BNC National Bank Mortgage Lending & HMDA Data, 2020
In 2020, BNC National Bank of Bismarck, ND reported 13,776 mortgage applications totaling $5.0 billion, up 92% from 2019. The average application was for $361,447, and applicants reported an average income of $128,013. 61% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (847), Kansas City, MO-KS (684) and Seattle-Bellevue-Everett, WA (466) (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 | 13,776 |
| Total Mortgage Loan Application Amount | $4,979,300,000 |
| Average Mortgage Loan Application Amount | $361,447 |
| Highest Mortgage Loan Application Amount | $1,865,000 |
| Average Applicant Income | $128,013 |
| Highest Applicant Income | $2,664,000 |
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Act (HMDA) records BNC National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 985 | $ 246,615,000 | $ 250,370 | $ 103,612 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 847 | $ 384,105,000 | $ 453,488 | $ 141,243 |
| Kansas City, MO-KS | 684 | $ 150,460,000 | $ 219,970 | $ 87,013 |
| Seattle-Bellevue-Everett, WA | 466 | $ 222,020,000 | $ 476,437 | $ 166,000 |
| Wichita, KS | 433 | $ 85,395,000 | $ 197,217 | $ 90,000 |
| Los Angeles-Long Beach-Glendale, CA | 360 | $ 176,640,000 | $ 490,666 | $ 161,000 |
| Bismarck, ND | 357 | $ 82,525,000 | $ 231,162 | $ 152,000 |
| Atlanta-Sandy Springs-Roswell, GA | 326 | $ 118,000,000 | $ 361,963 | $ 140,000 |
| Denver-Aurora-Lakewood, CO | 316 | $ 130,620,000 | $ 413,354 | $ 137,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 257 | $ 103,375,000 | $ 402,237 | $ 158,782 |
| San Diego-Carlsbad, CA | 253 | $ 119,625,000 | $ 472,826 | $ 131,000 |
| Baltimore-Columbia-Towson, MD | 239 | $ 95,125,000 | $ 398,012 | $ 102,000 |
| Oakland-Hayward-Berkeley, CA | 232 | $ 117,980,000 | $ 508,534 | $ 171,000 |
| Las Vegas-Henderson-Paradise, NV | 216 | $ 74,210,000 | $ 343,564 | $ 112,000 |
| Dallas-Plano-Irving, TX | 201 | $ 73,425,000 | $ 365,298 | $ 151,000 |
| Phoenix-Mesa-Scottsdale, AZ | 198 | $ 61,720,000 | $ 311,717 | $ 132,000 |
| Riverside-San Bernardino-Ontario, CA | 191 | $ 74,095,000 | $ 387,931 | $ 110,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 183 | $ 63,545,000 | $ 347,240 | $ 71,278 |
| Anaheim-Santa Ana-Irvine, CA | 162 | $ 81,120,000 | $ 500,740 | $ 158,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 161 | $ 66,945,000 | $ 415,807 | $ 135,000 |
| Houston-The Woodlands-Sugar Land, TX | 159 | $ 57,965,000 | $ 364,559 | $ 161,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 159 | $ 57,035,000 | $ 358,710 | $ 151,371 |
| Davenport-Moline-Rock Island, IA-IL | 150 | $ 23,470,000 | $ 156,466 | $ 77,000 |
| Washington-Baltimore-Arlington, DC | 139 | $ 61,485,000 | $ 442,338 | $ 144,000 |
| Charlotte-Concord-Gastonia, NC-SC | 138 | $ 49,000,000 | $ 355,072 | $ 122,500 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 133 | $ 50,345,000 | $ 378,533 | $ 123,000 |
| Austin-Round Rock, TX | 131 | $ 51,115,000 | $ 390,190 | $ 165,000 |
| Cambridge-Newton-Framingham, MA | 127 | $ 56,395,000 | $ 444,055 | $ 150,000 |
| Colorado Springs, CO | 122 | $ 43,790,000 | $ 358,934 | $ 83,000 |
| Jacksonville, FL | 121 | $ 41,285,000 | $ 341,198 | $ 103,000 |
| New York-Jersey City-White Plains, NY-NJ | 121 | $ 52,955,000 | $ 437,644 | $ 174,727 |
