BNC National Bank Mortgage Lending & HMDA Data, 2014
In 2014, BNC National Bank of Bismarck, ND reported 4,452 mortgage applications totaling $1.1 billion, down 30% from 2013. The average application was for $254,365, and applicants reported an average income of $97,413. 60% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Wichita, KS (531), Washington-Arlington-Alexandria, DC-VA-MD-WV (182) and Kansas City, MO-KS (158) (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 | 4,452 |
| Total Mortgage Loan Application Amount | $1,132,433,000 |
| Average Mortgage Loan Application Amount | $254,365 |
| Highest Mortgage Loan Application Amount | $7,400,000 |
| Average Applicant Income | $97,413 |
| Highest Applicant Income | $8,173,000 |
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Act (HMDA) records BNC National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 531 | $ 75,694,000 | $ 142,549 | $ 68,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 182 | $ 74,186,000 | $ 407,615 | $ 117,752 |
| Kansas City, MO-KS | 158 | $ 29,099,000 | $ 184,170 | $ 89,822 |
| Phoenix-Mesa-Scottsdale, AZ | 149 | $ 41,587,000 | $ 279,107 | $ 105,000 |
| Bismarck, ND | 147 | $ 37,032,000 | $ 251,918 | $ 112,000 |
| Davenport-Moline-Rock Island, IA-IL | 135 | $ 12,010,000 | $ 88,962 | $ 51,488 |
| Atlanta-Sandy Springs-Roswell, GA | 109 | $ 31,619,000 | $ 290,082 | $ 124,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 78 | $ 15,625,000 | $ 200,320 | $ 89,692 |
| Riverside-San Bernardino-Ontario, CA | 57 | $ 18,932,000 | $ 332,140 | $ 107,000 |
| Las Vegas-Henderson-Paradise, NV | 54 | $ 14,058,000 | $ 260,333 | $ 81,000 |
| New York-Jersey City-White Plains, NY-NJ | 54 | $ 18,875,000 | $ 349,537 | $ 122,666 |
| Topeka, KS | 54 | $ 6,397,000 | $ 118,462 | $ 60,000 |
| Tampa-St. Petersburg-Clearwater, FL | 51 | $ 14,295,000 | $ 280,294 | $ 114,000 |
| Denver-Aurora-Lakewood, CO | 47 | $ 14,736,000 | $ 313,531 | $ 107,000 |
| Los Angeles-Long Beach-Glendale, CA | 45 | $ 18,659,000 | $ 414,644 | $ 89,000 |
| Orlando-Kissimmee-Sanford, FL | 41 | $ 10,776,000 | $ 262,829 | $ 120,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 40 | $ 11,005,000 | $ 275,125 | $ 103,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 40 | $ 12,952,000 | $ 323,800 | $ 92,950 |
| San Diego-Carlsbad, CA | 39 | $ 15,845,000 | $ 406,282 | $ 104,000 |
| Baltimore-Columbia-Towson, MD | 38 | $ 12,194,000 | $ 320,894 | $ 97,000 |
| Seattle-Bellevue-Everett, WA | 38 | $ 12,848,000 | $ 338,105 | $ 116,000 |
| St. Louis, MO-IL | 36 | $ 8,241,000 | $ 228,916 | $ 86,083 |
| Portland-Vancouver-Hillsboro, OR-WA | 34 | $ 10,518,000 | $ 309,352 | $ 114,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 34 | $ 11,556,000 | $ 339,882 | $ 88,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 31 | $ 9,674,000 | $ 312,064 | $ 153,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 30 | $ 9,222,000 | $ 307,400 | $ 128,000 |
| Jacksonville, FL | 29 | $ 8,006,000 | $ 276,068 | $ 114,000 |
| Cambridge-Newton-Framingham, MA | 28 | $ 9,114,000 | $ 325,500 | $ 123,000 |
