BNC National Bank Mortgage Lending & HMDA Data, 2010
In 2010, BNC National Bank of Bismarck, ND reported 4,891 mortgage applications totaling $965.8 million, up 51% from 2009. The average application was for $197,470, and applicants reported an average income of $86,879. 69% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Kansas City, MO-KS (803), Phoenix-Mesa-Glendale, AZ (690) and Wichita, KS (425) (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 | 4,891 |
| Total Mortgage Loan Application Amount | $965,828,000 |
| Average Mortgage Loan Application Amount | $197,470 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $86,879 |
| Highest Applicant Income | $5,565,000 |
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Act (HMDA) records BNC National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kansas City, MO-KS | 803 | $ 128,092,000 | $ 159,516 | $ 68,589 |
| Phoenix-Mesa-Glendale, AZ | 690 | $ 109,728,000 | $ 159,026 | $ 81,000 |
| Wichita, KS | 425 | $ 52,791,000 | $ 124,214 | $ 60,000 |
| Davenport-Moline-Rock Island, IA-IL | 151 | $ 17,674,000 | $ 117,046 | $ 47,112 |
| Lincoln, NE | 137 | $ 20,581,000 | $ 150,226 | $ 57,000 |
| Topeka, KS | 108 | $ 12,657,000 | $ 117,194 | $ 54,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 93 | $ 19,829,000 | $ 213,215 | $ 87,000 |
| Los Angeles-Long Beach-Glendale, CA | 61 | $ 23,752,000 | $ 389,377 | $ 149,000 |
| Las Vegas-Paradise, NV | 57 | $ 12,087,000 | $ 212,052 | $ 72,000 |
| Denver-Aurora-Broomfield, CO | 54 | $ 15,125,000 | $ 280,092 | $ 100,000 |
| Bismarck, ND | 52 | $ 7,678,000 | $ 147,653 | $ 250,000 |
| Omaha-Council Bluffs, NE-IA | 42 | $ 6,958,000 | $ 165,666 | $ 85,000 |
| Chicago-Joliet-Naperville, IL | 41 | $ 12,422,000 | $ 302,975 | $ 112,000 |
| Riverside-San Bernardino-Ontario, CA | 38 | $ 11,286,000 | $ 297,000 | $ 124,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 36 | $ 10,239,000 | $ 284,416 | $ 107,000 |
| San Diego-Carlsbad-San Marcos, CA | 35 | $ 12,536,000 | $ 358,171 | $ 135,000 |
| Santa Ana-Anaheim-Irvine, CA | 35 | $ 13,322,000 | $ 380,628 | $ 136,000 |
| Boston-Quincy, MA | 34 | $ 10,421,000 | $ 306,500 | $ 128,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 34 | $ 10,030,000 | $ 295,000 | $ 125,823 |
| Cambridge-Newton-Framingham, MA | 33 | $ 10,736,000 | $ 325,333 | $ 156,000 |
| Oakland-Fremont-Hayward, CA | 33 | $ 12,607,000 | $ 382,030 | $ 156,000 |
| Seattle-Bellevue-Everett, WA | 32 | $ 10,272,000 | $ 321,000 | $ 127,000 |
| St. Louis, MO-IL | 32 | $ 5,991,000 | $ 187,218 | $ 84,093 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 30 | $ 11,708,000 | $ 390,266 | $ 83,933 |
| Atlanta-Sandy Springs-Marietta, GA | 29 | $ 8,329,000 | $ 287,206 | $ 117,000 |
| Edison-New Brunswick, NJ | 29 | $ 9,402,000 | $ 324,206 | $ 149,000 |
| Philadelphia, PA | 27 | $ 8,052,000 | $ 298,222 | $ 170,000 |
| Raleigh-Cary, NC | 27 | $ 7,546,000 | $ 279,481 | $ 90,000 |
| Salt Lake City, UT | 27 | $ 7,841,000 | $ 290,407 | $ 87,000 |
