000 $ 169,000
Spotsylvania, Virginia 5 $ 1,925,000 $ 385,000 $ 155,000
Benton, Washington 5 $ 1,685,000 $ 337,000 $ 111,000
Milwaukee, Wisconsin 5 $ 1,855,000 $ 371,000 $ 117,000
Baldwin, Alabama 4 $ 1,520,000 $ 380,000 $ 149,000
Lee, Alabama 4 $ 1,290,000 $ 322,500 $ 114,000
Limestone, Alabama 4 $ 1,050,000 $ 262,500 $ 89,000
Cochise, Arizona 4 $ 1,040,000 $ 260,000 $ 64,000
Pima, Arizona 4 $ 1,180,000 $ 295,000 $ 93,000
Washington, Arkansas 4 $ 1,810,000 $ 452,500 $ 157,000
Fresno, California 4 $ 1,490,000 $ 372,500 $ 111,000
Stanislaus, California 4 $ 1,270,000 $ 317,500 $ 106,000
Yolo, California 4 $ 1,090,000 $ 272,500 $ 203,000
La Plata, Colorado 4 $ 1,700,000 $ 425,000 $ 75,000
Weld, Colorado 4 $ 1,590,000 $ 397,500 $ 100,000
New Castle, Delaware 4 $ 1,040,000 $ 260,000 $ 109,000
Sussex, Delaware 4 $ 1,270,000 $ 317,500 $ 156,000
Bay, Florida 4 $ 1,400,000 $ 350,000 $ 124,000
Pasco, Florida 4 $ 1,440,000 $ 360,000 $ 133,000
Coweta, Georgia 4 $ 1,300,000 $ 325,000 $ 148,000
Walton, Georgia 4 $ 1,070,000 $ 267,500 $ 83,000
Lake, Illinois 4 $ 1,930,000 $ 482,500 $ 141,000
Will, Illinois 4 $ 830,000 $ 207,500 $ 91,000
Johnson, Indiana 4 $ 1,010,000 $ 252,500 $ 106,000
East Baton Rouge, Louisiana 4 $ 1,200,000 $ 300,000 $ 110,000
St. Tammany, Louisiana 4 $ 1,080,000 $ 270,000 $ 168,000
Frederick, Maryland 4 $ 1,530,000 $ 382,500 $ 126,000
Harford, Maryland 4 $ 1,520,000 $ 380,000 $ 116,000
Suffolk, Massachusetts 4 $ 1,870,000 $ 467,500 $ 187,000
DeSoto, Mississippi 4 $ 1,350,000 $ 337,500 $ 120,000
Newton, Missouri 4 $ 590,000 $ 147,500 $ 84,000
Platte, Missouri 4 $ 570,000 $ 142,500 $ 56,000
Douglas, Nebraska 4 $ 920,000 $ 230,000 $ 96,000
Merrimack, New Hampshire 4 $ 1,380,000 $ 345,000 $ 134,000
Atlantic, New Jersey 4 $ 1,480,000 $ 370,000 $ 108,000
Camden, New Jersey 4 $ 960,000 $ 240,000 $ 149,000
Essex, New Jersey 4 $ 1,480,000 $ 370,000 $ 120,000
Gloucester, New Jersey 4 $ 1,160,000 $ 290,000 $ 103,000
Santa Fe, New Mexico 4 $ 6,390,000 $ 1,597,500 $ 184,000
Cabarrus, North Carolina 4 $ 1,090,000 $ 272,500 $ 105,000
Chatham, North Carolina 4 $ 1,910,000 $ 477,500 $ 150,000
Dare, North Carolina 4 $ 1,420,000 $ 355,000 $ 97,000
Iredell, North Carolina 4 $ 1,740,000 $ 435,000 $ 166,000
Divide, North Dakota 4 $ 430,000 $ 107,500 $ 36,000
Brown, Ohio 4 $ 1,190,000 $ 297,500 $ 165,000
Delaware, Ohio 4 $ 1,760,000 $ 440,000 $ 155,000
Montgomery, Ohio 4 $ 1,200,000 $ 300,000 $ 96,000
Stark, Ohio 4 $ 900,000 $ 225,000 $ 79,000
Warren, Ohio 4 $ 1,500,000 $ 375,000 $ 118,000
Deschutes, Oregon 4 $ 1,380,000 $ 345,000 $ 91,000
Allegheny, Pennsylvania 4 $ 850,000 $ 212,500 $ 77,000