| New York-Newark, NY | 119 | $ 45,255,000 | $ 380,294 | $ 206,285 |
| Orlando-Kissimmee-Sanford, FL | 110 | $ 40,460,000 | $ 367,818 | $ 125,000 |
| Montgomery County-Bucks County-Chester County, PA | 108 | $ 45,280,000 | $ 419,259 | $ 161,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 107 | $ 57,305,000 | $ 535,560 | $ 171,000 |
| Salt Lake City, UT | 106 | $ 41,030,000 | $ 387,075 | $ 122,000 |
| Tampa-St. Petersburg-Clearwater, FL | 102 | $ 37,250,000 | $ 365,196 | $ 106,000 |
| Boston, MA | 95 | $ 42,335,000 | $ 445,631 | $ 153,000 |
| San Francisco-Redwood City-South San Francisco, CA | 85 | $ 49,105,000 | $ 577,705 | $ 217,000 |
| Tacoma-Lakewood, WA | 84 | $ 33,240,000 | $ 395,714 | $ 111,000 |
| San Antonio-New Braunfels, TX | 82 | $ 27,480,000 | $ 335,121 | $ 91,000 |
| Charleston-North Charleston, SC | 80 | $ 29,950,000 | $ 374,375 | $ 103,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 77 | $ 29,385,000 | $ 381,623 | $ 150,000 |
| Raleigh, NC | 77 | $ 27,265,000 | $ 354,090 | $ 133,000 |
| Newark, NJ-PA | 72 | $ 31,430,000 | $ 436,527 | $ 193,750 |
| Warren-Troy-Farmington Hills, MI | 68 | $ 21,210,000 | $ 311,911 | $ 127,000 |
| Philadelphia, PA | 66 | $ 24,710,000 | $ 374,393 | $ 145,000 |
| Richmond, VA | 65 | $ 22,555,000 | $ 347,000 | $ 106,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 61 | $ 21,905,000 | $ 359,098 | $ 151,000 |
| Bridgeport-Stamford-Norwalk, CT | 59 | $ 24,015,000 | $ 407,033 | $ 172,000 |
| Providence-Warwick, RI-MA | 57 | $ 20,795,000 | $ 364,824 | $ 114,719 |
| Fort Worth-Arlington, TX | 54 | $ 20,060,000 | $ 371,481 | $ 130,000 |
| Chicago-Naperville, IL | 53 | $ 16,855,000 | $ 318,018 | $ 207,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 53 | $ 24,205,000 | $ 456,698 | $ 137,000 |
| Reno, NV | 53 | $ 20,325,000 | $ 383,490 | $ 130,000 |
| Provo-Orem, UT | 52 | $ 20,470,000 | $ 393,653 | $ 159,000 |
| Oklahoma City, OK | 50 | $ 15,480,000 | $ 309,600 | $ 105,000 |
| Bremerton-Silverdale, WA | 48 | $ 19,760,000 | $ 411,666 | $ 89,000 |
| Boise City, ID | 47 | $ 17,415,000 | $ 370,531 | $ 120,000 |
| Columbus, OH | 47 | $ 16,875,000 | $ 359,042 | $ 118,000 |
| Indianapolis-Carmel-Anderson, IN | 47 | $ 16,715,000 | $ 355,638 | $ 80,000 |
| North Port-Sarasota-Bradenton, FL | 45 | $ 20,005,000 | $ 444,555 | $ 148,000 |
| Pittsburgh, PA | 44 | $ 16,480,000 | $ 374,545 | $ 125,000 |
| St. Louis, MO-IL | 44 | $ 11,500,000 | $ 261,363 | $ 86,727 |
| Crestview-Fort Walton Beach-Destin, FL | 43 | $ 15,425,000 | $ 358,720 | $ 122,000 |
| Cincinnati, OH-KY-IN | 42 | $ 13,460,000 | $ 320,476 | $ 143,595 |
| Rockingham County-Strafford County, NH | 42 | $ 16,130,000 | $ 384,047 | $ 135,000 |
| Boulder, CO | 40 | $ 16,540,000 | $ 413,500 | $ 154,000 |
| Greeley, CO | 40 | $ 14,760,000 | $ 369,000 | $ 86,000 |
| Miami-Miami Beach-Kendall, FL | 40 | $ 16,340,000 | $ 408,500 | $ 164,000 |
| Huntsville, AL | 39 | $ 13,665,000 | $ 350,384 | $ 120,000 |
| New Orleans-Metairie, LA | 39 | $ 13,845,000 | $ 355,000 | $ 151,000 |
| Nassau County-Suffolk County, NY | 38 | $ 16,810,000 | $ 442,368 | $ 195,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 37 | $ 13,875,000 | $ 375,000 | $ 128,000 |
| Pensacola-Ferry Pass-Brent, FL | 37 | $ 10,185,000 | $ 275,270 | $ 121,000 |
| Albuquerque, NM | 36 | $ 12,340,000 | $ 342,777 | $ 112,000 |
| Memphis, TN-MS-AR | 36 | $ 12,330,000 | $ 342,500 | $ 96,833 |