| Baltimore-Towson, MD | 23 | $ 7,431,000 | $ 323,086 | $ 168,000 |
| Providence-New Bedford-Fall River, RI-MA | 23 | $ 6,758,000 | $ 293,826 | $ 136,826 |
| Newark-Union, NJ-PA | 20 | $ 5,768,000 | $ 288,400 | $ 132,000 |
| New York-White Plains-Wayne, NY-NJ | 19 | $ 6,963,000 | $ 366,473 | $ 141,842 |
| Des Moines-West Des Moines, IA | 18 | $ 3,446,000 | $ 191,444 | $ 100,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 17 | $ 4,367,000 | $ 256,882 | $ 138,882 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 17 | $ 5,031,000 | $ 295,941 | $ 142,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 16 | $ 5,788,000 | $ 361,750 | $ 102,000 |
| Austin-Round Rock-San Marcos, TX | 15 | $ 3,486,000 | $ 232,400 | $ 68,000 |
| Bethesda-Rockville-Frederick, MD | 15 | $ 6,239,000 | $ 415,933 | $ 100,000 |
| Lawrence, KS | 15 | $ 2,675,000 | $ 178,333 | $ 80,000 |
| Manchester-Nashua, NH | 15 | $ 4,125,000 | $ 275,000 | $ 116,000 |
| Ogden-Clearfield, UT | 15 | $ 4,119,000 | $ 274,600 | $ 99,000 |
| San Francisco-San Mateo-Redwood City, CA | 15 | $ 7,228,000 | $ 481,866 | $ 202,000 |
| Worcester, MA | 15 | $ 4,057,000 | $ 270,466 | $ 108,000 |
| Cedar Rapids, IA | 14 | $ 2,136,000 | $ 152,571 | $ 61,000 |
| Joplin, MO | 14 | $ 1,204,000 | $ 86,000 | $ 31,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 14 | $ 3,566,000 | $ 254,714 | $ 148,000 |
| Oklahoma City, OK | 14 | $ 3,132,000 | $ 223,714 | $ 168,000 |
| Cincinnati-Middletown, OH-KY-IN | 13 | $ 2,643,000 | $ 203,307 | $ 92,076 |
| Lake Havasu City-Kingman, AZ | 13 | $ 1,233,000 | $ 94,846 | $ 81,000 |
| Tampa-St. Petersburg-Clearwater, FL | 13 | $ 6,222,000 | $ 478,615 | $ 150,000 |
| Warren-Troy-Farmington Hills, MI | 13 | $ 3,306,000 | $ 254,307 | $ 145,000 |
| Baton Rouge, LA | 12 | $ 3,425,000 | $ 285,416 | $ 94,000 |
| Reno-Sparks, NV | 12 | $ 3,399,000 | $ 283,250 | $ 113,000 |
| Rockingham County-Strafford County, NH | 12 | $ 3,602,000 | $ 300,166 | $ 169,000 |
| Tucson, AZ | 12 | $ 3,073,000 | $ 256,083 | $ 34,000 |
| Anchorage, AK | 11 | $ 3,450,000 | $ 313,636 | $ 150,000 |
| Boise City-Nampa, ID | 11 | $ 2,800,000 | $ 254,545 | $ 95,000 |
| Little Rock-North Little Rock-Conway, AR | 11 | $ 1,752,000 | $ 159,272 | $ 71,000 |
| Orlando-Kissimmee-Sanford, FL | 11 | $ 2,413,000 | $ 219,363 | $ 92,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 11 | $ 3,444,000 | $ 313,090 | $ 155,000 |
| Tulsa, OK | 11 | $ 2,163,000 | $ 196,636 | $ 65,000 |
| Columbus, OH | 10 | $ 2,111,000 | $ 211,100 | $ 90,000 |
| Prescott, AZ | 10 | $ 2,536,000 | $ 253,600 | $ 84,000 |
| Colorado Springs, CO | 9 | $ 2,139,000 | $ 237,666 | $ 98,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 9 | $ 2,246,000 | $ 249,555 | $ 137,000 |
| Houston-Sugar Land-Baytown, TX | 9 | $ 1,890,000 | $ 210,000 | $ 60,000 |
| Knoxville, TN | 9 | $ 1,983,000 | $ 220,333 | $ 70,000 |
| Manhattan, KS | 9 | $ 1,391,000 | $ 154,555 | $ 68,000 |