Spartanburg, South Carolina 4 $ 1,120,000 $ 280,000 $ 91,000
York, South Carolina 4 $ 1,330,000 $ 332,500 $ 130,000
Robertson, Tennessee 4 $ 1,040,000 $ 260,000 $ 86,000
Sevier, Tennessee 4 $ 1,430,000 $ 357,500 $ 225,000
Washington, Tennessee 4 $ 1,280,000 $ 320,000 $ 126,000
Montgomery, Texas 4 $ 1,390,000 $ 347,500 $ 179,000
Arlington, Virginia 4 $ 2,220,000 $ 555,000 $ 221,000
Norfolk, Virginia 4 $ 1,670,000 $ 417,500 $ 36,000
Skagit, Washington 4 $ 1,410,000 $ 352,500 $ 94,000
St. Croix, Wisconsin 4 $ 1,820,000 $ 455,000 $ 170,000
Houston, Alabama 3 $ 855,000 $ 285,000 $ 95,000
Mohave, Arizona 3 $ 625,000 $ 208,333 $ 78,000
Marin, California 3 $ 1,995,000 $ 665,000 $ 121,000
Santa Barbara, California 3 $ 1,075,000 $ 358,333 $ 127,000
Sonoma, California 3 $ 1,445,000 $ 481,666 $ 237,000
Boulder, Colorado 3 $ 1,215,000 $ 405,000 $ 117,000
New London, Connecticut 3 $ 755,000 $ 251,666 $ 96,000
Flagler, Florida 3 $ 755,000 $ 251,666 $ 73,000
Martin, Florida 3 $ 965,000 $ 321,666 $ 89,000
Walton, Florida 3 $ 1,365,000 $ 455,000 $ 151,000
Clayton, Georgia 3 $ 585,000 $ 195,000 $ 124,000
Dougherty, Georgia 3 $ 925,000 $ 308,333 $ 151,000
Fayette, Georgia 3 $ 1,195,000 $ 398,333 $ 163,000
Jackson, Georgia 3 $ 1,175,000 $ 391,666 $ 129,000
Allen, Indiana 3 $ 1,375,000 $ 458,333 $ 191,000
Douglas, Kansas 3 $ 765,000 $ 255,000 $ 114,000
Harvey, Kansas 3 $ 265,000 $ 88,333 $ 42,000
Montgomery, Kansas 3 $ 305,000 $ 101,666 $ 30,000
Sumner, Kansas 3 $ 445,000 $ 148,333 $ 73,000
Warren, Kentucky 3 $ 775,000 $ 258,333 $ 112,000
Ascension, Louisiana 3 $ 1,075,000 $ 358,333 $ 130,000
Caddo, Louisiana 3 $ 595,000 $ 198,333 $ 100,000
Jefferson, Louisiana 3 $ 595,000 $ 198,333 $ 71,000
Androscoggin, Maine 3 $ 675,000 $ 225,000 $ 78,000
Baltimore City, Maryland 3 $ 705,000 $ 235,000 $ 92,000
Calvert, Maryland 3 $ 1,195,000 $ 398,333 $ 104,000
Worcester, Maryland 3 $ 745,000 $ 248,333 $ 57,000
Essex, Massachusetts 3 $ 1,025,000 $ 341,666 $ 118,000
Plymouth, Massachusetts 3 $ 885,000 $ 295,000 $ 194,000
Allegan, Michigan 3 $ 835,000 $ 278,333 $ 77,000
Berrien, Michigan 3 $ 885,000 $ 295,000 $ 168,000
Ingham, Michigan 3 $ 1,175,000 $ 391,666 $ 134,000
Livingston, Michigan 3 $ 975,000 $ 325,000 $ 151,000
Dakota, Minnesota 3 $ 595,000 $ 198,333 $ 76,000
Ramsey, Minnesota 3 $ 775,000 $ 258,333 $ 127,000
Madison, Mississippi 3 $ 1,155,000 $ 385,000 $ 116,000
Buchanan, Missouri 3 $ 405,000 $ 135,000 $ 57,000
Camden, Missouri 3 $ 455,000 $ 151,666 $ 168,000
Jasper, Missouri 3 $ 185,000 $ 61,666 $ 20,000
Phelps, Missouri 3 $ 245,000 $ 81,666 $ 45,000
Pulaski, Missouri 3 $ 325,000 $ 108,333 $ 52,000
