BNC National Bank Mortgage Lending & HMDA Data, 2019
In 2019, BNC National Bank of Bismarck, ND reported 7,183 mortgage applications totaling $2.5 billion, up 84% from 2018. The average application was for $341,203, and applicants reported an average income of $134,125. 57% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (348), Wichita, KS (292) and Kansas City, MO-KS (220) (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 | 7,183 |
| Total Mortgage Loan Application Amount | $2,450,865,000 |
| Average Mortgage Loan Application Amount | $341,203 |
| Highest Mortgage Loan Application Amount | $1,745,000 |
| Average Applicant Income | $134,125 |
| Highest Applicant Income | $3,078,000 |
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Act (HMDA) records BNC National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 693 | $ 164,065,000 | $ 236,746 | $ 108,807 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 348 | $ 154,820,000 | $ 444,885 | $ 148,387 |
| Wichita, KS | 292 | $ 51,410,000 | $ 176,061 | $ 78,000 |
| Kansas City, MO-KS | 220 | $ 51,270,000 | $ 233,045 | $ 93,500 |
| Atlanta-Sandy Springs-Roswell, GA | 186 | $ 64,940,000 | $ 349,139 | $ 131,000 |
| Bismarck, ND | 175 | $ 35,315,000 | $ 201,800 | $ 141,000 |
| Denver-Aurora-Lakewood, CO | 165 | $ 66,345,000 | $ 402,090 | $ 130,000 |
| Los Angeles-Long Beach-Glendale, CA | 157 | $ 73,935,000 | $ 470,923 | $ 169,000 |
| Las Vegas-Henderson-Paradise, NV | 145 | $ 49,125,000 | $ 338,793 | $ 115,000 |
| Seattle-Bellevue-Everett, WA | 144 | $ 70,430,000 | $ 489,097 | $ 181,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 129 | $ 48,665,000 | $ 377,248 | $ 140,255 |
| Riverside-San Bernardino-Ontario, CA | 122 | $ 49,270,000 | $ 403,852 | $ 118,000 |
| San Diego-Carlsbad, CA | 117 | $ 56,165,000 | $ 480,042 | $ 149,000 |
| Dallas-Plano-Irving, TX | 103 | $ 35,825,000 | $ 347,815 | $ 168,000 |
| Phoenix-Mesa-Scottsdale, AZ | 103 | $ 31,165,000 | $ 302,572 | $ 157,000 |
| Houston-The Woodlands-Sugar Land, TX | 92 | $ 30,600,000 | $ 332,608 | $ 145,000 |
| Tampa-St. Petersburg-Clearwater, FL | 92 | $ 29,370,000 | $ 319,239 | $ 124,000 |
| Orlando-Kissimmee-Sanford, FL | 89 | $ 30,535,000 | $ 343,089 | $ 151,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 87 | $ 28,995,000 | $ 333,275 | $ 98,620 |
| Oakland-Hayward-Berkeley, CA | 86 | $ 44,700,000 | $ 519,767 | $ 177,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 86 | $ 34,780,000 | $ 404,418 | $ 142,000 |
| Charlotte-Concord-Gastonia, NC-SC | 84 | $ 29,350,000 | $ 349,404 | $ 145,309 |
| Baltimore-Columbia-Towson, MD | 83 | $ 33,845,000 | $ 407,771 | $ 135,000 |
| Davenport-Moline-Rock Island, IA-IL | 76 | $ 10,990,000 | $ 144,605 | $ 65,513 |
| New York-Jersey City-White Plains, NY-NJ | 75 | $ 33,375,000 | $ 445,000 | $ 192,000 |
| New York-Newark, NY | 71 | $ 26,805,000 | $ 377,535 | $ 157,577 |
| Tacoma-Lakewood, WA | 71 | $ 28,195,000 | $ 397,112 | $ 113,000 |
| Colorado Springs, CO | 69 | $ 25,075,000 | $ 363,405 | $ 136,000 |
| Jacksonville, FL | 65 | $ 22,835,000 | $ 351,307 | $ 109,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 64 | $ 24,020,000 | $ 375,312 | $ 121,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 62 | $ 20,060,000 | $ 323,548 | $ 118,870 |
