BNC National Bank Mortgage Lending & HMDA Data, 2018
In 2018, BNC National Bank of Bismarck, ND reported 3,912 mortgage applications totaling $1.2 billion, up 2% from 2017. The average application was for $304,406, and applicants reported an average income of $115,738. 57% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Wichita, KS (261), Kansas City, MO-KS (191) and Bismarck, ND (146) (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 | 3,912 |
| Total Mortgage Loan Application Amount | $1,190,840,000 |
| Average Mortgage Loan Application Amount | $304,406 |
| Highest Mortgage Loan Application Amount | $5,225,000 |
| Average Applicant Income | $115,738 |
| Highest Applicant Income | $2,220,000 |
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Act (HMDA) records BNC National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 488 | $ 102,480,000 | $ 210,000 | $ 82,569 |
| Wichita, KS | 261 | $ 41,435,000 | $ 158,754 | $ 77,000 |
| Kansas City, MO-KS | 191 | $ 38,915,000 | $ 203,743 | $ 88,214 |
| Bismarck, ND | 146 | $ 22,780,000 | $ 156,027 | $ 42,000 |
| Las Vegas-Henderson-Paradise, NV | 122 | $ 39,740,000 | $ 325,737 | $ 123,000 |
| Atlanta-Sandy Springs-Roswell, GA | 121 | $ 39,415,000 | $ 325,743 | $ 125,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 106 | $ 46,110,000 | $ 435,000 | $ 187,471 |
| Phoenix-Mesa-Scottsdale, AZ | 72 | $ 18,880,000 | $ 262,222 | $ 97,000 |
| Davenport-Moline-Rock Island, IA-IL | 67 | $ 8,825,000 | $ 131,716 | $ 56,283 |
| Denver-Aurora-Lakewood, CO | 60 | $ 26,350,000 | $ 439,166 | $ 146,000 |
| Riverside-San Bernardino-Ontario, CA | 58 | $ 23,060,000 | $ 397,586 | $ 133,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 51 | $ 18,305,000 | $ 358,921 | $ 127,000 |
| Tampa-St. Petersburg-Clearwater, FL | 51 | $ 16,605,000 | $ 325,588 | $ 125,000 |
| Los Angeles-Long Beach-Glendale, CA | 45 | $ 20,515,000 | $ 455,888 | $ 131,000 |
| Seattle-Bellevue-Everett, WA | 45 | $ 23,735,000 | $ 527,444 | $ 168,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 41 | $ 10,515,000 | $ 256,463 | $ 94,170 |
| New York-Jersey City-White Plains, NY-NJ | 41 | $ 16,085,000 | $ 392,317 | $ 149,365 |
| Orlando-Kissimmee-Sanford, FL | 40 | $ 12,560,000 | $ 314,000 | $ 122,000 |
| Colorado Springs, CO | 36 | $ 12,680,000 | $ 352,222 | $ 103,000 |
| San Diego-Carlsbad, CA | 36 | $ 18,510,000 | $ 514,166 | $ 128,000 |
| Charlotte-Concord-Gastonia, NC-SC | 35 | $ 13,085,000 | $ 373,857 | $ 144,171 |
| Houston-The Woodlands-Sugar Land, TX | 35 | $ 12,535,000 | $ 358,142 | $ 192,000 |
| Baltimore-Columbia-Towson, MD | 34 | $ 11,780,000 | $ 346,470 | $ 171,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 30 | $ 10,880,000 | $ 362,666 | $ 157,666 |
| Montgomery County-Bucks County-Chester County, PA | 29 | $ 11,435,000 | $ 394,310 | $ 164,000 |
| Raleigh, NC | 29 | $ 10,445,000 | $ 360,172 | $ 118,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 29 | $ 10,995,000 | $ 379,137 | $ 195,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 29 | $ 9,875,000 | $ 340,517 | $ 105,000 |