| Palm Bay-Melbourne-Titusville, FL | 36 | $ 12,590,000 | $ 349,722 | $ 131,000 |
| Cleveland-Elyria, OH | 35 | $ 11,025,000 | $ 315,000 | $ 142,000 |
| Hartford-West Hartford-East Hartford, CT | 35 | $ 12,555,000 | $ 358,714 | $ 105,000 |
| Ogden-Clearfield, UT | 35 | $ 13,615,000 | $ 389,000 | $ 129,000 |
| Detroit-Dearborn-Livonia, MI | 33 | $ 8,935,000 | $ 270,757 | $ 126,000 |
| Worcester, MA-CT | 33 | $ 12,085,000 | $ 366,212 | $ 120,303 |
| Durham-Chapel Hill, NC | 31 | $ 12,845,000 | $ 414,354 | $ 160,000 |
| Fayetteville, NC | 31 | $ 7,355,000 | $ 237,258 | $ 65,000 |
| Cape Coral-Fort Myers, FL | 30 | $ 10,420,000 | $ 347,333 | $ 135,000 |
| Fort Collins, CO | 29 | $ 11,505,000 | $ 396,724 | $ 129,000 |
| Olympia-Tumwater, WA | 29 | $ 10,365,000 | $ 357,413 | $ 66,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 28 | $ 9,600,000 | $ 342,857 | $ 180,000 |
| Greenville-Anderson-Mauldin, SC | 28 | $ 10,040,000 | $ 358,571 | $ 131,000 |
| Vallejo-Fairfield, CA | 28 | $ 12,080,000 | $ 431,428 | $ 100,000 |
| Fresno, CA | 27 | $ 9,505,000 | $ 352,037 | $ 128,000 |
| Grand Rapids-Wyoming, MI | 27 | $ 9,975,000 | $ 369,444 | $ 168,000 |
| Manchester-Nashua, NH | 27 | $ 9,625,000 | $ 356,481 | $ 163,000 |
| Birmingham-Hoover, AL | 26 | $ 8,490,000 | $ 326,538 | $ 108,000 |
| Louisville/Jefferson County, KY-IN | 26 | $ 8,240,000 | $ 316,923 | $ 152,307 |
| Salem, OR | 26 | $ 7,950,000 | $ 305,769 | $ 77,000 |
| Salinas, CA | 26 | $ 14,910,000 | $ 573,461 | $ 122,000 |
| Savannah, GA | 26 | $ 9,520,000 | $ 366,153 | $ 97,000 |
| Milwaukee-Waukesha-West Allis, WI | 25 | $ 8,975,000 | $ 359,000 | $ 101,000 |
| Santa Maria-Santa Barbara, CA | 25 | $ 10,515,000 | $ 420,600 | $ 114,000 |
| Stockton-Lodi, CA | 25 | $ 9,905,000 | $ 396,200 | $ 125,000 |
| Wilmington, DE-MD-NJ | 24 | $ 8,790,000 | $ 366,250 | $ 109,416 |
| Charlottesville, VA | 23 | $ 9,485,000 | $ 412,391 | $ 133,000 |
| Columbia, SC | 23 | $ 7,415,000 | $ 322,391 | $ 85,000 |
| Augusta-Richmond County, GA-SC | 22 | $ 6,260,000 | $ 284,545 | $ 50,909 |
| Deltona-Daytona Beach-Ormond Beach, FL | 22 | $ 7,320,000 | $ 332,727 | $ 94,000 |
| Knoxville, TN | 22 | $ 7,880,000 | $ 358,181 | $ 110,000 |
| Portland-South Portland, ME | 22 | $ 7,930,000 | $ 360,454 | $ 109,000 |
| Salisbury, MD-DE | 22 | $ 8,410,000 | $ 382,272 | $ 161,181 |
| Santa Rosa, CA | 22 | $ 10,430,000 | $ 474,090 | $ 142,000 |
| Tulsa, OK | 22 | $ 7,380,000 | $ 335,454 | $ 101,000 |
| Camden, NJ | 21 | $ 6,985,000 | $ 332,619 | $ 122,000 |
| Port St. Lucie, FL | 21 | $ 6,985,000 | $ 332,619 | $ 128,000 |
| St. Joseph, MO-KS | 21 | $ 2,005,000 | $ 95,476 | $ 36,809 |
| Bend-Redmond, OR | 20 | $ 8,850,000 | $ 442,500 | $ 128,000 |
| Naples-Immokalee-Marco Island, FL | 20 | $ 7,650,000 | $ 382,500 | $ 106,000 |
| Springfield, MO | 20 | $ 3,770,000 | $ 188,500 | $ 65,000 |
| Tucson, AZ | 20 | $ 6,540,000 | $ 327,000 | $ 95,000 |
| Akron, OH | 19 | $ 5,305,000 | $ 279,210 | $ 120,000 |
| Clarksville, TN-KY | 19 | $ 6,075,000 | $ 319,736 | $ 25,000 |
| Hagerstown-Martinsburg, MD-WV | 19 | $ 5,835,000 | $ 307,105 | $ 121,894 |
| Spokane-Spokane Valley, WA | 19 | $ 7,305,000 | $ 384,473 | $ 226,000 |
| Wilmington, NC | 19 | $ 6,065,000 | $ 319,210 | $ 93,000 |
| Bellingham, WA | 18 | $ 6,730,000 | $ 373,888 | $ 149,000 |
| Kennewick-Richland, WA | 18 | $ 6,280,000 | $ 348,888 | $ 77,000 |