| New Orleans-Metairie-Kenner, LA | 9 | $ 2,435,000 | $ 270,555 | $ 130,000 |
| Provo-Orem, UT | 9 | $ 2,293,000 | $ 254,777 | $ 110,000 |
| Boulder, CO | 8 | $ 2,418,000 | $ 302,250 | $ 116,000 |
| Cleveland-Elyria-Mentor, OH | 8 | $ 2,193,000 | $ 274,125 | $ 124,000 |
| Dallas-Plano-Irving, TX | 8 | $ 1,656,000 | $ 207,000 | $ 82,000 |
| Memphis, TN-MS-AR | 8 | $ 1,523,000 | $ 190,375 | $ 63,000 |
| Peabody, MA | 8 | $ 2,702,000 | $ 337,750 | $ 148,000 |
| Birmingham-Hoover, AL | 7 | $ 1,518,000 | $ 216,857 | $ 101,000 |
| Columbia, SC | 7 | $ 1,684,000 | $ 240,571 | $ 102,000 |
| Durham-Chapel Hill, NC | 7 | $ 2,094,000 | $ 299,142 | $ 161,000 |
| Fort Collins-Loveland, CO | 7 | $ 1,924,000 | $ 274,857 | $ 121,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 2,169,000 | $ 309,857 | $ 177,000 |
| Peoria, IL | 7 | $ 1,142,000 | $ 163,142 | $ 70,000 |
| San Antonio-New Braunfels, TX | 7 | $ 1,728,000 | $ 246,857 | $ 11,000 |
| San Luis Obispo-Paso Robles, CA | 7 | $ 2,350,000 | $ 335,714 | $ 145,000 |
| Springfield, MO | 7 | $ 1,102,000 | $ 157,428 | $ 43,000 |
| Albuquerque, NM | 6 | $ 1,297,000 | $ 216,166 | $ 53,000 |
| Asheville, NC | 6 | $ 1,903,000 | $ 317,166 | $ 145,000 |
| Barnstable Town, MA | 6 | $ 1,593,000 | $ 265,500 | $ 83,000 |
| Detroit-Livonia-Dearborn, MI | 6 | $ 1,322,000 | $ 220,333 | $ 121,000 |
| Dubuque, IA | 6 | $ 652,000 | $ 108,666 | $ 39,000 |
| Fort Worth-Arlington, TX | 6 | $ 1,596,000 | $ 266,000 | $ 80,000 |
| Jacksonville, FL | 6 | $ 1,463,000 | $ 243,833 | $ 91,000 |
| Madison, WI | 6 | $ 1,847,000 | $ 307,833 | $ 140,000 |
| Milwaukee-Waukesha-West Allis, WI | 6 | $ 1,263,000 | $ 210,500 | $ 72,000 |
| Pittsburgh, PA | 6 | $ 1,322,000 | $ 220,333 | $ 59,000 |
| Spokane, WA | 6 | $ 1,499,000 | $ 249,833 | $ 129,000 |
| Tacoma, WA | 6 | $ 2,201,000 | $ 366,833 | $ 110,000 |
| Akron, OH | 5 | $ 1,217,000 | $ 243,400 | $ 102,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 1,549,000 | $ 309,800 | $ 85,000 |
| Bremerton-Silverdale, WA | 5 | $ 1,195,000 | $ 239,000 | $ 98,000 |
| Eugene-Springfield, OR | 5 | $ 1,448,000 | $ 289,600 | $ 112,000 |
| Greenville-Mauldin-Easley, SC | 5 | $ 1,401,000 | $ 280,200 | $ 98,000 |
| Hartford-West Hartford-East Hartford, CT | 5 | $ 1,388,000 | $ 277,600 | $ 112,000 |
| Iowa City, IA | 5 | $ 884,000 | $ 176,800 | $ 84,000 |
| Louisville-Jefferson County, KY-IN | 5 | $ 1,037,000 | $ 207,400 | $ 104,000 |
| Nassau-Suffolk, NY | 5 | $ 2,257,000 | $ 451,400 | $ 130,000 |
| Olympia, WA | 5 | $ 1,350,000 | $ 270,000 | $ 100,000 |
| Portland-South Portland-Biddeford, ME | 5 | $ 1,132,000 | $ 226,400 | $ 121,000 |
| Richmond, VA | 5 | $ 1,112,000 | $ 222,400 | $ 48,000 |
| Springfield, MA | 5 | $ 1,132,000 | $ 226,400 | $ 99,000 |
| Wilmington, DE-MD-NJ | 5 | $ 952,000 | $ 190,400 | $ 68,000 |
| Winston-Salem, NC | 5 | $ 1,154,000 | $ 230,800 | $ 83,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,153,000 | $ 288,250 | $ 229,000 |
| Columbia, MO | 4 | $ 663,000 | $ 165,750 | $ 103,000 |