| Dallas-Plano-Irving, TX | 28 | $ 10,980,000 | $ 392,142 | $ 184,000 |
| Jacksonville, FL | 27 | $ 8,955,000 | $ 331,666 | $ 132,000 |
| Charleston-North Charleston, SC | 24 | $ 7,440,000 | $ 310,000 | $ 95,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 23 | $ 8,115,000 | $ 352,826 | $ 106,000 |
| Tacoma-Lakewood, WA | 23 | $ 8,885,000 | $ 386,304 | $ 139,000 |
| Cincinnati, OH-KY-IN | 22 | $ 6,740,000 | $ 306,363 | $ 126,272 |
| Miami-Miami Beach-Kendall, FL | 22 | $ 7,450,000 | $ 338,636 | $ 139,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 22 | $ 7,490,000 | $ 340,454 | $ 124,000 |
| Chicago-Naperville-Arlington Heights, IL | 21 | $ 5,655,000 | $ 269,285 | $ 113,000 |
| Indianapolis-Carmel-Anderson, IN | 21 | $ 6,655,000 | $ 316,904 | $ 128,000 |
| Albuquerque, NM | 20 | $ 6,180,000 | $ 309,000 | $ 148,000 |
| Columbus, OH | 19 | $ 7,115,000 | $ 374,473 | $ 135,000 |
| Oakland-Hayward-Berkeley, CA | 19 | $ 10,865,000 | $ 571,842 | $ 190,000 |
| Silver Spring-Frederick-Rockville, MD | 19 | $ 8,665,000 | $ 456,052 | $ 154,000 |
| Austin-Round Rock, TX | 17 | $ 6,575,000 | $ 386,764 | $ 242,000 |
| Columbia, SC | 17 | $ 4,625,000 | $ 272,058 | $ 137,000 |
| Crestview-Fort Walton Beach-Destin, FL | 17 | $ 6,135,000 | $ 360,882 | $ 101,000 |
| North Port-Sarasota-Bradenton, FL | 17 | $ 5,385,000 | $ 316,764 | $ 110,000 |
| Salt Lake City, UT | 17 | $ 6,715,000 | $ 395,000 | $ 98,000 |
| Boston, MA | 16 | $ 7,410,000 | $ 463,125 | $ 152,000 |
| Greenville-Anderson-Mauldin, SC | 16 | $ 4,830,000 | $ 301,875 | $ 137,000 |
| Pensacola-Ferry Pass-Brent, FL | 16 | $ 3,610,000 | $ 225,625 | $ 90,000 |
| Reno, NV | 16 | $ 5,680,000 | $ 355,000 | $ 94,000 |
| Warren-Troy-Farmington Hills, MI | 16 | $ 5,600,000 | $ 350,000 | $ 208,000 |
| Clarksville, TN-KY | 15 | $ 4,335,000 | $ 289,000 | $ 85,800 |
| Fayetteville-Springdale-Rogers, AR-MO | 15 | $ 5,535,000 | $ 369,000 | $ 150,000 |
| Providence-Warwick, RI-MA | 15 | $ 4,995,000 | $ 333,000 | $ 162,600 |
| Anaheim-Santa Ana-Irvine, CA | 14 | $ 9,230,000 | $ 659,285 | $ 184,000 |
| Augusta-Richmond County, GA-SC | 14 | $ 4,790,000 | $ 342,142 | $ 123,571 |
| Cape Coral-Fort Myers, FL | 14 | $ 4,560,000 | $ 325,714 | $ 115,000 |
| Cleveland-Elyria, OH | 14 | $ 3,930,000 | $ 280,714 | $ 101,000 |
| Fort Worth-Arlington, TX | 14 | $ 4,140,000 | $ 295,714 | $ 132,000 |
| Huntsville, AL | 14 | $ 4,260,000 | $ 304,285 | $ 115,000 |
| Milwaukee-Waukesha-West Allis, WI | 14 | $ 4,980,000 | $ 355,714 | $ 115,000 |
| Richmond, VA | 14 | $ 3,980,000 | $ 284,285 | $ 123,000 |
| Savannah, GA | 14 | $ 4,900,000 | $ 350,000 | $ 105,000 |
| Boise City, ID | 13 | $ 4,025,000 | $ 309,615 | $ 115,000 |
| Palm Bay-Melbourne-Titusville, FL | 13 | $ 3,905,000 | $ 300,384 | $ 100,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 13 | $ 9,455,000 | $ 727,307 | $ 159,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 12 | $ 3,770,000 | $ 314,166 | $ 96,000 |
| El Paso, TX | 12 | $ 3,450,000 | $ 287,500 | $ 183,000 |