| Raleigh, NC | 60 | $ 21,530,000 | $ 358,833 | $ 145,000 |
| Anaheim-Santa Ana-Irvine, CA | 59 | $ 29,135,000 | $ 493,813 | $ 155,000 |
| Austin-Round Rock, TX | 54 | $ 18,280,000 | $ 338,518 | $ 135,000 |
| Washington-Baltimore-Arlington, DC | 52 | $ 23,470,000 | $ 451,346 | $ 174,000 |
| Salt Lake City, UT | 49 | $ 18,475,000 | $ 377,040 | $ 129,000 |
| Charleston-North Charleston, SC | 47 | $ 16,105,000 | $ 342,659 | $ 148,000 |
| Newark, NJ-PA | 47 | $ 18,595,000 | $ 395,638 | $ 156,191 |
| San Jose-Sunnyvale-Santa Clara, CA | 45 | $ 27,555,000 | $ 612,333 | $ 223,000 |
| Cambridge-Newton-Framingham, MA | 43 | $ 16,165,000 | $ 375,930 | $ 141,000 |
| Fort Worth-Arlington, TX | 42 | $ 12,890,000 | $ 306,904 | $ 113,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 41 | $ 16,265,000 | $ 396,707 | $ 141,000 |
| Indianapolis-Carmel-Anderson, IN | 41 | $ 13,765,000 | $ 335,731 | $ 144,000 |
| Montgomery County-Bucks County-Chester County, PA | 41 | $ 16,465,000 | $ 401,585 | $ 158,000 |
| San Antonio-New Braunfels, TX | 37 | $ 11,495,000 | $ 310,675 | $ 123,000 |
| Ogden-Clearfield, UT | 36 | $ 13,080,000 | $ 363,333 | $ 142,000 |
| Reno, NV | 36 | $ 13,650,000 | $ 379,166 | $ 168,000 |
| Boston, MA | 35 | $ 16,295,000 | $ 465,571 | $ 157,000 |
| Birmingham-Hoover, AL | 34 | $ 10,400,000 | $ 305,882 | $ 137,000 |
| Columbus, OH | 33 | $ 10,865,000 | $ 329,242 | $ 166,000 |
| Oklahoma City, OK | 32 | $ 8,890,000 | $ 277,812 | $ 131,000 |
| Boise City, ID | 30 | $ 10,040,000 | $ 334,666 | $ 118,000 |
| Richmond, VA | 30 | $ 10,070,000 | $ 335,666 | $ 139,000 |
| Salinas, CA | 30 | $ 16,210,000 | $ 540,333 | $ 155,000 |
| Bremerton-Silverdale, WA | 28 | $ 9,920,000 | $ 354,285 | $ 89,000 |
| Cincinnati, OH-KY-IN | 27 | $ 8,335,000 | $ 308,703 | $ 145,555 |
| Olympia-Tumwater, WA | 27 | $ 9,855,000 | $ 365,000 | $ 134,000 |
| Albuquerque, NM | 26 | $ 8,620,000 | $ 331,538 | $ 118,000 |
| Providence-Warwick, RI-MA | 26 | $ 8,960,000 | $ 344,615 | $ 170,615 |
| St. Louis, MO-IL | 26 | $ 2,730,000 | $ 105,000 | $ 68,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 26 | $ 9,400,000 | $ 361,538 | $ 127,000 |
| Crestview-Fort Walton Beach-Destin, FL | 25 | $ 9,555,000 | $ 382,200 | $ 163,000 |
| Miami-Miami Beach-Kendall, FL | 25 | $ 8,345,000 | $ 333,800 | $ 138,000 |
| North Port-Sarasota-Bradenton, FL | 25 | $ 7,405,000 | $ 296,200 | $ 113,000 |
| Stockton-Lodi, CA | 25 | $ 9,265,000 | $ 370,600 | $ 109,000 |
| Warren-Troy-Farmington Hills, MI | 25 | $ 7,865,000 | $ 314,600 | $ 135,000 |
| Boulder, CO | 24 | $ 11,590,000 | $ 482,916 | $ 289,000 |
| Cape Coral-Fort Myers, FL | 23 | $ 7,235,000 | $ 314,565 | $ 144,000 |
| Pittsburgh, PA | 23 | $ 8,095,000 | $ 351,956 | $ 187,000 |
| Camden, NJ | 22 | $ 6,660,000 | $ 302,727 | $ 136,000 |
| Provo-Orem, UT | 22 | $ 8,330,000 | $ 378,636 | $ 133,000 |
| Rockingham County-Strafford County, NH | 22 | $ 8,140,000 | $ 370,000 | $ 159,000 |
| Spokane-Spokane Valley, WA | 22 | $ 7,470,000 | $ 339,545 | $ 131,000 |
| Cleveland-Elyria, OH | 21 | $ 7,425,000 | $ 353,571 | $ 169,000 |