| Charlotte-Concord-Gastonia, NC-SC | 27 | $ 8,699,000 | $ 322,185 | $ 122,962 |
| Chicago-Naperville-Arlington Heights, IL | 27 | $ 7,093,000 | $ 262,703 | $ 107,000 |
| Charleston-North Charleston, SC | 26 | $ 7,366,000 | $ 283,307 | $ 113,000 |
| Newark, NJ-PA | 26 | $ 7,789,000 | $ 299,576 | $ 141,000 |
| Boston, MA | 25 | $ 7,609,000 | $ 304,360 | $ 110,000 |
| Silver Spring-Frederick-Rockville, MD | 25 | $ 10,233,000 | $ 409,320 | $ 103,000 |
| Salt Lake City, UT | 24 | $ 6,812,000 | $ 283,833 | $ 108,000 |
| Dallas-Plano-Irving, TX | 23 | $ 6,975,000 | $ 303,260 | $ 125,000 |
| Houston-The Woodlands-Sugar Land, TX | 23 | $ 6,349,000 | $ 276,043 | $ 127,000 |
| Lincoln, NE | 23 | $ 3,682,000 | $ 160,086 | $ 74,000 |
| Raleigh, NC | 23 | $ 6,172,000 | $ 268,347 | $ 100,000 |
| Warren-Troy-Farmington Hills, MI | 23 | $ 5,885,000 | $ 255,869 | $ 122,000 |
| Anaheim-Santa Ana-Irvine, CA | 22 | $ 9,993,000 | $ 454,227 | $ 450,000 |
| Cincinnati, OH-KY-IN | 22 | $ 5,630,000 | $ 255,909 | $ 84,590 |
| Tacoma-Lakewood, WA | 21 | $ 7,922,000 | $ 377,238 | $ 108,000 |
| Camden, NJ | 20 | $ 5,025,000 | $ 251,250 | $ 89,000 |
| Crestview-Fort Walton Beach-Destin, FL | 20 | $ 5,048,000 | $ 252,400 | $ 111,000 |
| Miami-Miami Beach-Kendall, FL | 20 | $ 6,866,000 | $ 343,300 | $ 98,000 |
| Oakland-Hayward-Berkeley, CA | 20 | $ 8,833,000 | $ 441,650 | $ 106,000 |
| Memphis, TN-MS-AR | 19 | $ 4,548,000 | $ 239,368 | $ 118,052 |
| Nassau County-Suffolk County, NY | 19 | $ 6,108,000 | $ 321,473 | $ 110,000 |
| Reno, NV | 19 | $ 4,560,000 | $ 240,000 | $ 106,000 |
| Albuquerque, NM | 18 | $ 4,301,000 | $ 238,944 | $ 87,000 |
| Birmingham-Hoover, AL | 18 | $ 5,447,000 | $ 302,611 | $ 93,000 |
| Colorado Springs, CO | 18 | $ 5,938,000 | $ 329,888 | $ 94,000 |
| Boise City, ID | 17 | $ 5,291,000 | $ 311,235 | $ 107,000 |
| Knoxville, TN | 17 | $ 5,194,000 | $ 305,529 | $ 101,000 |
| Oklahoma City, OK | 17 | $ 4,957,000 | $ 291,588 | $ 99,000 |
| Richmond, VA | 17 | $ 4,865,000 | $ 286,176 | $ 102,000 |
| Columbus, OH | 16 | $ 4,855,000 | $ 303,437 | $ 174,000 |
| Indianapolis-Carmel-Anderson, IN | 16 | $ 3,839,000 | $ 239,937 | $ 94,000 |
| North Port-Sarasota-Bradenton, FL | 16 | $ 4,435,000 | $ 277,187 | $ 110,000 |
| Omaha-Council Bluffs, NE-IA | 16 | $ 3,151,000 | $ 196,937 | $ 49,937 |
| Greenville-Anderson-Mauldin, SC | 15 | $ 3,966,000 | $ 264,400 | $ 142,000 |
| Montgomery County-Bucks County-Chester County, PA | 15 | $ 5,224,000 | $ 348,266 | $ 113,000 |
| Ogden-Clearfield, UT | 15 | $ 4,301,000 | $ 286,733 | $ 102,000 |
| Huntsville, AL | 14 | $ 3,613,000 | $ 258,071 | $ 95,000 |
| Palm Bay-Melbourne-Titusville, FL | 14 | $ 4,396,000 | $ 314,000 | $ 123,000 |
| Fayetteville, NC | 13 | $ 2,998,000 | $ 230,615 | $ 73,000 |
| Providence-Warwick, RI-MA | 13 | $ 3,660,000 | $ 281,538 | $ 101,384 |
| Austin-Round Rock, TX | 12 | $ 3,497,000 | $ 291,416 | $ 122,000 |
| Cape Coral-Fort Myers, FL | 12 | $ 3,093,000 | $ 257,750 | $ 110,000 |
| Worcester, MA-CT | 12 | $ 3,110,000 | $ 259,166 | $ 104,000 |
| Columbia, SC | 11 | $ 3,246,000 | $ 295,090 | $ 73,000 |
