Bnc National Bank Mortgage Rates, Fees & Info

Glendale, AZ

LEI: 549300LH06ZZHKPX5U83

Tax ID: 86-1024756

5 stars - out of 5 stars, based on 92 reviews

2020 Data | 2019 Data | 2018 Data


Overview

Bnc National Bank is a small bank specializing in Refi loans. Bnc National Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Washington, Seattle, Kansas City, Los Angeles, and Denver among others. They have an average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Bnc National Bank is typically an average fee lendor.


Originations

8,389

Origination Dollar Volume (All Markets)

$2,952,925,000

Employee count

314 Show all (197) awards

Relative Rate

Bnc National Bank's average 30 year fixed rate mortgage of loans were 2.92%.

The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.

This yields a difference of -0.44%.

Relative Fees

Bnc National Bank's average total fees for a 30 year fixed rate mortgage are $3,654.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) 500 $228,000,000 $456,000 $3,275 2.83%
Outside of Metro Areas 661 $157,675,000 $238,540 $3,558 3.08%
SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) 261 $120,975,000 $463,506 $3,773 3.02%
KANSAS CITY, MO-KS (FHA|USDA|VA) 479 $109,555,000 $228,716 $3,054 3.02%
LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) 179 $86,495,000 $483,212 $3,524 2.94%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 199 $82,335,000 $413,744 $3,266 2.96%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 156 $75,400,000 $483,333 $3,893 2.90%
WICHITA, KS (FHA|USDA|VA) 338 $67,910,000 $200,917 $3,994 3.02%
BISMARCK, ND (FHA|USDA|VA) 301 $67,735,000 $225,033 $3,243 3.36%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 180 $63,330,000 $351,833 $3,507 2.96%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 154 $61,790,000 $401,234 $4,442 2.94%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 147 $58,685,000 $399,218 $2,745 2.71%
OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) 116 $57,410,000 $494,914 $3,199 2.95%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 129 $44,665,000 $346,240 $3,423 2.88%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 125 $42,855,000 $342,840 $2,541 2.68%
ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) 84 $40,330,000 $480,119 $3,503 3.05%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 112 $40,130,000 $358,304 $3,132 2.85%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 99 $38,785,000 $391,768 $3,094 2.85%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 126 $37,430,000 $297,063 $3,512 3.26%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 88 $35,370,000 $401,932 $3,020 2.90%
DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) 96 $34,930,000 $363,854 $3,915 2.86%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD (FHA|USDA|VA) 77 $33,985,000 $441,364 $3,777 2.83%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 59 $31,715,000 $537,542 $5,197 3.12%
COLORADO SPRINGS, CO (FHA|USDA|VA) 86 $31,370,000 $364,767 $3,736 2.72%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 81 $31,115,000 $384,136 $3,018 2.96%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 87 $30,465,000 $350,172 $3,363 2.92%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA (FHA|USDA|VA) 68 $29,670,000 $436,324 $3,801 2.96%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 81 $29,335,000 $362,160 $4,227 2.88%
SALT LAKE CITY, UT (FHA|USDA|VA) 69 $28,125,000 $407,609 $3,334 2.93%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) 62 $27,020,000 $435,806 $5,266 2.91%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ (FHA|USDA|VA) 59 $25,585,000 $433,644 $4,325 3.16%
JACKSONVILLE, FL (FHA|USDA|VA) 71 $25,525,000 $359,507 $4,796 2.78%
BOSTON, MA (FHA|USDA|VA) 53 $23,895,000 $450,849 $3,644 2.92%
TACOMA-LAKEWOOD, WA (FHA|USDA|VA) 58 $23,820,000 $410,690 $3,467 2.95%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) 41 $23,675,000 $577,439 $3,675 3.05%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 53 $20,695,000 $390,472 $4,163 2.96%
NEW BRUNSWICK-LAKEWOOD, NJ (FHA|USDA|VA) 54 $20,600,000 $381,481 $3,554 2.95%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 55 $20,485,000 $372,455 $3,479 2.73%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 52 $19,540,000 $375,769 $3,214 2.74%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 118 $18,820,000 $159,492 $3,677 3.00%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 51 $18,465,000 $362,059 $4,890 2.76%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 54 $17,870,000 $330,926 $3,915 2.76%
RALEIGH-CARY, NC (FHA|USDA|VA) 45 $15,585,000 $346,333 $3,288 2.89%
NEWARK, NJ-PA (FHA|USDA|VA) 35 $15,505,000 $443,000 $4,057 2.91%
