Bnc National Bank Mortgage Rates, Fees & Info

Glendale, AZ

LEI: 549300LH06ZZHKPX5U83

Tax ID: 86-1024756

5 stars - out of 5 stars, based on 81 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Bnc National Bank is a small bank specializing in Refi, Home Purchase, and Cash Out 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 by origination volume include: Washington, Kansas City, Boston, Los Angeles, and Seattle among others. We have data for 456 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bnc National Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bnc National Bank is typically an average fee lender. They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender in 2021-- chances are they are still one in 2022.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 5.45% 8/6/22
    30 Year Conventional Refi 5.27% 8/6/22
    30 Year Cash-out Refi 5.44% 8/6/22
    30 Year FHA Purchase 6.23% 8/6/22
    30 Year FHA Refi 6.11% 8/6/22
    30 Year VA Purchase 4.89% 8/6/22
    30 Year VA Refi 4.78% 8/6/22
    30 Year USDA Purchase 5.89% 8/6/22
    30 Year USDA Refi 5.83% 8/6/22
    15 Year Conventional Purchase 4.39% 8/6/22
    15 Year Conventional Refi 4.39% 8/6/22
    15 Year Cash-out Refi 4.39% 8/6/22
    15 Year VA Purchase 4.93% 8/6/22
    15 Year VA Refi 4.28% 8/6/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    6,547

    Origination Dollar Volume (All Markets)

    $2,340,745,000

    Employee count

    276 Show all (156) awards

    Relative Rate

    Bnc National Bank's average 30 year fixed rate mortgage of loans were 2.69%.

    The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

    This yields a difference of -0.46%.

    Relative Fees

    Bnc National Bank's average total fees for a 30 year fixed rate mortgage are $4,241.

