BNC National Bank Mortgage Lending & HMDA Data, 2011
In 2011, BNC National Bank of Bismarck, ND reported 4,688 mortgage applications totaling $1.1 billion, down 4% from 2010. The average application was for $237,702, and applicants reported an average income of $102,123. 65% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Wichita, KS (498), Kansas City, MO-KS (375) and Minneapolis-St. Paul-Bloomington, MN-WI (196) (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 | 4,688 |
| Total Mortgage Loan Application Amount | $1,114,351,000 |
| Average Mortgage Loan Application Amount | $237,702 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $102,123 |
| Highest Applicant Income | $2,391,000 |
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Act (HMDA) records BNC National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Wichita, KS | 498 | $ 66,289,000 | $ 133,110 | $ 65,000 |
| Kansas City, MO-KS | 375 | $ 59,984,000 | $ 159,957 | $ 69,776 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 196 | $ 43,402,000 | $ 221,438 | $ 105,571 |
| Phoenix-Mesa-Glendale, AZ | 157 | $ 30,363,000 | $ 193,394 | $ 104,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 145 | $ 62,096,000 | $ 428,248 | $ 116,875 |
| Lincoln, NE | 103 | $ 15,096,000 | $ 146,563 | $ 66,000 |
| Los Angeles-Long Beach-Glendale, CA | 101 | $ 39,900,000 | $ 395,049 | $ 204,000 |
| Davenport-Moline-Rock Island, IA-IL | 88 | $ 10,242,000 | $ 116,386 | $ 51,477 |
| Topeka, KS | 80 | $ 9,150,000 | $ 114,375 | $ 53,000 |
| Atlanta-Sandy Springs-Marietta, GA | 64 | $ 17,715,000 | $ 276,796 | $ 107,000 |
| San Diego-Carlsbad-San Marcos, CA | 61 | $ 24,293,000 | $ 398,245 | $ 138,000 |
| Bismarck, ND | 60 | $ 9,593,000 | $ 159,883 | $ 128,000 |
| Chicago-Joliet-Naperville, IL | 56 | $ 16,521,000 | $ 295,017 | $ 138,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 53 | $ 25,188,000 | $ 475,245 | $ 172,000 |
| Denver-Aurora-Broomfield, CO | 52 | $ 15,491,000 | $ 297,903 | $ 106,000 |
| Oakland-Fremont-Hayward, CA | 52 | $ 25,313,000 | $ 486,788 | $ 138,000 |
| Santa Ana-Anaheim-Irvine, CA | 50 | $ 22,687,000 | $ 453,740 | $ 151,000 |
| Cambridge-Newton-Framingham, MA | 49 | $ 15,354,000 | $ 313,346 | $ 123,000 |
| Baltimore-Towson, MD | 47 | $ 16,901,000 | $ 359,595 | $ 151,000 |
| Las Vegas-Paradise, NV | 43 | $ 10,042,000 | $ 233,534 | $ 134,000 |
| Boston-Quincy, MA | 40 | $ 13,356,000 | $ 333,900 | $ 147,000 |
| New York-White Plains-Wayne, NY-NJ | 39 | $ 14,396,000 | $ 369,128 | $ 151,743 |
| Portland-Vancouver-Hillsboro, OR-WA | 39 | $ 12,293,000 | $ 315,205 | $ 138,615 |
| Philadelphia, PA | 38 | $ 10,815,000 | $ 284,605 | $ 126,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 37 | $ 11,253,000 | $ 304,135 | $ 88,162 |
| Seattle-Bellevue-Everett, WA | 32 | $ 11,173,000 | $ 349,156 | $ 88,000 |
