BNC National Bank Mortgage Lending & HMDA Data, 2012
In 2012, BNC National Bank of Bismarck, ND reported 6,764 mortgage applications totaling $1.7 billion, up 44% from 2011. The average application was for $245,868, and applicants reported an average income of $95,975. 70% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Wichita, KS (696), Kansas City, MO-KS (399) and Washington-Arlington-Alexandria, DC-VA-MD-WV (296) (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 | 6,764 |
| Total Mortgage Loan Application Amount | $1,663,053,000 |
| Average Mortgage Loan Application Amount | $245,868 |
| Highest Mortgage Loan Application Amount | $1,700,000 |
| Average Applicant Income | $95,975 |
| Highest Applicant Income | $5,012,000 |
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Act (HMDA) records BNC National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 696 | $ 96,696,000 | $ 138,931 | $ 71,000 |
| Kansas City, MO-KS | 399 | $ 72,944,000 | $ 182,817 | $ 81,516 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 296 | $ 123,113,000 | $ 415,922 | $ 101,905 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 237 | $ 51,406,000 | $ 216,902 | $ 98,033 |
| Phoenix-Mesa-Glendale, AZ | 232 | $ 56,621,000 | $ 244,056 | $ 133,000 |
| Lincoln, NE | 184 | $ 27,744,000 | $ 150,782 | $ 65,000 |
| Bismarck, ND | 150 | $ 25,994,000 | $ 173,293 | $ 116,000 |
| Davenport-Moline-Rock Island, IA-IL | 148 | $ 17,139,000 | $ 115,804 | $ 53,675 |
| Omaha-Council Bluffs, NE-IA | 147 | $ 28,382,000 | $ 193,074 | $ 84,877 |
| Los Angeles-Long Beach-Glendale, CA | 123 | $ 48,627,000 | $ 395,341 | $ 152,000 |
| San Diego-Carlsbad-San Marcos, CA | 108 | $ 40,666,000 | $ 376,537 | $ 102,000 |
| Topeka, KS | 103 | $ 12,193,000 | $ 118,378 | $ 51,000 |
| Atlanta-Sandy Springs-Marietta, GA | 80 | $ 19,715,000 | $ 246,437 | $ 122,000 |
| Denver-Aurora-Broomfield, CO | 76 | $ 22,674,000 | $ 298,342 | $ 112,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 76 | $ 22,037,000 | $ 289,960 | $ 114,078 |
| Riverside-San Bernardino-Ontario, CA | 73 | $ 20,602,000 | $ 282,219 | $ 114,000 |
| Baltimore-Towson, MD | 70 | $ 25,747,000 | $ 367,814 | $ 97,000 |
| Santa Ana-Anaheim-Irvine, CA | 69 | $ 26,611,000 | $ 385,666 | $ 116,000 |
| New York-White Plains-Wayne, NY-NJ | 68 | $ 23,214,000 | $ 341,382 | $ 123,235 |
| Oakland-Fremont-Hayward, CA | 68 | $ 29,444,000 | $ 433,000 | $ 137,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 62 | $ 17,369,000 | $ 280,145 | $ 55,112 |
| Cambridge-Newton-Framingham, MA | 61 | $ 20,060,000 | $ 328,852 | $ 140,000 |
