BNC National Bank Mortgage Lending & HMDA Data, 2016
In 2016, BNC National Bank of Bismarck, ND reported 5,619 mortgage applications totaling $1.6 billion, up 4% from 2015. The average application was for $282,880, and applicants reported an average income of $100,318. 67% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Kansas City, MO-KS (548), Wichita, KS (504) and Washington-Arlington-Alexandria, DC-VA-MD-WV (290) (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 | 5,619 |
| Total Mortgage Loan Application Amount | $1,589,503,000 |
| Average Mortgage Loan Application Amount | $282,880 |
| Highest Mortgage Loan Application Amount | $4,794,000 |
| Average Applicant Income | $100,318 |
| Highest Applicant Income | $1,380,000 |
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Act (HMDA) records BNC National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 548 | $ 95,148,000 | $ 173,627 | $ 76,041 |
| Wichita, KS | 504 | $ 76,973,000 | $ 152,724 | $ 72,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 290 | $ 120,894,000 | $ 416,875 | $ 111,851 |
| Atlanta-Sandy Springs-Roswell, GA | 164 | $ 51,773,000 | $ 315,689 | $ 119,000 |
| Bismarck, ND | 156 | $ 40,574,000 | $ 260,089 | $ 114,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 146 | $ 36,275,000 | $ 248,458 | $ 98,321 |
| Phoenix-Mesa-Scottsdale, AZ | 121 | $ 27,933,000 | $ 230,851 | $ 83,000 |
| Denver-Aurora-Lakewood, CO | 113 | $ 42,430,000 | $ 375,486 | $ 99,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 100 | $ 32,770,000 | $ 327,700 | $ 120,880 |
| Seattle-Bellevue-Everett, WA | 93 | $ 34,478,000 | $ 370,731 | $ 122,000 |
| Riverside-San Bernardino-Ontario, CA | 85 | $ 29,370,000 | $ 345,529 | $ 91,000 |
| Los Angeles-Long Beach-Glendale, CA | 82 | $ 34,950,000 | $ 426,219 | $ 102,000 |
| Davenport-Moline-Rock Island, IA-IL | 81 | $ 10,053,000 | $ 124,111 | $ 61,160 |
| Baltimore-Columbia-Towson, MD | 80 | $ 29,913,000 | $ 373,912 | $ 95,000 |
| Tampa-St. Petersburg-Clearwater, FL | 78 | $ 24,949,000 | $ 319,858 | $ 115,000 |
| San Diego-Carlsbad, CA | 68 | $ 29,306,000 | $ 430,970 | $ 81,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 66 | $ 21,115,000 | $ 319,924 | $ 118,000 |
| New York-Jersey City-White Plains, NY-NJ | 63 | $ 23,391,000 | $ 371,285 | $ 131,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 60 | $ 17,879,000 | $ 297,983 | $ 113,000 |
| Las Vegas-Henderson-Paradise, NV | 58 | $ 18,411,000 | $ 317,431 | $ 79,000 |
| Orlando-Kissimmee-Sanford, FL | 55 | $ 17,213,000 | $ 312,963 | $ 155,000 |
| Charlotte-Concord-Gastonia, NC-SC | 52 | $ 16,175,000 | $ 311,057 | $ 118,576 |
| Anaheim-Santa Ana-Irvine, CA | 51 | $ 24,915,000 | $ 488,529 | $ 90,000 |
| Jacksonville, FL | 51 | $ 16,278,000 | $ 319,176 | $ 121,000 |
| Raleigh, NC | 50 | $ 16,029,000 | $ 320,580 | $ 107,000 |
| Cambridge-Newton-Framingham, MA | 45 | $ 15,057,000 | $ 334,600 | $ 113,000 |