| Little Rock-North Little Rock-Conway, AR | 18 | $ 5,310,000 | $ 295,000 | $ 87,000 |
| Omaha-Council Bluffs, NE-IA | 18 | $ 4,900,000 | $ 272,222 | $ 103,444 |
| Allentown-Bethlehem-Easton, PA-NJ | 17 | $ 5,905,000 | $ 347,352 | $ 112,705 |
| Asheville, NC | 17 | $ 6,345,000 | $ 373,235 | $ 115,000 |
| Daphne-Fairhope-Foley, AL | 17 | $ 6,135,000 | $ 360,882 | $ 88,000 |
| Dayton-Springfield-Kettering, OH | 17 | $ 5,485,000 | $ 322,647 | $ 80,000 |
| Fargo, ND-MN | 17 | $ 3,955,000 | $ 232,647 | $ 167,588 |
| San Rafael, CA | 17 | $ 9,875,000 | $ 580,882 | $ 251,000 |
| Bakersfield, CA | 16 | $ 5,490,000 | $ 343,125 | $ 127,000 |
| Eugene, OR | 16 | $ 6,360,000 | $ 397,500 | $ 118,000 |
| Mount Vernon-Anacortes, WA | 16 | $ 5,960,000 | $ 372,500 | $ 73,000 |
| New Haven-Milford, CT | 16 | $ 5,440,000 | $ 340,000 | $ 125,000 |
| Santa Cruz-Watsonville, CA | 16 | $ 8,560,000 | $ 535,000 | $ 208,000 |
| Barnstable Town, MA | 15 | $ 5,375,000 | $ 358,333 | $ 176,000 |
| California-Lexington Park, MD | 15 | $ 5,385,000 | $ 359,000 | $ 81,000 |
| Columbus, GA-AL | 15 | $ 4,885,000 | $ 325,666 | $ 119,600 |
| Lakeland-Winter Haven, FL | 15 | $ 4,775,000 | $ 318,333 | $ 112,000 |
| Warner Robins, GA | 15 | $ 3,575,000 | $ 238,333 | $ 73,000 |
| Coeur D'Alene, ID | 14 | $ 5,080,000 | $ 362,857 | $ 85,000 |
| Harrisburg-Carlisle, PA | 14 | $ 4,090,000 | $ 292,142 | $ 109,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 14 | $ 4,770,000 | $ 340,714 | $ 100,857 |
| Topeka, KS | 14 | $ 3,410,000 | $ 243,571 | $ 112,000 |
| Corvallis, OR | 13 | $ 4,785,000 | $ 368,076 | $ 188,000 |
| Lake County-Kenosha County, IL-WI | 13 | $ 4,705,000 | $ 361,923 | $ 96,615 |
| Mobile, AL | 13 | $ 4,805,000 | $ 369,615 | $ 83,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 13 | $ 5,895,000 | $ 453,461 | $ 148,000 |
| Baton Rouge, LA | 12 | $ 3,220,000 | $ 268,333 | $ 91,000 |
| Madison, WI | 12 | $ 4,250,000 | $ 354,166 | $ 81,000 |
| Modesto, CA | 12 | $ 3,420,000 | $ 285,000 | $ 96,000 |
| Shreveport-Bossier City, LA | 12 | $ 3,680,000 | $ 306,666 | $ 106,000 |
| Jackson, MS | 11 | $ 3,085,000 | $ 280,454 | $ 111,000 |
| Jacksonville, NC | 11 | $ 3,185,000 | $ 289,545 | $ 21,000 |
| Las Cruces, NM | 11 | $ 3,405,000 | $ 309,545 | $ 103,000 |
| Lexington-Fayette, KY | 11 | $ 4,825,000 | $ 438,636 | $ 139,000 |
| Pueblo, CO | 11 | $ 2,985,000 | $ 271,363 | $ 92,000 |
| Killeen-Temple, TX | 10 | $ 2,870,000 | $ 287,000 | $ 44,000 |
| Trenton, NJ | 10 | $ 3,890,000 | $ 389,000 | $ 136,000 |
| Winchester, VA-WV | 10 | $ 3,660,000 | $ 366,000 | $ 23,000 |
| Blacksburg-Christiansburg-Radford, VA | 9 | $ 3,545,000 | $ 393,888 | $ 81,000 |
| Burlington-South Burlington, VT | 9 | $ 3,145,000 | $ 349,444 | $ 79,000 |
| Chattanooga, TN-GA | 9 | $ 2,675,000 | $ 297,222 | $ 109,000 |
| Cheyenne, WY | 9 | $ 2,965,000 | $ 329,444 | $ 52,000 |
| Greensboro-High Point, NC | 9 | $ 2,695,000 | $ 299,444 | $ 143,000 |
| Panama City, FL | 9 | $ 2,535,000 | $ 281,666 | $ 45,000 |
| Springfield, MA | 9 | $ 2,925,000 | $ 325,000 | $ 133,000 |
| Visalia-Porterville, CA | 9 | $ 2,615,000 | $ 290,555 | $ 65,000 |
| Ann Arbor, MI | 8 | $ 3,240,000 | $ 405,000 | $ 147,000 |
| Corpus Christi, TX | 8 | $ 2,650,000 | $ 331,250 | $ 110,000 |
| El Paso, TX | 8 | $ 2,850,000 | $ 356,250 | $ 135,000 |