PHILADELPHIA, PA (FHA|USDA|VA) 40 $15,410,000 $385,250 $4,552 2.93%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 33 $15,135,000 $458,636 $3,408 2.94%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) 37 $14,485,000 $391,486 $4,440 2.94%
PROVO-OREM, UT (FHA|USDA|VA) 36 $14,200,000 $394,444 $2,579 2.92%
RICHMOND, VA (FHA|USDA|VA) 41 $13,995,000 $341,341 $3,369 2.77%
RENO, NV (FHA|USDA|VA) 35 $13,375,000 $382,143 $3,011 3.11%
WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) 42 $13,200,000 $314,286 $3,254 2.89%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 33 $12,805,000 $388,030 $3,067 2.86%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 31 $12,775,000 $412,097 $3,915 2.71%
COLUMBUS, OH (FHA|USDA|VA) 32 $11,740,000 $366,875 $3,650 2.94%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 29 $11,505,000 $396,724 $4,288 2.95%
FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) 30 $11,370,000 $379,000 $3,590 2.88%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 30 $10,710,000 $357,000 $2,009 2.73%
OKLAHOMA CITY, OK (FHA|USDA|VA) 35 $10,565,000 $301,857 $4,262 2.90%
BOULDER, CO (FHA|USDA|VA) 25 $10,435,000 $417,400 $2,706 2.94%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) 27 $10,425,000 $386,111 $4,218 2.94%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH (FHA|USDA|VA) 26 $10,420,000 $400,769 $3,288 2.78%
HUNTSVILLE, AL (FHA|USDA|VA) 30 $10,280,000 $342,667 $3,359 2.66%
BOISE CITY, ID (FHA|USDA|VA) 28 $10,240,000 $365,714 $4,001 2.81%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 24 $10,150,000 $422,917 $2,932 2.93%
GREELEY, CO (FHA|USDA|VA) 26 $9,670,000 $371,923 $3,295 2.88%
WORCESTER, MA-CT (FHA|USDA|VA) 25 $8,905,000 $356,200 $4,239 2.69%
NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) 19 $8,825,000 $464,474 $6,198 2.74%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 23 $8,495,000 $369,348 $3,430 2.88%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 24 $8,370,000 $348,750 $3,837 2.76%
SALINAS, CA (FHA|USDA|VA) 14 $8,200,000 $585,714 $5,692 3.02%
VALLEJO, CA (FHA|USDA|VA) 18 $8,080,000 $448,889 $2,475 2.76%
CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) 25 $8,045,000 $321,800 $3,361 2.75%
MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) 19 $8,035,000 $422,895 $6,294 3.01%
PITTSBURGH, PA (FHA|USDA|VA) 20 $7,860,000 $393,000 $7,292 2.91%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 21 $7,835,000 $373,095 $3,211 2.77%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 25 $7,825,000 $313,000 $3,115 2.89%
ALBUQUERQUE, NM (FHA|USDA|VA) 23 $7,775,000 $338,043 $4,163 2.76%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 20 $7,680,000 $384,000 $4,061 2.96%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 21 $7,415,000 $353,095 $4,671 2.73%
NASSAU COUNTY-SUFFOLK COUNTY, NY (FHA|USDA|VA) 16 $7,320,000 $457,500 $5,778 2.95%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 26 $7,260,000 $279,231 $3,617 2.76%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 21 $7,185,000 $342,143 $3,484 2.92%
ST. LOUIS, MO-IL (FHA|USDA|VA) 27 $7,165,000 $265,370 $3,898 2.69%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 21 $7,155,000 $340,714 $2,833 2.84%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 16 $6,930,000 $433,125 $3,513 2.78%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 20 $6,890,000 $344,500 $2,645 2.76%
SAN RAFAEL, CA (FHA|USDA|VA) 12 $6,570,000 $547,500 $3,176 2.95%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 14 $6,500,000 $464,286 $2,870 2.93%
FORT COLLINS, CO (FHA|USDA|VA) 16 $6,320,000 $395,000 $2,974 2.82%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 19 $6,215,000 $327,105 $1,978 2.67%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 17 $6,165,000 $362,647 $3,793 2.80%
FRESNO, CA (FHA|USDA|VA) 17 $6,005,000 $353,235 $3,228 2.71%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 17 $5,975,000 $351,471 $2,803 2.80%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 18 $5,970,000 $331,667 $2,650 3.00%
TUCSON, AZ (FHA|USDA|VA) 17 $5,935,000 $349,118 $2,965 2.80%
STOCKTON, CA (FHA|USDA|VA) 16 $5,890,000 $368,125 $2,196 3.08%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 11 $5,845,000 $531,364 $3,287 2.76%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 16 $5,750,000 $359,375 $2,571 2.68%
SAVANNAH, GA (FHA|USDA|VA) 16 $5,720,000 $357,500 $2,277 2.77%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 17 $5,675,000 $333,824 $3,823 2.88%
DETROIT-DEARBORN-LIVONIA, MI (FHA|USDA|VA) 23 $5,635,000 $245,000 $3,037 2.99%