| Olympia-Tumwater, WA | 11 | $ 2,957,000 | $ 268,818 | $ 30,000 |
| Panama City, FL | 11 | $ 3,187,000 | $ 289,727 | $ 101,000 |
| San Antonio-New Braunfels, TX | 11 | $ 3,028,000 | $ 275,272 | $ 101,000 |
| Chattanooga, TN-GA | 10 | $ 2,405,000 | $ 240,500 | $ 84,000 |
| Provo-Orem, UT | 10 | $ 2,477,000 | $ 247,700 | $ 90,000 |
| Baton Rouge, LA | 9 | $ 2,255,000 | $ 250,555 | $ 105,000 |
| Bremerton-Silverdale, WA | 9 | $ 2,853,000 | $ 317,000 | $ 87,000 |
| Hartford-West Hartford-East Hartford, CT | 9 | $ 2,654,000 | $ 294,888 | $ 101,000 |
| Joplin, MO | 9 | $ 647,000 | $ 71,888 | $ 27,000 |
| Lawrence, KS | 9 | $ 1,632,000 | $ 181,333 | $ 60,000 |
| Milwaukee-Waukesha-West Allis, WI | 9 | $ 2,584,000 | $ 287,111 | $ 98,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 9 | $ 3,860,000 | $ 428,888 | $ 73,000 |
| Port St. Lucie, FL | 9 | $ 2,131,000 | $ 236,777 | $ 109,000 |
| Punta Gorda, FL | 9 | $ 1,865,000 | $ 207,222 | $ 113,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 9 | $ 3,855,000 | $ 428,333 | $ 131,000 |
| Savannah, GA | 9 | $ 2,164,000 | $ 240,444 | $ 56,000 |
| Tulsa, OK | 9 | $ 1,912,000 | $ 212,444 | $ 89,000 |
| Vallejo-Fairfield, CA | 9 | $ 2,776,000 | $ 308,444 | $ 59,000 |
| Cleveland-Elyria, OH | 8 | $ 2,253,000 | $ 281,625 | $ 106,000 |
| Dayton, OH | 8 | $ 1,857,000 | $ 232,125 | $ 64,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 8 | $ 1,803,000 | $ 225,375 | $ 88,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 8 | $ 2,674,000 | $ 334,250 | $ 85,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 8 | $ 2,292,000 | $ 286,500 | $ 143,000 |
| Louisville/Jefferson County, KY-IN | 8 | $ 2,262,000 | $ 282,750 | $ 146,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 8 | $ 2,226,000 | $ 278,250 | $ 92,750 |
| Pittsburgh, PA | 8 | $ 1,949,000 | $ 243,625 | $ 110,000 |
| San Francisco-Redwood City-South San Francisco, CA | 8 | $ 3,875,000 | $ 484,375 | $ 169,000 |
| St. George, UT | 8 | $ 2,638,000 | $ 329,750 | $ 127,000 |
| Charlottesville, VA | 7 | $ 1,727,000 | $ 246,714 | $ 124,000 |
| Columbus, GA-AL | 7 | $ 1,388,000 | $ 198,285 | $ 67,428 |
| Durham-Chapel Hill, NC | 7 | $ 2,555,000 | $ 365,000 | $ 78,000 |
| Greensboro-High Point, NC | 7 | $ 1,922,000 | $ 274,571 | $ 98,000 |
| Naples-Immokalee-Marco Island, FL | 7 | $ 2,004,000 | $ 286,285 | $ 140,000 |
| New Orleans-Metairie, LA | 7 | $ 2,034,000 | $ 290,571 | $ 94,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,665,000 | $ 237,857 | $ 89,000 |
| Rockingham County-Strafford County, NH | 7 | $ 1,787,000 | $ 255,285 | $ 70,000 |
| Winston-Salem, NC | 7 | $ 1,577,000 | $ 225,285 | $ 127,000 |
| Albany, OR | 6 | $ 1,300,000 | $ 216,666 | $ 55,000 |
| Albany-Schenectady-Troy, NY | 6 | $ 1,299,000 | $ 216,500 | $ 68,000 |
| Bakersfield, CA | 6 | $ 1,447,000 | $ 241,166 | $ 73,000 |
| Boulder, CO | 6 | $ 1,899,000 | $ 316,500 | $ 105,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 2,784,000 | $ 464,000 | $ 166,000 |
| Detroit-Dearborn-Livonia, MI | 6 | $ 1,031,000 | $ 171,833 | $ 56,000 |
| Fort Collins, CO | 6 | $ 1,580,000 | $ 263,333 | $ 99,000 |