| Colorado Springs, CO | 61 | $ 16,412,000 | $ 269,049 | $ 50,000 |
| Seattle-Bellevue-Everett, WA | 58 | $ 20,480,000 | $ 353,103 | $ 123,000 |
| Bethesda-Rockville-Frederick, MD | 53 | $ 20,895,000 | $ 394,245 | $ 121,000 |
| Edison-New Brunswick, NJ | 53 | $ 17,261,000 | $ 325,679 | $ 135,000 |
| Philadelphia, PA | 53 | $ 15,737,000 | $ 296,924 | $ 128,000 |
| Chicago-Joliet-Naperville, IL | 51 | $ 14,420,000 | $ 282,745 | $ 102,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 51 | $ 16,293,000 | $ 319,470 | $ 98,000 |
| Tampa-St. Petersburg-Clearwater, FL | 47 | $ 13,159,000 | $ 279,978 | $ 119,000 |
| Las Vegas-Paradise, NV | 45 | $ 10,122,000 | $ 224,933 | $ 87,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 42 | $ 19,822,000 | $ 471,952 | $ 148,000 |
| St. Louis, MO-IL | 42 | $ 10,800,000 | $ 257,142 | $ 90,833 |
| Providence-New Bedford-Fall River, RI-MA | 39 | $ 10,922,000 | $ 280,051 | $ 89,230 |
| San Francisco-San Mateo-Redwood City, CA | 37 | $ 16,054,000 | $ 433,891 | $ 144,000 |
| Warren-Troy-Farmington Hills, MI | 35 | $ 8,984,000 | $ 256,685 | $ 136,000 |
| Boston-Quincy, MA | 32 | $ 9,070,000 | $ 283,437 | $ 93,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 32 | $ 11,292,000 | $ 352,875 | $ 126,000 |
| Jacksonville, FL | 31 | $ 7,925,000 | $ 255,645 | $ 93,000 |
| Raleigh-Cary, NC | 31 | $ 8,303,000 | $ 267,838 | $ 70,000 |
| Richmond, VA | 31 | $ 8,993,000 | $ 290,096 | $ 75,000 |
| Albuquerque, NM | 30 | $ 8,098,000 | $ 269,933 | $ 60,000 |
| Newark-Union, NJ-PA | 28 | $ 9,990,000 | $ 356,785 | $ 173,000 |
| Oklahoma City, OK | 28 | $ 6,330,000 | $ 226,071 | $ 122,000 |
| Tucson, AZ | 28 | $ 6,494,000 | $ 231,928 | $ 46,000 |
| Orlando-Kissimmee-Sanford, FL | 27 | $ 7,403,000 | $ 274,185 | $ 97,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 26 | $ 7,608,000 | $ 292,615 | $ 88,076 |
| Birmingham-Hoover, AL | 25 | $ 6,970,000 | $ 278,800 | $ 101,000 |
| Nassau-Suffolk, NY | 24 | $ 9,178,000 | $ 382,416 | $ 206,000 |
| Huntsville, AL | 23 | $ 5,823,000 | $ 253,173 | $ 68,000 |
| Charleston-North Charleston-Summerville, SC | 22 | $ 5,333,000 | $ 242,409 | $ 83,000 |
| Indianapolis-Carmel, IN | 22 | $ 4,982,000 | $ 226,454 | $ 76,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 22 | $ 5,827,000 | $ 264,863 | $ 71,000 |
| Peabody, MA | 22 | $ 6,851,000 | $ 311,409 | $ 112,000 |
| Bridgeport-Stamford-Norwalk, CT | 21 | $ 7,034,000 | $ 334,952 | $ 175,000 |
| Tacoma, WA | 21 | $ 6,806,000 | $ 324,095 | $ 96,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 21 | $ 6,662,000 | $ 317,238 | $ 124,000 |