    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 $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) » 392 $179,740,000 $458,520 $3,789 2.53%
    KANSAS CITY, MO-KS (FHA|USDA|VA) » 417 $96,155,000 $230,588 $3,212 2.85%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) » 195 $87,545,000 $448,949 $3,810 2.61%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) » 160 $80,300,000 $501,875 $3,660 2.62%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) » 147 $69,345,000 $471,735 $3,998 2.65%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) » 139 $60,245,000 $433,417 $4,396 2.61%
    BISMARCK, ND (FHA|USDA|VA) » 237 $53,965,000 $227,700 $3,459 3.26%
    Outside of Metro Areas 210 $53,550,000 $255,000 $3,773 2.92%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) » 95 $53,375,000 $561,842 $4,066 2.68%
    WICHITA, KS (FHA|USDA|VA) » 258 $53,370,000 $206,860 $4,221 2.91%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) » 114 $49,280,000 $432,281 $4,134 2.51%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) » 130 $49,240,000 $378,769 $3,993 2.65%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) » 107 $47,095,000 $440,140 $3,507 2.67%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) » 91 $44,505,000 $489,066 $4,569 2.52%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) » 114 $43,770,000 $383,947 $3,537 2.60%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) » 94 $37,900,000 $403,191 $4,644 2.69%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) » 99 $36,755,000 $371,263 $4,767 2.57%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) » 106 $34,360,000 $324,151 $4,521 3.07%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) » 89 $33,345,000 $374,663 $4,265 2.50%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) » 83 $32,355,000 $389,819 $5,437 2.57%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) » 77 $32,305,000 $419,545 $5,020 2.63%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) » 50 $29,400,000 $588,000 $4,433 2.58%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) » 80 $27,630,000 $345,375 $3,011 2.66%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) » 65 $27,405,000 $421,615 $3,707 2.58%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) » 63 $25,395,000 $403,095 $4,358 2.60%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) » 69 $24,335,000 $352,681 $5,688 2.61%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) » 66 $24,240,000 $367,273 $4,411 2.64%
    Lebanon, MO (FHA|USDA|VA) » 152 $23,990,000 $157,829 $3,790 3.08%
    COLORADO SPRINGS, CO (FHA|USDA|VA) » 54 $23,950,000 $443,519 $4,514 2.45%
    RALEIGH-CARY, NC (FHA|USDA|VA) » 56 $21,420,000 $382,500 $3,487 2.62%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) » 46 $20,480,000 $445,217 $5,085 2.62%
    RENO, NV (FHA|USDA|VA) » 47 $19,395,000 $412,660 $3,265 2.64%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) » 129 $19,215,000 $148,953 $3,761 2.90%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) » 50 $18,120,000 $362,400 $2,994 2.69%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) » 43 $17,625,000 $409,884 $5,032 2.51%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) » 58 $17,490,000 $301,552 $3,535 2.71%
    JACKSONVILLE, FL (FHA|USDA|VA) » 48 $16,300,000 $339,583 $3,222 2.52%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) » 32 $15,870,000 $495,938 $5,017 2.55%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) » 39 $15,335,000 $393,205 $4,735 2.59%
    RICHMOND, VA (FHA|USDA|VA) » 37 $14,275,000 $385,811 $3,307 2.66%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) » 33 $13,405,000 $406,212 $4,960 2.69%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) » 40 $13,380,000 $334,500 $5,291 2.43%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) » 30 $12,080,000 $402,667 $3,896 2.63%
    BOISE CITY, ID (FHA|USDA|VA) » 32 $11,710,000 $365,938 $4,791 2.53%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) » 26 $11,430,000 $439,615 $5,070 2.93%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) » 27 $11,025,000 $408,333 $6,088 2.62%
    SALINAS, CA (FHA|USDA|VA) » 17 $10,795,000 $635,000 $4,964 2.65%
    OKLAHOMA CITY, OK (FHA|USDA|VA) » 30 $10,210,000 $340,333 $3,933 2.54%
    SALT LAKE CITY, UT (FHA|USDA|VA) » 24 $10,020,000 $417,500 $3,699 2.54%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) » 31 $9,995,000 $322,419 $2,739 2.48%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) » 28 $9,980,000 $356,429 $4,604 2.48%