| Houston-The Woodlands-Sugar Land, TX | 43 | $ 12,341,000 | $ 287,000 | $ 152,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 43 | $ 15,006,000 | $ 348,976 | $ 100,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 43 | $ 14,143,000 | $ 328,906 | $ 102,372 |
| Colorado Springs, CO | 40 | $ 12,822,000 | $ 320,550 | $ 82,000 |
| Silver Spring-Frederick-Rockville, MD | 40 | $ 15,180,000 | $ 379,500 | $ 113,000 |
| Warren-Troy-Farmington Hills, MI | 34 | $ 9,559,000 | $ 281,147 | $ 95,000 |
| Boston, MA | 32 | $ 12,330,000 | $ 385,312 | $ 144,000 |
| Newark, NJ-PA | 31 | $ 11,418,000 | $ 368,322 | $ 155,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 31 | $ 10,352,000 | $ 333,935 | $ 142,000 |
| Miami-Miami Beach-Kendall, FL | 30 | $ 8,215,000 | $ 273,833 | $ 140,000 |
| North Port-Sarasota-Bradenton, FL | 30 | $ 10,502,000 | $ 350,066 | $ 105,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 30 | $ 12,857,000 | $ 428,566 | $ 95,000 |
| Montgomery County-Bucks County-Chester County, PA | 28 | $ 10,187,000 | $ 363,821 | $ 140,000 |
| Oakland-Hayward-Berkeley, CA | 27 | $ 11,358,000 | $ 420,666 | $ 147,000 |
| Columbus, OH | 23 | $ 6,749,000 | $ 293,434 | $ 143,000 |
| Richmond, VA | 23 | $ 7,214,000 | $ 313,652 | $ 120,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 22 | $ 5,000,000 | $ 227,272 | $ 102,000 |
| Providence-Warwick, RI-MA | 22 | $ 7,198,000 | $ 327,181 | $ 89,090 |
| Salt Lake City, UT | 22 | $ 7,571,000 | $ 344,136 | $ 94,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 22 | $ 11,065,000 | $ 502,954 | $ 141,000 |
| Tacoma-Lakewood, WA | 21 | $ 7,415,000 | $ 353,095 | $ 123,000 |
| Dallas-Plano-Irving, TX | 20 | $ 6,233,000 | $ 311,650 | $ 133,000 |
| Provo-Orem, UT | 20 | $ 6,565,000 | $ 328,250 | $ 106,000 |
| Indianapolis-Carmel-Anderson, IN | 18 | $ 5,007,000 | $ 278,166 | $ 97,000 |
| Reno, NV | 18 | $ 7,163,000 | $ 397,944 | $ 119,000 |
| San Francisco-Redwood City-South San Francisco, CA | 18 | $ 9,553,000 | $ 530,722 | $ 110,000 |
| Knoxville, TN | 17 | $ 5,148,000 | $ 302,823 | $ 94,000 |
| New Orleans-Metairie, LA | 17 | $ 5,564,000 | $ 327,294 | $ 131,000 |
| Cape Coral-Fort Myers, FL | 16 | $ 4,405,000 | $ 275,312 | $ 121,000 |
| Charleston-North Charleston, SC | 16 | $ 4,490,000 | $ 280,625 | $ 57,000 |
| Chicago-Naperville-Arlington Heights, IL | 16 | $ 4,705,000 | $ 294,062 | $ 109,000 |
| Palm Bay-Melbourne-Titusville, FL | 16 | $ 4,540,000 | $ 283,750 | $ 143,000 |
| Pittsburgh, PA | 16 | $ 4,785,000 | $ 299,062 | $ 95,000 |
| Augusta-Richmond County, GA-SC | 15 | $ 4,321,000 | $ 288,066 | $ 81,200 |
| Austin-Round Rock, TX | 15 | $ 5,293,000 | $ 352,866 | $ 118,000 |
| Boise City, ID | 15 | $ 4,168,000 | $ 277,866 | $ 99,000 |
| Naples-Immokalee-Marco Island, FL | 15 | $ 4,842,000 | $ 322,800 | $ 204,000 |
| Hartford-West Hartford-East Hartford, CT | 14 | $ 4,727,000 | $ 337,642 | $ 130,000 |
| Vallejo-Fairfield, CA | 14 | $ 5,268,000 | $ 376,285 | $ 81,000 |