| Cincinnati-Middletown, OH-KY-IN | 20 | $ 4,601,000 | $ 230,050 | $ 104,450 |
| Worcester, MA | 20 | $ 5,495,000 | $ 274,750 | $ 126,000 |
| Fayetteville, NC | 18 | $ 3,862,000 | $ 214,555 | $ 66,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 18 | $ 5,032,000 | $ 279,555 | $ 104,000 |
| Rockingham County-Strafford County, NH | 18 | $ 5,114,000 | $ 284,111 | $ 173,000 |
| Salt Lake City, UT | 18 | $ 4,976,000 | $ 276,444 | $ 110,000 |
| Boise City-Nampa, ID | 16 | $ 4,085,000 | $ 255,312 | $ 99,000 |
| Columbus, OH | 16 | $ 4,332,000 | $ 270,750 | $ 107,000 |
| Hartford-West Hartford-East Hartford, CT | 16 | $ 4,051,000 | $ 253,187 | $ 104,000 |
| Portland-South Portland-Biddeford, ME | 16 | $ 4,092,000 | $ 255,750 | $ 92,000 |
| Boulder, CO | 15 | $ 4,741,000 | $ 316,066 | $ 101,000 |
| Camden, NJ | 15 | $ 3,586,000 | $ 239,066 | $ 134,000 |
| Crestview-Fort Walton Beach-Destin, FL | 15 | $ 3,605,000 | $ 240,333 | $ 49,000 |
| Manchester-Nashua, NH | 15 | $ 5,030,000 | $ 335,333 | $ 195,000 |
| Memphis, TN-MS-AR | 15 | $ 3,776,000 | $ 251,733 | $ 133,866 |
| Pittsburgh, PA | 15 | $ 3,821,000 | $ 254,733 | $ 122,000 |
| Sioux Falls, SD | 15 | $ 2,623,000 | $ 174,866 | $ 92,000 |
| Tulsa, OK | 15 | $ 3,853,000 | $ 256,866 | $ 121,000 |
| Dayton, OH | 14 | $ 3,229,000 | $ 230,642 | $ 74,000 |
| Louisville/Jefferson County, KY-IN | 14 | $ 3,198,000 | $ 228,428 | $ 90,714 |
| Miami-Miami Beach-Kendall, FL | 14 | $ 3,655,000 | $ 261,071 | $ 120,000 |
| New Orleans-Metairie-Kenner, LA | 14 | $ 2,886,000 | $ 206,142 | $ 81,000 |
| Fargo, ND-MN | 13 | $ 2,575,000 | $ 198,076 | $ 83,000 |
| Pensacola-Ferry Pass-Brent, FL | 13 | $ 3,049,000 | $ 234,538 | $ 79,000 |
| Rapid City, SD | 13 | $ 2,745,000 | $ 211,153 | $ 67,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 12 | $ 4,047,000 | $ 337,250 | $ 139,000 |
| Augusta-Richmond County, GA-SC | 12 | $ 2,257,000 | $ 188,083 | $ 29,250 |
| Barnstable Town, MA | 12 | $ 3,470,000 | $ 289,166 | $ 120,000 |
| Bremerton-Silverdale, WA | 12 | $ 3,311,000 | $ 275,916 | $ 61,000 |
| Detroit-Livonia-Dearborn, MI | 12 | $ 2,706,000 | $ 225,500 | $ 151,000 |
| Milwaukee-Waukesha-West Allis, WI | 12 | $ 2,751,000 | $ 229,250 | $ 79,000 |
| Wilmington, DE-MD-NJ | 12 | $ 3,573,000 | $ 297,750 | $ 99,500 |
| Asheville, NC | 11 | $ 3,088,000 | $ 280,727 | $ 60,000 |
| Bakersfield-Delano, CA | 11 | $ 2,538,000 | $ 230,727 | $ 210,000 |
| Burlington-South Burlington, VT | 11 | $ 2,623,000 | $ 238,454 | $ 110,000 |
| Cape Coral-Fort Myers, FL | 11 | $ 3,046,000 | $ 276,909 | $ 160,000 |
| Clarksville, TN-KY | 11 | $ 2,227,000 | $ 202,454 | $ 13,818 |