| Bethesda-Rockville-Frederick, MD | 31 | $ 11,663,000 | $ 376,225 | $ 165,000 |
| Riverside-San Bernardino-Ontario, CA | 31 | $ 8,544,000 | $ 275,612 | $ 108,000 |
| Omaha-Council Bluffs, NE-IA | 29 | $ 4,934,000 | $ 170,137 | $ 82,379 |
| Sacramento--Arden-Arcade--Roseville, CA | 27 | $ 8,195,000 | $ 303,518 | $ 108,000 |
| Newark-Union, NJ-PA | 25 | $ 9,997,000 | $ 399,880 | $ 171,000 |
| Tampa-St. Petersburg-Clearwater, FL | 25 | $ 7,429,000 | $ 297,160 | $ 108,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 24 | $ 5,569,000 | $ 232,041 | $ 113,000 |
| Orlando-Kissimmee-Sanford, FL | 22 | $ 4,288,000 | $ 194,909 | $ 68,000 |
| Colorado Springs, CO | 21 | $ 5,606,000 | $ 266,952 | $ 94,000 |
| Raleigh-Cary, NC | 21 | $ 5,472,000 | $ 260,571 | $ 148,000 |
| San Francisco-San Mateo-Redwood City, CA | 21 | $ 12,140,000 | $ 578,095 | $ 182,000 |
| Warren-Troy-Farmington Hills, MI | 21 | $ 5,401,000 | $ 257,190 | $ 116,000 |
| Charleston-North Charleston-Summerville, SC | 19 | $ 4,434,000 | $ 233,368 | $ 109,000 |
| Edison-New Brunswick, NJ | 19 | $ 6,289,000 | $ 331,000 | $ 136,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 19 | $ 7,048,000 | $ 370,947 | $ 162,000 |
| Austin-Round Rock-San Marcos, TX | 18 | $ 5,545,000 | $ 308,055 | $ 133,000 |
| Miami-Miami Beach-Kendall, FL | 18 | $ 4,225,000 | $ 234,722 | $ 108,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 17 | $ 4,987,000 | $ 293,352 | $ 126,235 |
| Portland-South Portland-Biddeford, ME | 17 | $ 4,550,000 | $ 267,647 | $ 172,000 |
| Camden, NJ | 16 | $ 3,672,000 | $ 229,500 | $ 79,000 |
| Cincinnati-Middletown, OH-KY-IN | 16 | $ 4,033,000 | $ 252,062 | $ 113,250 |
| Dallas-Plano-Irving, TX | 16 | $ 4,330,000 | $ 270,625 | $ 125,000 |
| Huntsville, AL | 16 | $ 4,182,000 | $ 261,375 | $ 109,000 |
| Jacksonville, FL | 16 | $ 3,254,000 | $ 203,375 | $ 78,000 |
| Oklahoma City, OK | 16 | $ 3,855,000 | $ 240,937 | $ 75,000 |
| Peabody, MA | 16 | $ 4,900,000 | $ 306,250 | $ 129,000 |
| Providence-New Bedford-Fall River, RI-MA | 16 | $ 4,334,000 | $ 270,875 | $ 76,250 |
| Baton Rouge, LA | 15 | $ 4,348,000 | $ 289,866 | $ 136,000 |
| Columbus, OH | 15 | $ 3,625,000 | $ 241,666 | $ 123,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 15 | $ 3,421,000 | $ 228,066 | $ 134,000 |
| St. Louis, MO-IL | 15 | $ 3,150,000 | $ 210,000 | $ 87,333 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 15 | $ 4,421,000 | $ 294,733 | $ 161,000 |
| Bridgeport-Stamford-Norwalk, CT | 14 | $ 4,811,000 | $ 343,642 | $ 107,000 |
| Houston-Sugar Land-Baytown, TX | 14 | $ 3,008,000 | $ 214,857 | $ 99,000 |
| Richmond, VA | 14 | $ 4,537,000 | $ 324,071 | $ 125,000 |
| Salt Lake City, UT | 14 | $ 4,985,000 | $ 356,071 | $ 129,000 |
| Birmingham-Hoover, AL | 13 | $ 2,330,000 | $ 179,230 | $ 102,000 |
| Louisville-Jefferson County, KY-IN | 13 | $ 2,868,000 | $ 220,615 | $ 116,538 |