| Albuquerque, NM | 13 | $ 3,658,000 | $ 281,384 | $ 108,000 |
| Durham-Chapel Hill, NC | 13 | $ 3,911,000 | $ 300,846 | $ 142,000 |
| Port St. Lucie, FL | 13 | $ 3,662,000 | $ 281,692 | $ 234,000 |
| St. Louis, MO-IL | 13 | $ 2,888,000 | $ 222,153 | $ 95,538 |
| Stockton-Lodi, CA | 13 | $ 4,141,000 | $ 318,538 | $ 104,000 |
| Worcester, MA-CT | 13 | $ 4,081,000 | $ 313,923 | $ 154,384 |
| Cincinnati, OH-KY-IN | 12 | $ 3,430,000 | $ 285,833 | $ 116,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 12 | $ 3,338,000 | $ 278,166 | $ 119,000 |
| Fort Collins, CO | 12 | $ 3,626,000 | $ 302,166 | $ 56,000 |
| Fort Worth-Arlington, TX | 12 | $ 3,705,000 | $ 308,750 | $ 191,000 |
| Greenville-Anderson-Mauldin, SC | 12 | $ 3,569,000 | $ 297,416 | $ 91,000 |
| Memphis, TN-MS-AR | 12 | $ 3,485,000 | $ 290,416 | $ 77,666 |
| Pensacola-Ferry Pass-Brent, FL | 12 | $ 4,015,000 | $ 334,583 | $ 93,000 |
| Savannah, GA | 12 | $ 3,974,000 | $ 331,166 | $ 77,000 |
| Boulder, CO | 11 | $ 4,759,000 | $ 432,636 | $ 92,000 |
| Bremerton-Silverdale, WA | 11 | $ 3,726,000 | $ 338,727 | $ 102,000 |
| Lake County-Kenosha County, IL-WI | 11 | $ 3,730,000 | $ 339,090 | $ 145,727 |
| Olympia-Tumwater, WA | 11 | $ 3,070,000 | $ 279,090 | $ 85,000 |
| Topeka, KS | 11 | $ 1,567,000 | $ 142,454 | $ 54,000 |
| Birmingham-Hoover, AL | 10 | $ 3,123,000 | $ 312,300 | $ 95,000 |
| Cleveland-Elyria, OH | 10 | $ 3,049,000 | $ 304,900 | $ 117,000 |
| Columbia, SC | 10 | $ 3,182,000 | $ 318,200 | $ 92,000 |
| Fresno, CA | 10 | $ 2,725,000 | $ 272,500 | $ 66,000 |
| Milwaukee-Waukesha-West Allis, WI | 10 | $ 3,118,000 | $ 311,800 | $ 115,000 |
| Oklahoma City, OK | 10 | $ 2,212,000 | $ 221,200 | $ 49,000 |
| Salem, OR | 10 | $ 2,934,000 | $ 293,400 | $ 50,000 |
| Bend-Redmond, OR | 9 | $ 2,833,000 | $ 314,777 | $ 64,000 |
| Gary, IN | 9 | $ 1,170,000 | $ 130,000 | $ 117,000 |
| Ogden-Clearfield, UT | 9 | $ 2,961,000 | $ 329,000 | $ 101,000 |
| Wilmington, DE-MD-NJ | 9 | $ 2,990,000 | $ 332,222 | $ 83,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 8 | $ 2,328,000 | $ 291,000 | $ 89,250 |
| Asheville, NC | 8 | $ 2,201,000 | $ 275,125 | $ 145,000 |
| Camden, NJ | 8 | $ 2,197,000 | $ 274,625 | $ 65,000 |
| Coeur D'Alene, ID | 8 | $ 2,463,000 | $ 307,875 | $ 95,000 |
| Louisville/Jefferson County, KY-IN | 8 | $ 1,985,000 | $ 248,125 | $ 66,750 |
| Rockingham County-Strafford County, NH | 8 | $ 2,677,000 | $ 334,625 | $ 95,000 |
| Santa Rosa, CA | 8 | $ 2,288,000 | $ 286,000 | $ 409,000 |
| Bakersfield, CA | 7 | $ 2,005,000 | $ 286,428 | $ 93,000 |
| Barnstable Town, MA | 7 | $ 1,950,000 | $ 278,571 | $ 174,000 |
| Chattanooga, TN-GA | 7 | $ 2,235,000 | $ 319,285 | $ 118,285 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 2,310,000 | $ 330,000 | $ 76,000 |
| Detroit-Dearborn-Livonia, MI | 7 | $ 2,065,000 | $ 295,000 | $ 150,000 |
| Eugene, OR | 7 | $ 2,084,000 | $ 297,714 | $ 79,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 7 | $ 2,552,000 | $ 364,571 | $ 111,000 |