FAYETTEVILLE, NC (FHA|USDA|VA) 22 $5,540,000 $251,818 $4,208 2.63%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 15 $5,455,000 $363,667 $3,668 2.93%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 16 $5,370,000 $335,625 $2,441 2.60%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 14 $5,360,000 $382,857 $3,760 2.77%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 12 $5,020,000 $418,333 $5,059 2.85%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 15 $4,815,000 $321,000 $3,468 3.17%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 10 $4,700,000 $470,000 $2,527 3.11%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 11 $4,685,000 $425,909 $3,297 3.01%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 11 $4,665,000 $424,091 $4,348 2.59%
TULSA, OK (FHA|USDA|VA) 14 $4,640,000 $331,429 $3,153 2.65%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 15 $4,525,000 $301,667 $3,864 2.79%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 12 $4,520,000 $376,667 $4,744 3.00%
BAKERSFIELD, CA (FHA|USDA|VA) 13 $4,365,000 $335,769 $3,745 3.10%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 12 $4,320,000 $360,000 $4,159 2.89%
COLUMBIA, SC (FHA|USDA|VA) 12 $4,230,000 $352,500 $2,598 2.56%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 12 $4,140,000 $345,000 $2,200 2.68%
SALEM, OR (FHA|USDA|VA) 13 $4,125,000 $317,308 $4,168 3.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 13 $4,115,000 $316,538 $3,942 2.83%
DAYTON-KETTERING, OH (FHA|USDA|VA) 13 $4,075,000 $313,462 $2,929 2.70%
SALISBURY, MD-DE (FHA|USDA|VA) 12 $4,050,000 $337,500 $5,178 2.99%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 11 $4,005,000 $364,091 $2,012 2.74%
COEUR D'ALENE, ID (FHA|USDA|VA) 12 $4,000,000 $333,333 $4,447 2.83%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 11 $3,895,000 $354,091 $3,679 2.63%
BELLINGHAM, WA (FHA|USDA|VA) 10 $3,790,000 $379,000 $3,276 2.86%
CAMDEN, NJ (FHA|USDA|VA) 12 $3,740,000 $311,667 $3,675 2.81%
WILMINGTON, NC (FHA|USDA|VA) 11 $3,715,000 $337,727 $4,555 2.67%
PORT ST. LUCIE, FL (FHA|USDA|VA) 11 $3,715,000 $337,727 $3,245 2.92%
AKRON, OH (FHA|USDA|VA) 13 $3,635,000 $279,615 $4,674 3.00%
WILMINGTON, DE-MD-NJ (FHA|USDA|VA) 10 $3,620,000 $362,000 $3,825 2.74%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 10 $3,610,000 $361,000 $4,066 2.73%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 10 $3,550,000 $355,000 $2,549 2.88%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 9 $3,545,000 $393,889 $3,690 2.65%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 8 $3,460,000 $432,500 $5,409 2.69%
COLUMBUS, GA-AL (FHA|USDA|VA) 10 $3,450,000 $345,000 $2,945 2.84%
KNOXVILLE, TN (FHA|USDA|VA) 10 $3,420,000 $342,000 $2,192 2.65%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 9 $3,385,000 $376,111 $5,074 2.76%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 10 $3,340,000 $334,000 $4,266 2.93%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 11 $3,335,000 $303,182 $3,924 2.84%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 9 $3,285,000 $365,000 $1,956 2.57%
WINCHESTER, VA-WV (FHA|USDA|VA) 9 $3,225,000 $358,333 $2,579 2.60%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 10 $3,190,000 $319,000 $4,783 2.83%
MADISON, WI (FHA|USDA|VA) 8 $3,080,000 $385,000 $3,021 2.61%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 12 $3,060,000 $255,000 $2,446 2.97%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 8 $3,030,000 $378,750 $3,129 2.73%
TOPEKA, KS (FHA|USDA|VA) 12 $3,020,000 $251,667 $3,919 2.96%
ASHEVILLE, NC (FHA|USDA|VA) 8 $2,870,000 $358,750 $3,952 3.00%
BEND, OR (FHA|USDA|VA) 6 $2,780,000 $463,333 $4,711 3.13%
CHEYENNE, WY (FHA|USDA|VA) 8 $2,730,000 $341,250 $5,013 2.56%
SPRINGFIELD, MO (FHA|USDA|VA) 14 $2,670,000 $190,714 $2,904 2.95%
LAKE COUNTY-KENOSHA COUNTY, IL-WI (FHA|USDA|VA) 8 $2,500,000 $312,500 $2,498 2.81%
FARGO, ND-MN (FHA|USDA|VA) 12 $2,470,000 $205,833 $2,348 3.73%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 8 $2,460,000 $307,500 $4,812 2.91%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 6 $2,450,000 $408,333 $2,550 3.15%
CORVALLIS, OR (FHA|USDA|VA) 7 $2,445,000 $349,286 $6,051 3.04%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 8 $2,440,000 $305,000 $2,781 2.55%
CORPUS CHRISTI, TX (FHA|USDA|VA) 7 $2,295,000 $327,857 $3,455 2.84%
LINCOLN, NE (FHA|USDA|VA) 6 $2,160,000 $360,000 $2,045 2.75%
MOBILE, AL (FHA|USDA|VA) 6 $2,140,000 $356,667 $7,435 2.63%
BATON ROUGE, LA (FHA|USDA|VA) 8 $2,130,000 $266,250 $4,358 2.67%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 5 $2,125,000 $425,000 $4,314 2.80%
GAINESVILLE, GA (FHA|USDA|VA) 5 $2,105,000 $421,000 $2,867 3.05%
WARNER ROBINS, GA (FHA|USDA|VA) 10 $2,100,000 $210,000 $3,438 2.74%
PUEBLO, CO (FHA|USDA|VA) 7 $2,025,000 $289,286 $2,210 2.71%
LAS CRUCES, NM (FHA|USDA|VA) 7 $2,025,000 $289,286 $3,919 2.95%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 6 $1,970,000 $328,333 $2,577 2.71%
GAINESVILLE, FL (FHA|USDA|VA) 5 $1,865,000 $373,000 $3,504 2.70%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 6 $1,780,000 $296,667 $2,500 3.08%
SPRINGFIELD, MA (FHA|USDA|VA) 5 $1,775,000 $355,000 $2,505 2.45%