| Palm Bay-Melbourne-Titusville, FL | 11 | $ 3,012,000 | $ 273,818 | $ 89,000 |
| Shreveport-Bossier City, LA | 11 | $ 2,813,000 | $ 255,727 | $ 30,000 |
| Ann Arbor, MI | 10 | $ 2,604,000 | $ 260,400 | $ 142,000 |
| Des Moines-West Des Moines, IA | 10 | $ 2,065,000 | $ 206,500 | $ 86,000 |
| Harrisburg-Carlisle, PA | 10 | $ 3,102,000 | $ 310,200 | $ 94,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 10 | $ 2,856,000 | $ 285,600 | $ 108,000 |
| Santa Rosa-Petaluma, CA | 10 | $ 2,603,000 | $ 260,300 | $ 177,000 |
| Baton Rouge, LA | 9 | $ 2,365,000 | $ 262,777 | $ 99,000 |
| Cedar Rapids, IA | 9 | $ 1,324,000 | $ 147,111 | $ 54,000 |
| Columbus, GA-AL | 9 | $ 2,396,000 | $ 266,222 | $ 59,000 |
| Dallas-Plano-Irving, TX | 9 | $ 1,710,000 | $ 190,000 | $ 66,000 |
| Durham-Chapel Hill, NC | 9 | $ 2,518,000 | $ 279,777 | $ 123,000 |
| Eugene-Springfield, OR | 9 | $ 2,297,000 | $ 255,222 | $ 52,000 |
| Greensboro-High Point, NC | 9 | $ 2,117,000 | $ 235,222 | $ 84,000 |
| Greenville-Mauldin-Easley, SC | 9 | $ 1,881,000 | $ 209,000 | $ 90,000 |
| Madison, WI | 9 | $ 2,955,000 | $ 328,333 | $ 92,000 |
| Ogden-Clearfield, UT | 9 | $ 2,284,000 | $ 253,777 | $ 93,000 |
| Salinas, CA | 9 | $ 4,519,000 | $ 502,111 | $ 59,000 |
| Santa Fe, NM | 9 | $ 2,801,000 | $ 311,222 | $ 95,000 |
| Savannah, GA | 9 | $ 2,178,000 | $ 242,000 | $ 75,000 |
| Springfield, MA | 9 | $ 2,502,000 | $ 278,000 | $ 208,000 |
| Sumter, SC | 9 | $ 1,415,000 | $ 157,222 | $ 35,000 |
| Trenton-Ewing, NJ | 9 | $ 2,733,000 | $ 303,666 | $ 171,000 |
| Bellingham, WA | 8 | $ 2,304,000 | $ 288,000 | $ 83,000 |
| Cleveland-Elyria-Mentor, OH | 8 | $ 1,789,000 | $ 223,625 | $ 109,000 |
| Columbia, SC | 8 | $ 1,413,000 | $ 176,625 | $ 63,000 |
| Gary, IN | 8 | $ 1,874,000 | $ 234,250 | $ 70,000 |
| Houston-Sugar Land-Baytown, TX | 8 | $ 2,013,000 | $ 251,625 | $ 129,000 |
| Jacksonville, NC | 8 | $ 2,056,000 | $ 257,000 | $ 81,000 |
| Lawrence, KS | 8 | $ 1,264,000 | $ 158,000 | $ 44,000 |
| New Haven-Milford, CT | 8 | $ 2,272,000 | $ 284,000 | $ 173,000 |
| North Port-Bradenton-Sarasota, FL | 8 | $ 2,424,000 | $ 303,000 | $ 118,000 |
| Norwich-New London, CT | 8 | $ 2,316,000 | $ 289,500 | $ 131,000 |
| Albany-Schenectady-Troy, NY | 7 | $ 1,840,000 | $ 262,857 | $ 110,000 |
| Auburn-Opelika, AL | 7 | $ 1,401,000 | $ 200,142 | $ 93,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 7 | $ 2,019,000 | $ 288,428 | $ 180,000 |
| Knoxville, TN | 7 | $ 2,177,000 | $ 311,000 | $ 106,000 |
| Lake County-Kenosha County, IL-WI | 7 | $ 1,820,000 | $ 260,000 | $ 152,571 |
| Lexington-Fayette, KY | 7 | $ 1,316,000 | $ 188,000 | $ 70,000 |