| Lexington-Fayette, KY | 7 | $ 1,798,000 | $ 256,857 | $ 73,000 |
| Nassau County-Suffolk County, NY | 7 | $ 3,190,000 | $ 455,714 | $ 135,000 |
| Philadelphia, PA | 7 | $ 2,696,000 | $ 385,142 | $ 150,000 |
| Salisbury, MD-DE | 7 | $ 2,075,000 | $ 296,428 | $ 173,285 |
| Springfield, MO | 7 | $ 1,079,000 | $ 154,142 | $ 61,000 |
| Akron, OH | 6 | $ 1,363,000 | $ 227,166 | $ 160,000 |
| Baton Rouge, LA | 6 | $ 1,763,000 | $ 293,833 | $ 101,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 1,740,000 | $ 290,000 | $ 99,000 |
| California-Lexington Park, MD | 6 | $ 2,139,000 | $ 356,500 | $ 85,000 |
| Clarksville, TN-KY | 6 | $ 1,746,000 | $ 291,000 | $ 84,500 |
| Gainesville, GA | 6 | $ 1,837,000 | $ 306,166 | $ 104,000 |
| Greeley, CO | 6 | $ 2,061,000 | $ 343,500 | $ 82,000 |
| Huntsville, AL | 6 | $ 2,055,000 | $ 342,500 | $ 129,000 |
| Lincoln, NE | 6 | $ 1,327,000 | $ 221,166 | $ 50,000 |
| Little Rock-North Little Rock-Conway, AR | 6 | $ 2,477,000 | $ 412,833 | $ 163,000 |
| Madison, WI | 6 | $ 1,859,000 | $ 309,833 | $ 99,000 |
| Manchester-Nashua, NH | 6 | $ 1,806,000 | $ 301,000 | $ 137,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 6 | $ 1,647,000 | $ 274,500 | $ 97,333 |
| New Haven-Milford, CT | 6 | $ 2,219,000 | $ 369,833 | $ 259,000 |
| Prescott, AZ | 6 | $ 1,837,000 | $ 306,166 | $ 37,000 |
| San Antonio-New Braunfels, TX | 6 | $ 1,963,000 | $ 327,166 | $ 138,000 |
| Santa Fe, NM | 6 | $ 1,887,000 | $ 314,500 | $ 122,000 |
| St. George, UT | 6 | $ 1,919,000 | $ 319,833 | $ 113,000 |
| Dayton, OH | 5 | $ 1,246,000 | $ 249,200 | $ 44,000 |
| Dover, DE | 5 | $ 1,167,000 | $ 233,400 | $ 73,000 |
| Fayetteville, NC | 5 | $ 1,034,000 | $ 206,800 | $ 35,000 |
| Medford, OR | 5 | $ 1,595,000 | $ 319,000 | $ 98,000 |
| Roanoke, VA | 5 | $ 1,327,000 | $ 265,400 | $ 122,000 |
| Springfield, MA | 5 | $ 1,824,000 | $ 364,800 | $ 252,000 |
| Tulsa, OK | 5 | $ 1,046,000 | $ 209,200 | $ 27,000 |
| Auburn-Opelika, AL | 4 | $ 1,109,000 | $ 277,250 | $ 173,000 |
| Brunswick, GA | 4 | $ 656,000 | $ 164,000 | $ 313,000 |
| Columbus, GA-AL | 4 | $ 1,030,000 | $ 257,500 | $ 147,000 |
| Corvallis, OR | 4 | $ 1,234,000 | $ 308,500 | $ 179,000 |
| Fargo, ND-MN | 4 | $ 1,242,000 | $ 310,500 | $ 160,500 |
| Gainesville, FL | 4 | $ 1,526,000 | $ 381,500 | $ 250,000 |
| Greensboro-High Point, NC | 4 | $ 863,000 | $ 215,750 | $ 58,000 |
| Gulfport-Biloxi-Pascagoula, MS | 4 | $ 948,000 | $ 237,000 | $ 25,000 |
| Killeen-Temple, TX | 4 | $ 1,083,000 | $ 270,750 | $ 84,000 |
| Lakeland-Winter Haven, FL | 4 | $ 709,000 | $ 177,250 | $ 67,000 |
| Norwich-New London, CT | 4 | $ 978,000 | $ 244,500 | $ 82,000 |
| Panama City, FL | 4 | $ 1,198,000 | $ 299,500 | $ 178,000 |
| Portland-South Portland, ME | 4 | $ 1,040,000 | $ 260,000 | $ 66,000 |
| Punta Gorda, FL | 4 | $ 1,227,000 | $ 306,750 | $ 89,000 |