YORK-HANOVER, PA (FHA|USDA|VA) 5 $1,675,000 $335,000 $4,045 2.83%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 17 $1,635,000 $96,176 $3,133 3.32%
ROANOKE, VA (FHA|USDA|VA) 4 $1,620,000 $405,000 $3,256 2.84%
EL PASO, TX (FHA|USDA|VA) 4 $1,610,000 $402,500 $7,177 2.66%
JACKSON, MS (FHA|USDA|VA) 6 $1,560,000 $260,000 $3,848 2.94%
OCALA, FL (FHA|USDA|VA) 4 $1,550,000 $387,500 $4,751 3.00%
MODESTO, CA (FHA|USDA|VA) 5 $1,535,000 $307,000 $1,965 2.83%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 6 $1,510,000 $251,667 $3,646 3.02%
PANAMA CITY, FL (FHA|USDA|VA) 5 $1,495,000 $299,000 $3,743 2.75%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 4 $1,450,000 $362,500 $3,285 3.00%
JACKSONVILLE, NC (FHA|USDA|VA) 6 $1,440,000 $240,000 $1,700 2.67%
VISALIA, CA (FHA|USDA|VA) 4 $1,440,000 $360,000 $2,609 2.94%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 4 $1,420,000 $355,000 $3,355 2.59%
GARY, IN (FHA|USDA|VA) 4 $1,390,000 $347,500 $4,421 2.50%
COLUMBIA, MO (FHA|USDA|VA) 6 $1,380,000 $230,000 $2,825 2.96%
BILLINGS, MT (FHA|USDA|VA) 4 $1,370,000 $342,500 $2,303 2.53%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $1,350,000 $337,500 $3,158 2.78%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $1,350,000 $337,500 $2,591 2.84%
GREENVILLE, NC (FHA|USDA|VA) 4 $1,310,000 $327,500 $6,445 2.59%
ST. GEORGE, UT (FHA|USDA|VA) 4 $1,220,000 $305,000 $5,057 2.69%
NEW BERN, NC (FHA|USDA|VA) 4 $1,210,000 $302,500 $2,738 2.66%
YUBA CITY, CA (FHA|USDA|VA) 4 $1,210,000 $302,500 $2,744 2.75%
BANGOR, ME (FHA|USDA|VA) 3 $1,195,000 $398,333 $2,588 2.88%
SANTA FE, NM (FHA|USDA|VA) 4 $1,190,000 $297,500 $4,060 3.19%
MISSOULA, MT (FHA|USDA|VA) 4 $1,170,000 $292,500 $3,240 3.28%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $1,160,000 $290,000 $2,871 3.25%
TOLEDO, OH (FHA|USDA|VA) 3 $1,155,000 $385,000 $5,404 2.96%
MONTGOMERY, AL (FHA|USDA|VA) 4 $1,150,000 $287,500 $2,291 2.66%
MEDFORD, OR (FHA|USDA|VA) 3 $1,135,000 $378,333 $2,794 2.79%
SUMTER, SC (FHA|USDA|VA) 4 $1,120,000 $280,000 $4,626 2.25%
GRAND JUNCTION, CO (FHA|USDA|VA) 5 $1,115,000 $223,000 $2,621 2.73%
KINGSTON, NY (FHA|USDA|VA) 3 $1,085,000 $361,667 $3,034 3.29%
WENATCHEE, WA (FHA|USDA|VA) 3 $1,075,000 $358,333 $3,131 3.29%
TERRE HAUTE, IN (FHA|USDA|VA) 3 $1,055,000 $351,667 $2,661 2.67%
MANHATTAN, KS (FHA|USDA|VA) 5 $1,045,000 $209,000 $2,867 2.88%
ROCHESTER, MN (FHA|USDA|VA) 4 $1,030,000 $257,500 $4,852 2.94%
IDAHO FALLS, ID (FHA|USDA|VA) 3 $1,025,000 $341,667 $5,968 2.63%
ANN ARBOR, MI (FHA|USDA|VA) 3 $1,015,000 $338,333 $2,359 3.54%
GETTYSBURG, PA (FHA|USDA|VA) 2 $1,010,000 $505,000 $6,132 2.81%
RAPID CITY, SD (FHA|USDA|VA) 3 $1,005,000 $335,000 $2,637 2.54%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 3 $985,000 $328,333 $2,927 2.50%
TWIN FALLS, ID (FHA|USDA|VA) 2 $980,000 $490,000 $4,555 3.44%
THE VILLAGES, FL (FHA|USDA|VA) 3 $975,000 $325,000 $3,019 2.92%
EAST STROUDSBURG, PA (FHA|USDA|VA) 4 $970,000 $242,500 $5,425 2.88%
GREAT FALLS, MT (FHA|USDA|VA) 3 $965,000 $321,667 $1,731 3.38%
MUSKEGON, MI (FHA|USDA|VA) 3 $925,000 $308,333 $2,136 3.04%
LAWRENCE, KS (FHA|USDA|VA) 4 $900,000 $225,000 $3,156 3.59%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $895,000 $298,333 $5,356 2.71%
FORT WAYNE, IN (FHA|USDA|VA) 3 $875,000 $291,667 $2,285 2.92%
WACO, TX (FHA|USDA|VA) 3 $865,000 $288,333 $3,987 2.71%
CHICO, CA (FHA|USDA|VA) 2 $840,000 $420,000 $2,665 3.06%
BOWLING GREEN, KY (FHA|USDA|VA) 3 $825,000 $275,000 $7,378 2.75%
LOGAN, UT-ID (FHA|USDA|VA) 2 $820,000 $410,000 $1,617 2.81%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $820,000 $410,000 $2,431 3.00%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $820,000 $410,000 $3,914 2.81%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $810,000 $405,000 $3,801 3.25%
MERCED, CA (FHA|USDA|VA) 2 $800,000 $400,000 $2,477 2.56%
LANCASTER, PA (FHA|USDA|VA) 3 $795,000 $265,000 $7,071 2.50%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 2 $790,000 $395,000 $2,999 2.63%
CASPER, WY (FHA|USDA|VA) 2 $780,000 $390,000 $3,691 2.75%
VALDOSTA, GA (FHA|USDA|VA) 3 $765,000 $255,000 $3,922 2.79%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $725,000 $241,667 $1,972 3.00%
LYNCHBURG, VA (FHA|USDA|VA) 3 $725,000 $241,667 $4,150 2.79%
DOVER, DE (FHA|USDA|VA) 3 $705,000 $235,000 $3,294 2.63%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $680,000 $340,000 $1,756 2.94%
JOHNSON CITY, TN (FHA|USDA|VA) 2 $680,000 $340,000 $1,541 2.81%
GREEN BAY, WI (FHA|USDA|VA) 2 $670,000 $335,000 $991 2.56%
SPARTANBURG, SC (FHA|USDA|VA) 3 $655,000 $218,333 $6,443 3.38%
GRAND ISLAND, NE (FHA|USDA|VA) 2 $650,000 $325,000 $2,230 2.56%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $650,000 $325,000 $5,790 2.56%
ABILENE, TX (FHA|USDA|VA) 2 $650,000 $325,000 $3,511 3.13%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $640,000 $320,000 $2,785 2.63%