| Montgomery, AL | 7 | $ 2,215,000 | $ 316,428 | $ 65,000 |
| Provo-Orem, UT | 7 | $ 1,825,000 | $ 260,714 | $ 104,000 |
| Rochester, MN | 7 | $ 2,425,000 | $ 346,428 | $ 153,000 |
| Salem, OR | 7 | $ 1,843,000 | $ 263,285 | $ 42,000 |
| Santa Cruz-Watsonville, CA | 7 | $ 2,401,000 | $ 343,000 | $ 141,000 |
| Sebastian-Vero Beach, FL | 7 | $ 1,794,000 | $ 256,285 | $ 155,000 |
| Wilmington, NC | 7 | $ 1,758,000 | $ 251,142 | $ 21,000 |
| Charlottesville, VA | 6 | $ 1,870,000 | $ 311,666 | $ 54,000 |
| Fort Collins-Loveland, CO | 6 | $ 2,634,000 | $ 439,000 | $ 32,000 |
| Grand Forks, ND-MN | 6 | $ 797,000 | $ 132,833 | $ 76,666 |
| Joplin, MO | 6 | $ 787,000 | $ 131,166 | $ 63,000 |
| Little Rock-North Little Rock-Conway, AR | 6 | $ 1,226,000 | $ 204,333 | $ 40,000 |
| Medford, OR | 6 | $ 1,498,000 | $ 249,666 | $ 96,000 |
| Reading, PA | 6 | $ 1,327,000 | $ 221,166 | $ 113,000 |
| Reno-Sparks, NV | 6 | $ 1,872,000 | $ 312,000 | $ 64,000 |
| Rochester, NY | 6 | $ 1,868,000 | $ 311,333 | $ 157,000 |
| San Luis Obispo-Paso Robles, CA | 6 | $ 2,526,000 | $ 421,000 | $ 129,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 1,556,000 | $ 311,200 | $ 151,000 |
| Fresno, CA | 5 | $ 995,000 | $ 199,000 | $ 64,000 |
| Greeley, CO | 5 | $ 1,609,000 | $ 321,800 | $ 55,000 |
| Jackson, MS | 5 | $ 754,000 | $ 150,800 | $ 69,000 |
| Lafayette, LA | 5 | $ 1,271,000 | $ 254,200 | $ 64,000 |
| Manhattan, KS | 5 | $ 971,000 | $ 194,200 | $ 156,000 |
| Modesto, CA | 5 | $ 1,003,000 | $ 200,600 | $ 91,000 |
| Naples-Marco Island, FL | 5 | $ 1,524,000 | $ 304,800 | $ 173,000 |
| Scranton--Wilkes-Barre, PA | 5 | $ 872,000 | $ 174,400 | $ 83,000 |
| St. Joseph, MO-KS | 5 | $ 1,044,000 | $ 208,800 | $ 88,000 |
| Stockton, CA | 5 | $ 982,000 | $ 196,400 | $ 84,000 |
| Vallejo-Fairfield, CA | 5 | $ 1,344,000 | $ 268,800 | $ 53,000 |
| Anderson, SC | 4 | $ 713,000 | $ 178,250 | $ 80,000 |
| Chattanooga, TN-GA | 4 | $ 816,000 | $ 204,000 | $ 72,500 |
| Corvallis, OR | 4 | $ 955,000 | $ 238,750 | $ 30,000 |
| Dothan, AL | 4 | $ 772,000 | $ 193,000 | $ 45,000 |
| Dover, DE | 4 | $ 1,179,000 | $ 294,750 | $ 126,000 |
| Dubuque, IA | 4 | $ 514,000 | $ 128,500 | $ 67,000 |
| Duluth, MN-WI | 4 | $ 1,319,000 | $ 329,750 | $ 135,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 1,035,000 | $ 258,750 | $ 175,000 |
| Gulfport-Biloxi, MS | 4 | $ 756,000 | $ 189,000 | $ 13,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 1,068,000 | $ 267,000 | $ 22,000 |
| Lawton, OK | 4 | $ 917,000 | $ 229,250 | $ 44,000 |
| Mobile, AL | 4 | $ 922,000 | $ 230,500 | $ 200,000 |