| Dayton, OH | 4 | $ 935,000 | $ 233,750 | $ 38,000 |
| Flagstaff, AZ | 4 | $ 1,150,000 | $ 287,500 | $ 494,000 |
| Greeley, CO | 4 | $ 967,000 | $ 241,750 | $ 86,000 |
| Huntsville, AL | 4 | $ 1,397,000 | $ 349,250 | $ 171,000 |
| Montgomery, AL | 4 | $ 883,000 | $ 220,750 | $ 33,000 |
| North Port-Bradenton-Sarasota, FL | 4 | $ 793,000 | $ 198,250 | $ 53,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 4 | $ 1,219,000 | $ 304,750 | $ 100,000 |
| Rochester, NY | 4 | $ 562,000 | $ 140,500 | $ 54,000 |
| St. George, UT | 4 | $ 1,077,000 | $ 269,250 | $ 60,000 |
| Stockton, CA | 4 | $ 1,052,000 | $ 263,000 | $ 69,000 |
| Yuma, AZ | 4 | $ 571,000 | $ 142,750 | $ 45,000 |
| Bloomington-Normal, IL | 3 | $ 425,000 | $ 141,666 | $ 198,000 |
| Camden, NJ | 3 | $ 688,000 | $ 229,333 | $ 65,000 |
| Charleston-North Charleston-Summerville, SC | 3 | $ 771,000 | $ 257,000 | $ 69,000 |
| Corvallis, OR | 3 | $ 722,000 | $ 240,666 | $ 81,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 773,000 | $ 257,666 | $ 149,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 658,000 | $ 219,333 | $ 73,666 |
| Idaho Falls, ID | 3 | $ 579,000 | $ 193,000 | $ 105,000 |
| Indianapolis-Carmel, IN | 3 | $ 978,000 | $ 326,000 | $ 21,000 |
| Kennewick-Pasco-Richland, WA | 3 | $ 755,000 | $ 251,666 | $ 129,000 |
| Lafayette, LA | 3 | $ 911,000 | $ 303,666 | $ 173,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 938,000 | $ 312,666 | $ 109,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 623,000 | $ 207,666 | $ 40,000 |
| Pocatello, ID | 3 | $ 440,000 | $ 146,666 | $ 27,000 |
| Salem, OR | 3 | $ 543,000 | $ 181,000 | $ 134,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 713,000 | $ 237,666 | $ 68,000 |
| Spartanburg, SC | 3 | $ 691,000 | $ 230,333 | $ 75,000 |
| Trenton-Ewing, NJ | 3 | $ 1,055,000 | $ 351,666 | $ 156,000 |
| Vallejo-Fairfield, CA | 3 | $ 715,000 | $ 238,333 | $ 70,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 790,000 | $ 263,333 | $ 151,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 520,000 | $ 173,333 | $ 74,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 909,000 | $ 303,000 | $ 112,000 |
| York-Hanover, PA | 3 | $ 855,000 | $ 285,000 | $ 194,000 |
| Ann Arbor, MI | 2 | $ 472,000 | $ 236,000 | $ 85,000 |
| Anniston-Oxford, AL | 2 | $ 278,000 | $ 139,000 | $ 24,000 |
| Bellingham, WA | 2 | $ 487,000 | $ 243,500 | $ 83,000 |
| Billings, MT | 2 | $ 290,000 | $ 145,000 | $ 39,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 953,000 | $ 476,500 | $ 238,000 |
| Chattanooga, TN-GA | 2 | $ 396,000 | $ 198,000 | $ 54,000 |
| Cheyenne, WY | 2 | $ 484,000 | $ 242,000 | $ 86,000 |
| Chico, CA | 2 | $ 644,000 | $ 322,000 | $ 95,000 |
| Columbus, GA-AL | 2 | $ 601,000 | $ 300,500 | $ 31,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 388,000 | $ 194,000 | $ 81,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 471,000 | $ 235,500 | $ 49,000 |
| Duluth, MN-WI | 2 | $ 410,000 | $ 205,000 | $ 31,000 |