    KNOXVILLE, TN (FHA|USDA|VA) » 25 $8,855,000 $354,200 $3,471 2.63%
    WORCESTER, MA-CT (FHA|USDA|VA) » 21 $8,795,000 $418,810 $4,716 2.66%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) » 23 $8,235,000 $358,043 $3,124 2.68%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) » 21 $8,175,000 $389,286 $4,365 2.59%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) » 20 $7,640,000 $382,000 $4,414 2.53%
    COLUMBUS, OH (FHA|USDA|VA) » 24 $7,600,000 $316,667 $3,923 2.55%
    PITTSBURGH, PA (FHA|USDA|VA) » 24 $7,330,000 $305,417 $4,774 2.65%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) » 16 $7,300,000 $456,250 $6,302 2.53%
    BOULDER, CO (FHA|USDA|VA) » 17 $7,035,000 $413,824 $3,975 2.60%
    ST. LOUIS, MO-IL (FHA|USDA|VA) » 26 $7,000,000 $269,231 $3,768 2.63%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) » 19 $6,945,000 $365,526 $5,158 2.49%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) » 15 $6,775,000 $451,667 $4,914 2.38%
    HUNTSVILLE, AL (FHA|USDA|VA) » 21 $6,765,000 $322,143 $2,847 2.51%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) » 17 $6,565,000 $386,176 $5,346 2.68%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) » 16 $6,540,000 $408,750 $3,926 2.73%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) » 17 $6,395,000 $376,176 $4,601 2.64%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) » 16 $6,340,000 $396,250 $2,712 2.58%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) » 13 $6,165,000 $474,231 $2,600 2.51%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) » 15 $6,105,000 $407,000 $3,003 2.65%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) » 17 $6,065,000 $356,765 $4,672 2.68%
    GREELEY, CO (FHA|USDA|VA) » 17 $6,055,000 $356,176 $4,658 2.60%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) » 15 $5,845,000 $389,667 $4,670 2.38%
    SALISBURY, MD-DE (FHA|USDA|VA) » 14 $5,720,000 $408,571 $4,573 2.55%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) » 11 $5,695,000 $517,727 $3,095 2.66%
    TUCSON, AZ (FHA|USDA|VA) » 14 $5,610,000 $400,714 $3,627 2.50%
    ALBUQUERQUE, NM (FHA|USDA|VA) » 16 $5,510,000 $344,375 $4,091 2.75%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) » 18 $5,410,000 $300,556 $4,671 2.90%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) » 15 $5,405,000 $360,333 $5,486 2.40%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) » 14 $5,360,000 $382,857 $3,717 2.62%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) » 13 $5,325,000 $409,615 $4,327 2.45%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) » 16 $5,120,000 $320,000 $4,551 2.66%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) » 12 $5,040,000 $420,000 $4,392 2.56%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) » 15 $4,905,000 $327,000 $3,632 2.53%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) » 12 $4,650,000 $387,500 $2,824 2.44%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) » 11 $4,475,000 $406,818 $4,527 2.77%
    STOCKTON, CA (FHA|USDA|VA) » 11 $4,415,000 $401,364 $3,499 2.72%
    FRESNO, CA (FHA|USDA|VA) » 12 $4,260,000 $355,000 $3,215 2.57%
    COLUMBIA, SC (FHA|USDA|VA) » 12 $4,210,000 $350,833 $4,464 2.43%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) » 15 $4,175,000 $278,333 $3,430 2.58%
    PROVO-OREM, UT (FHA|USDA|VA) » 12 $4,030,000 $335,833 $3,082 2.75%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) » 9 $3,865,000 $429,444 $4,629 2.47%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) » 12 $3,790,000 $315,833 $3,588 2.66%
    DAYTON-KETTERING, OH (FHA|USDA|VA) » 12 $3,740,000 $311,667 $5,426 2.64%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) » 9 $3,685,000 $409,444 $3,036 2.65%
    WILMINGTON, NC (FHA|USDA|VA) » 9 $3,585,000 $398,333 $3,992 2.74%
    OCEAN CITY, NJ (FHA|USDA|VA) » 8 $3,540,000 $442,500 $4,814 2.81%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) » 11 $3,525,000 $320,455 $3,133 2.58%
    PORT ST. LUCIE, FL (FHA|USDA|VA) » 9 $3,515,000 $390,556 $3,666 2.51%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) » 10 $3,470,000 $347,000 $5,072 2.66%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) » 12 $3,460,000 $288,333 $3,685 2.50%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) » 8 $3,430,000 $428,750 $3,108 2.47%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) » 12 $3,380,000 $281,667 $3,054 2.58%