| Nassau-Suffolk, NY | 13 | $ 4,236,000 | $ 325,846 | $ 140,000 |
| Ogden-Clearfield, UT | 13 | $ 3,407,000 | $ 262,076 | $ 90,000 |
| Indianapolis-Carmel, IN | 12 | $ 3,188,000 | $ 265,666 | $ 125,000 |
| Memphis, TN-MS-AR | 12 | $ 2,909,000 | $ 242,416 | $ 98,666 |
| Salinas, CA | 12 | $ 5,114,000 | $ 426,166 | $ 114,000 |
| Tucson, AZ | 12 | $ 3,523,000 | $ 293,583 | $ 44,000 |
| Bremerton-Silverdale, WA | 11 | $ 3,329,000 | $ 302,636 | $ 113,000 |
| Durham-Chapel Hill, NC | 11 | $ 2,435,000 | $ 221,363 | $ 98,000 |
| Asheville, NC | 10 | $ 2,275,000 | $ 227,500 | $ 107,000 |
| Augusta-Richmond County, GA-SC | 10 | $ 2,407,000 | $ 240,700 | $ 134,800 |
| Fayetteville, NC | 10 | $ 1,569,000 | $ 156,900 | $ 15,000 |
| Milwaukee-Waukesha-West Allis, WI | 10 | $ 2,832,000 | $ 283,200 | $ 141,000 |
| Rapid City, SD | 10 | $ 2,042,000 | $ 204,200 | $ 95,000 |
| Tulsa, OK | 10 | $ 1,407,000 | $ 140,700 | $ 82,000 |
| Wilmington, NC | 10 | $ 2,298,000 | $ 229,800 | $ 97,000 |
| Worcester, MA | 10 | $ 2,481,000 | $ 248,100 | $ 113,000 |
| Akron, OH | 9 | $ 1,935,000 | $ 215,000 | $ 86,000 |
| Boulder, CO | 9 | $ 2,305,000 | $ 256,111 | $ 114,000 |
| Cleveland-Elyria-Mentor, OH | 9 | $ 1,622,000 | $ 180,222 | $ 97,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 9 | $ 1,787,000 | $ 198,555 | $ 202,555 |
| Fort Collins-Loveland, CO | 9 | $ 2,696,000 | $ 299,555 | $ 89,000 |
| Madison, WI | 9 | $ 2,572,000 | $ 285,777 | $ 94,000 |
| New Orleans-Metairie-Kenner, LA | 9 | $ 1,830,000 | $ 203,333 | $ 74,000 |
| Sioux Falls, SD | 9 | $ 1,826,000 | $ 202,888 | $ 66,000 |
| Tacoma, WA | 9 | $ 3,135,000 | $ 348,333 | $ 143,000 |
| Albuquerque, NM | 8 | $ 2,032,000 | $ 254,000 | $ 91,000 |
| Ann Arbor, MI | 8 | $ 1,877,000 | $ 234,625 | $ 122,000 |
| Little Rock-North Little Rock-Conway, AR | 8 | $ 1,442,000 | $ 180,250 | $ 87,000 |
| Provo-Orem, UT | 8 | $ 1,875,000 | $ 234,375 | $ 72,000 |
| Reno-Sparks, NV | 8 | $ 2,124,000 | $ 265,500 | $ 139,000 |
| Savannah, GA | 8 | $ 1,921,000 | $ 240,125 | $ 126,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 7 | $ 1,693,000 | $ 241,857 | $ 74,428 |
| Bend, OR | 7 | $ 3,754,000 | $ 536,285 | $ 121,000 |
| Fort Worth-Arlington, TX | 7 | $ 1,324,000 | $ 189,142 | $ 102,000 |
| Greenville-Mauldin-Easley, SC | 7 | $ 1,566,000 | $ 223,714 | $ 103,000 |
| Knoxville, TN | 7 | $ 1,250,000 | $ 178,571 | $ 85,000 |
| Naples-Marco Island, FL | 7 | $ 2,002,000 | $ 286,000 | $ 180,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,524,000 | $ 217,714 | $ 91,000 |
| San Antonio-New Braunfels, TX | 7 | $ 2,666,000 | $ 380,857 | $ 65,000 |
| Shreveport-Bossier City, LA | 7 | $ 1,798,000 | $ 256,857 | $ 84,000 |
| Anchorage, AK | 6 | $ 1,319,000 | $ 219,833 | $ 159,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,222,000 | $ 203,666 | $ 127,000 |