| Grand Rapids-Wyoming, MI | 12 | $ 4,690,000 | $ 390,833 | $ 154,000 |
| San Antonio-New Braunfels, TX | 12 | $ 3,900,000 | $ 325,000 | $ 166,000 |
| Stockton-Lodi, CA | 12 | $ 4,060,000 | $ 338,333 | $ 91,000 |
| Birmingham-Hoover, AL | 11 | $ 4,315,000 | $ 392,272 | $ 146,000 |
| Cambridge-Newton-Framingham, MA | 11 | $ 6,195,000 | $ 563,181 | $ 193,000 |
| Madison, WI | 11 | $ 4,615,000 | $ 419,545 | $ 178,000 |
| New Orleans-Metairie, LA | 11 | $ 2,975,000 | $ 270,454 | $ 133,000 |
| Newark, NJ-PA | 11 | $ 5,245,000 | $ 476,818 | $ 157,000 |
| Philadelphia, PA | 11 | $ 3,445,000 | $ 313,181 | $ 124,000 |
| Topeka, KS | 11 | $ 1,665,000 | $ 151,363 | $ 71,000 |
| Camden, NJ | 10 | $ 3,180,000 | $ 318,000 | $ 152,000 |
| Hartford-West Hartford-East Hartford, CT | 10 | $ 3,890,000 | $ 389,000 | $ 171,000 |
| Lakeland-Winter Haven, FL | 10 | $ 2,490,000 | $ 249,000 | $ 86,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 10 | $ 2,960,000 | $ 296,000 | $ 84,900 |
| Olympia-Tumwater, WA | 10 | $ 3,100,000 | $ 310,000 | $ 158,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 10 | $ 4,760,000 | $ 476,000 | $ 159,000 |
| Baton Rouge, LA | 9 | $ 2,735,000 | $ 303,888 | $ 108,000 |
| Bremerton-Silverdale, WA | 9 | $ 3,315,000 | $ 368,333 | $ 116,000 |
| Bridgeport-Stamford-Norwalk, CT | 9 | $ 3,785,000 | $ 420,555 | $ 153,000 |
| Dayton, OH | 9 | $ 2,395,000 | $ 266,111 | $ 90,000 |
| Knoxville, TN | 9 | $ 3,365,000 | $ 373,888 | $ 139,000 |
| Memphis, TN-MS-AR | 9 | $ 2,845,000 | $ 316,111 | $ 106,666 |
| Oklahoma City, OK | 9 | $ 2,675,000 | $ 297,222 | $ 118,000 |
| Tulsa, OK | 9 | $ 2,715,000 | $ 301,666 | $ 146,000 |
| Vallejo-Fairfield, CA | 9 | $ 3,345,000 | $ 371,666 | $ 90,000 |
| Fayetteville, NC | 8 | $ 1,830,000 | $ 228,750 | $ 88,000 |
| Little Rock-North Little Rock-Conway, AR | 8 | $ 2,350,000 | $ 293,750 | $ 129,000 |
| Naples-Immokalee-Marco Island, FL | 8 | $ 2,370,000 | $ 296,250 | $ 125,000 |
| Ogden-Clearfield, UT | 8 | $ 2,980,000 | $ 372,500 | $ 106,000 |
| Pittsburgh, PA | 8 | $ 1,930,000 | $ 241,250 | $ 92,000 |
| Provo-Orem, UT | 8 | $ 2,690,000 | $ 336,250 | $ 137,000 |
| Chattanooga, TN-GA | 7 | $ 2,015,000 | $ 287,857 | $ 121,000 |
| Columbus, GA-AL | 7 | $ 2,495,000 | $ 356,428 | $ 227,000 |
| Durham-Chapel Hill, NC | 7 | $ 2,955,000 | $ 422,142 | $ 156,000 |
| Flint, MI | 7 | $ 2,385,000 | $ 340,714 | $ 117,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 7 | $ 2,285,000 | $ 326,428 | $ 76,000 |
| Joplin, MO | 7 | $ 775,000 | $ 110,714 | $ 56,000 |
| Louisville/Jefferson County, KY-IN | 7 | $ 2,565,000 | $ 366,428 | $ 159,000 |
| Rapid City, SD | 7 | $ 2,655,000 | $ 379,285 | $ 287,000 |
| Salem, OR | 7 | $ 1,935,000 | $ 276,428 | $ 111,000 |
| Salisbury, MD-DE | 7 | $ 2,015,000 | $ 287,857 | $ 113,571 |
| San Francisco-Redwood City-South San Francisco, CA | 7 | $ 5,165,000 | $ 737,857 | $ 210,000 |
| St. George, UT | 7 | $ 3,215,000 | $ 459,285 | $ 247,000 |
| Trenton, NJ | 7 | $ 2,925,000 | $ 417,857 | $ 159,000 |
| Winston-Salem, NC | 7 | $ 1,775,000 | $ 253,571 | $ 97,000 |