JOPLIN, MO (FHA|USDA|VA) 4 $630,000 $157,500 $2,303 3.19%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $595,000 $595,000 $2,355 2.75%
TYLER, TX (FHA|USDA|VA) 2 $590,000 $295,000 $2,626 2.75%
MONROE, MI (FHA|USDA|VA) 2 $580,000 $290,000 $1,494 2.50%
MORGANTOWN, WV (FHA|USDA|VA) 2 $570,000 $285,000 $2,540 2.81%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 2 $560,000 $280,000 $2,008 2.38%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 2 $550,000 $275,000 $5,310 2.44%
HAMMOND, LA (FHA|USDA|VA) 2 $550,000 $275,000 $5,799 3.25%
MADERA, CA (FHA|USDA|VA) 2 $540,000 $270,000 $2,733 3.00%
SEBASTIAN-VERO BEACH, FL (FHA|USDA|VA) 1 $525,000 $525,000 $24,636 2.75%
READING, PA (FHA|USDA|VA) 2 $510,000 $255,000 $6,275 2.81%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 2 $510,000 $255,000 $7,250 3.06%
FLINT, MI (FHA|USDA|VA) 2 $500,000 $250,000 $1,743 2.69%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 2 $500,000 $250,000 $2,996 2.31%
YUMA, AZ (FHA|USDA|VA) 2 $500,000 $250,000 $1,166 2.50%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $495,000 $495,000 $3,859 2.63%
REDDING, CA (FHA|USDA|VA) 1 $485,000 $485,000 $1,088 2.25%
LAFAYETTE, LA (FHA|USDA|VA) 2 $470,000 $235,000 $2,318 3.00%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $455,000 $455,000 $2,000 3.25%
TUSCALOOSA, AL (FHA|USDA|VA) 2 $440,000 $220,000 $4,845 3.19%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $435,000 $435,000 $3,424 3.00%
GOLDSBORO, NC (FHA|USDA|VA) 1 $435,000 $435,000 $3,825 2.88%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $425,000 $425,000 $1,061 2.75%
LONGVIEW, TX (FHA|USDA|VA) 1 $425,000 $425,000 $4,256 3.50%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $415,000 $415,000 $1,135 3.00%
BECKLEY, WV (FHA|USDA|VA) 2 $410,000 $205,000 $1,041 2.88%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $405,000 $405,000 $2,918 2.25%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $385,000 $385,000 $1,536 2.25%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $375,000 $375,000 $1,230 2.25%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $375,000 $375,000 $3,472 2.75%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $360,000 $180,000 $1,716 2.75%
MORRISTOWN, TN (FHA|USDA|VA) 1 $355,000 $355,000 $2,792 2.50%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $355,000 $355,000 $5,385 2.50%
ELGIN, IL (FHA|USDA|VA) 1 $345,000 $345,000 $2,322 3.00%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $345,000 $345,000 $1,230 2.50%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $335,000 $335,000 $10,164 2.25%
DALTON, GA (FHA|USDA|VA) 1 $335,000 $335,000 $1,216 2.38%
BRUNSWICK, GA (FHA|USDA|VA) 1 $335,000 $335,000 $2,948 2.25%
ODESSA, TX (FHA|USDA|VA) 1 $335,000 $335,000 $3,800 3.13%
APPLETON, WI (FHA|USDA|VA) 1 $335,000 $335,000 $1,113 2.25%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $335,000 $335,000 $3,333 2.88%
RACINE, WI (FHA|USDA|VA) 1 $325,000 $325,000 $983 2.50%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $325,000 $325,000 $8,359 3.50%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $315,000 $315,000 $4,572 2.25%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $295,000 $295,000 $4,111 2.75%
HINESVILLE, GA (FHA|USDA|VA) 1 $285,000 $285,000 $2,330 3.00%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $265,000 $265,000 $2,473 2.75%
DOTHAN, AL (FHA|USDA|VA) 1 $265,000 $265,000 $1,027 3.25%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $2,311 2.75%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $255,000 $255,000 $1,225 2.50%
EL CENTRO, CA (FHA|USDA|VA) 1 $255,000 $255,000 $922 3.00%
SAN ANGELO, TX (FHA|USDA|VA) 1 $245,000 $245,000 $2,531 2.88%
STAUNTON, VA (FHA|USDA|VA) 1 $245,000 $245,000 $836 2.50%
WHEELING, WV-OH (FHA|USDA|VA) 1 $235,000 $235,000 $7,422 2.75%
SAGINAW, MI (FHA|USDA|VA) 1 $235,000 $235,000 $7,988 4.13%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $215,000 $215,000 $6,265 4.63%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $215,000 $215,000 $3,096 2.25%
DULUTH, MN-WI (FHA|USDA|VA) 1 $205,000 $205,000 $1,827 2.75%
ERIE, PA (FHA|USDA|VA) 1 $195,000 $195,000 $4,070 3.50%
DECATUR, AL (FHA|USDA|VA) 1 $195,000 $195,000 $3,940 3.00%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $185,000 $185,000 $7,468 2.75%
ITHACA, NY (FHA|USDA|VA) 1 $185,000 $185,000 $4,709 3.75%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $175,000 $175,000 $1,740 3.75%
PEORIA, IL (FHA|USDA|VA) 1 $175,000 $175,000 $2,594 4.13%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $175,000 $175,000 $9,172 2.75%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $165,000 $165,000 $5,330 3.63%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $155,000 $155,000 $3,115 4.00%
NILES, MI (FHA|USDA|VA) 1 $155,000 $155,000 $1,908 3.75%
CHARLESTON, WV (FHA|USDA|VA) 1 $135,000 $135,000 $2,587 3.75%