| Hartford-West Hartford-East Hartford, CT | 21 | $ 7,375,000 | $ 351,190 | $ 106,000 |
| Huntsville, AL | 21 | $ 7,195,000 | $ 342,619 | $ 113,000 |
| Greenville-Anderson-Mauldin, SC | 20 | $ 5,960,000 | $ 298,000 | $ 82,000 |
| Philadelphia, PA | 19 | $ 6,265,000 | $ 329,736 | $ 176,000 |
| Dayton-Springfield-Kettering, OH | 18 | $ 4,900,000 | $ 272,222 | $ 111,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 18 | $ 5,630,000 | $ 312,777 | $ 172,000 |
| Nassau County-Suffolk County, NY | 18 | $ 6,790,000 | $ 377,222 | $ 170,000 |
| New Orleans-Metairie, LA | 18 | $ 5,700,000 | $ 316,666 | $ 126,000 |
| Palm Bay-Melbourne-Titusville, FL | 18 | $ 7,360,000 | $ 408,888 | $ 155,000 |
| Vallejo-Fairfield, CA | 18 | $ 7,350,000 | $ 408,333 | $ 123,000 |
| Wilmington, DE-MD-NJ | 18 | $ 5,250,000 | $ 291,666 | $ 101,444 |
| Fort Collins, CO | 17 | $ 6,755,000 | $ 397,352 | $ 101,000 |
| Chicago-Naperville, IL | 16 | $ 4,330,000 | $ 270,625 | $ 75,000 |
| Knoxville, TN | 16 | $ 6,110,000 | $ 381,875 | $ 113,000 |
| Manchester-Nashua, NH | 16 | $ 5,850,000 | $ 365,625 | $ 125,000 |
| Worcester, MA-CT | 16 | $ 6,040,000 | $ 377,500 | $ 266,250 |
| Columbia, SC | 15 | $ 4,375,000 | $ 291,666 | $ 107,000 |
| Fayetteville, NC | 15 | $ 4,025,000 | $ 268,333 | $ 71,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 15 | $ 4,385,000 | $ 292,333 | $ 136,000 |
| New Haven-Milford, CT | 15 | $ 4,655,000 | $ 310,333 | $ 155,000 |
| San Francisco-Redwood City-South San Francisco, CA | 15 | $ 8,525,000 | $ 568,333 | $ 186,000 |
| Santa Rosa, CA | 15 | $ 7,565,000 | $ 504,333 | $ 142,000 |
| Springfield, MO | 15 | $ 2,275,000 | $ 151,666 | $ 64,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 14 | $ 4,280,000 | $ 305,714 | $ 146,000 |
| Detroit-Dearborn-Livonia, MI | 14 | $ 4,230,000 | $ 302,142 | $ 165,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 14 | $ 6,600,000 | $ 471,428 | $ 155,000 |
| Pensacola-Ferry Pass-Brent, FL | 14 | $ 4,430,000 | $ 316,428 | $ 157,000 |
| Portland-South Portland, ME | 14 | $ 5,300,000 | $ 378,571 | $ 172,000 |
| Tulsa, OK | 14 | $ 3,430,000 | $ 245,000 | $ 104,000 |
| Augusta-Richmond County, GA-SC | 13 | $ 4,075,000 | $ 313,461 | $ 88,000 |
| Grand Rapids-Wyoming, MI | 13 | $ 4,055,000 | $ 311,923 | $ 275,000 |
| Santa Maria-Santa Barbara, CA | 13 | $ 5,605,000 | $ 431,153 | $ 233,000 |
| Savannah, GA | 13 | $ 3,995,000 | $ 307,307 | $ 110,000 |
| Durham-Chapel Hill, NC | 12 | $ 4,770,000 | $ 397,500 | $ 232,000 |
| Madison, WI | 12 | $ 3,600,000 | $ 300,000 | $ 87,000 |
| Memphis, TN-MS-AR | 12 | $ 3,920,000 | $ 326,666 | $ 122,500 |
| Milwaukee-Waukesha-West Allis, WI | 12 | $ 4,240,000 | $ 353,333 | $ 142,000 |
| Kennewick-Richland, WA | 11 | $ 3,785,000 | $ 344,090 | $ 116,000 |
| Lakeland-Winter Haven, FL | 11 | $ 2,925,000 | $ 265,909 | $ 86,000 |
| Little Rock-North Little Rock-Conway, AR | 11 | $ 4,195,000 | $ 381,363 | $ 187,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 11 | $ 3,525,000 | $ 320,454 | $ 108,545 |
| Port St. Lucie, FL | 11 | $ 3,255,000 | $ 295,909 | $ 117,000 |
| Fresno, CA | 10 | $ 4,070,000 | $ 407,000 | $ 139,000 |
| Hagerstown-Martinsburg, MD-WV | 10 | $ 2,850,000 | $ 285,000 | $ 87,000 |