| Fort Worth-Arlington, TX | 6 | $ 1,530,000 | $ 255,000 | $ 91,000 |
| Fresno, CA | 6 | $ 1,576,000 | $ 262,666 | $ 76,000 |
| Gulfport-Biloxi-Pascagoula, MS | 6 | $ 1,216,000 | $ 202,666 | $ 82,000 |
| Manchester-Nashua, NH | 6 | $ 1,859,000 | $ 309,833 | $ 163,000 |
| Salisbury, MD-DE | 6 | $ 1,428,000 | $ 238,000 | $ 181,500 |
| Santa Maria-Santa Barbara, CA | 6 | $ 2,045,000 | $ 340,833 | $ 90,000 |
| Shreveport-Bossier City, LA | 6 | $ 1,602,000 | $ 267,000 | $ 127,000 |
| Springfield, MA | 6 | $ 1,925,000 | $ 320,833 | $ 105,000 |
| Stockton-Lodi, CA | 6 | $ 1,867,000 | $ 311,166 | $ 114,000 |
| Tallahassee, FL | 6 | $ 1,174,000 | $ 195,666 | $ 118,000 |
| Wilmington, DE-MD-NJ | 6 | $ 1,516,000 | $ 252,666 | $ 128,833 |
| Asheville, NC | 5 | $ 1,285,000 | $ 257,000 | $ 108,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 5 | $ 998,000 | $ 199,600 | $ 55,000 |
| Burlington-South Burlington, VT | 5 | $ 1,212,000 | $ 242,400 | $ 42,000 |
| Clarksville, TN-KY | 5 | $ 1,182,000 | $ 236,400 | $ 69,400 |
| Harrisburg-Carlisle, PA | 5 | $ 1,199,000 | $ 239,800 | $ 86,000 |
| Hickory-Lenoir-Morganton, NC | 5 | $ 2,167,000 | $ 433,400 | $ 102,000 |
| Jacksonville, NC | 5 | $ 1,021,000 | $ 204,200 | $ 43,000 |
| Lafayette, LA | 5 | $ 1,211,000 | $ 242,200 | $ 73,000 |
| Madison, WI | 5 | $ 1,332,000 | $ 266,400 | $ 84,000 |
| New Bern, NC | 5 | $ 1,057,000 | $ 211,400 | $ 66,000 |
| New Haven-Milford, CT | 5 | $ 1,356,000 | $ 271,200 | $ 104,000 |
| Philadelphia, PA | 5 | $ 1,087,000 | $ 217,400 | $ 67,000 |
| Tucson, AZ | 5 | $ 1,131,000 | $ 226,200 | $ 106,000 |
| York-Hanover, PA | 5 | $ 1,439,000 | $ 287,800 | $ 167,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 1,579,000 | $ 394,750 | $ 117,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 1,125,000 | $ 281,250 | $ 66,250 |
| El Paso, TX | 4 | $ 1,055,000 | $ 263,750 | $ 117,000 |
| Fort Smith, AR-OK | 4 | $ 640,000 | $ 160,000 | $ 41,000 |
| Gary, IN | 4 | $ 907,000 | $ 226,750 | $ 79,000 |
| Jefferson City, MO | 4 | $ 465,000 | $ 116,250 | $ 40,000 |
| Killeen-Temple, TX | 4 | $ 1,034,000 | $ 258,500 | $ 81,000 |
| Lexington-Fayette, KY | 4 | $ 611,000 | $ 152,750 | $ 70,000 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 910,000 | $ 227,500 | $ 107,000 |
| Mansfield, OH | 4 | $ 336,000 | $ 84,000 | $ 75,000 |
| Norwich-New London, CT | 4 | $ 864,000 | $ 216,000 | $ 51,000 |
| Prescott, AZ | 4 | $ 1,008,000 | $ 252,000 | $ 76,000 |
| Roanoke, VA | 4 | $ 1,211,000 | $ 302,750 | $ 122,000 |
| Salinas, CA | 4 | $ 1,385,000 | $ 346,250 | $ 74,000 |
| Sebastian-Vero Beach, FL | 4 | $ 1,015,000 | $ 253,750 | $ 171,000 |
| Valdosta, GA | 4 | $ 627,000 | $ 156,750 | $ 17,000 |
| Wilmington, NC | 4 | $ 987,000 | $ 246,750 | $ 100,000 |
| Akron, OH | 3 | $ 839,000 | $ 279,666 | $ 102,000 |
| Billings, MT | 3 | $ 960,000 | $ 320,000 | $ 155,000 |
| Canton-Massillon, OH | 3 | $ 703,000 | $ 234,333 | $ 129,000 |
| Casper, WY | 3 | $ 1,040,000 | $ 346,666 | $ 191,000 |
| Charleston, WV | 3 | $ 578,000 | $ 192,666 | $ 166,000 |
| Dothan, AL | 3 | $ 529,000 | $ 176,333 | $ 96,000 |
| Dover, DE | 3 | $ 786,000 | $ 262,000 | $ 60,000 |