Bnc National Bank's top markets include Washington, Seattle, Kansas City, Los Angeles, and Denver among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 4,948 $1,703,110,000 $344,202 $3,209 3.13%
VA 3,095 $1,187,155,000 $383,572 $3,853 2.59%
FHA 241 $48,735,000 $202,220 $6,637 3.10%
USDA 105 $13,925,000 $132,619 $3,854 3.20%

For the 2020 period, Bnc National Bank's most frequently originated loan type of loans were Conventional, with 4,948 originations. Their 2nd most popular type is VA, with 3,095 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 5,476 $2,036,230,000 $371,846 $2,877 2.83%
Cash Out Refi 1,401 $529,305,000 $377,805 $4,895 3.06%
Home Purchase 1,344 $361,120,000 $268,690 $5,013 3.08%
Other 112 $15,410,000 $137,589 $634 3.96%
Home Improvement 56 $10,860,000 $193,929 $3,052 3.75%

For the 2020, Bnc National Bank's most frequently cited loan purpose of loans were Refi, with 5,476 originations. The 2nd most popular reason of loans were Cash Out Refi, with 1,401 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 7,264 $2,622,580,000 $361,038 $3,654 2.92%
15 Year 570 $176,620,000 $309,860 $3,006 2.72%
20 Year 264 $95,140,000 $360,379 $2,988 3.05%
Other 136 $36,380,000 $267,500 $2,178 3.25%
5 Year 102 $12,450,000 $122,059 $382 3.88%
10 Year 49 $9,285,000 $189,490 $2,378 3.30%
1 Year 2 $60,000 $30,000 $627 5.00%
3 Year 2 $410,000 $205,000 $362 4.88%

For the 2020, Bnc National Bank's most frequently cited loan length of loans were 30 Year, with 7,264 originations. The 2nd most popular length of loans were 15 Year, with 570 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 4,399 $1,519,905,000 $345,511
$<1k 3,039 $1,115,825,000 $367,168
$2k-3k 411 $139,495,000 $339,404
$3k-4k 235 $92,705,000 $394,489
$5k+ 134 $63,560,000 $474,328

$3,654 of loans were Bnc National Bank's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 4,399 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 3,320 $1,182,630,000 $356,214
3-4% 2,804 $941,910,000 $335,917
<2.5% 2,081 $793,095,000 $381,112
4-5% 166 $32,490,000 $195,723
5-6% 18 $2,800,000 $155,556

During 2020, Bnc National Bank's average interest rate of loans were 2.92%, while their most frequently originated rate bucket of loans were 2.5-3%, with 3,320 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 4,017 $1,245,815,000 $310,136 $3,357 2.86%
$400k-600k 2,685 $1,246,825,000 $464,367 $3,599 2.88%
$100k-200k 984 $149,060,000 $151,484 $3,186 3.16%
$600k-1MM 357 $257,765,000 $722,031 $6,294 2.93%
$100,000 or less 321 $22,585,000 $70,358 $2,615 3.57%
$1MM+ 25 $30,875,000 $1,235,000 $16,396 2.53%