| Killeen-Temple, TX | 10 | $ 3,320,000 | $ 332,000 | $ 65,000 |
| St. George, UT | 10 | $ 3,780,000 | $ 378,000 | $ 123,000 |
| Wilmington, NC | 10 | $ 2,410,000 | $ 241,000 | $ 105,000 |
| Bellingham, WA | 9 | $ 3,465,000 | $ 385,000 | $ 105,000 |
| Bridgeport-Stamford-Norwalk, CT | 9 | $ 3,715,000 | $ 412,777 | $ 135,000 |
| California-Lexington Park, MD | 9 | $ 3,175,000 | $ 352,777 | $ 112,000 |
| Greeley, CO | 9 | $ 3,095,000 | $ 343,888 | $ 52,000 |
| Greensboro-High Point, NC | 9 | $ 2,935,000 | $ 326,111 | $ 137,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 9 | $ 2,655,000 | $ 295,000 | $ 104,000 |
| Louisville/Jefferson County, KY-IN | 9 | $ 3,185,000 | $ 353,888 | $ 118,000 |
| Montgomery, AL | 9 | $ 2,955,000 | $ 328,333 | $ 111,000 |
| Santa Fe, NM | 9 | $ 3,495,000 | $ 388,333 | $ 93,000 |
| York-Hanover, PA | 9 | $ 3,155,000 | $ 350,555 | $ 128,000 |
| Barnstable Town, MA | 8 | $ 2,640,000 | $ 330,000 | $ 157,000 |
| Bend-Redmond, OR | 8 | $ 3,200,000 | $ 400,000 | $ 100,000 |
| Chattanooga, TN-GA | 8 | $ 2,700,000 | $ 337,500 | $ 104,250 |
| Clarksville, TN-KY | 8 | $ 2,710,000 | $ 338,750 | $ 110,125 |
| Columbus, GA-AL | 8 | $ 3,300,000 | $ 412,500 | $ 211,000 |
| Daphne-Fairhope-Foley, AL | 8 | $ 2,900,000 | $ 362,500 | $ 142,000 |
| Idaho Falls, ID | 8 | $ 2,250,000 | $ 281,250 | $ 105,000 |
| Las Cruces, NM | 8 | $ 1,830,000 | $ 228,750 | $ 131,000 |
| Norwich-New London, CT | 8 | $ 2,600,000 | $ 325,000 | $ 112,000 |
| Trenton, NJ | 8 | $ 2,450,000 | $ 306,250 | $ 492,000 |
| Yuba City, CA | 8 | $ 2,640,000 | $ 330,000 | $ 228,000 |
| Akron, OH | 7 | $ 2,105,000 | $ 300,714 | $ 96,000 |
| Charlottesville, VA | 7 | $ 2,155,000 | $ 307,857 | $ 130,000 |
| Gainesville, FL | 7 | $ 2,225,000 | $ 317,857 | $ 149,000 |
| Gary, IN | 7 | $ 1,955,000 | $ 279,285 | $ 74,000 |
| Gulfport-Biloxi-Pascagoula, MS | 7 | $ 1,655,000 | $ 236,428 | $ 73,000 |
| Hickory-Lenoir-Morganton, NC | 7 | $ 2,685,000 | $ 383,571 | $ 159,000 |
| Lake Havasu City-Kingman, AZ | 7 | $ 2,275,000 | $ 325,000 | $ 176,000 |
| Modesto, CA | 7 | $ 2,135,000 | $ 305,000 | $ 136,000 |
| Naples-Immokalee-Marco Island, FL | 7 | $ 2,715,000 | $ 387,857 | $ 122,000 |
| Panama City, FL | 7 | $ 2,185,000 | $ 312,142 | $ 115,000 |
| Redding, CA | 7 | $ 1,985,000 | $ 283,571 | $ 105,000 |
| Salem, OR | 7 | $ 2,275,000 | $ 325,000 | $ 116,000 |
| Spartanburg, SC | 7 | $ 2,275,000 | $ 325,000 | $ 132,000 |
| Ann Arbor, MI | 6 | $ 2,120,000 | $ 353,333 | $ 140,000 |
| Asheville, NC | 6 | $ 2,310,000 | $ 385,000 | $ 94,000 |
| Bakersfield, CA | 6 | $ 1,600,000 | $ 266,666 | $ 90,000 |
| Blacksburg-Christiansburg-Radford, VA | 6 | $ 2,020,000 | $ 336,666 | $ 147,000 |
| Coeur D'Alene, ID | 6 | $ 2,400,000 | $ 400,000 | $ 143,000 |
| El Paso, TX | 6 | $ 2,240,000 | $ 373,333 | $ 126,000 |
| Flint, MI | 6 | $ 1,870,000 | $ 311,666 | $ 118,000 |
| Harrisburg-Carlisle, PA | 6 | $ 2,030,000 | $ 338,333 | $ 158,000 |
| Lawrence, KS | 6 | $ 1,610,000 | $ 268,333 | $ 95,000 |
| Lexington-Fayette, KY | 6 | $ 3,280,000 | $ 546,666 | $ 167,000 |
| Omaha-Council Bluffs, NE-IA | 6 | $ 1,720,000 | $ 286,666 | $ 162,000 |