| Grand Junction, CO | 8 | $ 2,050,000 | $ 256,250 | $ 43,000 |
| Lawrence, KS | 8 | $ 1,870,000 | $ 233,750 | $ 100,000 |
| Lincoln, NE | 8 | $ 3,070,000 | $ 383,750 | $ 54,000 |
| Medford, OR | 8 | $ 2,930,000 | $ 366,250 | $ 86,000 |
| Santa Fe, NM | 8 | $ 2,850,000 | $ 356,250 | $ 155,000 |
| St. George, UT | 8 | $ 2,680,000 | $ 335,000 | $ 103,000 |
| Toledo, OH | 8 | $ 2,830,000 | $ 353,750 | $ 121,000 |
| Gainesville, FL | 7 | $ 2,485,000 | $ 355,000 | $ 127,000 |
| Gary, IN | 7 | $ 2,265,000 | $ 323,571 | $ 100,000 |
| Joplin, MO | 7 | $ 885,000 | $ 126,428 | $ 52,000 |
| Rapid City, SD | 7 | $ 2,245,000 | $ 320,714 | $ 74,000 |
| Roanoke, VA | 7 | $ 3,495,000 | $ 499,285 | $ 240,000 |
| Wenatchee, WA | 7 | $ 2,565,000 | $ 366,428 | $ 152,000 |
| Winston-Salem, NC | 7 | $ 2,325,000 | $ 332,142 | $ 176,000 |
| York-Hanover, PA | 7 | $ 2,265,000 | $ 323,571 | $ 80,000 |
| Billings, MT | 6 | $ 1,830,000 | $ 305,000 | $ 66,000 |
| Columbia, MO | 6 | $ 1,380,000 | $ 230,000 | $ 118,000 |
| East Stroudsburg, PA | 6 | $ 1,610,000 | $ 268,333 | $ 123,000 |
| Gainesville, GA | 6 | $ 2,430,000 | $ 405,000 | $ 164,000 |
| Gulfport-Biloxi-Pascagoula, MS | 6 | $ 1,500,000 | $ 250,000 | $ 55,000 |
| Lafayette, LA | 6 | $ 1,750,000 | $ 291,666 | $ 91,000 |
| Lake Havasu City-Kingman, AZ | 6 | $ 1,820,000 | $ 303,333 | $ 104,000 |
| Manhattan, KS | 6 | $ 1,180,000 | $ 196,666 | $ 48,000 |
| Missoula, MT | 6 | $ 1,790,000 | $ 298,333 | $ 95,000 |
| New Bern, NC | 6 | $ 1,610,000 | $ 268,333 | $ 40,000 |
| Racine, WI | 6 | $ 1,770,000 | $ 295,000 | $ 93,000 |
| Spartanburg, SC | 6 | $ 1,620,000 | $ 270,000 | $ 117,000 |
| Sumter, SC | 6 | $ 1,520,000 | $ 253,333 | $ 44,000 |
| Athens-Clarke County, GA | 5 | $ 2,295,000 | $ 459,000 | $ 134,000 |
| Flagstaff, AZ | 5 | $ 1,395,000 | $ 279,000 | $ 101,000 |
| Flint, MI | 5 | $ 915,000 | $ 183,000 | $ 33,000 |
| Fort Wayne, IN | 5 | $ 1,445,000 | $ 289,000 | $ 139,000 |
| Hanford-Corcoran, CA | 5 | $ 1,535,000 | $ 307,000 | $ 67,000 |
| Hickory-Lenoir-Morganton, NC | 5 | $ 2,125,000 | $ 425,000 | $ 83,000 |
| Lancaster, PA | 5 | $ 1,265,000 | $ 253,000 | $ 101,000 |
| Lynchburg, VA | 5 | $ 1,545,000 | $ 309,000 | $ 35,000 |
| Madera, CA | 5 | $ 1,305,000 | $ 261,000 | $ 81,000 |
| Montgomery, AL | 5 | $ 1,675,000 | $ 335,000 | $ 58,000 |
| Morgantown, WV | 5 | $ 1,645,000 | $ 329,000 | $ 147,000 |
| Norwich-New London, CT | 5 | $ 2,195,000 | $ 439,000 | $ 71,000 |
| Ocala, FL | 5 | $ 1,685,000 | $ 337,000 | $ 64,000 |
| Tallahassee, FL | 5 | $ 2,065,000 | $ 413,000 | $ 114,000 |
| Waco, TX | 5 | $ 1,415,000 | $ 283,000 | $ 109,000 |
| Yuba City, CA | 5 | $ 1,715,000 | $ 343,000 | $ 148,000 |
| Bowling Green, KY | 4 | $ 1,060,000 | $ 265,000 | $ 126,000 |
| College Station-Bryan, TX | 4 | $ 1,350,000 | $ 337,500 | $ 94,000 |
| Dover, DE | 4 | $ 1,050,000 | $ 262,500 | $ 22,000 |
| Elgin, IL | 4 | $ 1,090,000 | $ 272,500 | $ 150,000 |
| Elizabethtown-Fort Knox, KY | 4 | $ 1,110,000 | $ 277,500 | $ 50,000 |
| Great Falls, MT | 4 | $ 1,530,000 | $ 382,500 | $ 268,000 |
| Greenville, NC | 4 | $ 1,310,000 | $ 327,500 | $ 102,000 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 1,330,000 | $ 332,500 | $ 236,250 |
| Idaho Falls, ID | 4 | $ 1,360,000 | $ 340,000 | $ 42,000 |
| Longview, TX | 4 | $ 1,910,000 | $ 477,500 | $ 190,000 |
| Muskegon, MI | 4 | $ 1,100,000 | $ 275,000 | $ 366,000 |