Buffalo, Nebraska 3 $ 675,000 $ 225,000 $ 97,000
Nye, Nevada 3 $ 755,000 $ 251,666 $ 76,000
Morris, New Jersey 3 $ 1,625,000 $ 541,666 $ 173,000
Dona Ana, New Mexico 3 $ 1,175,000 $ 391,666 $ 121,000
Sandoval, New Mexico 3 $ 935,000 $ 311,666 $ 138,000
Kings, New York 3 $ 1,385,000 $ 461,666 $ 194,000
Nassau, New York 3 $ 1,055,000 $ 351,666 $ 76,000
Brunswick, North Carolina 3 $ 685,000 $ 228,333 $ 66,000
Harnett, North Carolina 3 $ 905,000 $ 301,666 $ 87,000
Hoke, North Carolina 3 $ 665,000 $ 221,666 $ 79,000
Jackson, North Carolina 3 $ 745,000 $ 248,333 $ 85,000
Wayne, North Carolina 3 $ 605,000 $ 201,666 $ 77,000
Wilkes, North Carolina 3 $ 715,000 $ 238,333 $ 66,000
Stark, North Dakota 3 $ 995,000 $ 331,666 $ 105,000
Williams, North Dakota 3 $ 355,000 $ 118,333 $ 72,000
Butler, Ohio 3 $ 905,000 $ 301,666 $ 131,000
Licking, Ohio 3 $ 785,000 $ 261,666 $ 95,000
Summit, Ohio 3 $ 945,000 $ 315,000 $ 156,000
Trumbull, Ohio 3 $ 255,000 $ 85,000 $ 42,000
Clackamas, Oregon 3 $ 1,325,000 $ 441,666 $ 148,000
Jackson, Oregon 3 $ 1,175,000 $ 391,666 $ 81,000
Lehigh, Pennsylvania 3 $ 705,000 $ 235,000 $ 124,000
York, Pennsylvania 3 $ 715,000 $ 238,333 $ 131,000
Aiken, South Carolina 3 $ 495,000 $ 165,000 $ 47,000
Georgetown, South Carolina 3 $ 725,000 $ 241,666 $ 63,000
Lawrence, South Dakota 3 $ 635,000 $ 211,666 $ 156,000
Shelby, Tennessee 3 $ 975,000 $ 325,000 $ 97,000
Wilson, Tennessee 3 $ 1,155,000 $ 385,000 $ 95,000
Johnson, Texas 3 $ 915,000 $ 305,000 $ 272,000
Albemarle, Virginia 3 $ 985,000 $ 328,333 $ 149,000
King George, Virginia 3 $ 885,000 $ 295,000 $ 118,000
Okanogan, Washington 3 $ 505,000 $ 168,333 $ 111,000
Spokane, Washington 3 $ 1,095,000 $ 365,000 $ 162,000
Berkeley, West Virginia 3 $ 1,015,000 $ 338,333 $ 125,000
Cullman, Alabama 2 $ 490,000 $ 245,000 $ 79,000
Mobile, Alabama 2 $ 590,000 $ 295,000 $ 59,000
Shelby, Alabama 2 $ 540,000 $ 270,000 $ 98,000
Navajo, Arizona 2 $ 270,000 $ 135,000 $ 51,000
Izard, Arkansas 2 $ 480,000 $ 240,000 $ 125,000
Saline, Arkansas 2 $ 540,000 $ 270,000 $ 197,000
Kings, California 2 $ 650,000 $ 325,000 $ 75,000
Madera, California 2 $ 490,000 $ 245,000 $ 44,000
Nevada, California 2 $ 760,000 $ 380,000 $ 97,000
Sutter, California 2 $ 740,000 $ 370,000 $ 117,000
Eagle, Colorado 2 $ 970,000 $ 485,000 $ 100,000
Teller, Colorado 2 $ 1,090,000 $ 545,000 $ 186,000
Middlesex, Connecticut 2 $ 680,000 $ 340,000 $ 148,000
Kent, Delaware 2 $ 710,000 $ 355,000 $ 109,000
Charlotte, Florida 2 $ 550,000 $ 275,000 $ 201,000
Hernando, Florida 2 $ 380,000 $ 190,000 $ 84,000
Lake, Florida 2 $ 570,000 $ 285,000 $ 128,000