| Elizabethtown-Fort Knox, KY | 3 | $ 784,000 | $ 261,333 | $ 91,000 |
| Florence, SC | 3 | $ 698,000 | $ 232,666 | $ 123,000 |
| Fort Wayne, IN | 3 | $ 525,000 | $ 175,000 | $ 75,000 |
| Homosassa Springs, FL | 3 | $ 746,000 | $ 248,666 | $ 111,000 |
| Johnson City, TN | 3 | $ 871,000 | $ 290,333 | $ 127,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 690,000 | $ 230,000 | $ 91,000 |
| Lake Charles, LA | 3 | $ 606,000 | $ 202,000 | $ 88,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 524,000 | $ 174,666 | $ 81,333 |
| Lakeland-Winter Haven, FL | 3 | $ 783,000 | $ 261,000 | $ 133,000 |
| Las Cruces, NM | 3 | $ 577,000 | $ 192,333 | $ 33,000 |
| Lawton, OK | 3 | $ 837,000 | $ 279,000 | $ 96,000 |
| Lynchburg, VA | 3 | $ 612,000 | $ 204,000 | $ 67,000 |
| Manhattan, KS | 3 | $ 675,000 | $ 225,000 | $ 88,000 |
| Missoula, MT | 3 | $ 887,000 | $ 295,666 | $ 104,000 |
| Montgomery, AL | 3 | $ 658,000 | $ 219,333 | $ 101,000 |
| Ocala, FL | 3 | $ 763,000 | $ 254,333 | $ 17,000 |
| Pine Bluff, AR | 3 | $ 1,272,000 | $ 424,000 | $ 0 |
| Pittsfield, MA | 3 | $ 941,000 | $ 313,666 | $ 85,000 |
| Portland-South Portland, ME | 3 | $ 675,000 | $ 225,000 | $ 66,000 |
| Rapid City, SD | 3 | $ 815,000 | $ 271,666 | $ 109,000 |
| Santa Fe, NM | 3 | $ 782,000 | $ 260,666 | $ 88,000 |
| Santa Rosa, CA | 3 | $ 1,102,000 | $ 367,333 | $ 93,000 |
| Spartanburg, SC | 3 | $ 779,000 | $ 259,666 | $ 89,000 |
| Spokane-Spokane Valley, WA | 3 | $ 809,000 | $ 269,666 | $ 118,000 |
| Springfield, MO | 3 | $ 695,000 | $ 231,666 | $ 109,000 |
| Trenton, NJ | 3 | $ 821,000 | $ 273,666 | $ 121,000 |
| Amarillo, TX | 2 | $ 439,000 | $ 219,500 | $ 96,000 |
| Ann Arbor, MI | 2 | $ 552,000 | $ 276,000 | $ 94,000 |
| Athens-Clarke County, GA | 2 | $ 717,000 | $ 358,500 | $ 204,000 |
| Battle Creek, MI | 2 | $ 610,000 | $ 305,000 | $ 135,000 |
| Bellingham, WA | 2 | $ 591,000 | $ 295,500 | $ 61,000 |
| Binghamton, NY | 2 | $ 419,000 | $ 209,500 | $ 116,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 705,000 | $ 352,500 | $ 40,000 |
| California-Lexington Park, MD | 2 | $ 760,000 | $ 380,000 | $ 0 |
| Cape Girardeau, MO-IL | 2 | $ 374,000 | $ 187,000 | $ 120,000 |
| Carson City, NV | 2 | $ 828,000 | $ 414,000 | $ 215,000 |
| Cedar Rapids, IA | 2 | $ 475,000 | $ 237,500 | $ 100,000 |
| Cheyenne, WY | 2 | $ 291,000 | $ 145,500 | $ 61,000 |
| Chico, CA | 2 | $ 639,000 | $ 319,500 | $ 95,000 |
| Coeur D'Alene, ID | 2 | $ 656,000 | $ 328,000 | $ 79,000 |
| College Station-Bryan, TX | 2 | $ 556,000 | $ 278,000 | $ 181,000 |
| Columbia, MO | 2 | $ 450,000 | $ 225,000 | $ 100,000 |
| Corvallis, OR | 2 | $ 599,000 | $ 299,500 | $ 70,000 |
| Duluth, MN-WI | 2 | $ 299,000 | $ 149,500 | $ 68,000 |
| Eugene, OR | 2 | $ 498,000 | $ 249,000 | $ 98,000 |
| Evansville, IN-KY | 2 | $ 441,000 | $ 220,500 | $ 66,000 |
| Flagstaff, AZ | 2 | $ 426,000 | $ 213,000 | $ 56,000 |
| Flint, MI | 2 | $ 796,000 | $ 398,000 | $ 43,000 |
| Gainesville, FL | 2 | $ 665,000 | $ 332,500 | $ 82,000 |
| Greeley, CO | 2 | $ 670,000 | $ 335,000 | $ 131,000 |