| Columbia, SC | 6 | $ 1,174,000 | $ 195,666 | $ 18,000 |
| Duluth, MN-WI | 6 | $ 1,549,000 | $ 258,166 | $ 160,000 |
| Eugene-Springfield, OR | 6 | $ 1,521,000 | $ 253,500 | $ 97,000 |
| Flagstaff, AZ | 6 | $ 1,565,000 | $ 260,833 | $ 277,000 |
| Greeley, CO | 6 | $ 2,357,000 | $ 392,833 | $ 67,000 |
| Jacksonville, NC | 6 | $ 1,123,000 | $ 187,166 | $ 38,000 |
| Lake County-Kenosha County, IL-WI | 6 | $ 1,833,000 | $ 305,500 | $ 155,000 |
| New Haven-Milford, CT | 6 | $ 1,949,000 | $ 324,833 | $ 157,000 |
| Pittsburgh, PA | 6 | $ 1,814,000 | $ 302,333 | $ 152,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 2,306,000 | $ 384,333 | $ 182,000 |
| Vallejo-Fairfield, CA | 6 | $ 1,586,000 | $ 264,333 | $ 63,000 |
| Wilmington, DE-MD-NJ | 6 | $ 1,202,000 | $ 200,333 | $ 79,166 |
| Billings, MT | 5 | $ 1,044,000 | $ 208,800 | $ 31,000 |
| Charlottesville, VA | 5 | $ 1,347,000 | $ 269,400 | $ 70,000 |
| Coeur D'Alene, ID | 5 | $ 1,972,000 | $ 394,400 | $ 414,000 |
| Columbus, GA-AL | 5 | $ 1,191,000 | $ 238,200 | $ 62,400 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 1,192,000 | $ 238,400 | $ 140,000 |
| Dubuque, IA | 5 | $ 555,000 | $ 111,000 | $ 16,000 |
| Fargo, ND-MN | 5 | $ 836,000 | $ 167,200 | $ 60,200 |
| Greensboro-High Point, NC | 5 | $ 1,087,000 | $ 217,400 | $ 90,000 |
| Lakeland-Winter Haven, FL | 5 | $ 1,647,000 | $ 329,400 | $ 76,000 |
| Montgomery, AL | 5 | $ 911,000 | $ 182,200 | $ 36,000 |
| Olympia, WA | 5 | $ 1,659,000 | $ 331,800 | $ 96,000 |
| Port St. Lucie, FL | 5 | $ 1,046,000 | $ 209,200 | $ 132,000 |
| Santa Rosa-Petaluma, CA | 5 | $ 1,880,000 | $ 376,000 | $ 147,000 |
| Trenton-Ewing, NJ | 5 | $ 1,438,000 | $ 287,600 | $ 141,000 |
| Albany-Schenectady-Troy, NY | 4 | $ 717,000 | $ 179,250 | $ 105,000 |
| Anniston-Oxford, AL | 4 | $ 544,000 | $ 136,000 | $ 53,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 1,075,000 | $ 268,750 | $ 123,000 |
| Bakersfield-Delano, CA | 4 | $ 682,000 | $ 170,500 | $ 43,000 |
| Bellingham, WA | 4 | $ 1,279,000 | $ 319,750 | $ 138,000 |
| Buffalo-Niagara Falls, NY | 4 | $ 820,000 | $ 205,000 | $ 100,000 |
| Clarksville, TN-KY | 4 | $ 732,000 | $ 183,000 | $ 60,000 |
| Dayton, OH | 4 | $ 830,000 | $ 207,500 | $ 145,000 |
| Grand Forks, ND-MN | 4 | $ 1,117,000 | $ 279,250 | $ 183,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 1,252,000 | $ 313,000 | $ 233,000 |
| Harrisburg-Carlisle, PA | 4 | $ 1,152,000 | $ 288,000 | $ 60,000 |
| Hartford-West Hartford-East Hartford, CT | 4 | $ 1,078,000 | $ 269,500 | $ 114,000 |
| Jackson, MS | 4 | $ 772,000 | $ 193,000 | $ 120,000 |
| Joplin, MO | 4 | $ 510,000 | $ 127,500 | $ 17,000 |
| Lexington-Fayette, KY | 4 | $ 646,000 | $ 161,500 | $ 79,000 |
| Manchester-Nashua, NH | 4 | $ 1,444,000 | $ 361,000 | $ 128,000 |
| Manhattan, KS | 4 | $ 639,000 | $ 159,750 | $ 44,000 |