2020 saw Bnc National Bank place emphasis on $200k-400k loans with 4,017 originations, totaling $1,245,815,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 1,888 $593,330,000 $314,264 $2,758 2.66%
$100k-150k 1,825 $660,015,000 $361,652 $3,886 3.05%
$150k-250k 1,658 $689,630,000 $415,941 $3,908 3.06%
$75k-100k 849 $260,245,000 $306,531 $3,982 3.07%
$50k-75k 699 $158,135,000 $226,230 $4,094 3.07%
$250k+ 542 $248,190,000 $457,915 $4,638 3.08%

Bnc National Bank lent most frequently to those with incomes in the $50k or less range, with 1,888 originations. The second most popular income band? $100k-150k, with 1,825 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,642 $574,170,000 $349,677 $3,529 3.05%
30-36% 1,160 $405,380,000 $349,466 $3,707 3.09%
<20% 651 $217,475,000 $334,063 $3,219 3.01%
36% 224 $72,200,000 $322,321 $4,096 3.12%
37% 201 $69,725,000 $346,891 $4,030 3.16%
44% 201 $65,585,000 $326,294 $4,256 3.16%
40% 200 $67,080,000 $335,400 $4,026 3.09%
39% 198 $66,880,000 $337,778 $4,211 3.09%
41% 198 $68,210,000 $344,495 $4,031 3.15%
50-60% 192 $66,580,000 $346,771 $7,467 2.89%
38% 190 $61,370,000 $323,000 $3,649 3.16%
43% 189 $60,195,000 $318,492 $3,914 3.16%
42% 185 $64,905,000 $350,838 $4,349 3.08%
49% 138 $47,420,000 $343,623 $4,066 3.13%
45% 122 $42,300,000 $346,721 $4,721 3.10%
47% 121 $44,205,000 $365,331 $5,448 3.00%
46% 119 $41,665,000 $350,126 $5,098 3.02%
48% 119 $41,965,000 $352,647 $4,710 3.16%
>60% 34 $11,620,000 $341,765 $5,124 2.81%

Bnc National Bank lent most frequently to those with DTI ratios of 20-30%, with 1,642 originations. The next most common DTI ratio? 30-36%, with 1,160 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 5,790 $1,954,880,000 $337,630 $3,618 2.94%
Not provided 1,705 $668,195,000 $391,903 $3,392 2.91%
Asian 475 $192,565,000 $405,400 $3,486 2.95%
Black 310 $103,790,000 $334,806 $3,443 2.82%
American Indian 73 $23,595,000 $323,219 $3,552 2.84%
Native Hawaiian 15 $5,395,000 $359,667 $3,998 2.87%
Not applicable 11 $1,625,000 $147,727 $0 4.02%
Asian Indian 7 $1,215,000 $173,571 $2,919 3.14%
Filipino 2 $1,130,000 $565,000 $2,273 2.69%
Other Asian 1 $535,000 $535,000 $12,474 2.50%

Approval Rates

Total approvals of all applications
88.77%

Bnc National Bank has an average approval rate.

Pick Rate

Approvals leading to origination
50.38%

Bnc National Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
NA 8,389 $2,952,925,000 $352,000

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 11 $1,085,000 $98,636
Single Family (1-4 Units):Site-Built 8,378 $2,951,840,000 $352,332

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 237 $71,015,000 $299,641 $3,268 3.17%
40-60% 1,122 $412,840,000 $367,950 $3,142 2.98%
60-80% 2,758 $1,008,500,000 $365,664 $3,445 3.09%
80-100% 3,486 $1,184,770,000 $339,865 $3,775 2.82%
Over 100% 217 $81,225,000 $374,309 $6,633 2.68%
Under 20% 77 $8,315,000 $107,987 $1,540 3.95%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Bnc National Bank 104 North Broadway Linton, ND 58552 Full Service B&M $67,223
Bnc National Bank 1144 College Drive Bismarck, ND 58501 Limited, Mobile/Seasonal Office $0
Bnc National Bank 116 N 4th Street Bismarck, ND 58501 Limited, Trust Office $0
Bnc National Bank 20175 North 67th Avenue Glendale, AZ 85308 Full Service B&M $186,363
Bnc National Bank 205 North Main Street Watford City, ND 58854 Full Service B&M $69,370
Bnc National Bank 206 South Main Street Crosby, ND 58730 Full Service B&M $46,513
Bnc National Bank 210 South Main Street Stanley, ND 58784 Full Service B&M $75,350
Bnc National Bank 219 South Third Street Bismarck, ND 58501 Limited, Drive-thru $0
Bnc National Bank 2711 Sunset Dr Nw Mandan, ND 58554 Full Service B&M $30,564
Bnc National Bank 3000 Yorktown Drive Bismarck, ND 58503 Full Service B&M $20,299
Bnc National Bank 322 East Main Avenue Bismarck, ND 58501 Full Service B&M $333,066
Bnc National Bank 650 Douglas Drive Golden Valley, MN 55422 Full Service B&M $36,903
Bnc National Bank 801 East Century Avenue Bismarck, ND 58501 Full Service B&M $51,708
Bnc National Bank 92 North Main Street Garrison, ND 58540 Full Service B&M $27,980