    VALLEJO, CA (FHA|USDA|VA) » 8 $3,380,000 $422,500 $2,305 2.42%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) » 8 $3,230,000 $403,750 $5,248 2.50%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) » 10 $3,160,000 $316,000 $4,328 2.49%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) » 8 $3,160,000 $395,000 $10,170 2.66%
    SALEM, OR (FHA|USDA|VA) » 9 $3,105,000 $345,000 $5,868 2.49%
    ANN ARBOR, MI (FHA|USDA|VA) » 10 $3,100,000 $310,000 $4,247 2.76%
    Outside of Metro Areas 6 $3,050,000 $508,333 $8,798 2.65%
    DOVER, DE (FHA|USDA|VA) » 9 $3,045,000 $338,333 $5,862 2.47%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) » 8 $3,040,000 $380,000 $4,755 2.91%
    SPRINGFIELD, MA (FHA|USDA|VA) » 9 $3,025,000 $336,111 $5,351 2.57%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) » 8 $2,970,000 $371,250 $3,122 2.63%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) » 9 $2,925,000 $325,000 $7,489 2.75%
    MADISON, WI (FHA|USDA|VA) » 8 $2,900,000 $362,500 $2,936 2.48%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) » 8 $2,900,000 $362,500 $4,855 2.48%
    MONTGOMERY, AL (FHA|USDA|VA) » 9 $2,785,000 $309,444 $4,461 2.50%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) » 3 $2,685,000 $895,000 $5,501 2.54%
    SANTA FE, NM (FHA|USDA|VA) » 6 $2,520,000 $420,000 $3,626 2.56%
    FORT COLLINS, CO (FHA|USDA|VA) » 6 $2,500,000 $416,667 $8,998 2.60%
    SAVANNAH, GA (FHA|USDA|VA) » 8 $2,490,000 $311,250 $3,811 2.61%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) » 9 $2,465,000 $273,889 $4,753 2.56%
    TULSA, OK (FHA|USDA|VA) » 8 $2,400,000 $300,000 $4,731 2.41%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) » 8 $2,380,000 $297,500 $2,707 2.52%
    OCALA, FL (FHA|USDA|VA) » 3 $2,355,000 $785,000 $17,444 2.38%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) » 6 $2,350,000 $391,667 $3,218 2.60%
    FAYETTEVILLE, NC (FHA|USDA|VA) » 8 $2,230,000 $278,750 $4,819 2.52%
    BATON ROUGE, LA (FHA|USDA|VA) » 5 $2,115,000 $423,000 $4,487 2.68%
    JACKSON, MS (FHA|USDA|VA) » 6 $2,100,000 $350,000 $2,214 2.46%
    BEND, OR (FHA|USDA|VA) » 4 $2,090,000 $522,500 $6,800 2.72%
    Spearfish, SD (FHA|USDA|VA) » 4 $2,070,000 $517,500 $2,415 2.99%
    JACKSONVILLE, NC (FHA|USDA|VA) » 8 $2,060,000 $257,500 $2,605 2.81%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) » 5 $2,045,000 $409,000 $4,375 2.55%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) » 4 $2,040,000 $510,000 $12,503 2.41%
    Concord, NH (FHA|USDA|VA) » 6 $2,000,000 $333,333 $3,899 2.65%
    Gardnerville Ranchos, NV (FHA|USDA|VA) » 5 $1,995,000 $399,000 $3,035 2.85%
    SPRINGFIELD, MO (FHA|USDA|VA) » 9 $1,965,000 $218,333 $4,376 2.68%
    WACO, TX (FHA|USDA|VA) » 3 $1,945,000 $648,333 $12,241 2.42%
    Oak Harbor, WA (FHA|USDA|VA) » 6 $1,920,000 $320,000 $2,543 2.50%
    NEW BERN, NC (FHA|USDA|VA) » 5 $1,855,000 $371,000 $5,501 2.85%
    LYNCHBURG, VA (FHA|USDA|VA) » 6 $1,820,000 $303,333 $2,342 2.38%
    LOGAN, UT-ID (FHA|USDA|VA) » 3 $1,815,000 $605,000 $3,360 2.58%
    CARSON CITY, NV (FHA|USDA|VA) » 4 $1,790,000 $447,500 $2,264 2.66%
    WENATCHEE, WA (FHA|USDA|VA) » 5 $1,785,000 $357,000 $3,173 2.55%
    VISALIA, CA (FHA|USDA|VA) » 5 $1,765,000 $353,000 $3,438 2.48%
    LINCOLN, NE (FHA|USDA|VA) » 5 $1,695,000 $339,000 $2,957 2.40%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) » 5 $1,695,000 $339,000 $5,844 2.43%
    Lebanon, NH-VT (FHA|USDA|VA) » 4 $1,670,000 $417,500 $2,468 2.59%
    CORPUS CHRISTI, TX (FHA|USDA|VA) » 5 $1,655,000 $331,000 $5,217 2.68%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) » 5 $1,655,000 $331,000 $4,079 2.48%
    Morehead City, NC (FHA|USDA|VA) » 5 $1,655,000 $331,000 $4,622 2.40%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) » 5 $1,635,000 $327,000 $3,024 2.33%
    CHEYENNE, WY (FHA|USDA|VA) » 4 $1,620,000 $405,000 $2,922 2.25%
    VALDOSTA, GA (FHA|USDA|VA) » 6 $1,600,000 $266,667 $4,085 2.40%
    MEDFORD, OR (FHA|USDA|VA) » 5 $1,595,000 $319,000 $5,011 3.05%
    LAFAYETTE, LA (FHA|USDA|VA) » 3 $1,575,000 $525,000 $20,549 2.75%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) » 6 $1,560,000 $260,000 $6,301 2.44%
    Heber, UT (FHA|USDA|VA) » 3 $1,545,000 $515,000 $2,617 2.75%
    WARNER ROBINS, GA (FHA|USDA|VA) » 6 $1,530,000 $255,000 $2,258 2.50%
    COLUMBIA, MO (FHA|USDA|VA) » 5 $1,515,000 $303,000 $5,134 2.75%
    Williston, ND (FHA|USDA|VA) » 5 $1,505,000 $301,000 $3,731 3.20%
    YORK-HANOVER, PA (FHA|USDA|VA) » 5 $1,485,000 $297,000 $4,736 2.73%
    CORVALLIS, OR (FHA|USDA|VA) » 4 $1,480,000 $370,000 $9,799 2.88%