Monroe, Florida 2 $ 940,000 $ 470,000 $ 97,000
Osceola, Florida 2 $ 650,000 $ 325,000 $ 91,000
St. Lucie, Florida 2 $ 490,000 $ 245,000 $ 82,000
Sumter, Florida 2 $ 660,000 $ 330,000 $ 77,000
Camden, Georgia 2 $ 570,000 $ 285,000 $ 48,000
Douglas, Georgia 2 $ 690,000 $ 345,000 $ 93,000
Floyd, Georgia 2 $ 560,000 $ 280,000 $ 103,000
Glynn, Georgia 2 $ 1,050,000 $ 525,000 $ 205,000
Lowndes, Georgia 2 $ 470,000 $ 235,000 $ 82,000
Lumpkin, Georgia 2 $ 550,000 $ 275,000 $ 109,000
Rabun, Georgia 2 $ 760,000 $ 380,000 $ 128,000
Bingham, Idaho 2 $ 410,000 $ 205,000 $ 71,000
Blaine, Idaho 2 $ 830,000 $ 415,000 $ 68,000
Canyon, Idaho 2 $ 580,000 $ 290,000 $ 117,000
Twin Falls, Idaho 2 $ 800,000 $ 400,000 $ 155,000
DuPage, Illinois 2 $ 720,000 $ 360,000 $ 110,000
Mercer, Illinois 2 $ 320,000 $ 160,000 $ 43,000
Whiteside, Illinois 2 $ 240,000 $ 120,000 $ 94,000
Delaware, Indiana 2 $ 230,000 $ 115,000 $ 47,000
Vanderburgh, Indiana 2 $ 710,000 $ 355,000 $ 164,000
Warrick, Indiana 2 $ 500,000 $ 250,000 $ 64,000
Kingman, Kansas 2 $ 240,000 $ 120,000 $ 133,000
Labette, Kansas 2 $ 150,000 $ 75,000 $ 32,000
Pratt, Kansas 2 $ 240,000 $ 120,000 $ 104,000
Saline, Kansas 2 $ 320,000 $ 160,000 $ 63,000
Fayette, Kentucky 2 $ 610,000 $ 305,000 $ 138,000
Bossier, Louisiana 2 $ 600,000 $ 300,000 $ 98,000
Calcasieu, Louisiana 2 $ 470,000 $ 235,000 $ 79,000
Orleans, Louisiana 2 $ 610,000 $ 305,000 $ 84,000
West Baton Rouge, Louisiana 2 $ 460,000 $ 230,000 $ 72,000
Cumberland, Maine 2 $ 470,000 $ 235,000 $ 33,000
Kennebec, Maine 2 $ 900,000 $ 450,000 $ 86,000
Carroll, Maryland 2 $ 780,000 $ 390,000 $ 135,000
Franklin, Massachusetts 2 $ 420,000 $ 210,000 $ 37,000
Barry, Michigan 2 $ 570,000 $ 285,000 $ 152,000
Kalamazoo, Michigan 2 $ 430,000 $ 215,000 $ 90,000
Monroe, Michigan 2 $ 380,000 $ 190,000 $ 103,000
Crow Wing, Minnesota 2 $ 610,000 $ 305,000 $ 232,000
Goodhue, Minnesota 2 $ 840,000 $ 420,000 $ 61,000
Scott, Minnesota 2 $ 570,000 $ 285,000 $ 66,000
Sherburne, Minnesota 2 $ 450,000 $ 225,000 $ 57,000
Lafayette, Mississippi 2 $ 580,000 $ 290,000 $ 133,000
Lowndes, Mississippi 2 $ 530,000 $ 265,000 $ 106,000
Dallas, Missouri 2 $ 260,000 $ 130,000 $ 52,000
Greene, Missouri 2 $ 500,000 $ 250,000 $ 74,000
St. Louis, Missouri 2 $ 760,000 $ 380,000 $ 245,000
St. Louis City, Missouri 2 $ 390,000 $ 195,000 $ 122,000
Flathead, Montana 2 $ 1,230,000 $ 615,000 $ 330,000
Gallatin, Montana 2 $ 230,000 $ 115,000 $ 0
Lewis and Clark, Montana 2 $ 730,000 $ 365,000 $ 135,000
Lancaster, Nebraska 2 $ 520,000 $ 260,000 $ 58,000
Sarpy, Nebraska 2 $ 450,000 $ 225,000 $ 103,000
Churchill, Nevada 2 $ 610,000 $ 305,000 $ 119,000