For 2020, Bnc National Bank had 14 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $36,563
Net interest income $32,650
Total noninterest income $85,032
Gross Fiduciary activities income $1,973
Service charges on deposit accounts $503
Trading account gains and fees $0
Additional Noninterest Income $82,556
Pre-tax net operating income $59,249
Securities gains (or losses, -) $1,128
Income before extraordinary items $46,042
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $46,042
Minority interest net income $0
Net income $46,042
Sale, conversion, retirement of capital stock, net $0
Net operating income $45,150

Bnc National Bank's gross interest income from loans was $36,563,000.
Bnc National Bank's net interest income from loans was $32,650,000.
Bnc National Bank's fee based income from loans was $503,000.
Bnc National Bank's net income from loans was $46,042,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $3,913
Provision for credit losses $2,670
Total noninterest expense $55,763
Salaries and employee benefits $27,766
Premises and equipment expense $5,748
Additional noninterest expense $22,249
Applicable income taxes $14,335
Net charge-offs $487
Cash dividends $30,000

Bnc National Bank's interest expense for loans was $3,913,000.
Bnc National Bank's payroll and benefits expense were $27,766,000.
Bnc National Bank's property, plant and equipment expenses $5,748,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 1.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $889,768
Deposits held in domestic offices $889,768
Deposits by Individuals, partnerships, and corporations $862,315
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $27,453
Deposits by Commercial banks and other depository institutions in U.S. $0
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $413,898
Demand deposits $249,551
Nontransaction accounts $475,870
Money market deposit accounts (MMDAs) $319,311
Other savings deposits (excluding MMDAs) $41,724
Total time deposits $114,835
Total time and savings deposits $640,217
Noninterest-bearing deposits $167,742
Interest-bearing deposits $722,026
Retail deposits $865,142
IRAs and Keogh plan accounts $7,608
Brokered deposits $0
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $1,072,775
Cash & Balances due from depository institutions $11,940
Interest-bearing balances $403
Total securities $183,717
Federal funds sold & reverse repurchase $0
Net loans and leases $810,649
Loan and leases loss allowance $10,324
Trading account assets $0
Bank premises and fixed assets $16,849
Other real estate owned $0
Goodwill and other intangibles $0
All other assets $49,620

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $1,072,775
Total Liabilities $948,066
Total deposits $889,768
Interest-bearing deposits $722,026
Deposits held in domestic offices $889,768
% insured (estimated) $67
Federal funds purchased and repurchase agreements $6,385
Trading liabilities $0
Other borrowed funds $33,520
Subordinated debt $0
All other liabilities $18,393

Issued Loan Types

Type Value (in 000's)
Net loans and leases $810,649
Loan and leases loss allowance $10,324
Total loans and leases (domestic) $820,973
All real estate loans $620,228
Real estate loans in domestic offices $620,228
Construction and development loans $36,275
Residential 1-4 family construction $6,144
Other construction, all land development and other land $30,131
Loans secured by nonfarm nonresidential properties $264,876
Nonfarm nonresidential secured by owner-occupied properties $93,452
Commercial real estate & other non-farm, non-residential $171,424
Multifamily residential real estate $24,881
1-4 family residential loans $282,329
Farmland loans $11,867
Loans held in foreign offices $0
Farm loans $15,397
Commercial and industrial loans $133,002
To non-U.S. addressees $0
Loans to individuals $49,357
Credit card loans $0
Related Plans $1,653
Consumer Auto Loans $19,043
Other loans to individuals $28,661
All other loans & leases $3,231
Loans to foreign governments and official institutions $0
Other loans $0
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $2,270
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $0
Non 1-4 family restructured loans & leases $0
Total loans and leases (foreign) $0

BNC National Bank had $810,649,000 of loans outstanding in 2020. $620,228,000 of loans were in real estate loans. $36,275,000 of loans were in development loans. $24,881,000 of loans were in multifamily mortgage loans. $282,329,000 of loans were in 1-4 family mortgage loans. $15,397,000 of loans were in farm loans. $0 of loans were in credit card loans. $19,043,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 186 $52,370 $281,559
Nonfarm, nonresidential loans - <$100k 26 $1,056 $40,615
Nonfarm, nonresidential loans - $100-250k 41 $6,070 $148,049
Nonfarm, nonresidential loans - $250k-1MM 119 $45,244 $380,202
Commercial & Industrial, US addressed loans - <$1MM 951 $76,050 $79,968
Commercial & Industrial, US addressed loans - <$100k 605 $16,307 $26,954
Commercial & Industrial, US addressed loans - $100-250k 175 $15,684 $89,623
Commercial & Industrial, US addressed loans - $250k-1MM 171 $44,059 $257,655
Farmland loans - <$1MM 35 $5,207 $148,771
Farmland loans - <$100k 10 $442 $44,200
Farmland loans - $100-250k 16 $2,315 $144,688
Farmland loans - $250k-1MM 9 $2,450 $272,222
Agriculture operations loans - <$1MM 127 $6,382 $50,252
Agriculture operations loans - <$100k 83 $2,279 $27,458
Agriculture operations loans - $100-250k 33 $2,825 $85,606
Agriculture operations loans - $250k-1MM 11 $1,278 $116,182