| Olympia, WA | 4 | $ 1,050,000 | $ 262,500 | $ 0 |
| Santa Barbara-Santa Maria-Goleta, CA | 4 | $ 1,247,000 | $ 311,750 | $ 99,000 |
| Sioux City, IA-NE-SD | 4 | $ 545,000 | $ 136,250 | $ 119,000 |
| Spartanburg, SC | 4 | $ 949,000 | $ 237,250 | $ 99,000 |
| Toledo, OH | 4 | $ 882,000 | $ 220,500 | $ 226,000 |
| Winchester, VA-WV | 4 | $ 726,000 | $ 181,500 | $ 117,250 |
| Winston-Salem, NC | 4 | $ 1,077,000 | $ 269,250 | $ 78,000 |
| Akron, OH | 3 | $ 600,000 | $ 200,000 | $ 28,000 |
| Ames, IA | 3 | $ 530,000 | $ 176,666 | $ 32,000 |
| Anchorage, AK | 3 | $ 1,057,000 | $ 352,333 | $ 298,000 |
| Appleton, WI | 3 | $ 627,000 | $ 209,000 | $ 125,000 |
| Bangor, ME | 3 | $ 403,000 | $ 134,333 | $ 119,000 |
| Billings, MT | 3 | $ 737,000 | $ 245,666 | $ 104,000 |
| Bloomington, IN | 3 | $ 686,000 | $ 228,666 | $ 32,000 |
| Charleston, WV | 3 | $ 508,000 | $ 169,333 | $ 48,000 |
| Cheyenne, WY | 3 | $ 512,000 | $ 170,666 | $ 8,000 |
| Columbia, MO | 3 | $ 1,195,000 | $ 398,333 | $ 78,000 |
| Elizabethtown, KY | 3 | $ 698,000 | $ 232,666 | $ 0 |
| Goldsboro, NC | 3 | $ 522,000 | $ 174,000 | $ 0 |
| Great Falls, MT | 3 | $ 474,000 | $ 158,000 | $ 50,000 |
| Greenville, NC | 3 | $ 553,000 | $ 184,333 | $ 52,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 1,161,000 | $ 387,000 | $ 68,000 |
| Hot Springs, AR | 3 | $ 500,000 | $ 166,666 | $ 12,000 |
| Kennewick-Pasco-Richland, WA | 3 | $ 746,000 | $ 248,666 | $ 60,000 |
| Lafayette, IN | 3 | $ 612,000 | $ 204,000 | $ 117,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 603,000 | $ 201,000 | $ 40,000 |
| Lakeland-Winter Haven, FL | 3 | $ 811,000 | $ 270,333 | $ 120,000 |
| Las Cruces, NM | 3 | $ 926,000 | $ 308,666 | $ 57,000 |
| Lebanon, PA | 3 | $ 707,000 | $ 235,666 | $ 16,000 |
| Macon, GA | 3 | $ 756,000 | $ 252,000 | $ 44,000 |
| Morgantown, WV | 3 | $ 623,000 | $ 207,666 | $ 100,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 1,139,000 | $ 379,666 | $ 65,000 |
| Napa, CA | 3 | $ 1,717,000 | $ 572,333 | $ 347,000 |
| Ocean City, NJ | 3 | $ 921,000 | $ 307,000 | $ 181,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 3 | $ 605,000 | $ 201,666 | $ 28,000 |
| Pueblo, CO | 3 | $ 507,000 | $ 169,000 | $ 51,000 |
| Spokane, WA | 3 | $ 723,000 | $ 241,000 | $ 87,000 |
| Springfield, MO | 3 | $ 426,000 | $ 142,000 | $ 63,000 |
| Syracuse, NY | 3 | $ 416,000 | $ 138,666 | $ 19,000 |
| Tuscaloosa, AL | 3 | $ 685,000 | $ 228,333 | $ 44,000 |
| Alexandria, LA | 2 | $ 587,000 | $ 293,500 | $ 37,000 |
| Athens-Clarke County, GA | 2 | $ 813,000 | $ 406,500 | $ 166,000 |
| Bend, OR | 2 | $ 1,246,000 | $ 623,000 | $ 15,000 |