    Truckee-Grass Valley, CA (FHA|USDA|VA) » 3 $1,475,000 $491,667 $3,530 2.71%
    BELLINGHAM, WA (FHA|USDA|VA) » 5 $1,445,000 $289,000 $4,506 2.60%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) » 3 $1,435,000 $478,333 $4,794 2.25%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) » 5 $1,425,000 $285,000 $8,091 2.73%
    Jackson, WY-ID (FHA|USDA|VA) » 3 $1,385,000 $461,667 $4,121 2.92%
    Ottawa, KS (FHA|USDA|VA) » 3 $1,355,000 $451,667 $3,081 2.88%
    ROANOKE, VA (FHA|USDA|VA) » 2 $1,350,000 $675,000 $4,472 2.69%
    Sevierville, TN (FHA|USDA|VA) » 3 $1,335,000 $445,000 $4,327 3.50%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) » 3 $1,335,000 $445,000 $2,758 2.42%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) » 4 $1,330,000 $332,500 $5,088 2.25%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) » 5 $1,315,000 $263,000 $3,647 2.88%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) » 4 $1,310,000 $327,500 $4,021 2.50%
    WINSTON-SALEM, NC (FHA|USDA|VA) » 5 $1,305,000 $261,000 $2,957 2.80%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) » 5 $1,285,000 $257,000 $4,269 2.68%
    SUMTER, SC (FHA|USDA|VA) » 4 $1,270,000 $317,500 $6,684 2.19%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) » 4 $1,260,000 $315,000 $4,182 2.47%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) » 3 $1,235,000 $411,667 $2,665 2.63%
    Tullahoma-Manchester, TN (FHA|USDA|VA) » 3 $1,235,000 $411,667 $3,100 2.58%
    ST. GEORGE, UT (FHA|USDA|VA) » 3 $1,235,000 $411,667 $2,891 2.83%
    Altus, OK (FHA|USDA|VA) » 4 $1,220,000 $305,000 $5,470 2.41%
    Burlington, IA-IL (FHA|USDA|VA) » 8 $1,170,000 $146,250 $3,818 2.98%
    GAINESVILLE, GA (FHA|USDA|VA) » 3 $1,165,000 $388,333 $3,619 2.75%
    TOPEKA, KS (FHA|USDA|VA) » 2 $1,160,000 $580,000 $8,032 2.19%
    PUNTA GORDA, FL (FHA|USDA|VA) » 3 $1,155,000 $385,000 $3,075 2.71%
    Roseburg, OR (FHA|USDA|VA) » 3 $1,155,000 $385,000 $2,957 2.46%
    GRAND JUNCTION, CO (FHA|USDA|VA) » 3 $1,135,000 $378,333 $1,525 2.63%
    Torrington, CT (FHA|USDA|VA) » 3 $1,125,000 $375,000 $3,097 2.58%
    LEBANON, PA (FHA|USDA|VA) » 2 $1,120,000 $560,000 $16,510 2.81%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) » 3 $1,115,000 $371,667 $4,417 2.88%
    Cullowhee, NC (FHA|USDA|VA) » 4 $1,110,000 $277,500 $4,527 3.06%
    AMARILLO, TX (FHA|USDA|VA) » 1 $1,105,000 $1,105,000 $7,777 2.38%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) » 3 $1,085,000 $361,667 $2,291 2.46%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) » 3 $1,085,000 $361,667 $3,362 2.63%
    Breckenridge, CO (FHA|USDA|VA) » 3 $1,075,000 $358,333 $3,012 3.00%
    Warrensburg, MO (FHA|USDA|VA) » 5 $1,065,000 $213,000 $5,974 2.58%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) » 3 $1,055,000 $351,667 $5,796 2.75%
    Centralia, WA (FHA|USDA|VA) » 3 $1,055,000 $351,667 $3,406 2.83%
    MISSOULA, MT (FHA|USDA|VA) » 2 $1,050,000 $525,000 $4,472 2.50%
    YUBA CITY, CA (FHA|USDA|VA) » 3 $1,045,000 $348,333 $8,303 2.71%
    Bennington, VT (FHA|USDA|VA) » 3 $1,045,000 $348,333 $5,486 2.92%
    BAKERSFIELD, CA (FHA|USDA|VA) » 3 $1,045,000 $348,333 $4,563 2.63%
    Kalispell, MT (FHA|USDA|VA) » 3 $1,045,000 $348,333 $3,567 3.08%
    Elizabeth City, NC (FHA|USDA|VA) » 3 $1,045,000 $348,333 $2,561 2.63%
    MERCED, CA (FHA|USDA|VA) » 3 $1,035,000 $345,000 $5,647 2.54%
    Moscow, ID (FHA|USDA|VA) » 2 $1,030,000 $515,000 $7,068 2.50%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) » 2 $1,030,000 $515,000 $4,617 2.50%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) » 3 $1,025,000 $341,667 $8,904 2.42%
    Sanford, NC (FHA|USDA|VA) » 3 $1,005,000 $335,000 $6,103 2.50%
    Ontario, OR-ID (FHA|USDA|VA) » 1 $995,000 $995,000 $5,323 3.38%
    FARGO, ND-MN (FHA|USDA|VA) » 6 $980,000 $163,333 $2,838 3.39%
    Cookeville, TN (FHA|USDA|VA) » 2 $960,000 $480,000 $3,680 2.31%
    Branson, MO (FHA|USDA|VA) » 4 $960,000 $240,000 $2,126 2.59%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) » 2 $950,000 $475,000 $2,834 2.56%
    LAS CRUCES, NM (FHA|USDA|VA) » 3 $935,000 $311,667 $3,225 2.58%
    Mountain Home, ID (FHA|USDA|VA) » 1 $935,000 $935,000 $11,009 2.25%
    MANHATTAN, KS (FHA|USDA|VA) » 3 $925,000 $308,333 $9,061 2.46%
    PUEBLO, CO (FHA|USDA|VA) » 3 $925,000 $308,333 $4,711 2.54%
    EL PASO, TX (FHA|USDA|VA) » 4 $910,000 $227,500 $6,628 2.81%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) » 3 $905,000 $301,667 $4,533 2.58%