| North Port-Bradenton-Sarasota, FL | 4 | $ 911,000 | $ 227,750 | $ 210,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 1,216,000 | $ 304,000 | $ 148,000 |
| Salem, OR | 4 | $ 1,046,000 | $ 261,500 | $ 77,000 |
| Spokane, WA | 4 | $ 1,056,000 | $ 264,000 | $ 101,000 |
| Springfield, MA | 4 | $ 875,000 | $ 218,750 | $ 87,000 |
| St. Cloud, MN | 4 | $ 710,000 | $ 177,500 | $ 53,000 |
| Stockton, CA | 4 | $ 1,161,000 | $ 290,250 | $ 61,000 |
| Tuscaloosa, AL | 4 | $ 600,000 | $ 150,000 | $ 47,000 |
| Auburn-Opelika, AL | 3 | $ 403,000 | $ 134,333 | $ 233,000 |
| Bloomington, IN | 3 | $ 630,000 | $ 210,000 | $ 102,000 |
| Bloomington-Normal, IL | 3 | $ 1,081,000 | $ 360,333 | $ 123,000 |
| Burlington, NC | 3 | $ 679,000 | $ 226,333 | $ 134,000 |
| Burlington-South Burlington, VT | 3 | $ 936,000 | $ 312,000 | $ 130,000 |
| Cedar Rapids, IA | 3 | $ 419,000 | $ 139,666 | $ 86,000 |
| Cheyenne, WY | 3 | $ 703,000 | $ 234,333 | $ 84,000 |
| Des Moines-West Des Moines, IA | 3 | $ 562,000 | $ 187,333 | $ 85,000 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 958,000 | $ 319,333 | $ 152,000 |
| Eau Claire, WI | 3 | $ 578,000 | $ 192,666 | $ 57,000 |
| Fort Smith, AR-OK | 3 | $ 567,000 | $ 189,000 | $ 88,000 |
| Fresno, CA | 3 | $ 622,000 | $ 207,333 | $ 97,000 |
| Gainesville, FL | 3 | $ 543,000 | $ 181,000 | $ 47,000 |
| Gary, IN | 3 | $ 569,000 | $ 189,666 | $ 52,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 547,000 | $ 182,333 | $ 61,666 |
| Kennewick-Pasco-Richland, WA | 3 | $ 763,000 | $ 254,333 | $ 48,000 |
| Lafayette, LA | 3 | $ 463,000 | $ 154,333 | $ 78,000 |
| Lawrence, KS | 3 | $ 484,000 | $ 161,333 | $ 47,000 |
| Muskegon-Norton Shores, MI | 3 | $ 276,000 | $ 92,000 | $ 82,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 3 | $ 708,000 | $ 236,000 | $ 101,333 |
| Pine Bluff, AR | 3 | $ 1,127,000 | $ 375,666 | $ 92,000 |
| Prescott, AZ | 3 | $ 616,000 | $ 205,333 | $ 102,000 |
| Rochester, MN | 3 | $ 771,000 | $ 257,000 | $ 31,000 |
| Sioux City, IA-NE-SD | 3 | $ 859,000 | $ 286,333 | $ 138,333 |
| St. George, UT | 3 | $ 925,000 | $ 308,333 | $ 216,000 |
| Tallahassee, FL | 3 | $ 746,000 | $ 248,666 | $ 106,000 |
| Winchester, VA-WV | 3 | $ 508,000 | $ 169,333 | $ 110,666 |
| Barnstable Town, MA | 2 | $ 663,000 | $ 331,500 | $ 152,000 |
| Binghamton, NY | 2 | $ 504,000 | $ 252,000 | $ 145,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 422,000 | $ 211,000 | $ 124,000 |
| Boise City-Nampa, ID | 2 | $ 509,000 | $ 254,500 | $ 76,000 |
| Canton-Massillon, OH | 2 | $ 342,000 | $ 171,000 | $ 100,000 |
| Chico, CA | 2 | $ 392,000 | $ 196,000 | $ 112,000 |
| Decatur, AL | 2 | $ 323,000 | $ 161,500 | $ 103,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 423,000 | $ 211,500 | $ 190,000 |
| El Paso, TX | 2 | $ 329,000 | $ 164,500 | $ 73,000 |
| Elkhart-Goshen, IN | 2 | $ 125,000 | $ 62,500 | $ 78,000 |