| Barnstable Town, MA | 6 | $ 2,310,000 | $ 385,000 | $ 197,000 |
| Bellingham, WA | 6 | $ 2,440,000 | $ 406,666 | $ 109,000 |
| Coeur D'Alene, ID | 6 | $ 2,050,000 | $ 341,666 | $ 132,000 |
| Longview, WA | 6 | $ 2,110,000 | $ 351,666 | $ 120,000 |
| Montgomery, AL | 6 | $ 2,000,000 | $ 333,333 | $ 137,000 |
| New Haven-Milford, CT | 6 | $ 1,930,000 | $ 321,666 | $ 126,000 |
| Omaha-Council Bluffs, NE-IA | 6 | $ 1,370,000 | $ 228,333 | $ 98,000 |
| Rockingham County-Strafford County, NH | 6 | $ 1,990,000 | $ 331,666 | $ 115,000 |
| Sumter, SC | 6 | $ 1,650,000 | $ 275,000 | $ 85,000 |
| Worcester, MA-CT | 6 | $ 1,690,000 | $ 281,666 | $ 142,000 |
| Asheville, NC | 5 | $ 1,795,000 | $ 359,000 | $ 125,000 |
| Bakersfield, CA | 5 | $ 1,645,000 | $ 329,000 | $ 134,000 |
| California-Lexington Park, MD | 5 | $ 1,925,000 | $ 385,000 | $ 152,000 |
| Detroit-Dearborn-Livonia, MI | 5 | $ 1,355,000 | $ 271,000 | $ 115,000 |
| Fort Collins, CO | 5 | $ 1,425,000 | $ 285,000 | $ 84,000 |
| Greenville, NC | 5 | $ 1,235,000 | $ 247,000 | $ 87,000 |
| Jackson, MS | 5 | $ 1,665,000 | $ 333,000 | $ 106,000 |
| Kennewick-Richland, WA | 5 | $ 1,685,000 | $ 337,000 | $ 111,000 |
| Nassau County-Suffolk County, NY | 5 | $ 2,125,000 | $ 425,000 | $ 123,000 |
| Ocala, FL | 5 | $ 1,605,000 | $ 321,000 | $ 153,000 |
| Port St. Lucie, FL | 5 | $ 1,455,000 | $ 291,000 | $ 86,000 |
| Prescott, AZ | 5 | $ 1,275,000 | $ 255,000 | $ 143,000 |
| Pueblo, CO | 5 | $ 1,385,000 | $ 277,000 | $ 89,000 |
| Roanoke, VA | 5 | $ 1,775,000 | $ 355,000 | $ 138,000 |
| Salinas, CA | 5 | $ 3,365,000 | $ 673,000 | $ 131,000 |
| Shreveport-Bossier City, LA | 5 | $ 1,195,000 | $ 239,000 | $ 99,000 |
| Springfield, MO | 5 | $ 945,000 | $ 189,000 | $ 64,000 |
| St. Louis, MO-IL | 5 | $ 1,655,000 | $ 331,000 | $ 167,000 |
| Warner Robins, GA | 5 | $ 1,565,000 | $ 313,000 | $ 165,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 1,020,000 | $ 255,000 | $ 100,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 1,480,000 | $ 370,000 | $ 108,000 |
| Auburn-Opelika, AL | 4 | $ 1,290,000 | $ 322,500 | $ 114,000 |
| Bend-Redmond, OR | 4 | $ 1,380,000 | $ 345,000 | $ 91,000 |
| Canton-Massillon, OH | 4 | $ 900,000 | $ 225,000 | $ 79,000 |
| Daphne-Fairhope-Foley, AL | 4 | $ 1,520,000 | $ 380,000 | $ 149,000 |
| Evansville, IN-KY | 4 | $ 1,210,000 | $ 302,500 | $ 114,000 |
| Fresno, CA | 4 | $ 1,490,000 | $ 372,500 | $ 111,000 |
| Greeley, CO | 4 | $ 1,590,000 | $ 397,500 | $ 100,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 1,350,000 | $ 337,500 | $ 123,000 |
| Johnson City, TN | 4 | $ 1,280,000 | $ 320,000 | $ 126,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 1,930,000 | $ 482,500 | $ 141,000 |
| Lexington-Fayette, KY | 4 | $ 1,530,000 | $ 382,500 | $ 146,000 |
| Modesto, CA | 4 | $ 1,270,000 | $ 317,500 | $ 106,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 1,410,000 | $ 352,500 | $ 94,000 |
| Panama City, FL | 4 | $ 1,400,000 | $ 350,000 | $ 124,000 |
| Santa Fe, NM | 4 | $ 6,390,000 | $ 1,597,500 | $ 184,000 |