| Salinas, CA | 4 | $ 2,500,000 | $ 625,000 | $ 85,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 4 | $ 1,541,000 | $ 385,250 | $ 73,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 1,921,000 | $ 480,250 | $ 56,000 |
| Spartanburg, SC | 4 | $ 1,299,000 | $ 324,750 | $ 86,000 |
| The Villages, FL | 4 | $ 1,195,000 | $ 298,750 | $ 81,000 |
| Tucson, AZ | 4 | $ 1,676,000 | $ 419,000 | $ 24,000 |
| Warner Robins, GA | 4 | $ 1,328,000 | $ 332,000 | $ 129,000 |
| York-Hanover, PA | 4 | $ 1,060,000 | $ 265,000 | $ 109,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 575,000 | $ 191,666 | $ 83,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 592,000 | $ 197,333 | $ 84,000 |
| Cape Girardeau, MO-IL | 3 | $ 440,000 | $ 146,666 | $ 74,000 |
| Duluth, MN-WI | 3 | $ 655,000 | $ 218,333 | $ 93,333 |
| Elgin, IL | 3 | $ 1,186,000 | $ 395,333 | $ 211,000 |
| Flagstaff, AZ | 3 | $ 944,000 | $ 314,666 | $ 118,000 |
| Flint, MI | 3 | $ 820,000 | $ 273,333 | $ 90,000 |
| Gettysburg, PA | 3 | $ 608,000 | $ 202,666 | $ 61,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 807,000 | $ 269,000 | $ 89,333 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 871,000 | $ 290,333 | $ 63,000 |
| Jackson, MS | 3 | $ 851,000 | $ 283,666 | $ 110,000 |
| Johnson City, TN | 3 | $ 554,000 | $ 184,666 | $ 129,000 |
| Lancaster, PA | 3 | $ 702,000 | $ 234,000 | $ 61,000 |
| Lawrence, KS | 3 | $ 504,000 | $ 168,000 | $ 120,000 |
| Monroe, MI | 3 | $ 606,000 | $ 202,000 | $ 58,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 430,000 | $ 143,333 | $ 122,000 |
| Redding, CA | 3 | $ 1,359,000 | $ 453,000 | $ 141,000 |
| Rochester, MN | 3 | $ 602,000 | $ 200,666 | $ 64,000 |
| Rochester, NY | 3 | $ 527,000 | $ 175,666 | $ 76,000 |
| San Rafael, CA | 3 | $ 1,140,000 | $ 380,000 | $ 114,000 |
| Shreveport-Bossier City, LA | 3 | $ 869,000 | $ 289,666 | $ 111,000 |
| Sioux Falls, SD | 3 | $ 721,000 | $ 240,333 | $ 40,000 |
| Spokane-Spokane Valley, WA | 3 | $ 854,000 | $ 284,666 | $ 64,000 |
| St. Joseph, MO-KS | 3 | $ 301,000 | $ 100,333 | $ 40,000 |
| Tallahassee, FL | 3 | $ 650,000 | $ 216,666 | $ 131,000 |
| Winston-Salem, NC | 3 | $ 711,000 | $ 237,000 | $ 106,000 |
| Appleton, WI | 2 | $ 638,000 | $ 319,000 | $ 128,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 369,000 | $ 184,500 | $ 68,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 681,000 | $ 340,500 | $ 128,000 |
| Cheyenne, WY | 2 | $ 556,000 | $ 278,000 | $ 59,000 |
| Cleveland, TN | 2 | $ 630,000 | $ 315,000 | $ 108,000 |
| Columbia, MO | 2 | $ 876,000 | $ 438,000 | $ 126,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 617,000 | $ 308,500 | $ 50,000 |
| East Stroudsburg, PA | 2 | $ 372,000 | $ 186,000 | $ 28,000 |
| Eau Claire, WI | 2 | $ 415,000 | $ 207,500 | $ 84,000 |
| Fort Smith, AR-OK | 2 | $ 432,000 | $ 216,000 | $ 57,000 |
| Glens Falls, NY | 2 | $ 316,000 | $ 158,000 | $ 39,000 |
| Grand Junction, CO | 2 | $ 777,000 | $ 388,500 | $ 41,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 357,000 | $ 178,500 | $ 75,000 |