| Gulfport-Biloxi, MS | 2 | $ 363,000 | $ 181,500 | $ 49,000 |
| Hot Springs, AR | 2 | $ 298,000 | $ 149,000 | $ 97,000 |
| Lake Charles, LA | 2 | $ 380,000 | $ 190,000 | $ 161,000 |
| Lansing-East Lansing, MI | 2 | $ 530,000 | $ 265,000 | $ 124,000 |
| Lawton, OK | 2 | $ 533,000 | $ 266,500 | $ 348,000 |
| Lebanon, PA | 2 | $ 535,000 | $ 267,500 | $ 0 |
| Lewiston-Auburn, ME | 2 | $ 303,000 | $ 151,500 | $ 54,000 |
| Logan, UT-ID | 2 | $ 734,000 | $ 367,000 | $ 110,000 |
| Medford, OR | 2 | $ 351,000 | $ 175,500 | $ 63,000 |
| Mobile, AL | 2 | $ 477,000 | $ 238,500 | $ 98,000 |
| Ocean City, NJ | 2 | $ 506,000 | $ 253,000 | $ 183,000 |
| Palm Coast, FL | 2 | $ 556,000 | $ 278,000 | $ 84,000 |
| Reading, PA | 2 | $ 211,000 | $ 105,500 | $ 25,000 |
| Roanoke, VA | 2 | $ 386,000 | $ 193,000 | $ 143,000 |
| Rochester, NY | 2 | $ 478,000 | $ 239,000 | $ 81,000 |
| Rockingham County-Strafford County, NH | 2 | $ 775,000 | $ 387,500 | $ 161,000 |
| Sandusky, OH | 2 | $ 387,000 | $ 193,500 | $ 106,000 |
| Sebastian-Vero Beach, FL | 2 | $ 546,000 | $ 273,000 | $ 95,000 |
| Spartanburg, SC | 2 | $ 376,000 | $ 188,000 | $ 40,000 |
| Springfield, IL | 2 | $ 380,000 | $ 190,000 | $ 148,000 |
| Springfield, MO | 2 | $ 500,000 | $ 250,000 | $ 15,000 |
| St. Joseph, MO-KS | 2 | $ 289,000 | $ 144,500 | $ 75,000 |
| Toledo, OH | 2 | $ 452,000 | $ 226,000 | $ 189,000 |
| Valdosta, GA | 2 | $ 245,000 | $ 122,500 | $ 0 |
| Yakima, WA | 2 | $ 289,000 | $ 144,500 | $ 64,000 |
| York-Hanover, PA | 2 | $ 435,000 | $ 217,500 | $ 41,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 252,000 | $ 126,000 | $ 23,000 |
| Altoona, PA | 1 | $ 169,000 | $ 169,000 | $ 76,000 |
| Anderson, IN | 1 | $ 166,000 | $ 166,000 | $ 51,000 |
| Athens-Clarke County, GA | 1 | $ 116,000 | $ 116,000 | $ 55,000 |
| Battle Creek, MI | 1 | $ 166,000 | $ 166,000 | $ 150,000 |
| Beaumont-Port Arthur, TX | 1 | $ 267,000 | $ 267,000 | $ 161,000 |
| Bowling Green, KY | 1 | $ 212,000 | $ 212,000 | $ 90,000 |
| Cape Girardeau-Jackson, MO-IL | 1 | $ 223,000 | $ 223,000 | $ 0 |
| Carson City, NV | 1 | $ 276,000 | $ 276,000 | $ 89,000 |
| Champaign-Urbana, IL | 1 | $ 164,000 | $ 164,000 | $ 79,000 |
| Cleveland, TN | 1 | $ 370,000 | $ 370,000 | $ 172,000 |
| Columbia, MO | 1 | $ 513,000 | $ 513,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 282,000 | $ 282,000 | $ 151,000 |
| Corvallis, OR | 1 | $ 264,000 | $ 264,000 | $ 60,000 |
| Cumberland, MD-WV | 1 | $ 130,000 | $ 130,000 | $ 45,000 |
| Dothan, AL | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Elizabethtown, KY | 1 | $ 376,000 | $ 376,000 | $ 131,000 |
| Elmira, NY | 1 | $ 271,000 | $ 271,000 | $ 150,000 |
| Evansville, IN-KY | 1 | $ 155,000 | $ 155,000 | $ 77,000 |
| Flint, MI | 1 | $ 171,000 | $ 171,000 | $ 74,000 |
| Fort Wayne, IN | 1 | $ 48,000 | $ 48,000 | $ 21,000 |