| Buffalo-Niagara Falls, NY | 2 | $ 352,000 | $ 176,000 | $ 102,000 |
| Elkhart-Goshen, IN | 2 | $ 296,000 | $ 148,000 | $ 38,000 |
| Flagstaff, AZ | 2 | $ 470,000 | $ 235,000 | $ 431,000 |
| Gainesville, FL | 2 | $ 664,000 | $ 332,000 | $ 218,000 |
| Gainesville, GA | 2 | $ 497,000 | $ 248,500 | $ 77,000 |
| Glens Falls, NY | 2 | $ 265,000 | $ 132,500 | $ 68,000 |
| Houma-Bayou Cane-Thibodaux, LA | 2 | $ 314,000 | $ 157,000 | $ 40,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 448,000 | $ 224,000 | $ 48,000 |
| Idaho Falls, ID | 2 | $ 475,000 | $ 237,500 | $ 0 |
| Janesville, WI | 2 | $ 566,000 | $ 283,000 | $ 119,000 |
| Johnson City, TN | 2 | $ 1,245,000 | $ 622,500 | $ 496,000 |
| Lansing-East Lansing, MI | 2 | $ 423,000 | $ 211,500 | $ 128,000 |
| Lynchburg, VA | 2 | $ 326,000 | $ 163,000 | $ 52,000 |
| Ocala, FL | 2 | $ 436,000 | $ 218,000 | $ 59,000 |
| Palm Coast, FL | 2 | $ 358,000 | $ 179,000 | $ 83,000 |
| Port St. Lucie, FL | 2 | $ 404,000 | $ 202,000 | $ 177,000 |
| Prescott, AZ | 2 | $ 722,000 | $ 361,000 | $ 115,000 |
| Roanoke, VA | 2 | $ 763,000 | $ 381,500 | $ 146,000 |
| San Antonio-New Braunfels, TX | 2 | $ 430,000 | $ 215,000 | $ 39,000 |
| St. Cloud, MN | 2 | $ 291,000 | $ 145,500 | $ 46,000 |
| Valdosta, GA | 2 | $ 348,000 | $ 174,000 | $ 32,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 553,000 | $ 276,500 | $ 121,000 |
| Warner Robins, GA | 2 | $ 229,000 | $ 114,500 | $ 61,000 |
| Wausau, WI | 2 | $ 272,000 | $ 136,000 | $ 102,000 |
| Yakima, WA | 2 | $ 268,000 | $ 134,000 | $ 39,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 494,000 | $ 247,000 | $ 81,000 |
| Anniston-Oxford, AL | 1 | $ 160,000 | $ 160,000 | $ 63,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 275,000 | $ 275,000 | $ 51,000 |
| Bloomington-Normal, IL | 1 | $ 225,000 | $ 225,000 | $ 119,000 |
| Canton-Massillon, OH | 1 | $ 232,000 | $ 232,000 | $ 75,000 |
| Carson City, NV | 1 | $ 234,000 | $ 234,000 | $ 65,000 |
| Champaign-Urbana, IL | 1 | $ 278,000 | $ 278,000 | $ 87,000 |
| Chico, CA | 1 | $ 247,000 | $ 247,000 | $ 60,000 |
| Coeur D'Alene, ID | 1 | $ 167,000 | $ 167,000 | $ 59,000 |
| Columbus, IN | 1 | $ 271,000 | $ 271,000 | $ 150,000 |
| Cumberland, MD-WV | 1 | $ 261,000 | $ 261,000 | $ 110,000 |
| Decatur, AL | 1 | $ 294,000 | $ 294,000 | $ 127,000 |
| El Centro, CA | 1 | $ 141,000 | $ 141,000 | $ 71,000 |
| Erie, PA | 1 | $ 237,000 | $ 237,000 | $ 86,000 |
| Evansville, IN-KY | 1 | $ 204,000 | $ 204,000 | $ 109,000 |