| Prescott Valley-Prescott, AZ | 6 | $ 1,640,000 | $ 273,333 | $ 161,000 |
| Punta Gorda, FL | 6 | $ 1,550,000 | $ 258,333 | $ 122,000 |
| Salisbury, MD-DE | 6 | $ 1,920,000 | $ 320,000 | $ 118,333 |
| Burlington-South Burlington, VT | 5 | $ 1,595,000 | $ 319,000 | $ 157,000 |
| Cheyenne, WY | 5 | $ 2,085,000 | $ 417,000 | $ 75,000 |
| Dover, DE | 5 | $ 1,425,000 | $ 285,000 | $ 80,000 |
| Evansville, IN-KY | 5 | $ 1,455,000 | $ 291,000 | $ 105,000 |
| Jackson, MS | 5 | $ 1,625,000 | $ 325,000 | $ 36,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 1,585,000 | $ 317,000 | $ 122,800 |
| Lincoln, NE | 5 | $ 2,175,000 | $ 435,000 | $ 191,000 |
| Napa, CA | 5 | $ 2,875,000 | $ 575,000 | $ 187,000 |
| Reading, PA | 5 | $ 1,465,000 | $ 293,000 | $ 87,000 |
| Shreveport-Bossier City, LA | 5 | $ 1,715,000 | $ 343,000 | $ 147,000 |
| Springfield, MA | 5 | $ 1,625,000 | $ 325,000 | $ 88,000 |
| Sumter, SC | 5 | $ 1,435,000 | $ 287,000 | $ 70,000 |
| Tallahassee, FL | 5 | $ 1,465,000 | $ 293,000 | $ 102,000 |
| Tucson, AZ | 5 | $ 1,505,000 | $ 301,000 | $ 97,000 |
| Visalia-Porterville, CA | 5 | $ 1,845,000 | $ 369,000 | $ 78,000 |
| Warner Robins, GA | 5 | $ 1,375,000 | $ 275,000 | $ 161,000 |
| Athens-Clarke County, GA | 4 | $ 1,630,000 | $ 407,500 | $ 138,000 |
| Billings, MT | 4 | $ 1,120,000 | $ 280,000 | $ 120,000 |
| Carson City, NV | 4 | $ 1,260,000 | $ 315,000 | $ 84,000 |
| Casper, WY | 4 | $ 990,000 | $ 247,500 | $ 99,000 |
| Corvallis, OR | 4 | $ 1,220,000 | $ 305,000 | $ 132,000 |
| Eugene, OR | 4 | $ 1,470,000 | $ 367,500 | $ 111,000 |
| Farmington, NM | 4 | $ 1,090,000 | $ 272,500 | $ 119,000 |
| Grand Island, NE | 4 | $ 1,090,000 | $ 272,500 | $ 155,000 |
| Harrisonburg, VA | 4 | $ 1,080,000 | $ 270,000 | $ 92,000 |
| Missoula, MT | 4 | $ 1,300,000 | $ 325,000 | $ 100,000 |
| Mobile, AL | 4 | $ 1,240,000 | $ 310,000 | $ 181,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 1,570,000 | $ 392,500 | $ 98,000 |
| New Bern, NC | 4 | $ 1,250,000 | $ 312,500 | $ 89,000 |
| Ocala, FL | 4 | $ 770,000 | $ 192,500 | $ 81,000 |
| Ocean City, NJ | 4 | $ 1,580,000 | $ 395,000 | $ 199,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 4 | $ 1,270,000 | $ 317,500 | $ 65,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 2,300,000 | $ 575,000 | $ 231,000 |
| Topeka, KS | 4 | $ 960,000 | $ 240,000 | $ 105,000 |
| Wenatchee, WA | 4 | $ 1,580,000 | $ 395,000 | $ 176,000 |
| Winchester, VA-WV | 4 | $ 1,440,000 | $ 360,000 | $ 0 |
| Winston-Salem, NC | 4 | $ 1,260,000 | $ 315,000 | $ 102,000 |
| Appleton, WI | 3 | $ 805,000 | $ 268,333 | $ 98,000 |
| Auburn-Opelika, AL | 3 | $ 905,000 | $ 301,666 | $ 55,000 |
| Baton Rouge, LA | 3 | $ 765,000 | $ 255,000 | $ 100,000 |
| Beaumont-Port Arthur, TX | 3 | $ 945,000 | $ 315,000 | $ 156,000 |
| Bloomsburg-Berwick, PA | 3 | $ 695,000 | $ 231,666 | $ 102,000 |
| Chambersburg-Waynesboro, PA | 3 | $ 665,000 | $ 221,666 | $ 107,000 |
| Cleveland, TN | 3 | $ 785,000 | $ 261,666 | $ 73,000 |
| College Station-Bryan, TX | 3 | $ 1,025,000 | $ 341,666 | $ 93,000 |
| El Centro, CA | 3 | $ 795,000 | $ 265,000 | $ 66,000 |
| Fargo, ND-MN | 3 | $ 775,000 | $ 258,333 | $ 119,000 |
| Flagstaff, AZ | 3 | $ 935,000 | $ 311,666 | $ 113,000 |