| Grants Pass, OR | 2 | $ 551,000 | $ 275,500 | $ 0 |
| Green Bay, WI | 2 | $ 522,000 | $ 261,000 | $ 98,000 |
| Harrisburg-Carlisle, PA | 2 | $ 539,000 | $ 269,500 | $ 0 |
| Kennewick-Richland, WA | 2 | $ 782,000 | $ 391,000 | $ 68,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 519,000 | $ 259,500 | $ 122,000 |
| Lafayette, LA | 2 | $ 563,000 | $ 281,500 | $ 130,000 |
| Lake Charles, LA | 2 | $ 664,000 | $ 332,000 | $ 113,000 |
| Las Cruces, NM | 2 | $ 493,000 | $ 246,500 | $ 139,000 |
| Lubbock, TX | 2 | $ 394,000 | $ 197,000 | $ 83,000 |
| Manhattan, KS | 2 | $ 475,000 | $ 237,500 | $ 97,000 |
| Montgomery, AL | 2 | $ 511,000 | $ 255,500 | $ 24,000 |
| Morgantown, WV | 2 | $ 220,000 | $ 110,000 | $ 26,000 |
| Morristown, TN | 2 | $ 616,000 | $ 308,000 | $ 66,000 |
| New Bern, NC | 2 | $ 185,000 | $ 92,500 | $ 81,000 |
| Ocala, FL | 2 | $ 618,000 | $ 309,000 | $ 96,000 |
| Ocean City, NJ | 2 | $ 642,000 | $ 321,000 | $ 292,000 |
| Oshkosh-Neenah, WI | 2 | $ 346,000 | $ 173,000 | $ 80,000 |
| Rockford, IL | 2 | $ 516,000 | $ 258,000 | $ 123,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 555,000 | $ 277,500 | $ 82,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 632,000 | $ 316,000 | $ 133,000 |
| Trenton, NJ | 2 | $ 761,000 | $ 380,500 | $ 203,000 |
| Visalia-Porterville, CA | 2 | $ 714,000 | $ 357,000 | $ 0 |
| Yuba City, CA | 2 | $ 739,000 | $ 369,500 | $ 0 |
| Albany, GA | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Albany, OR | 1 | $ 417,000 | $ 417,000 | $ 82,000 |
| Alexandria, LA | 1 | $ 142,000 | $ 142,000 | $ 50,000 |
| Altoona, PA | 1 | $ 300,000 | $ 300,000 | $ 112,000 |
| Ames, IA | 1 | $ 296,000 | $ 296,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 340,000 | $ 340,000 | $ 163,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 100,000 | $ 100,000 | $ 106,000 |
| Bellingham, WA | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Bloomington, IL | 1 | $ 127,000 | $ 127,000 | $ 64,000 |
| Bloomington, IN | 1 | $ 222,000 | $ 222,000 | $ 102,000 |
| Bowling Green, KY | 1 | $ 223,000 | $ 223,000 | $ 82,000 |
| Brownsville-Harlingen, TX | 1 | $ 328,000 | $ 328,000 | $ 166,000 |
| Burlington, NC | 1 | $ 297,000 | $ 297,000 | $ 145,000 |
| Burlington-South Burlington, VT | 1 | $ 416,000 | $ 416,000 | $ 170,000 |
| Canton-Massillon, OH | 1 | $ 156,000 | $ 156,000 | $ 104,000 |
| Carson City, NV | 1 | $ 338,000 | $ 338,000 | $ 133,000 |
| Casper, WY | 1 | $ 349,000 | $ 349,000 | $ 0 |
| Chico, CA | 1 | $ 396,000 | $ 396,000 | $ 116,000 |
| Corpus Christi, TX | 1 | $ 265,000 | $ 265,000 | $ 90,000 |
| Cumberland, MD-WV | 1 | $ 284,000 | $ 284,000 | $ 103,000 |
| Danville, IL | 1 | $ 71,000 | $ 71,000 | $ 45,000 |
| Dothan, AL | 1 | $ 379,000 | $ 379,000 | $ 159,000 |
| Dutchess County-Putnam County, NY | 1 | $ 176,000 | $ 176,000 | $ 109,000 |
| El Centro, CA | 1 | $ 232,000 | $ 232,000 | $ 74,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 278,000 | $ 278,000 | $ 100,000 |