| Sierra Vista-Douglas, AZ | 4 | $ 1,040,000 | $ 260,000 | $ 64,000 |
| Spartanburg, SC | 4 | $ 1,120,000 | $ 280,000 | $ 91,000 |
| Spokane-Spokane Valley, WA | 4 | $ 1,400,000 | $ 350,000 | $ 142,000 |
| Tucson, AZ | 4 | $ 1,180,000 | $ 295,000 | $ 93,000 |
| Wilmington, DE-MD-NJ | 4 | $ 1,040,000 | $ 260,000 | $ 109,000 |
| Akron, OH | 3 | $ 945,000 | $ 315,000 | $ 156,000 |
| Albany, GA | 3 | $ 925,000 | $ 308,333 | $ 151,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 1,035,000 | $ 345,000 | $ 122,000 |
| Boulder, CO | 3 | $ 1,215,000 | $ 405,000 | $ 117,000 |
| Bowling Green, KY | 3 | $ 775,000 | $ 258,333 | $ 112,000 |
| Charlottesville, VA | 3 | $ 985,000 | $ 328,333 | $ 149,000 |
| Dothan, AL | 3 | $ 855,000 | $ 285,000 | $ 95,000 |
| Fort Wayne, IN | 3 | $ 1,375,000 | $ 458,333 | $ 191,000 |
| Goldsboro, NC | 3 | $ 605,000 | $ 201,666 | $ 77,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 855,000 | $ 285,000 | $ 110,000 |
| Kalamazoo-Portage, MI | 3 | $ 695,000 | $ 231,666 | $ 105,000 |
| Killeen-Temple, TX | 3 | $ 615,000 | $ 205,000 | $ 79,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 625,000 | $ 208,333 | $ 78,000 |
| Lansing-East Lansing, MI | 3 | $ 1,175,000 | $ 391,666 | $ 134,000 |
| Las Cruces, NM | 3 | $ 1,175,000 | $ 391,666 | $ 121,000 |
| Lawrence, KS | 3 | $ 765,000 | $ 255,000 | $ 114,000 |
| Lewiston-Auburn, ME | 3 | $ 675,000 | $ 225,000 | $ 78,000 |
| Medford, OR | 3 | $ 1,175,000 | $ 391,666 | $ 81,000 |
| Niles-Benton Harbor, MI | 3 | $ 885,000 | $ 295,000 | $ 168,000 |
| Norwich-New London, CT | 3 | $ 755,000 | $ 251,666 | $ 96,000 |
| Portland-South Portland, ME | 3 | $ 675,000 | $ 225,000 | $ 41,000 |
| San Rafael, CA | 3 | $ 1,995,000 | $ 665,000 | $ 121,000 |
| Santa Maria-Santa Barbara, CA | 3 | $ 1,075,000 | $ 358,333 | $ 127,000 |
| Santa Rosa, CA | 3 | $ 1,445,000 | $ 481,666 | $ 237,000 |
| St. Joseph, MO-KS | 3 | $ 405,000 | $ 135,000 | $ 57,000 |
| York-Hanover, PA | 3 | $ 715,000 | $ 238,333 | $ 131,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 255,000 | $ 85,000 | $ 42,000 |
| Yuba City, CA | 3 | $ 1,035,000 | $ 345,000 | $ 109,000 |
| Albany, OR | 2 | $ 840,000 | $ 420,000 | $ 84,000 |
| Appleton, WI | 2 | $ 490,000 | $ 245,000 | $ 79,000 |
| Bloomington, IN | 2 | $ 830,000 | $ 415,000 | $ 236,000 |
| Bloomsburg-Berwick, PA | 2 | $ 620,000 | $ 310,000 | $ 122,000 |
| Brunswick, GA | 2 | $ 1,050,000 | $ 525,000 | $ 205,000 |
| Cheyenne, WY | 2 | $ 510,000 | $ 255,000 | $ 88,000 |
| Des Moines-West Des Moines, IA | 2 | $ 390,000 | $ 195,000 | $ 65,000 |
| Dover, DE | 2 | $ 710,000 | $ 355,000 | $ 109,000 |
| East Stroudsburg, PA | 2 | $ 450,000 | $ 225,000 | $ 66,000 |
| Enid, OK | 2 | $ 530,000 | $ 265,000 | $ 107,000 |
| Fargo, ND-MN | 2 | $ 480,000 | $ 240,000 | $ 87,000 |
| Farmington, NM | 2 | $ 410,000 | $ 205,000 | $ 56,000 |
| Florence-Muscle Shoals, AL | 2 | $ 510,000 | $ 255,000 | $ 86,000 |
| Hanford-Corcoran, CA | 2 | $ 650,000 | $ 325,000 | $ 75,000 |
| Harrisburg-Carlisle, PA | 2 | $ 800,000 | $ 400,000 | $ 193,000 |