    PANAMA CITY, FL (FHA|USDA|VA) » 3 $905,000 $301,667 $2,067 2.63%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) » 3 $905,000 $301,667 $2,680 2.79%
    COLUMBUS, GA-AL (FHA|USDA|VA) » 3 $895,000 $298,333 $6,525 2.46%
    Gillette, WY (FHA|USDA|VA) » 2 $890,000 $445,000 $12,621 2.19%
    Glenwood Springs, CO (FHA|USDA|VA) » 2 $890,000 $445,000 $3,185 2.88%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) » 3 $885,000 $295,000 $3,700 2.79%
    Georgetown, SC (FHA|USDA|VA) » 2 $860,000 $430,000 $3,164 2.13%
    YAKIMA, WA (FHA|USDA|VA) » 2 $860,000 $430,000 $4,757 3.13%
    LONGVIEW, WA (FHA|USDA|VA) » 2 $860,000 $430,000 $5,176 3.06%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) » 2 $860,000 $430,000 $5,002 2.56%
    SPARTANBURG, SC (FHA|USDA|VA) » 3 $855,000 $285,000 $4,199 2.79%
    FORT WAYNE, IN (FHA|USDA|VA) » 3 $845,000 $281,667 $2,341 2.79%
    McPherson, KS (FHA|USDA|VA) » 3 $835,000 $278,333 $3,257 2.46%
    IDAHO FALLS, ID (FHA|USDA|VA) » 3 $835,000 $278,333 $3,570 2.67%
    DOTHAN, AL (FHA|USDA|VA) » 3 $825,000 $275,000 $2,597 2.29%
    EVANSVILLE, IN-KY (FHA|USDA|VA) » 4 $820,000 $205,000 $2,265 3.25%
    LONGVIEW, TX (FHA|USDA|VA) » 2 $820,000 $410,000 $3,352 2.13%
    FLAGSTAFF, AZ (FHA|USDA|VA) » 2 $820,000 $410,000 $4,128 3.06%
    Sterling, IL (FHA|USDA|VA) » 7 $805,000 $115,000 $3,622 3.05%
    DULUTH, MN-WI (FHA|USDA|VA) » 2 $800,000 $400,000 $3,248 2.38%
    Clarksburg, WV (FHA|USDA|VA) » 2 $800,000 $400,000 $1,224 2.25%
    TOLEDO, OH (FHA|USDA|VA) » 2 $800,000 $400,000 $3,885 2.56%
    WAUSAU-WESTON, WI (FHA|USDA|VA) » 3 $765,000 $255,000 $1,591 2.79%
    THE VILLAGES, FL (FHA|USDA|VA) » 2 $760,000 $380,000 $4,038 2.56%
    AKRON, OH (FHA|USDA|VA) » 3 $755,000 $251,667 $2,875 2.58%
    Minot, ND (FHA|USDA|VA) » 5 $745,000 $149,000 $5,878 3.33%
    Jefferson, GA (FHA|USDA|VA) » 2 $740,000 $370,000 $3,375 2.63%
    SYRACUSE, NY (FHA|USDA|VA) » 2 $730,000 $365,000 $7,241 2.75%
    Key West, FL (FHA|USDA|VA) » 1 $725,000 $725,000 $6,253 2.38%
    Dickinson, ND (FHA|USDA|VA) » 3 $725,000 $241,667 $2,402 2.71%
    BLOOMINGTON, IN (FHA|USDA|VA) » 2 $720,000 $360,000 $2,598 2.63%
    Enterprise, AL (FHA|USDA|VA) » 2 $720,000 $360,000 $4,962 2.25%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) » 2 $710,000 $355,000 $9,436 2.25%
    Columbus, MS (FHA|USDA|VA) » 2 $700,000 $350,000 $2,826 2.31%
    Bozeman, MT (FHA|USDA|VA) » 2 $700,000 $350,000 $3,369 2.44%
    Ukiah, CA (FHA|USDA|VA) » 2 $690,000 $345,000 $6,991 2.81%
    Shelby, NC (FHA|USDA|VA) » 1 $665,000 $665,000 $3,315 2.63%
    Port Angeles, WA (FHA|USDA|VA) » 2 $660,000 $330,000 $2,752 2.44%
    LAWRENCE, KS (FHA|USDA|VA) » 4 $660,000 $165,000 $3,640 3.34%
    Crossville, TN (FHA|USDA|VA) » 2 $660,000 $330,000 $7,741 2.50%
    MADERA, CA (FHA|USDA|VA) » 2 $650,000 $325,000 $2,127 2.63%
    RACINE, WI (FHA|USDA|VA) » 2 $640,000 $320,000 $2,368 2.81%
    ALBANY-LEBANON, OR (FHA|USDA|VA) » 2 $630,000 $315,000 $2,737 2.31%
    Clearlake, CA (FHA|USDA|VA) » 2 $610,000 $305,000 $3,820 3.00%
    EAST STROUDSBURG, PA (FHA|USDA|VA) » 2 $610,000 $305,000 $8,052 3.00%
    MODESTO, CA (FHA|USDA|VA) » 2 $610,000 $305,000 $2,193 2.50%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) » 4 $610,000 $152,500 $2,651 2.94%
    Fort Leonard Wood, MO (FHA|USDA|VA) » 4 $610,000 $152,500 $3,111 2.91%
    Bellefontaine, OH (FHA|USDA|VA) » 1 $605,000 $605,000 $2,004 2.63%
    Wooster, OH (FHA|USDA|VA) » 2 $590,000 $295,000 $3,276 3.19%
    Cedar City, UT (FHA|USDA|VA) » 2 $590,000 $295,000 $5,145 2.94%
    Albertville, AL (FHA|USDA|VA) » 2 $590,000 $295,000 $2,787 2.88%
    NAPA, CA (FHA|USDA|VA) » 1 $585,000 $585,000 $8,922 2.63%
    Clovis, NM (FHA|USDA|VA) » 2 $580,000 $290,000 $7,990 2.31%
    Wilmington, OH (FHA|USDA|VA) » 2 $580,000 $290,000 $2,631 2.56%
    BURLINGTON, NC (FHA|USDA|VA) » 2 $580,000 $290,000 $2,805 2.38%
    MONROE, MI (FHA|USDA|VA) » 3 $575,000 $191,667 $2,070 2.58%
    JACKSON, MI (FHA|USDA|VA) » 3 $575,000 $191,667 $2,774 2.79%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) » 2 $570,000 $285,000 $2,133 2.31%
    ASHEVILLE, NC (FHA|USDA|VA) » 2 $570,000 $285,000 $3,181 2.94%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) » 2 $560,000 $280,000 $2,741 3.00%
    JOHNSON CITY, TN (FHA|USDA|VA) » 2 $560,000 $280,000 $1,453 2.56%
    ENID, OK (FHA|USDA|VA) » 2 $550,000 $275,000 $5,462 2.50%
    Barre, VT (FHA|USDA|VA) » 1 $545,000 $545,000 $6,404 2.75%
    Seneca, SC (FHA|USDA|VA) » 1 $545,000 $545,000 $3,156 2.50%