| Green Bay, WI | 2 | $ 292,000 | $ 146,000 | $ 85,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 465,000 | $ 232,500 | $ 69,000 |
| Hammond, LA | 2 | $ 479,000 | $ 239,500 | $ 443,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 477,000 | $ 238,500 | $ 141,000 |
| Iowa City, IA | 2 | $ 297,000 | $ 148,500 | $ 41,000 |
| Jackson, MS | 2 | $ 656,000 | $ 328,000 | $ 112,000 |
| Janesville-Beloit, WI | 2 | $ 404,000 | $ 202,000 | $ 21,000 |
| Kalamazoo-Portage, MI | 2 | $ 564,000 | $ 282,000 | $ 109,000 |
| Kennewick-Richland, WA | 2 | $ 482,000 | $ 241,000 | $ 124,000 |
| Lafayette-West Lafayette, IN | 2 | $ 432,000 | $ 216,000 | $ 70,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 417,000 | $ 208,500 | $ 44,000 |
| Lancaster, PA | 2 | $ 482,000 | $ 241,000 | $ 63,000 |
| Lansing-East Lansing, MI | 2 | $ 469,000 | $ 234,500 | $ 148,000 |
| Lebanon, PA | 2 | $ 808,000 | $ 404,000 | $ 54,000 |
| Logan, UT-ID | 2 | $ 722,000 | $ 361,000 | $ 137,000 |
| Macon, GA | 2 | $ 582,000 | $ 291,000 | $ 89,000 |
| Monroe, LA | 2 | $ 517,000 | $ 258,500 | $ 107,000 |
| Morristown, TN | 2 | $ 469,000 | $ 234,500 | $ 76,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 619,000 | $ 309,500 | $ 77,000 |
| Napa, CA | 2 | $ 947,000 | $ 473,500 | $ 73,000 |
| Niles-Benton Harbor, MI | 2 | $ 472,000 | $ 236,000 | $ 76,000 |
| Redding, CA | 2 | $ 573,000 | $ 286,500 | $ 45,000 |
| Salem, OR | 2 | $ 515,000 | $ 257,500 | $ 67,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 716,000 | $ 358,000 | $ 56,000 |
| San Rafael, CA | 2 | $ 759,000 | $ 379,500 | $ 146,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 751,000 | $ 375,500 | $ 124,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 303,000 | $ 151,500 | $ 48,000 |
| Sioux City, IA-NE-SD | 2 | $ 365,000 | $ 182,500 | $ 54,000 |
| Sioux Falls, SD | 2 | $ 555,000 | $ 277,500 | $ 83,000 |
| Syracuse, NY | 2 | $ 1,008,000 | $ 504,000 | $ 213,000 |
| Terre Haute, IN | 2 | $ 692,000 | $ 346,000 | $ 70,000 |
| Toledo, OH | 2 | $ 401,000 | $ 200,500 | $ 120,000 |
| Vineland-Bridgeton, NJ | 2 | $ 533,000 | $ 266,500 | $ 166,000 |
| Wichita Falls, TX | 2 | $ 462,000 | $ 231,000 | $ 103,000 |
| Williamsport, PA | 2 | $ 255,000 | $ 127,500 | $ 23,000 |
| Abilene, TX | 1 | $ 256,000 | $ 256,000 | $ 82,000 |
| Altoona, PA | 1 | $ 219,000 | $ 219,000 | $ 72,000 |
| Appleton, WI | 1 | $ 325,000 | $ 325,000 | $ 76,000 |
| Auburn-Opelika, AL | 1 | $ 207,000 | $ 207,000 | $ 98,000 |
| Barnstable Town, MA | 1 | $ 327,000 | $ 327,000 | $ 60,000 |
| Bay City, MI | 1 | $ 295,000 | $ 295,000 | $ 69,000 |
| Bend-Redmond, OR | 1 | $ 314,000 | $ 314,000 | $ 142,000 |
| Brunswick, GA | 1 | $ 114,000 | $ 114,000 | $ 38,000 |
| Champaign-Urbana, IL | 1 | $ 102,000 | $ 102,000 | $ 42,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 312,000 | $ 312,000 | $ 141,000 |
| Decatur, AL | 1 | $ 204,000 | $ 204,000 | $ 69,000 |
| Des Moines-West Des Moines, IA | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| Eau Claire, WI | 1 | $ 163,000 | $ 163,000 | $ 84,000 |
| Elkhart-Goshen, IN | 1 | $ 258,000 | $ 258,000 | $ 100,000 |