| Elkhart-Goshen, IN | 1 | $ 243,000 | $ 243,000 | $ 147,000 |
| Elmira, NY | 1 | $ 427,000 | $ 427,000 | $ 101,000 |
| Farmington, NM | 1 | $ 154,000 | $ 154,000 | $ 48,000 |
| Florence, SC | 1 | $ 331,000 | $ 331,000 | $ 0 |
| Fond Du Lac, WI | 1 | $ 139,000 | $ 139,000 | $ 61,000 |
| Gadsden, AL | 1 | $ 256,000 | $ 256,000 | $ 40,000 |
| Goldsboro, NC | 1 | $ 205,000 | $ 205,000 | $ 93,000 |
| Grand Island, NE | 1 | $ 262,000 | $ 262,000 | $ 61,000 |
| Great Falls, MT | 1 | $ 416,000 | $ 416,000 | $ 153,000 |
| Greenville, NC | 1 | $ 230,000 | $ 230,000 | $ 130,000 |
| Hammond, LA | 1 | $ 243,000 | $ 243,000 | $ 128,000 |
| Hanford-Corcoran, CA | 1 | $ 325,000 | $ 325,000 | $ 144,000 |
| Harrisonburg, VA | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 408,000 | $ 408,000 | $ 227,000 |
| Hinesville, GA | 1 | $ 290,000 | $ 290,000 | $ 118,000 |
| Hot Springs, AR | 1 | $ 376,000 | $ 376,000 | $ 49,000 |
| Jackson, MI | 1 | $ 223,000 | $ 223,000 | $ 78,000 |
| Jacksonville, NC | 1 | $ 400,000 | $ 400,000 | $ 189,000 |
| Jefferson City, MO | 1 | $ 204,000 | $ 204,000 | $ 74,000 |
| Kalamazoo-Portage, MI | 1 | $ 352,000 | $ 352,000 | $ 79,000 |
| Lafayette-West Lafayette, IN | 1 | $ 271,000 | $ 271,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 300,000 | $ 300,000 | $ 61,000 |
| Lansing-East Lansing, MI | 1 | $ 91,000 | $ 91,000 | $ 43,000 |
| Lima, OH | 1 | $ 91,000 | $ 91,000 | $ 118,000 |
| Longview, WA | 1 | $ 255,000 | $ 255,000 | $ 98,000 |
| Lynchburg, VA | 1 | $ 417,000 | $ 417,000 | $ 283,000 |
| Macon, GA | 1 | $ 255,000 | $ 255,000 | $ 103,000 |
| Missoula, MT | 1 | $ 131,000 | $ 131,000 | $ 64,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 353,000 | $ 353,000 | $ 92,000 |
| Muncie, IN | 1 | $ 137,000 | $ 137,000 | $ 50,000 |
| Muskegon, MI | 1 | $ 166,000 | $ 166,000 | $ 37,000 |
| Pueblo, CO | 1 | $ 219,000 | $ 219,000 | $ 95,000 |
| Racine, WI | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Rapid City, SD | 1 | $ 187,000 | $ 187,000 | $ 49,000 |
| Rocky Mount, NC | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 400,000 | $ 400,000 | $ 109,000 |
| Sebring, FL | 1 | $ 253,000 | $ 253,000 | $ 67,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 293,000 | $ 293,000 | $ 60,000 |
| St. Cloud, MN | 1 | $ 158,000 | $ 158,000 | $ 282,000 |
| Staunton-Waynesboro, VA | 1 | $ 344,000 | $ 344,000 | $ 152,000 |
| Syracuse, NY | 1 | $ 174,000 | $ 174,000 | $ 54,000 |
| Tyler, TX | 1 | $ 202,000 | $ 202,000 | $ 194,000 |
| Utica-Rome, NY | 1 | $ 375,000 | $ 375,000 | $ 222,000 |
| Wausau, WI | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Wenatchee, WA | 1 | $ 342,000 | $ 342,000 | $ 160,000 |
| Wheeling, WV-OH | 1 | $ 112,000 | $ 112,000 | $ 68,000 |
| Wilmington, NC | 1 | $ 444,000 | $ 444,000 | $ 104,000 |
| Winchester, VA-WV | 1 | $ 284,000 | $ 284,000 | $ 84,000 |
| Yakima, WA | 1 | $ 318,000 | $ 318,000 | $ 131,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 176,000 | $ 176,000 | $ 109,000 |