| El Paso, TX | 2 | $ 362,000 | $ 181,000 | $ 0 |
| Fargo, ND-MN | 2 | $ 356,000 | $ 178,000 | $ 79,000 |
| Fayetteville, NC | 2 | $ 420,000 | $ 210,000 | $ 0 |
| Florence, SC | 2 | $ 434,000 | $ 217,000 | $ 75,000 |
| Grand Junction, CO | 2 | $ 611,000 | $ 305,500 | $ 99,000 |
| Greensboro-High Point, NC | 2 | $ 591,000 | $ 295,500 | $ 241,000 |
| Harrisburg-Carlisle, PA | 2 | $ 538,000 | $ 269,000 | $ 135,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 505,000 | $ 252,500 | $ 19,000 |
| Jackson, MS | 2 | $ 561,000 | $ 280,500 | $ 178,000 |
| Jacksonville, NC | 2 | $ 288,000 | $ 144,000 | $ 36,000 |
| Johnson City, TN | 2 | $ 472,000 | $ 236,000 | $ 139,000 |
| Kalamazoo-Portage, MI | 2 | $ 600,000 | $ 300,000 | $ 352,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 263,000 | $ 131,500 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 260,000 | $ 130,000 | $ 36,000 |
| Lake Charles, LA | 2 | $ 402,000 | $ 201,000 | $ 99,000 |
| Lakeland-Winter Haven, FL | 2 | $ 646,000 | $ 323,000 | $ 143,000 |
| Las Cruces, NM | 2 | $ 393,000 | $ 196,500 | $ 22,000 |
| Lawton, OK | 2 | $ 355,000 | $ 177,500 | $ 47,000 |
| Logan, UT-ID | 2 | $ 376,000 | $ 188,000 | $ 119,000 |
| Medford, OR | 2 | $ 441,000 | $ 220,500 | $ 83,000 |
| Monroe, LA | 2 | $ 395,000 | $ 197,500 | $ 73,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 521,000 | $ 260,500 | $ 155,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 530,000 | $ 265,000 | $ 286,000 |
| Norwich-New London, CT | 2 | $ 423,000 | $ 211,500 | $ 75,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 2 | $ 513,000 | $ 256,500 | $ 86,000 |
| Pine Bluff, AR | 2 | $ 353,000 | $ 176,500 | $ 122,000 |
| Salisbury, MD | 2 | $ 643,000 | $ 321,500 | $ 223,000 |
| St. Joseph, MO-KS | 2 | $ 325,000 | $ 162,500 | $ 76,000 |
| Sumter, SC | 2 | $ 360,000 | $ 180,000 | $ 50,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 412,000 | $ 206,000 | $ 78,000 |
| Alexandria, LA | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Ames, IA | 1 | $ 143,000 | $ 143,000 | $ 65,000 |
| Anderson, SC | 1 | $ 132,000 | $ 132,000 | $ 26,000 |
| Auburn-Opelika, AL | 1 | $ 185,000 | $ 185,000 | $ 36,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Bakersfield-Delano, CA | 1 | $ 220,000 | $ 220,000 | $ 113,000 |
| Bend, OR | 1 | $ 345,000 | $ 345,000 | $ 76,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 210,000 | $ 210,000 | $ 98,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| Burlington-South Burlington, VT | 1 | $ 278,000 | $ 278,000 | $ 77,000 |
| Cape Girardeau-Jackson, MO-IL | 1 | $ 226,000 | $ 226,000 | $ 42,000 |
| Champaign-Urbana, IL | 1 | $ 144,000 | $ 144,000 | $ 35,000 |
| Charleston, WV | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 172,000 | $ 172,000 | $ 57,000 |
| Coeur D'Alene, ID | 1 | $ 102,000 | $ 102,000 | $ 24,000 |
| Columbus, IN | 1 | $ 164,000 | $ 164,000 | $ 139,000 |
| Decatur, AL | 1 | $ 187,000 | $ 187,000 | $ 92,000 |
| Eau Claire, WI | 1 | $ 285,000 | $ 285,000 | $ 89,000 |