| Gainesville, GA | 1 | $ 331,000 | $ 331,000 | $ 136,000 |
| Green Bay, WI | 1 | $ 102,000 | $ 102,000 | $ 75,000 |
| Harrisonburg, VA | 1 | $ 204,000 | $ 204,000 | $ 104,000 |
| Hattiesburg, MS | 1 | $ 152,000 | $ 152,000 | $ 90,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 225,000 | $ 225,000 | $ 110,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 120,000 | $ 120,000 | $ 52,000 |
| Jackson, MI | 1 | $ 264,000 | $ 264,000 | $ 84,000 |
| Jackson, TN | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Lafayette, IN | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 204,000 | $ 204,000 | $ 46,000 |
| Las Cruces, NM | 1 | $ 124,000 | $ 124,000 | $ 88,000 |
| Longview, WA | 1 | $ 164,000 | $ 164,000 | $ 81,000 |
| Madera-Chowchilla, CA | 1 | $ 67,000 | $ 67,000 | $ 22,000 |
| Mankato-North Mankato, MN | 1 | $ 112,000 | $ 112,000 | $ 35,000 |
| Monroe, MI | 1 | $ 132,000 | $ 132,000 | $ 66,000 |
| Morgantown, WV | 1 | $ 312,000 | $ 312,000 | $ 0 |
| Morristown, TN | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Muncie, IN | 1 | $ 276,000 | $ 276,000 | $ 122,000 |
| Napa, CA | 1 | $ 246,000 | $ 246,000 | $ 100,000 |
| Norwich-New London, CT | 1 | $ 95,000 | $ 95,000 | $ 158,000 |
| Ocala, FL | 1 | $ 231,000 | $ 231,000 | $ 93,000 |
| Oshkosh-Neenah, WI | 1 | $ 139,000 | $ 139,000 | $ 54,000 |
| Owensboro, KY | 1 | $ 118,000 | $ 118,000 | $ 93,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 225,000 | $ 225,000 | $ 104,000 |
| Pascagoula, MS | 1 | $ 239,000 | $ 239,000 | $ 101,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 417,000 | $ 417,000 | $ 122,000 |
| Pueblo, CO | 1 | $ 272,000 | $ 272,000 | $ 93,000 |
| Racine, WI | 1 | $ 88,000 | $ 88,000 | $ 124,000 |
| Redding, CA | 1 | $ 427,000 | $ 427,000 | $ 179,000 |
| Salisbury, MD | 1 | $ 140,000 | $ 140,000 | $ 59,000 |
| San Angelo, TX | 1 | $ 263,000 | $ 263,000 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 417,000 | $ 417,000 | $ 147,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 235,000 | $ 235,000 | $ 54,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 78,000 | $ 78,000 | $ 26,000 |
| Springfield, OH | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Sumter, SC | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Utica-Rome, NY | 1 | $ 185,000 | $ 185,000 | $ 115,000 |
| Waco, TX | 1 | $ 182,000 | $ 182,000 | $ 81,000 |
| Warner Robins, GA | 1 | $ 128,000 | $ 128,000 | $ 67,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 161,000 | $ 161,000 | $ 130,000 |
| Wausau, WI | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Williamsport, PA | 1 | $ 265,000 | $ 265,000 | $ 64,000 |
| Winston-Salem, NC | 1 | $ 110,000 | $ 110,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for BNC National Bank in 2011
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 | 2,987 | $790,313,000 | $264,000 | $1,600,000 | $109,000 | $2,391,000 |