| Jacksonville, NC | 2 | $ 560,000 | $ 280,000 | $ 93,000 |
| Lafayette, LA | 2 | $ 400,000 | $ 200,000 | $ 90,000 |
| Lake Charles, LA | 2 | $ 470,000 | $ 235,000 | $ 79,000 |
| Lincoln, NE | 2 | $ 520,000 | $ 260,000 | $ 58,000 |
| Madera, CA | 2 | $ 490,000 | $ 245,000 | $ 44,000 |
| Manchester-Nashua, NH | 2 | $ 910,000 | $ 455,000 | $ 121,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 480,000 | $ 240,000 | $ 58,000 |
| Mobile, AL | 2 | $ 590,000 | $ 295,000 | $ 59,000 |
| Monroe, MI | 2 | $ 380,000 | $ 190,000 | $ 103,000 |
| Morgantown, WV | 2 | $ 610,000 | $ 305,000 | $ 159,000 |
| Muncie, IN | 2 | $ 230,000 | $ 115,000 | $ 47,000 |
| Odessa, TX | 2 | $ 490,000 | $ 245,000 | $ 109,000 |
| Punta Gorda, FL | 2 | $ 550,000 | $ 275,000 | $ 201,000 |
| Rome, GA | 2 | $ 560,000 | $ 280,000 | $ 103,000 |
| Tallahassee, FL | 2 | $ 540,000 | $ 270,000 | $ 78,000 |
| The Villages, FL | 2 | $ 660,000 | $ 330,000 | $ 77,000 |
| Toledo, OH | 2 | $ 840,000 | $ 420,000 | $ 152,000 |
| Twin Falls, ID | 2 | $ 800,000 | $ 400,000 | $ 155,000 |
| Valdosta, GA | 2 | $ 470,000 | $ 235,000 | $ 82,000 |
| Abilene, TX | 1 | $ 115,000 | $ 115,000 | $ 80,000 |
| Amarillo, TX | 1 | $ 485,000 | $ 485,000 | $ 212,000 |
| Ann Arbor, MI | 1 | $ 585,000 | $ 585,000 | $ 239,000 |
| Athens-Clarke County, GA | 1 | $ 315,000 | $ 315,000 | $ 146,000 |
| Battle Creek, MI | 1 | $ 175,000 | $ 175,000 | $ 85,000 |
| Bay City, MI | 1 | $ 265,000 | $ 265,000 | $ 103,000 |
| Beaumont-Port Arthur, TX | 1 | $ 265,000 | $ 265,000 | $ 119,000 |
| Billings, MT | 1 | $ 355,000 | $ 355,000 | $ 119,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 275,000 | $ 275,000 | $ 196,000 |
| Burlington, NC | 1 | $ 455,000 | $ 455,000 | $ 115,000 |
| Carson City, NV | 1 | $ 305,000 | $ 305,000 | $ 75,000 |
| Casper, WY | 1 | $ 285,000 | $ 285,000 | $ 52,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 265,000 | $ 265,000 | $ 84,000 |
| Chico, CA | 1 | $ 385,000 | $ 385,000 | $ 111,000 |
| Cleveland, TN | 1 | $ 275,000 | $ 275,000 | $ 126,000 |
| College Station-Bryan, TX | 1 | $ 425,000 | $ 425,000 | $ 650,000 |
| Columbia, MO | 1 | $ 195,000 | $ 195,000 | $ 59,000 |
| Corpus Christi, TX | 1 | $ 295,000 | $ 295,000 | $ 146,000 |
| Dalton, GA | 1 | $ 395,000 | $ 395,000 | $ 138,000 |
| Decatur, IL | 1 | $ 295,000 | $ 295,000 | $ 130,000 |
| Duluth, MN-WI | 1 | $ 235,000 | $ 235,000 | $ 56,000 |
| Eau Claire, WI | 1 | $ 145,000 | $ 145,000 | $ 67,000 |
| El Centro, CA | 1 | $ 255,000 | $ 255,000 | $ 125,000 |
| Elgin, IL | 1 | $ 245,000 | $ 245,000 | $ 86,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 255,000 | $ 255,000 | $ 101,000 |
| Flagstaff, AZ | 1 | $ 455,000 | $ 455,000 | $ 34,000 |
| Florence, SC | 1 | $ 255,000 | $ 255,000 | $ 83,000 |
| Fond Du Lac, WI | 1 | $ 415,000 | $ 415,000 | $ 141,000 |
| Gainesville, FL | 1 | $ 205,000 | $ 205,000 | $ 168,000 |
| Gainesville, GA | 1 | $ 445,000 | $ 445,000 | $ 138,000 |
| Gary, IN | 1 | $ 275,000 | $ 275,000 | $ 107,000 |