| Fond Du Lac, WI | 3 | $ 875,000 | $ 291,666 | $ 95,000 |
| Jacksonville, NC | 3 | $ 835,000 | $ 278,333 | $ 73,000 |
| Joplin, MO | 3 | $ 605,000 | $ 201,666 | $ 22,000 |
| Macon-Bibb County, GA | 3 | $ 1,125,000 | $ 375,000 | $ 126,000 |
| Midland, TX | 3 | $ 1,065,000 | $ 355,000 | $ 102,000 |
| Pocatello, ID | 3 | $ 765,000 | $ 255,000 | $ 85,000 |
| Pueblo, CO | 3 | $ 885,000 | $ 295,000 | $ 91,000 |
| Racine, WI | 3 | $ 745,000 | $ 248,333 | $ 91,000 |
| San Rafael, CA | 3 | $ 1,735,000 | $ 578,333 | $ 150,000 |
| Albany, GA | 2 | $ 600,000 | $ 300,000 | $ 0 |
| Amarillo, TX | 2 | $ 520,000 | $ 260,000 | $ 154,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 1,180,000 | $ 590,000 | $ 226,000 |
| Burlington, NC | 2 | $ 650,000 | $ 325,000 | $ 81,000 |
| Charleston, WV | 2 | $ 370,000 | $ 185,000 | $ 140,000 |
| Corpus Christi, TX | 2 | $ 440,000 | $ 220,000 | $ 23,000 |
| Decatur, AL | 2 | $ 470,000 | $ 235,000 | $ 101,000 |
| Duluth, MN-WI | 2 | $ 810,000 | $ 405,000 | $ 271,000 |
| Eau Claire, WI | 2 | $ 470,000 | $ 235,000 | $ 46,000 |
| Elizabethtown-Fort Knox, KY | 2 | $ 750,000 | $ 375,000 | $ 91,000 |
| Enid, OK | 2 | $ 390,000 | $ 195,000 | $ 64,000 |
| Florence, SC | 2 | $ 310,000 | $ 155,000 | $ 27,000 |
| Hanford-Corcoran, CA | 2 | $ 360,000 | $ 180,000 | $ 69,000 |
| Homosassa Springs, FL | 2 | $ 490,000 | $ 245,000 | $ 64,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 590,000 | $ 295,000 | $ 52,000 |
| Johnson City, TN | 2 | $ 550,000 | $ 275,000 | $ 241,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 690,000 | $ 345,000 | $ 151,000 |
| La Crosse-Onalaska, WI-MN | 2 | $ 1,090,000 | $ 545,000 | $ 0 |
| Lafayette-West Lafayette, IN | 2 | $ 620,000 | $ 310,000 | $ 120,000 |
| Lake Charles, LA | 2 | $ 600,000 | $ 300,000 | $ 171,000 |
| Lancaster, PA | 2 | $ 460,000 | $ 230,000 | $ 95,000 |
| Lansing-East Lansing, MI | 2 | $ 650,000 | $ 325,000 | $ 131,000 |
| Lewiston, ID-WA | 2 | $ 650,000 | $ 325,000 | $ 90,000 |
| Lewiston-Auburn, ME | 2 | $ 420,000 | $ 210,000 | $ 75,000 |
| Medford, OR | 2 | $ 780,000 | $ 390,000 | $ 166,000 |
| Rapid City, SD | 2 | $ 570,000 | $ 285,000 | $ 76,000 |
| Roanoke, VA | 2 | $ 510,000 | $ 255,000 | $ 71,000 |
| Saginaw, MI | 2 | $ 630,000 | $ 315,000 | $ 126,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 510,000 | $ 255,000 | $ 110,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 510,000 | $ 255,000 | $ 43,000 |
| Springfield, OH | 2 | $ 570,000 | $ 285,000 | $ 113,000 |
| State College, PA | 2 | $ 620,000 | $ 310,000 | $ 85,000 |
| Staunton-Waynesboro, VA | 2 | $ 740,000 | $ 370,000 | $ 90,000 |
| The Villages, FL | 2 | $ 890,000 | $ 445,000 | $ 117,000 |
| Toledo, OH | 2 | $ 880,000 | $ 440,000 | $ 232,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 610,000 | $ 305,000 | $ 126,000 |
| Abilene, TX | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Alexandria, LA | 1 | $ 305,000 | $ 305,000 | $ 319,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 255,000 | $ 255,000 | $ 107,000 |
| Binghamton, NY | 1 | $ 225,000 | $ 225,000 | $ 174,000 |
| Bloomington, IN | 1 | $ 315,000 | $ 315,000 | $ 75,000 |