    MOBILE, AL (FHA|USDA|VA) » 2 $540,000 $270,000 $2,423 2.88%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) » 2 $540,000 $270,000 $3,601 2.63%
    Somerset, KY (FHA|USDA|VA) » 3 $535,000 $178,333 $861 2.75%
    Show Low, AZ (FHA|USDA|VA) » 1 $535,000 $535,000 $8,841 3.00%
    STATE COLLEGE, PA (FHA|USDA|VA) » 1 $525,000 $525,000 $6,893 2.63%
    MONROE, LA (FHA|USDA|VA) » 1 $525,000 $525,000 $3,729 2.00%
    Sandpoint, ID (FHA|USDA|VA) » 1 $515,000 $515,000 $5,945 2.88%
    Traverse City, MI (FHA|USDA|VA) » 1 $515,000 $515,000 $13,713 2.25%
    Granbury, TX (FHA|USDA|VA) » 2 $510,000 $255,000 $7,706 2.44%
    Clinton, IA (FHA|USDA|VA) » 4 $510,000 $127,500 $4,344 3.00%
    Jamestown, ND (FHA|USDA|VA) » 2 $500,000 $250,000 $3,431 3.56%
    HAMMOND, LA (FHA|USDA|VA) » 1 $475,000 $475,000 $5,793 2.75%
    CLEVELAND, TN (FHA|USDA|VA) » 1 $475,000 $475,000 $2,703 2.25%
    St. Marys, GA (FHA|USDA|VA) » 1 $475,000 $475,000 $18,840 2.25%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) » 1 $465,000 $465,000 $3,547 2.50%
    Jackson, OH (FHA|USDA|VA) » 1 $465,000 $465,000 $3,415 2.63%
    Ellensburg, WA (FHA|USDA|VA) » 1 $465,000 $465,000 $3,564 2.25%
    HARRISONBURG, VA (FHA|USDA|VA) » 1 $465,000 $465,000 $19,067 2.25%
    Montrose, CO (FHA|USDA|VA) » 1 $465,000 $465,000 $2,864 2.75%
    Durango, CO (FHA|USDA|VA) » 1 $455,000 $455,000 $2,297 2.63%
    CHICO, CA (FHA|USDA|VA) » 1 $455,000 $455,000 $3,182 2.25%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) » 2 $450,000 $225,000 $907 2.31%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) » 2 $450,000 $225,000 $6,394 2.50%
    Prineville, OR (FHA|USDA|VA) » 1 $445,000 $445,000 $3,833 2.63%
    Mount Airy, NC (FHA|USDA|VA) » 1 $445,000 $445,000 $4,588 2.25%
    Fort Morgan, CO (FHA|USDA|VA) » 1 $445,000 $445,000 $18,819 2.25%
    NILES, MI (FHA|USDA|VA) » 2 $440,000 $220,000 $2,578 2.88%
    ABILENE, TX (FHA|USDA|VA) » 2 $440,000 $220,000 $3,089 2.25%
    CASPER, WY (FHA|USDA|VA) » 1 $435,000 $435,000 $3,858 2.25%
    Sheridan, WY (FHA|USDA|VA) » 1 $435,000 $435,000 $2,578 2.50%
    CHARLESTON, WV (FHA|USDA|VA) » 2 $430,000 $215,000 $4,094 3.31%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) » 2 $430,000 $215,000 $1,943 2.75%
    Sedalia, MO (FHA|USDA|VA) » 2 $420,000 $210,000 $5,227 3.25%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) » 2 $420,000 $210,000 $2,436 2.88%
    Shelton, WA (FHA|USDA|VA) » 1 $415,000 $415,000 $1,861 1.88%
    Glasgow, KY (FHA|USDA|VA) » 2 $410,000 $205,000 $1,426 2.50%
    Rolla, MO (FHA|USDA|VA) » 4 $410,000 $102,500 $3,089 3.04%
    WALLA WALLA, WA (FHA|USDA|VA) » 1 $405,000 $405,000 $8,643 2.50%
    Taos, NM (FHA|USDA|VA) » 1 $405,000 $405,000 $4,732 2.63%
    HATTIESBURG, MS (FHA|USDA|VA) » 1 $405,000 $405,000 $3,461 2.13%
    TALLAHASSEE, FL (FHA|USDA|VA) » 1 $405,000 $405,000 $5,168 2.63%
    REDDING, CA (FHA|USDA|VA) » 1 $395,000 $395,000 $3,084 2.25%
    Hutchinson, KS (FHA|USDA|VA) » 1 $395,000 $395,000 $2,827 2.50%
    Fergus Falls, MN (FHA|USDA|VA) » 1 $385,000 $385,000 $4,810 2.25%
    Keene, NH (FHA|USDA|VA) » 1 $385,000 $385,000 $2,262 2.63%
    SHERMAN-DENISON, TX (FHA|USDA|VA) » 1 $385,000 $385,000 $9,799 2.25%
    Aberdeen, WA (FHA|USDA|VA) » 1 $385,000 $385,000 $3,830 3.13%
    MIDLAND, TX (FHA|USDA|VA) » 1 $385,000 $385,000 $3,877 2.25%
    READING, PA (FHA|USDA|VA) » 1 $385,000 $385,000 $10,437 3.38%
    Brainerd, MN (FHA|USDA|VA) » 2 $380,000 $190,000 $4,047 2.56%
    Vermillion, SD (FHA|USDA|VA) » 1 $375,000 $375,000 $3,120 2.63%
    Kinston, NC (FHA|USDA|VA) » 1 $375,000 $375,000 $2,507 2.25%
    GRANTS PASS, OR (FHA|USDA|VA) » 1 $375,000 $375,000 $3,046 2.25%
    Kill Devil Hills, NC (FHA|USDA|VA) » 1 $375,000 $375,000 $4,321 2.00%
    Nacogdoches, TX (FHA|USDA|VA) » 1 $365,000 $365,000 $11,549 2.25%
    Augusta-Waterville, ME (FHA|USDA|VA) » 1 $365,000 $365,000 $2,718 3.00%
    DECATUR, AL (FHA|USDA|VA) » 1 $365,000 $365,000 $4,101 2.00%
    Laconia, NH (FHA|USDA|VA) » 1 $365,000 $365,000 $1,008 2.13%
    JOPLIN, MO (FHA|USDA|VA) » 2 $360,000 $180,000 $2,195 2.69%
    ALEXANDRIA, LA (FHA|USDA|VA) » 1 $355,000 $355,000 $3,479 2.25%
    ROCHESTER, NY (FHA|USDA|VA) » 1 $355,000 $355,000 $3,159 2.25%
    VICTORIA, TX (FHA|USDA|VA) » 1 $355,000 $355,000 $11,421 2.75%
    Moses Lake, WA (FHA|USDA|VA) » 1 $355,000 $355,000 $2,843 2.63%
    Boone, NC (FHA|USDA|VA) » 1 $355,000 $355,000 $3,320 3.25%
    Fallon, NV (FHA|USDA|VA) » 1 $345,000 $345,000 $2,710 2.25%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) » 1 $345,000 $345,000 $2,954 3.38%