| Glens Falls, NY | 1 | $ 115,000 | $ 115,000 | $ 302,000 |
| Great Falls, MT | 1 | $ 475,000 | $ 475,000 | $ 100,000 |
| Greensboro-High Point, NC | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 195,000 | $ 195,000 | $ 86,000 |
| Hammond, LA | 1 | $ 325,000 | $ 325,000 | $ 182,000 |
| Hattiesburg, MS | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Hinesville, GA | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Homosassa Springs, FL | 1 | $ 295,000 | $ 295,000 | $ 54,000 |
| Hot Springs, AR | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| Jackson, TN | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 225,000 | $ 225,000 | $ 78,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 535,000 | $ 535,000 | $ 108,000 |
| Lancaster, PA | 1 | $ 185,000 | $ 185,000 | $ 66,000 |
| Lawton, OK | 1 | $ 25,000 | $ 25,000 | $ 171,000 |
| Lewiston, ID-WA | 1 | $ 225,000 | $ 225,000 | $ 57,000 |
| Logan, UT-ID | 1 | $ 215,000 | $ 215,000 | $ 97,000 |
| Longview, TX | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Lubbock, TX | 1 | $ 95,000 | $ 95,000 | $ 159,000 |
| Lynchburg, VA | 1 | $ 145,000 | $ 145,000 | $ 65,000 |
| Macon-Bibb County, GA | 1 | $ 375,000 | $ 375,000 | $ 125,000 |
| Mansfield, OH | 1 | $ 315,000 | $ 315,000 | $ 72,000 |
| Merced, CA | 1 | $ 375,000 | $ 375,000 | $ 189,000 |
| Midland, TX | 1 | $ 265,000 | $ 265,000 | $ 114,000 |
| Missoula, MT | 1 | $ 305,000 | $ 305,000 | $ 154,000 |
| Muskegon, MI | 1 | $ 185,000 | $ 185,000 | $ 89,000 |
| Oshkosh-Neenah, WI | 1 | $ 155,000 | $ 155,000 | $ 90,000 |
| Pine Bluff, AR | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Pittsfield, MA | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Pocatello, ID | 1 | $ 125,000 | $ 125,000 | $ 94,000 |
| Racine, WI | 1 | $ 365,000 | $ 365,000 | $ 324,000 |
| Reading, PA | 1 | $ 285,000 | $ 285,000 | $ 116,000 |
| Rochester, MN | 1 | $ 245,000 | $ 245,000 | $ 98,000 |
| Rockford, IL | 1 | $ 135,000 | $ 135,000 | $ 28,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 425,000 | $ 425,000 | $ 78,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 445,000 | $ 445,000 | $ 106,000 |
| Sebastian-Vero Beach, FL | 1 | $ 245,000 | $ 245,000 | $ 45,000 |
| Sebring, FL | 1 | $ 325,000 | $ 325,000 | $ 93,000 |
| Sioux Falls, SD | 1 | $ 365,000 | $ 365,000 | $ 113,000 |
| Springfield, IL | 1 | $ 165,000 | $ 165,000 | $ 121,000 |
| Springfield, MA | 1 | $ 435,000 | $ 435,000 | $ 41,000 |
| St. Cloud, MN | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Texarkana, TX-AR | 1 | $ 265,000 | $ 265,000 | $ 54,000 |
| Tyler, TX | 1 | $ 515,000 | $ 515,000 | $ 131,000 |
| Visalia-Porterville, CA | 1 | $ 405,000 | $ 405,000 | $ 183,000 |
| Watertown-Fort Drum, NY | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Wheeling, WV-OH | 1 | $ 275,000 | $ 275,000 | $ 95,000 |
| Wilmington, NC | 1 | $ 265,000 | $ 265,000 | $ 61,000 |
| Winchester, VA-WV | 1 | $ 455,000 | $ 455,000 | $ 147,000 |
Mortgage Loan Application Detail Totals for BNC National Bank in 2018