| Elkhart-Goshen, IN | 1 | $ 127,000 | $ 127,000 | $ 78,000 |
| Elmira, NY | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
| Evansville, IN-KY | 1 | $ 137,000 | $ 137,000 | $ 75,000 |
| Fond Du Lac, WI | 1 | $ 148,000 | $ 148,000 | $ 68,000 |
| Fort Smith, AR-OK | 1 | $ 154,000 | $ 154,000 | $ 61,000 |
| Fresno, CA | 1 | $ 291,000 | $ 291,000 | $ 91,000 |
| Gainesville, FL | 1 | $ 118,000 | $ 118,000 | $ 46,000 |
| Gainesville, GA | 1 | $ 392,000 | $ 392,000 | $ 72,000 |
| Gary, IN | 1 | $ 156,000 | $ 156,000 | $ 74,000 |
| Grand Forks, ND-MN | 1 | $ 130,000 | $ 130,000 | $ 35,000 |
| Great Falls, MT | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Hot Springs, AR | 1 | $ 128,000 | $ 128,000 | $ 186,000 |
| Jackson, TN | 1 | $ 103,000 | $ 103,000 | $ 36,000 |
| Jefferson City, MO | 1 | $ 129,000 | $ 129,000 | $ 58,000 |
| La Crosse, WI-MN | 1 | $ 98,000 | $ 98,000 | $ 40,000 |
| Lansing-East Lansing, MI | 1 | $ 175,000 | $ 175,000 | $ 253,000 |
| Mansfield, OH | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Missoula, MT | 1 | $ 173,000 | $ 173,000 | $ 40,000 |
| Morgantown, WV | 1 | $ 288,000 | $ 288,000 | $ 109,000 |
| Morristown, TN | 1 | $ 140,000 | $ 140,000 | $ 60,000 |
| Napa, CA | 1 | $ 385,000 | $ 385,000 | $ 96,000 |
| Naples-Marco Island, FL | 1 | $ 623,000 | $ 623,000 | $ 340,000 |
| Ocala, FL | 1 | $ 585,000 | $ 585,000 | $ 150,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 394,000 | $ 394,000 | $ 200,000 |
| Pascagoula, MS | 1 | $ 223,000 | $ 223,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 315,000 | $ 315,000 | $ 63,000 |
| Punta Gorda, FL | 1 | $ 122,000 | $ 122,000 | $ 106,000 |
| Racine, WI | 1 | $ 189,000 | $ 189,000 | $ 84,000 |
| Rapid City, SD | 1 | $ 203,000 | $ 203,000 | $ 79,000 |
| Reading, PA | 1 | $ 207,000 | $ 207,000 | $ 160,000 |
| Rochester, MN | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Rockford, IL | 1 | $ 80,000 | $ 80,000 | $ 19,000 |
| Rome, GA | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Salinas, CA | 1 | $ 701,000 | $ 701,000 | $ 0 |
| Santa Fe, NM | 1 | $ 265,000 | $ 265,000 | $ 65,000 |
| Savannah, GA | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 131,000 | $ 131,000 | $ 88,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 304,000 | $ 304,000 | $ 138,000 |
| St. Cloud, MN | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Syracuse, NY | 1 | $ 248,000 | $ 248,000 | $ 58,000 |
| Toledo, OH | 1 | $ 108,000 | $ 108,000 | $ 54,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 248,000 | $ 248,000 | $ 118,000 |
| Warner Robins, GA | 1 | $ 211,000 | $ 211,000 | $ 129,000 |
| Wausau, WI | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Wenatchee-East Wenatchee, WA | 1 | $ 260,000 | $ 260,000 | $ 169,000 |
| Williamsport, PA | 1 | $ 116,000 | $ 116,000 | $ 66,000 |
| Yuba City, CA | 1 | $ 318,000 | $ 318,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for BNC National Bank in 2010