| Napa, CA | 4 | $ 2,160,000 | $ 540,000 | $ 199,000 |
| Prescott Valley-Prescott, AZ | 4 | $ 1,100,000 | $ 275,000 | $ 22,000 |
| Punta Gorda, FL | 4 | $ 1,540,000 | $ 385,000 | $ 117,000 |
| Reading, PA | 4 | $ 1,290,000 | $ 322,500 | $ 158,000 |
| Rochester, MN | 4 | $ 1,030,000 | $ 257,500 | $ 96,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 4 | $ 1,700,000 | $ 425,000 | $ 183,000 |
| Valdosta, GA | 4 | $ 1,010,000 | $ 252,500 | $ 28,000 |
| Albany, OR | 3 | $ 1,045,000 | $ 348,333 | $ 23,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 1,025,000 | $ 341,666 | $ 82,000 |
| Bangor, ME | 3 | $ 1,195,000 | $ 398,333 | $ 193,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 1,205,000 | $ 401,666 | $ 161,000 |
| Canton-Massillon, OH | 3 | $ 895,000 | $ 298,333 | $ 45,000 |
| Green Bay, WI | 3 | $ 815,000 | $ 271,666 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 1,215,000 | $ 405,000 | $ 86,000 |
| Kingston, NY | 3 | $ 1,085,000 | $ 361,666 | $ 242,000 |
| La Crosse-Onalaska, WI-MN | 3 | $ 1,335,000 | $ 445,000 | $ 0 |
| Lake Charles, LA | 3 | $ 985,000 | $ 328,333 | $ 119,000 |
| Logan, UT-ID | 3 | $ 1,305,000 | $ 435,000 | $ 102,000 |
| Merced, CA | 3 | $ 1,075,000 | $ 358,333 | $ 52,000 |
| Midland, TX | 3 | $ 995,000 | $ 331,666 | $ 129,000 |
| Redding, CA | 3 | $ 1,145,000 | $ 381,666 | $ 200,000 |
| Rochester, NY | 3 | $ 825,000 | $ 275,000 | $ 182,000 |
| Terre Haute, IN | 3 | $ 1,055,000 | $ 351,666 | $ 100,000 |
| The Villages, FL | 3 | $ 975,000 | $ 325,000 | $ 90,000 |
| Twin Falls, ID | 3 | $ 1,285,000 | $ 428,333 | $ 79,000 |
| Watertown-Fort Drum, NY | 3 | $ 715,000 | $ 238,333 | $ 0 |
| Abilene, TX | 2 | $ 650,000 | $ 325,000 | $ 63,000 |
| Albany, GA | 2 | $ 450,000 | $ 225,000 | $ 126,000 |
| Appleton, WI | 2 | $ 630,000 | $ 315,000 | $ 57,000 |
| Auburn-Opelika, AL | 2 | $ 820,000 | $ 410,000 | $ 112,000 |
| Beaumont-Port Arthur, TX | 2 | $ 720,000 | $ 360,000 | $ 180,000 |
| Beckley, WV | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Bloomington, IN | 2 | $ 720,000 | $ 360,000 | $ 70,000 |
| Brunswick, GA | 2 | $ 540,000 | $ 270,000 | $ 117,000 |
| Cape Girardeau, MO-IL | 2 | $ 520,000 | $ 260,000 | $ 124,000 |
| Casper, WY | 2 | $ 780,000 | $ 390,000 | $ 158,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 570,000 | $ 285,000 | $ 189,000 |
| Chico, CA | 2 | $ 840,000 | $ 420,000 | $ 91,000 |
| Des Moines-West Des Moines, IA | 2 | $ 560,000 | $ 280,000 | $ 82,000 |
| Duluth, MN-WI | 2 | $ 420,000 | $ 210,000 | $ 99,000 |
| Erie, PA | 2 | $ 460,000 | $ 230,000 | $ 148,000 |
| Evansville, IN-KY | 2 | $ 600,000 | $ 300,000 | $ 228,000 |
| Florence, SC | 2 | $ 760,000 | $ 380,000 | $ 160,000 |
| Florence-Muscle Shoals, AL | 2 | $ 550,000 | $ 275,000 | $ 189,000 |
| Gettysburg, PA | 2 | $ 1,010,000 | $ 505,000 | $ 80,000 |
| Goldsboro, NC | 2 | $ 640,000 | $ 320,000 | $ 149,000 |
| Grand Island, NE | 2 | $ 650,000 | $ 325,000 | $ 0 |
| Hammond, LA | 2 | $ 550,000 | $ 275,000 | $ 112,000 |
| Hinesville, GA | 2 | $ 570,000 | $ 285,000 | $ 29,000 |
| Houma-Thibodaux, LA | 2 | $ 510,000 | $ 255,000 | $ 83,000 |
| Johnson City, TN | 2 | $ 680,000 | $ 340,000 | $ 74,000 |
| Kalamazoo-Portage, MI | 2 | $ 480,000 | $ 240,000 | $ 147,000 |
| Lansing-East Lansing, MI | 2 | $ 810,000 | $ 405,000 | $ 72,000 |
| Lewiston, ID-WA | 2 | $ 730,000 | $ 365,000 | $ 715,000 |