| Farmington, NM | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| Florence, SC | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Florence-Muscle Shoals, AL | 1 | $ 160,000 | $ 160,000 | $ 54,000 |
| Fort Wayne, IN | 1 | $ 116,000 | $ 116,000 | $ 53,000 |
| Fort Worth-Arlington, TX | 1 | $ 230,000 | $ 230,000 | $ 112,000 |
| Gadsden, AL | 1 | $ 230,000 | $ 230,000 | $ 124,000 |
| Grand Junction, CO | 1 | $ 265,000 | $ 265,000 | $ 88,000 |
| Green Bay, WI | 1 | $ 170,000 | $ 170,000 | $ 64,000 |
| Hanford-Corcoran, CA | 1 | $ 170,000 | $ 170,000 | $ 44,000 |
| Harrisonburg, VA | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Hattiesburg, MS | 1 | $ 74,000 | $ 74,000 | $ 119,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 150,000 | $ 150,000 | $ 75,000 |
| Iowa City, IA | 1 | $ 141,000 | $ 141,000 | $ 72,000 |
| Jefferson City, MO | 1 | $ 295,000 | $ 295,000 | $ 57,000 |
| Kalamazoo-Portage, MI | 1 | $ 194,000 | $ 194,000 | $ 150,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 252,000 | $ 252,000 | $ 68,000 |
| Kingston, NY | 1 | $ 379,000 | $ 379,000 | $ 0 |
| Lake Charles, LA | 1 | $ 227,000 | $ 227,000 | $ 164,000 |
| Lima, OH | 1 | $ 263,000 | $ 263,000 | $ 81,000 |
| Logan, UT-ID | 1 | $ 259,000 | $ 259,000 | $ 59,000 |
| Longview, WA | 1 | $ 411,000 | $ 411,000 | $ 239,000 |
| Mankato-North Mankato, MN | 1 | $ 380,000 | $ 380,000 | $ 429,000 |
| Mansfield, OH | 1 | $ 206,000 | $ 206,000 | $ 53,000 |
| Merced, CA | 1 | $ 111,000 | $ 111,000 | $ 216,000 |
| Michigan City-La Porte, IN | 1 | $ 134,000 | $ 134,000 | $ 37,000 |
| Missoula, MT | 1 | $ 305,000 | $ 305,000 | $ 164,000 |
| Monroe, LA | 1 | $ 258,000 | $ 258,000 | $ 70,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 139,000 | $ 139,000 | $ 180,000 |
| Niles-Benton Harbor, MI | 1 | $ 266,000 | $ 266,000 | $ 114,000 |
| Oshkosh-Neenah, WI | 1 | $ 87,000 | $ 87,000 | $ 60,000 |
| Punta Gorda, FL | 1 | $ 122,000 | $ 122,000 | $ 137,000 |
| Rockford, IL | 1 | $ 83,000 | $ 83,000 | $ 34,000 |
| Rocky Mount, NC | 1 | $ 307,000 | $ 307,000 | $ 57,000 |
| Springfield, IL | 1 | $ 268,000 | $ 268,000 | $ 140,000 |
| St. George, UT | 1 | $ 162,000 | $ 162,000 | $ 87,000 |
| State College, PA | 1 | $ 368,000 | $ 368,000 | $ 144,000 |
| Tallahassee, FL | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 233,000 | $ 233,000 | $ 68,000 |
| Wenatchee-East Wenatchee, WA | 1 | $ 398,000 | $ 398,000 | $ 81,000 |
| York-Hanover, PA | 1 | $ 374,000 | $ 374,000 | $ 0 |
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.
For a list of all lenders in North Dakota, download the full spreadsheet
with aggregated HMDA statistics today.
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