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 | 2,521 | $734,725,000 | $291,000 | $1,735,000 | $114,000 | $1,666,000 |
| Cash-out Refinancing | 872 | $302,940,000 | $347,000 | $2,005,000 | $126,000 | $2,220,000 |
| Refinancing | 345 | $120,465,000 | $349,000 | $5,225,000 | $136,000 | $1,764,000 |
| Home Improvement | 99 | $26,005,000 | $262,000 | $725,000 | $84,000 | $305,000 |
| Other Purpose | 73 | $6,195,000 | $84,000 | $255,000 | $1,000 | $128,000 |
| Not Applicable | 2 | $510,000 | $255,000 | $265,000 | $97,000 | $120,000 |
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 | 2,330 | $661,480,000 | $283,000 | $5,225,000 | $110,000 | $1,860,000 |
| Not Provided | 1,019 | $359,015,000 | $352,000 | $1,445,000 | $132,000 | $2,220,000 |
| Hispanic | 225 | $61,225,000 | $272,000 | $1,205,000 | $95,000 | $634,000 |
| Black or African American | 169 | $49,575,000 | $293,000 | $775,000 | $103,000 | $430,000 |
| Asian | 131 | $48,415,000 | $369,000 | $1,055,000 | $147,000 | $1,115,000 |
| American Indian or Alaskan Native | 25 | $7,525,000 | $301,000 | $615,000 | $100,000 | $255,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,450,000 | $306,000 | $515,000 | $131,000 | $370,000 |
| Not applicable | 5 | $1,155,000 | $231,000 | $455,000 | $248,000 | $248,000 |
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) | 1,729 | $515,115,000 | $297,000 | $5,225,000 | $133,000 | $1,860,000 |
| VA-guaranteed (Veterans Administration) | 1,626 | $575,570,000 | $353,000 | $1,735,000 | $115,000 | $2,220,000 |
| FHA-insured (Federal Housing Administration) | 459 | $89,085,000 | $194,000 | $635,000 | $71,000 | $296,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 98 | $11,070,000 | $112,000 | $355,000 | $44,000 | $115,000 |
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 | 2,211 | $632,775,000 | $286,000 | $1,185,000 | $109,000 | $2,220,000 |
| Application Withdrawn By Applicant | 1,350 | $453,700,000 | $336,000 | $5,225,000 | $128,000 | $1,666,000 |
| Application Denied By Financial Institution | 351 | $104,365,000 | $297,000 | $1,205,000 | $113,000 | $1,860,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,561 | $1,086,475,000 | $305,000 | $5,225,000 | $116,000 | $2,220,000 |
| Credit History | 106 | $29,030,000 | $273,000 | $805,000 | $108,000 | $840,000 |
| Debt-To-Income Ratio | 86 | $24,660,000 | $286,000 | $1,205,000 | $76,000 | $590,000 |
| Credit Application Incomplete | 55 | $18,995,000 | $345,000 | $1,135,000 | $182,000 | $1,860,000 |
| Collateral | 45 | $12,135,000 | $269,000 | $515,000 | $107,000 | $305,000 |
| Other | 32 | $10,140,000 | $316,000 | $935,000 | $120,000 | $493,000 |
| Unverifiable Information | 11 | $3,595,000 | $326,000 | $545,000 | $118,000 | $192,000 |
| Employment History | 10 | $3,870,000 | $387,000 | $615,000 | $93,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,940,000 | $323,000 | $525,000 | $99,000 | $170,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BNC National Bank's 2018 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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