Mortgage Loan Application Detail Totals for BNC National Bank in 2016
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 | 2,997 | $965,917,000 | $322,000 | $4,794,000 | $102,000 | $1,380,000 |
| Home Purchase | 2,315 | $526,316,000 | $227,000 | $3,563,000 | $95,000 | $1,128,000 |
| Home Improvement | 307 | $97,270,000 | $316,000 | $1,010,000 | $124,000 | $470,000 |
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 | 3,290 | $865,980,000 | $263,000 | $1,018,000 | $100,000 | $903,000 |
| Not Provided | 1,327 | $434,077,000 | $327,000 | $949,000 | $108,000 | $1,380,000 |
| Hispanic | 388 | $93,526,000 | $241,000 | $862,000 | $74,000 | $519,000 |
| Asian | 367 | $115,490,000 | $314,000 | $793,000 | $121,000 | $501,000 |
| Black or African American | 178 | $51,366,000 | $288,000 | $1,373,000 | $77,000 | $310,000 |
| American Indian or Alaskan Native | 35 | $9,946,000 | $284,000 | $719,000 | $100,000 | $453,000 |
| Native Hawaiin or Other Pacific Islander | 26 | $9,706,000 | $373,000 | $663,000 | $74,000 | $163,000 |
| Not applicable | 8 | $9,412,000 | $1,176,000 | $4,794,000 | $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) | 3,048 | $842,067,000 | $276,000 | $4,794,000 | $127,000 | $1,380,000 |
| VA-guaranteed (Veterans Administration) | 1,792 | $630,619,000 | $351,000 | $1,373,000 | $74,000 | $485,000 |
| FHA-insured (Federal Housing Administration) | 652 | $100,946,000 | $154,000 | $636,000 | $59,000 | $384,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 127 | $15,871,000 | $124,000 | $288,000 | $47,000 | $106,000 |
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 | 3,758 | $1,041,153,000 | $277,000 | $4,794,000 | $97,000 | $903,000 |
| Application Withdrawn By Applicant | 1,405 | $423,324,000 | $301,000 | $949,000 | $109,000 | $1,380,000 |
| Application Denied By Financial Institution | 455 | $124,854,000 | $274,000 | $904,000 | $96,000 | $1,128,000 |
| File Closed For Incompleteness | 1 | $172,000 | $172,000 | $172,000 | $69,000 | $69,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 133 | $31,974,000 | $240,000 | $643,000 | $84,000 | $384,000 |
| Debt-To-Income Ratio | 89 | $25,052,000 | $281,000 | $770,000 | $83,000 | $320,000 |
| Collateral | 84 | $23,066,000 | $274,000 | $831,000 | $98,000 | $328,000 |
| Credit Application Incomplete | 60 | $20,947,000 | $349,000 | $904,000 | $129,000 | $1,128,000 |
| Other | 44 | $11,625,000 | $264,000 | $652,000 | $111,000 | $497,000 |
| Employment History | 21 | $4,969,000 | $236,000 | $602,000 | $82,000 | $147,000 |
| Unverifiable Information | 20 | $6,636,000 | $331,000 | $629,000 | $104,000 | $208,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $585,000 | $146,000 | $229,000 | $51,000 | $75,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BNC National Bank's 2016 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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