Douglas, Nevada 2 $ 740,000 $ 370,000 $ 114,000
Hillsborough, New Hampshire 2 $ 910,000 $ 455,000 $ 121,000
Burlington, New Jersey 2 $ 1,060,000 $ 530,000 $ 255,000
Hunterdon, New Jersey 2 $ 980,000 $ 490,000 $ 190,000
Los Alamos, New Mexico 2 $ 800,000 $ 400,000 $ 220,000
San Juan, New Mexico 2 $ 410,000 $ 205,000 $ 56,000
San Miguel, New Mexico 2 $ 560,000 $ 280,000 $ 83,000
Saratoga, New York 2 $ 720,000 $ 360,000 $ 132,000
Suffolk, New York 2 $ 1,070,000 $ 535,000 $ 193,000
Westchester, New York 2 $ 850,000 $ 425,000 $ 164,000
Franklin, North Carolina 2 $ 530,000 $ 265,000 $ 83,000
Haywood, North Carolina 2 $ 720,000 $ 360,000 $ 126,000
Henderson, North Carolina 2 $ 660,000 $ 330,000 $ 125,000
Onslow, North Carolina 2 $ 560,000 $ 280,000 $ 93,000
Orange, North Carolina 2 $ 810,000 $ 405,000 $ 190,000
Union, North Carolina 2 $ 570,000 $ 285,000 $ 108,000
Cass, North Dakota 2 $ 480,000 $ 240,000 $ 87,000
McIntosh, North Dakota 2 $ 280,000 $ 140,000 $ 170,000
Clermont, Ohio 2 $ 490,000 $ 245,000 $ 65,000
Hancock, Ohio 2 $ 500,000 $ 250,000 $ 125,000
Lucas, Ohio 2 $ 840,000 $ 420,000 $ 152,000
Muskingum, Ohio 2 $ 610,000 $ 305,000 $ 96,000
Pickaway, Ohio 2 $ 500,000 $ 250,000 $ 77,000
Canadian, Oklahoma 2 $ 350,000 $ 175,000 $ 64,000
Garfield, Oklahoma 2 $ 530,000 $ 265,000 $ 107,000
Curry, Oregon 2 $ 780,000 $ 390,000 $ 80,000
Douglas, Oregon 2 $ 580,000 $ 290,000 $ 77,000
Linn, Oregon 2 $ 840,000 $ 420,000 $ 84,000
Polk, Oregon 2 $ 470,000 $ 235,000 $ 77,000
Monroe, Pennsylvania 2 $ 450,000 $ 225,000 $ 66,000
Montour, Pennsylvania 2 $ 620,000 $ 310,000 $ 122,000
Schuylkill, Pennsylvania 2 $ 810,000 $ 405,000 $ 164,000
Westmoreland, Pennsylvania 2 $ 370,000 $ 185,000 $ 104,000
Kent, Rhode Island 2 $ 570,000 $ 285,000 $ 120,000
Newport, Rhode Island 2 $ 810,000 $ 405,000 $ 623,000
Washington, Rhode Island 2 $ 650,000 $ 325,000 $ 106,000
Dickson, Tennessee 2 $ 560,000 $ 280,000 $ 72,000
Hardin, Tennessee 2 $ 100,000 $ 50,000 $ 46,000
Monroe, Tennessee 2 $ 200,000 $ 100,000 $ 154,000
Putnam, Tennessee 2 $ 560,000 $ 280,000 $ 94,000
Bell, Texas 2 $ 450,000 $ 225,000 $ 78,000
Ector, Texas 2 $ 490,000 $ 245,000 $ 109,000
Galveston, Texas 2 $ 720,000 $ 360,000 $ 100,000
Guadalupe, Texas 2 $ 670,000 $ 335,000 $ 155,000
Hidalgo, Texas 2 $ 480,000 $ 240,000 $ 58,000
Weber, Utah 2 $ 940,000 $ 470,000 $ 124,000
Caledonia, Vermont 2 $ 400,000 $ 200,000 $ 75,000
Alexandria, Virginia 2 $ 650,000 $ 325,000 $ 184,000
Fauquier, Virginia 2 $ 890,000 $ 445,000 $ 82,000
Gloucester, Virginia 2 $ 490,000 $ 245,000 $ 116,000
James City, Virginia 2 $ 780,000 $ 390,000 $ 133,000