| Elmira, NY | 1 | $ 129,000 | $ 129,000 | $ 42,000 |
| Fargo, ND-MN | 1 | $ 300,000 | $ 300,000 | $ 88,000 |
| Farmington, NM | 1 | $ 387,000 | $ 387,000 | $ 111,000 |
| Gainesville, GA | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Gettysburg, PA | 1 | $ 109,000 | $ 109,000 | $ 44,000 |
| Glens Falls, NY | 1 | $ 310,000 | $ 310,000 | $ 112,000 |
| Grand Forks, ND-MN | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Grand Island, NE | 1 | $ 164,000 | $ 164,000 | $ 357,000 |
| Grand Junction, CO | 1 | $ 247,000 | $ 247,000 | $ 94,000 |
| Great Falls, MT | 1 | $ 278,000 | $ 278,000 | $ 88,000 |
| Greenville, NC | 1 | $ 170,000 | $ 170,000 | $ 66,000 |
| Hanford-Corcoran, CA | 1 | $ 163,000 | $ 163,000 | $ 88,000 |
| Hattiesburg, MS | 1 | $ 155,000 | $ 155,000 | $ 72,000 |
| Hinesville, GA | 1 | $ 238,000 | $ 238,000 | $ 106,000 |
| Houma-Thibodaux, LA | 1 | $ 302,000 | $ 302,000 | $ 129,000 |
| Idaho Falls, ID | 1 | $ 127,000 | $ 127,000 | $ 36,000 |
| Jackson, MI | 1 | $ 347,000 | $ 347,000 | $ 102,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 700,000 | $ 700,000 | $ 150,000 |
| Kankakee, IL | 1 | $ 298,000 | $ 298,000 | $ 109,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 129,000 | $ 129,000 | $ 70,000 |
| Lewiston-Auburn, ME | 1 | $ 191,000 | $ 191,000 | $ 101,000 |
| Longview, WA | 1 | $ 265,000 | $ 265,000 | $ 114,000 |
| Madera, CA | 1 | $ 405,000 | $ 405,000 | $ 90,000 |
| Medford, OR | 1 | $ 234,000 | $ 234,000 | $ 61,000 |
| Michigan City-La Porte, IN | 1 | $ 150,000 | $ 150,000 | $ 216,000 |
| Mobile, AL | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Modesto, CA | 1 | $ 299,000 | $ 299,000 | $ 0 |
| Monroe, MI | 1 | $ 278,000 | $ 278,000 | $ 120,000 |
| Muskegon, MI | 1 | $ 149,000 | $ 149,000 | $ 59,000 |
| Pocatello, ID | 1 | $ 245,000 | $ 245,000 | $ 95,000 |
| Pueblo, CO | 1 | $ 95,000 | $ 95,000 | $ 71,000 |
| Reading, PA | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Rochester, MN | 1 | $ 313,000 | $ 313,000 | $ 163,000 |
| Rochester, NY | 1 | $ 201,000 | $ 201,000 | $ 69,000 |
| Rome, GA | 1 | $ 152,000 | $ 152,000 | $ 93,000 |
| Saginaw, MI | 1 | $ 193,000 | $ 193,000 | $ 71,000 |
| Sebring, FL | 1 | $ 245,000 | $ 245,000 | $ 255,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 244,000 | $ 244,000 | $ 321,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 275,000 | $ 275,000 | $ 83,000 |
| Springfield, OH | 1 | $ 220,000 | $ 220,000 | $ 57,000 |
| St. Cloud, MN | 1 | $ 257,000 | $ 257,000 | $ 80,000 |
| St. Joseph, MO-KS | 1 | $ 151,000 | $ 151,000 | $ 100,000 |
| Staunton-Waynesboro, VA | 1 | $ 396,000 | $ 396,000 | $ 307,000 |
| Texarkana, TX-AR | 1 | $ 226,000 | $ 226,000 | $ 40,000 |
| The Villages, FL | 1 | $ 220,000 | $ 220,000 | $ 117,000 |
| Visalia-Porterville, CA | 1 | $ 258,000 | $ 258,000 | $ 50,000 |
| Waco, TX | 1 | $ 220,000 | $ 220,000 | $ 76,000 |
| Warner Robins, GA | 1 | $ 181,000 | $ 181,000 | $ 69,000 |
| Watertown-Fort Drum, NY | 1 | $ 281,000 | $ 281,000 | $ 74,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Wheeling, WV-OH | 1 | $ 225,000 | $ 225,000 | $ 53,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 247,000 | $ 247,000 | $ 109,000 |