| Home Purchase | 1,557 | $287,741,000 | $184,000 | $1,035,000 | $87,000 | $1,553,000 |
| Home Improvement | 144 | $36,297,000 | $252,000 | $850,000 | $123,000 | $396,000 |
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 | 3,499 | $801,582,000 | $229,000 | $1,600,000 | $102,000 | $2,391,000 |
| Not Provided | 637 | $174,721,000 | $274,000 | $1,177,000 | $114,000 | $1,082,000 |
| Asian | 195 | $56,922,000 | $291,000 | $885,000 | $120,000 | $385,000 |
| Hispanic | 174 | $35,235,000 | $202,000 | $521,000 | $71,000 | $360,000 |
| Black or African American | 129 | $32,088,000 | $248,000 | $1,500,000 | $69,000 | $310,000 |
| American Indian or Alaskan Native | 33 | $7,733,000 | $234,000 | $458,000 | $101,000 | $348,000 |
| Native Hawaiian or Other Pacific Islander | 21 | $6,070,000 | $289,000 | $703,000 | $82,000 | $239,000 |
| Not applicable | 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,390 | $606,139,000 | $253,000 | $1,600,000 | $140,000 | $2,391,000 |
| FHA-insured (Federal Housing Administration) | 1,186 | $193,007,000 | $162,000 | $737,000 | $60,000 | $304,000 |
| VA-guaranteed (Veterans Administration) | 1,064 | $309,725,000 | $291,000 | $1,193,000 | $67,000 | $1,200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 48 | $5,480,000 | $114,000 | $194,000 | $43,000 | $114,000 |
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 | 3,046 | $701,594,000 | $230,000 | $1,300,000 | $101,000 | $2,391,000 |
| Application Withdrawn By Applicant | 1,045 | $273,109,000 | $261,000 | $1,600,000 | $113,000 | $1,393,000 |
| Application Denied By Financial Institution | 466 | $105,429,000 | $226,000 | $1,500,000 | $88,000 | $966,000 |
| Application Approved But Not Accepted | 109 | $30,319,000 | $278,000 | $874,000 | $108,000 | $913,000 |
| File Closed For Incompleteness | 22 | $3,900,000 | $177,000 | $350,000 | $70,000 | $185,000 |
| 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 | 149 | $28,216,000 | $189,000 | $1,500,000 | $70,000 | $410,000 |
| Collateral | 147 | $37,064,000 | $252,000 | $960,000 | $105,000 | $691,000 |
| Debt-To-Income Ratio | 85 | $21,397,000 | $251,000 | $793,000 | $78,000 | $476,000 |
| Other | 23 | $5,000,000 | $217,000 | $989,000 | $83,000 | $227,000 |
| Unverifiable Information | 22 | $5,222,000 | $237,000 | $1,035,000 | $143,000 | $966,000 |
| Employment History | 18 | $3,634,000 | $201,000 | $760,000 | $66,000 | $144,000 |
| Credit Application Incomplete | 11 | $2,599,000 | $236,000 | $400,000 | $119,000 | $350,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $2,124,000 | $212,000 | $348,000 | $66,000 | $159,000 |
| Mortgage Insurance Denied | 1 | $173,000 | $173,000 | $173,000 | $125,000 | $125,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BNC National Bank's 2011 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About