| Longview, WA | 2 | $ 540,000 | $ 270,000 | $ 47,000 |
| Monroe, MI | 2 | $ 580,000 | $ 290,000 | $ 41,000 |
| Niles-Benton Harbor, MI | 2 | $ 420,000 | $ 210,000 | $ 51,000 |
| Parkersburg-Vienna, WV | 2 | $ 650,000 | $ 325,000 | $ 124,000 |
| Peoria, IL | 2 | $ 410,000 | $ 205,000 | $ 235,000 |
| Sheboygan, WI | 2 | $ 510,000 | $ 255,000 | $ 117,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 440,000 | $ 220,000 | $ 32,000 |
| State College, PA | 2 | $ 1,340,000 | $ 670,000 | $ 150,000 |
| Staunton-Waynesboro, VA | 2 | $ 680,000 | $ 340,000 | $ 0 |
| Tuscaloosa, AL | 2 | $ 440,000 | $ 220,000 | $ 122,000 |
| Tyler, TX | 2 | $ 590,000 | $ 295,000 | $ 0 |
| Wheeling, WV-OH | 2 | $ 330,000 | $ 165,000 | $ 85,000 |
| Yuma, AZ | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Atlantic City-Hammonton, NJ | 1 | $ 355,000 | $ 355,000 | $ 209,000 |
| Battle Creek, MI | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Bloomsburg-Berwick, PA | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Burlington, NC | 1 | $ 345,000 | $ 345,000 | $ 78,000 |
| Carbondale-Marion, IL | 1 | $ 385,000 | $ 385,000 | $ 117,000 |
| Champaign-Urbana, IL | 1 | $ 265,000 | $ 265,000 | $ 166,000 |
| Charleston, WV | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| Cumberland, MD-WV | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Dalton, GA | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Decatur, AL | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Dothan, AL | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Eau Claire, WI | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| El Centro, CA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Farmington, NM | 1 | $ 385,000 | $ 385,000 | $ 131,000 |
| Fond Du Lac, WI | 1 | $ 295,000 | $ 295,000 | $ 192,000 |
| Fort Smith, AR-OK | 1 | $ 305,000 | $ 305,000 | $ 61,000 |
| Grants Pass, OR | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| Homosassa Springs, FL | 1 | $ 335,000 | $ 335,000 | $ 81,000 |
| Hot Springs, AR | 1 | $ 255,000 | $ 255,000 | $ 79,000 |
| Ithaca, NY | 1 | $ 185,000 | $ 185,000 | $ 104,000 |
| Jackson, MI | 1 | $ 245,000 | $ 245,000 | $ 70,000 |
| Jefferson City, MO | 1 | $ 165,000 | $ 165,000 | $ 85,000 |
| Lafayette-West Lafayette, IN | 1 | $ 195,000 | $ 195,000 | $ 127,000 |
| Macon-Bibb County, GA | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Morristown, TN | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Muncie, IN | 1 | $ 405,000 | $ 405,000 | $ 132,000 |
| Ocean City, NJ | 1 | $ 435,000 | $ 435,000 | $ 215,000 |
| Odessa, TX | 1 | $ 335,000 | $ 335,000 | $ 204,000 |
| Pittsfield, MA | 1 | $ 385,000 | $ 385,000 | $ 180,000 |
| Rocky Mount, NC | 1 | $ 155,000 | $ 155,000 | $ 139,000 |
| Saginaw, MI | 1 | $ 235,000 | $ 235,000 | $ 76,000 |
| San Angelo, TX | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 525,000 | $ 525,000 | $ 135,000 |
| Sherman-Denison, TX | 1 | $ 215,000 | $ 215,000 | $ 49,000 |
| Sioux City, IA-NE-SD | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Springfield, IL | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Springfield, OH | 1 | $ 285,000 | $ 285,000 | $ 271,000 |
| Syracuse, NY | 1 | $ 495,000 | $ 495,000 | $ 276,000 |
| Wausau, WI | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Wichita Falls, TX | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Williamsport, PA | 1 | $ 295,000 | $ 295,000 | $ 84,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 175,000 | $ 175,000 | $ 74,000 |