| Yuma, AZ | 1 | $ 225,000 | $ 225,000 | $ 0 |
Mortgage Loan Application Detail Totals for BNC National Bank in 2014
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 | 2,419 | $559,597,000 | $231,000 | $7,400,000 | $100,000 | $8,173,000 |
| Refinancing | 1,786 | $512,590,000 | $287,000 | $1,440,000 | $93,000 | $1,500,000 |
| Home Improvement | 247 | $60,246,000 | $243,000 | $600,000 | $104,000 | $414,000 |
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 | 2,882 | $685,564,000 | $237,000 | $1,440,000 | $93,000 | $914,000 |
| Not Provided | 906 | $257,783,000 | $284,000 | $950,000 | $117,000 | $8,173,000 |
| Asian | 222 | $61,290,000 | $276,000 | $1,022,000 | $102,000 | $356,000 |
| Hispanic | 217 | $50,173,000 | $231,000 | $600,000 | $73,000 | $415,000 |
| Black or African American | 173 | $44,452,000 | $256,000 | $1,000,000 | $80,000 | $423,000 |
| American Indian or Alaskan Native | 32 | $7,707,000 | $240,000 | $517,000 | $138,000 | $500,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $3,169,000 | $316,000 | $431,000 | $95,000 | $165,000 |
| Not applicable | 10 | $22,295,000 | $2,229,000 | $7,400,000 | $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) | 2,060 | $513,780,000 | $249,000 | $7,400,000 | $120,000 | $8,173,000 |
| VA-guaranteed (Veterans Administration) | 1,914 | $555,497,000 | $290,000 | $1,152,000 | $83,000 | $425,000 |
| FHA-insured (Federal Housing Administration) | 405 | $54,581,000 | $134,000 | $635,000 | $57,000 | $306,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 73 | $8,575,000 | $117,000 | $249,000 | $46,000 | $92,000 |
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 | 2,691 | $674,190,000 | $250,000 | $7,400,000 | $93,000 | $852,000 |
| Application Withdrawn By Applicant | 1,085 | $285,602,000 | $263,000 | $1,440,000 | $113,000 | $8,173,000 |
| Application Denied By Financial Institution | 652 | $165,304,000 | $253,000 | $1,152,000 | $88,000 | $1,500,000 |
| Application Approved But Not Accepted | 22 | $7,042,000 | $320,000 | $1,000,000 | $137,000 | $476,000 |
| Loan Purchased By The Institution | 2 | $295,000 | $147,000 | $217,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 Application Incomplete | 187 | $50,120,000 | $268,000 | $1,152,000 | $104,000 | $1,500,000 |
| Credit History | 146 | $35,569,000 | $243,000 | $1,123,000 | $77,000 | $336,000 |
| Debt-To-Income Ratio | 118 | $29,258,000 | $247,000 | $1,022,000 | $68,000 | $324,000 |
| Collateral | 116 | $28,531,000 | $245,000 | $912,000 | $95,000 | $321,000 |
| Other | 30 | $7,935,000 | $264,000 | $961,000 | $99,000 | $423,000 |
| Employment History | 25 | $5,433,000 | $217,000 | $618,000 | $82,000 | $300,000 |
| Unverifiable Information | 23 | $5,924,000 | $257,000 | $640,000 | $93,000 | $251,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $2,534,000 | $362,000 | $679,000 | $106,000 | $260,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BNC National Bank's 2014 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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