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 | 2,756 | $641,853,000 | $232,000 | $2,000,000 | $101,000 | $5,565,000 |
| Home Purchase | 2,063 | $309,573,000 | $150,000 | $981,000 | $67,000 | $841,000 |
| Home Improvement | 72 | $14,402,000 | $200,000 | $510,000 | $116,000 | $365,000 |
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 | 3,635 | $705,083,000 | $193,000 | $2,000,000 | $89,000 | $5,565,000 |
| Not Provided | 682 | $155,016,000 | $227,000 | $900,000 | $91,000 | $870,000 |
| Hispanic | 241 | $35,949,000 | $149,000 | $827,000 | $58,000 | $406,000 |
| Asian | 160 | $41,636,000 | $260,000 | $725,000 | $103,000 | $483,000 |
| Black or African American | 139 | $21,098,000 | $151,000 | $981,000 | $50,000 | $209,000 |
| American Indian or Alaskan Native | 22 | $4,550,000 | $206,000 | $768,000 | $69,000 | $235,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $2,396,000 | $217,000 | $509,000 | $95,000 | $461,000 |
| Not applicable | 1 | $100,000 | $100,000 | $100,000 | $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) | 2,341 | $538,524,000 | $230,000 | $2,000,000 | $122,000 | $5,565,000 |
| FHA-insured (Federal Housing Administration) | 2,034 | $305,252,000 | $150,000 | $703,000 | $55,000 | $841,000 |
| VA-guaranteed (Veterans Administration) | 497 | $119,651,000 | $240,000 | $981,000 | $52,000 | $290,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $2,401,000 | $126,000 | $400,000 | $51,000 | $140,000 |
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 | 3,382 | $663,819,000 | $196,000 | $981,000 | $88,000 | $5,565,000 |
| Application Withdrawn By Applicant | 810 | $169,627,000 | $209,000 | $1,400,000 | $91,000 | $1,980,000 |
| Application Denied By Financial Institution | 548 | $101,863,000 | $185,000 | $2,000,000 | $76,000 | $1,200,000 |
| Application Approved But Not Accepted | 114 | $24,084,000 | $211,000 | $515,000 | $91,000 | $375,000 |
| File Closed For Incompleteness | 37 | $6,435,000 | $173,000 | $602,000 | $78,000 | $298,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 154 | $21,716,000 | $141,000 | $758,000 | $56,000 | $390,000 |
| Collateral | 150 | $33,803,000 | $225,000 | $1,500,000 | $96,000 | $870,000 |
| Debt-To-Income Ratio | 106 | $22,286,000 | $210,000 | $805,000 | $64,000 | $240,000 |
| Other | 48 | $8,138,000 | $169,000 | $702,000 | $117,000 | $1,200,000 |
| Employment History | 35 | $6,048,000 | $172,000 | $2,000,000 | $65,000 | $420,000 |
| Unverifiable Information | 26 | $3,646,000 | $140,000 | $405,000 | $62,000 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $3,256,000 | $217,000 | $572,000 | $72,000 | $200,000 |
| Credit Application Incomplete | 9 | $2,094,000 | $232,000 | $614,000 | $87,000 | $252,000 |
| Mortgage Insurance Denied | 5 | $876,000 | $175,000 | $401,000 | $91,000 | $182,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BNC National Bank's 2010 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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