Newport News, Virginia 2 $ 510,000 $ 255,000 $ 101,000
Prince George, Virginia 2 $ 300,000 $ 150,000 $ 101,000
Richmond City, Virginia 2 $ 740,000 $ 370,000 $ 132,000
Roanoke, Virginia 2 $ 900,000 $ 450,000 $ 157,000
Suffolk, Virginia 2 $ 680,000 $ 340,000 $ 82,000
Grant, Washington 2 $ 690,000 $ 345,000 $ 77,000
Island, Washington 2 $ 1,070,000 $ 535,000 $ 122,000
Jefferson, Washington 2 $ 900,000 $ 450,000 $ 120,000
Klickitat, Washington 2 $ 700,000 $ 350,000 $ 66,000
Monongalia, West Virginia 2 $ 610,000 $ 305,000 $ 159,000
Calumet, Wisconsin 2 $ 490,000 $ 245,000 $ 79,000
Dunn, Wisconsin 2 $ 920,000 $ 460,000 $ 221,000
Manitowoc, Wisconsin 2 $ 660,000 $ 330,000 $ 124,000
Ozaukee, Wisconsin 2 $ 560,000 $ 280,000 $ 103,000
Walworth, Wisconsin 2 $ 840,000 $ 420,000 $ 241,000
Washburn, Wisconsin 2 $ 550,000 $ 275,000 $ 84,000
Laramie, Wyoming 2 $ 510,000 $ 255,000 $ 88,000
Autauga, Alabama 1 $ 225,000 $ 225,000 $ 56,000
Chilton, Alabama 1 $ 305,000 $ 305,000 $ 102,000
Cleburne, Alabama 1 $ 355,000 $ 355,000 $ 131,000
Coffee, Alabama 1 $ 285,000 $ 285,000 $ 96,000
Colbert, Alabama 1 $ 235,000 $ 235,000 $ 96,000
Covington, Alabama 1 $ 185,000 $ 185,000 $ 101,000
Franklin, Alabama 1 $ 235,000 $ 235,000 $ 67,000
Lauderdale, Alabama 1 $ 275,000 $ 275,000 $ 77,000
Marshall, Alabama 1 $ 315,000 $ 315,000 $ 72,000
Randolph, Alabama 1 $ 355,000 $ 355,000 $ 422,000
St. Clair, Alabama 1 $ 515,000 $ 515,000 $ 190,000
Talladega, Alabama 1 $ 225,000 $ 225,000 $ 70,000
Coconino, Arizona 1 $ 455,000 $ 455,000 $ 34,000
Garland, Arkansas 1 $ 105,000 $ 105,000 $ 28,000
Jefferson, Arkansas 1 $ 55,000 $ 55,000 $ 95,000
Madison, Arkansas 1 $ 305,000 $ 305,000 $ 60,000
Miller, Arkansas 1 $ 265,000 $ 265,000 $ 54,000
Butte, California 1 $ 385,000 $ 385,000 $ 111,000
Del Norte, California 1 $ 375,000 $ 375,000 $ 146,000
Imperial, California 1 $ 255,000 $ 255,000 $ 125,000
Lake, California 1 $ 75,000 $ 75,000 $ 136,000
Merced, California 1 $ 375,000 $ 375,000 $ 189,000
Plumas, California 1 $ 235,000 $ 235,000 $ 74,000
San Francisco, California 1 $ 515,000 $ 515,000 $ 98,000
San Luis Obispo, California 1 $ 425,000 $ 425,000 $ 78,000
Santa Cruz, California 1 $ 445,000 $ 445,000 $ 106,000
Tehama, California 1 $ 205,000 $ 205,000 $ 125,000
Tulare, California 1 $ 405,000 $ 405,000 $ 183,000
Tuolumne, California 1 $ 255,000 $ 255,000 $ 182,000
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Mortgage Loan Application Detail Totals for BNC National Bank in 2018

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
Home Purchase 2,521 $734,725,000 $291,000 $1,735,000 $114,000 $1,666,000