| Cedar Rapids, IA | 1 | $ 565,000 | $ 565,000 | $ 179,000 |
| Columbia, MO | 1 | $ 175,000 | $ 175,000 | $ 169,000 |
| Danville, IL | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Florence-Muscle Shoals, AL | 1 | $ 305,000 | $ 305,000 | $ 158,000 |
| Fort Wayne, IN | 1 | $ 325,000 | $ 325,000 | $ 75,000 |
| Gadsden, AL | 1 | $ 35,000 | $ 35,000 | $ 71,000 |
| Gainesville, GA | 1 | $ 325,000 | $ 325,000 | $ 144,000 |
| Grants Pass, OR | 1 | $ 315,000 | $ 315,000 | $ 97,000 |
| Green Bay, WI | 1 | $ 335,000 | $ 335,000 | $ 110,000 |
| Greenville, NC | 1 | $ 365,000 | $ 365,000 | $ 199,000 |
| Hammond, LA | 1 | $ 335,000 | $ 335,000 | $ 119,000 |
| Hinesville, GA | 1 | $ 225,000 | $ 225,000 | $ 93,000 |
| Houma-Thibodaux, LA | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Iowa City, IA | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Jackson, MI | 1 | $ 465,000 | $ 465,000 | $ 76,000 |
| Jefferson City, MO | 1 | $ 165,000 | $ 165,000 | $ 36,000 |
| Johnstown, PA | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Jonesboro, AR | 1 | $ 275,000 | $ 275,000 | $ 118,000 |
| Kingston, NY | 1 | $ 305,000 | $ 305,000 | $ 179,000 |
| Lafayette, LA | 1 | $ 385,000 | $ 385,000 | $ 190,000 |
| Lawton, OK | 1 | $ 195,000 | $ 195,000 | $ 87,000 |
| Lima, OH | 1 | $ 315,000 | $ 315,000 | $ 155,000 |
| Logan, UT-ID | 1 | $ 425,000 | $ 425,000 | $ 88,000 |
| Longview, TX | 1 | $ 85,000 | $ 85,000 | $ 2,000 |
| Longview, WA | 1 | $ 315,000 | $ 315,000 | $ 114,000 |
| Lynchburg, VA | 1 | $ 325,000 | $ 325,000 | $ 81,000 |
| Madera, CA | 1 | $ 305,000 | $ 305,000 | $ 132,000 |
| Manhattan, KS | 1 | $ 325,000 | $ 325,000 | $ 106,000 |
| Mansfield, OH | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 255,000 | $ 255,000 | $ 224,000 |
| Monroe, MI | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Morristown, TN | 1 | $ 395,000 | $ 395,000 | $ 85,000 |
| Muskegon, MI | 1 | $ 365,000 | $ 365,000 | $ 173,000 |
| Odessa, TX | 1 | $ 275,000 | $ 275,000 | $ 58,000 |
| Owensboro, KY | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Pine Bluff, AR | 1 | $ 245,000 | $ 245,000 | $ 111,000 |
| Rockford, IL | 1 | $ 235,000 | $ 235,000 | $ 140,000 |
| Rocky Mount, NC | 1 | $ 255,000 | $ 255,000 | $ 0 |
| San Angelo, TX | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Sebring, FL | 1 | $ 295,000 | $ 295,000 | $ 58,000 |
| Sherman-Denison, TX | 1 | $ 375,000 | $ 375,000 | $ 170,000 |
| Sioux City, IA-NE-SD | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Sioux Falls, SD | 1 | $ 225,000 | $ 225,000 | $ 101,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 405,000 | $ 405,000 | $ 227,000 |
| Springfield, IL | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Texarkana, TX-AR | 1 | $ 425,000 | $ 425,000 | $ 189,000 |
| Tuscaloosa, AL | 1 | $ 115,000 | $ 115,000 | $ 50,000 |
| Twin Falls, ID | 1 | $ 265,000 | $ 265,000 | $ 58,000 |
| Utica-Rome, NY | 1 | $ 205,000 | $ 205,000 | $ 73,000 |
| Waco, TX | 1 | $ 395,000 | $ 395,000 | $ 179,000 |
| Williamsport, PA | 1 | $ 245,000 | $ 245,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for BNC National Bank in 2019
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 | 3,084 | $1,165,650,000 | $377,000 | $1,745,000 | $145,000 | $1,936,000 |