Mortgage Loan Application Detail Totals for BNC National Bank in 2020
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 | 9,370 | $3,536,450,000 | $377,000 | $1,525,000 | $126,000 | $2,664,000 |
| Cash-out Refinancing | 2,108 | $798,380,000 | $378,000 | $1,795,000 | $147,000 | $1,600,000 |
| Home Purchase | 1,981 | $569,265,000 | $287,000 | $1,865,000 | $110,000 | $1,230,000 |
| Other Purpose | 209 | $49,665,000 | $237,000 | $885,000 | $182,000 | $2,636,000 |
| Home Improvement | 108 | $25,540,000 | $236,000 | $995,000 | $158,000 | $1,747,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 8,169 | $2,856,165,000 | $349,000 | $1,865,000 | $126,000 | $2,636,000 |
| Not Provided | 3,018 | $1,194,980,000 | $395,000 | $1,525,000 | $140,000 | $2,664,000 |
| Asian | 974 | $401,990,000 | $412,000 | $1,505,000 | $156,000 | $1,440,000 |
| Hispanic | 858 | $269,160,000 | $313,000 | $1,525,000 | $94,000 | $550,000 |
| Black or African American | 590 | $202,420,000 | $343,000 | $1,155,000 | $105,000 | $2,023,000 |
| American Indian or Alaskan Native | 89 | $29,365,000 | $329,000 | $785,000 | $86,000 | $224,000 |
| Native Hawaiian or Other Pacific Islander | 37 | $12,595,000 | $340,000 | $695,000 | $93,000 | $264,000 |
| Not applicable | 14 | $2,150,000 | $153,000 | $375,000 | $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) | 8,699 | $3,144,675,000 | $361,000 | $1,525,000 | $160,000 | $2,664,000 |
| VA-guaranteed (Veterans Administration) | 4,512 | $1,724,990,000 | $382,000 | $1,865,000 | $58,000 | $2,117,000 |
| FHA-insured (Federal Housing Administration) | 430 | $91,900,000 | $213,000 | $775,000 | $70,000 | $336,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 135 | $17,735,000 | $131,000 | $415,000 | $46,000 | $99,000 |
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 | 8,389 | $2,952,925,000 | $351,000 | $1,865,000 | $116,000 | $2,636,000 |
| Application Withdrawn By Applicant | 3,820 | $1,445,180,000 | $378,000 | $1,525,000 | $148,000 | $2,664,000 |
| Application Denied By Financial Institution | 1,564 | $580,670,000 | $371,000 | $1,295,000 | $141,000 | $2,117,000 |
| Loan Purchased By The Institution | 3 | $525,000 | $175,000 | $305,000 | $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 | 12,212 | $4,398,630,000 | $360,000 | $1,865,000 | $127,000 | $2,664,000 |
| Credit Application Incomplete | 955 | $366,655,000 | $383,000 | $1,135,000 | $158,000 | $2,117,000 |
| Credit History | 163 | $50,445,000 | $309,000 | $895,000 | $114,000 | $1,465,000 |
| Debt-To-Income Ratio | 140 | $52,000,000 | $371,000 | $1,205,000 | $94,000 | $451,000 |
| Other | 115 | $40,265,000 | $350,000 | $1,165,000 | $117,000 | $527,000 |
| Collateral | 81 | $30,075,000 | $371,000 | $1,085,000 | $138,000 | $411,000 |
| Unverifiable Information | 45 | $18,215,000 | $404,000 | $1,135,000 | $135,000 | $481,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 45 | $15,715,000 | $349,000 | $1,295,000 | $109,000 | $299,000 |
| Employment History | 20 | $7,300,000 | $365,000 | $755,000 | $143,000 | $400,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BNC National Bank's 2020 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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