Cash-out Refinancing 872 $302,940,000 $347,000 $2,005,000 $126,000 $2,220,000
Refinancing 345 $120,465,000 $349,000 $5,225,000 $136,000 $1,764,000
Home Improvement 99 $26,005,000 $262,000 $725,000 $84,000 $305,000
Other Purpose 73 $6,195,000 $84,000 $255,000 $1,000 $128,000
Not Applicable 2 $510,000 $255,000 $265,000 $97,000 $120,000

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 2,330 $661,480,000 $283,000 $5,225,000 $110,000 $1,860,000
Not Provided 1,019 $359,015,000 $352,000 $1,445,000 $132,000 $2,220,000
Hispanic 225 $61,225,000 $272,000 $1,205,000 $95,000 $634,000
Black or African American 169 $49,575,000 $293,000 $775,000 $103,000 $430,000
Asian 131 $48,415,000 $369,000 $1,055,000 $147,000 $1,115,000
American Indian or Alaskan Native 25 $7,525,000 $301,000 $615,000 $100,000 $255,000
Native Hawaiian or Other Pacific Islander 8 $2,450,000 $306,000 $515,000 $131,000 $370,000
Not applicable 5 $1,155,000 $231,000 $455,000 $248,000 $248,000

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) 1,729 $515,115,000 $297,000 $5,225,000 $133,000 $1,860,000
VA-guaranteed (Veterans Administration) 1,626 $575,570,000 $353,000 $1,735,000 $115,000 $2,220,000
FHA-insured (Federal Housing Administration) 459 $89,085,000 $194,000 $635,000 $71,000 $296,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 98 $11,070,000 $112,000 $355,000 $44,000 $115,000

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 2,211 $632,775,000 $286,000 $1,185,000 $109,000 $2,220,000
Application Withdrawn By Applicant 1,350 $453,700,000 $336,000 $5,225,000 $128,000 $1,666,000
Application Denied By Financial Institution 351 $104,365,000 $297,000 $1,205,000 $113,000 $1,860,000
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
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
Not applicable 3,561 $1,086,475,000 $305,000 $5,225,000 $116,000 $2,220,000
Credit History 106 $29,030,000 $273,000 $805,000 $108,000 $840,000
Debt-To-Income Ratio 86 $24,660,000 $286,000 $1,205,000 $76,000 $590,000
Credit Application Incomplete 55 $18,995,000 $345,000 $1,135,000 $182,000 $1,860,000
Collateral 45 $12,135,000 $269,000 $515,000 $107,000 $305,000
Other 32 $10,140,000 $316,000 $935,000 $120,000 $493,000
Unverifiable Information 11 $3,595,000 $326,000 $545,000 $118,000 $192,000
Employment History 10 $3,870,000 $387,000 $615,000 $93,000 $138,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,940,000 $323,000 $525,000 $99,000 $170,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into BNC National Bank's 2018 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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