| Home Purchase | 2,473 | $734,025,000 | $296,000 | $1,525,000 | $118,000 | $3,078,000 |
| Cash-out Refinancing | 1,408 | $511,400,000 | $363,000 | $1,295,000 | $138,000 | $2,309,000 |
| Other Purpose | 109 | $11,155,000 | $102,000 | $675,000 | $139,000 | $485,000 |
| Home Improvement | 106 | $27,940,000 | $263,000 | $615,000 | $138,000 | $912,000 |
| Not Applicable | 3 | $695,000 | $231,000 | $355,000 | $116,000 | $116,000 |
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 | 4,141 | $1,339,135,000 | $323,000 | $1,525,000 | $129,000 | $3,078,000 |
| Not Provided | 1,841 | $690,655,000 | $375,000 | $1,295,000 | $146,000 | $2,309,000 |
| Hispanic | 393 | $132,605,000 | $337,000 | $1,405,000 | $109,000 | $1,884,000 |
| Asian | 378 | $148,200,000 | $392,000 | $995,000 | $156,000 | $1,860,000 |
| Black or African American | 338 | $108,010,000 | $319,000 | $1,225,000 | $102,000 | $466,000 |
| American Indian or Alaskan Native | 60 | $18,400,000 | $306,000 | $875,000 | $116,000 | $898,000 |
| Native Hawaiian or Other Pacific Islander | 21 | $8,425,000 | $401,000 | $695,000 | $104,000 | $151,000 |
| Not applicable | 9 | $4,695,000 | $521,000 | $1,745,000 | $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) | 3,648 | $1,267,050,000 | $347,000 | $1,745,000 | $155,000 | $1,936,000 |
| VA-guaranteed (Veterans Administration) | 2,737 | $1,007,585,000 | $368,000 | $1,295,000 | $109,000 | $3,078,000 |
| FHA-insured (Federal Housing Administration) | 672 | $160,270,000 | $238,000 | $735,000 | $86,000 | $840,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 126 | $15,960,000 | $126,000 | $345,000 | $47,000 | $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 | 4,070 | $1,347,470,000 | $331,000 | $1,745,000 | $125,000 | $1,835,000 |
| Application Withdrawn By Applicant | 2,222 | $794,540,000 | $357,000 | $1,405,000 | $143,000 | $3,078,000 |
| Application Denied By Financial Institution | 890 | $308,500,000 | $346,000 | $1,295,000 | $135,000 | $2,309,000 |
| Loan Purchased By The Institution | 1 | $355,000 | $355,000 | $355,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 6,293 | $2,142,365,000 | $340,000 | $1,745,000 | $132,000 | $3,078,000 |
| Credit Application Incomplete | 476 | $177,950,000 | $373,000 | $1,295,000 | $162,000 | $1,494,000 |
| Credit History | 142 | $43,380,000 | $305,000 | $775,000 | $122,000 | $2,309,000 |
| Debt-To-Income Ratio | 115 | $37,495,000 | $326,000 | $905,000 | $82,000 | $309,000 |
| Collateral | 60 | $20,590,000 | $343,000 | $805,000 | $121,000 | $375,000 |
| Other | 52 | $15,760,000 | $303,000 | $765,000 | $107,000 | $324,000 |
| Unverifiable Information | 16 | $5,040,000 | $315,000 | $765,000 | $95,000 | $208,000 |
| Employment History | 16 | $4,200,000 | $262,000 | $595,000 | $90,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $4,085,000 | $314,000 | $395,000 | $101,000 | $234,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BNC National Bank's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess BNC National Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in North Dakota, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About