    Oxford, MS (FHA|USDA|VA) » 1 $335,000 $335,000 $2,661 2.75%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) » 1 $335,000 $335,000 $1,211 2.25%
    Stillwater, OK (FHA|USDA|VA) » 1 $335,000 $335,000 $3,906 2.75%
    ROCHESTER, MN (FHA|USDA|VA) » 1 $335,000 $335,000 $5,689 2.63%
    POCATELLO, ID (FHA|USDA|VA) » 1 $325,000 $325,000 $3,746 2.75%
    Hastings, NE (FHA|USDA|VA) » 1 $325,000 $325,000 $12,948 2.25%
    Winfield, KS (FHA|USDA|VA) » 3 $325,000 $108,333 $3,075 3.00%
    Evanston, WY (FHA|USDA|VA) » 1 $315,000 $315,000 $2,494 2.63%
    ROCKY MOUNT, NC (FHA|USDA|VA) » 1 $315,000 $315,000 $2,095 2.25%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) » 1 $315,000 $315,000 $4,473 2.75%
    WILLIAMSPORT, PA (FHA|USDA|VA) » 1 $315,000 $315,000 $4,558 3.00%
    West Plains, MO (FHA|USDA|VA) » 2 $310,000 $155,000 $3,143 3.00%
    Lumberton, NC (FHA|USDA|VA) » 1 $305,000 $305,000 $2,882 2.25%
    Pahrump, NV (FHA|USDA|VA) » 1 $305,000 $305,000 $2,204 2.88%
    Newport, OR (FHA|USDA|VA) » 1 $305,000 $305,000 $7,314 3.00%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) » 1 $305,000 $305,000 $2,987 2.88%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) » 1 $305,000 $305,000 $1,152 2.25%
    Alamogordo, NM (FHA|USDA|VA) » 1 $305,000 $305,000 $13,080 2.25%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) » 1 $305,000 $305,000 $2,870 2.13%
    TYLER, TX (FHA|USDA|VA) » 1 $305,000 $305,000 $4,432 2.75%
    Edwards, CO (FHA|USDA|VA) » 1 $305,000 $305,000 $2,760 2.38%
    Frankfort, KY (FHA|USDA|VA) » 1 $305,000 $305,000 $1,204 2.50%
    Sonora, CA (FHA|USDA|VA) » 1 $305,000 $305,000 $1,935 2.38%
    Hobbs, NM (FHA|USDA|VA) » 1 $295,000 $295,000 $3,352 2.25%
    Price, UT (FHA|USDA|VA) » 1 $295,000 $295,000 $3,032 3.13%
    SAGINAW, MI (FHA|USDA|VA) » 1 $285,000 $285,000 $2,719 2.00%
    Gainesville, TX (FHA|USDA|VA) » 1 $275,000 $275,000 $2,016 2.25%
    Pullman, WA (FHA|USDA|VA) » 1 $275,000 $275,000 $3,236 3.25%
    Adrian, MI (FHA|USDA|VA) » 1 $275,000 $275,000 $3,286 3.00%
    BRUNSWICK, GA (FHA|USDA|VA) » 1 $275,000 $275,000 $2,856 2.63%
    Cornelia, GA (FHA|USDA|VA) » 1 $275,000 $275,000 $1,866 2.50%
    Sterling, CO (FHA|USDA|VA) » 1 $275,000 $275,000 $2,461 2.25%
    EAU CLAIRE, WI (FHA|USDA|VA) » 1 $275,000 $275,000 $8,749 2.50%
    Tupelo, MS (FHA|USDA|VA) » 1 $275,000 $275,000 $2,349 2.50%
    Talladega-Sylacauga, AL (FHA|USDA|VA) » 2 $270,000 $135,000 $2,036 3.31%
    Muscatine, IA (FHA|USDA|VA) » 1 $265,000 $265,000 $3,448 2.88%
    BANGOR, ME (FHA|USDA|VA) » 1 $265,000 $265,000 $2,789 2.13%
    Bartlesville, OK (FHA|USDA|VA) » 1 $265,000 $265,000 $2,837 2.50%
    WINCHESTER, VA-WV (FHA|USDA|VA) » 1 $265,000 $265,000 $2,251 2.25%
    Laramie, WY (FHA|USDA|VA) » 1 $265,000 $265,000 $2,052 2.25%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) » 1 $265,000 $265,000 $3,190 2.25%
    WICHITA FALLS, TX (FHA|USDA|VA) » 1 $265,000 $265,000 $2,413 2.13%
    Whitewater, WI (FHA|USDA|VA) » 1 $265,000 $265,000 $1,828 2.75%
    Warsaw, IN (FHA|USDA|VA) » 1 $265,000 $265,000 $2,880 2.25%
    BILLINGS, MT (FHA|USDA|VA) » 1 $265,000 $265,000 $3,903 2.75%
    HOT SPRINGS, AR (FHA|USDA|VA) » 1 $265,000 $265,000 $2,561 2.25%
    GREENVILLE, NC (FHA|USDA|VA) » 1 $255,000 $255,000 $5,654 2.38%
    SPRINGFIELD, OH (FHA|USDA|VA) » 1 $255,000 $255,000 $8,777 2.75%
    Danville, KY (FHA|USDA|VA) » 1 $255,000 $255,000 $1,262 2.38%
    Fort Polk South, LA (FHA|USDA|VA) » 1 $255,000 $255,000 $1,833 2.25%
    Minden, LA (FHA|USDA|VA) » 1 $255,000 $255,000 $3,456 3.38%
    KOKOMO, IN (FHA|USDA|VA) » 1 $255,000 $255,000 $2,679 3.00%
    Searcy, AR (FHA|USDA|VA) » 1 $255,000 $255,000 $1,929 2.63%
    GREEN BAY, WI (FHA|USDA|VA) » 1 $255,000 $255,000 $2,249 2.25%
    Greenwood, SC (FHA|USDA|VA) » 1 $255,000 $255,000 $2,584 2.88%
    Helena, MT (FHA|USDA|VA) » 1 $255,000 $255,000 $4,282 3.00%
    MANKATO, MN (FHA|USDA|VA) » 1 $245,000 $245,000 $2,052 2.38%
    GETTYSBURG, PA (FHA|USDA|VA) » 1 $245,000 $245,000 $2,903 2.63%
    Clarksdale, MS (FHA|USDA|VA) » 1 $245,000 $245,000 $2,383 2.25%
    MORRISTOWN, TN (FHA|USDA|VA) » 1 $245,000 $245,000 $750 2.25%
    PEORIA, IL (FHA|USDA|VA) » 2 $240,000 $120,000 $4,926 3.00%
    Albemarle, NC (FHA|USDA|VA) » 1 $235,000 $235,000 $2,186 3.13%
    Salem, OH (FHA|USDA|VA) » 1 $235,000 $235,000 $3,811 2.75%
    FLINT, MI (FHA|USDA|VA) » 1 $235,000 $235,000 $2,682 2.75%
    HINESVILLE, GA (FHA|USDA|VA) » 1 $225,000 $225,000 $7,918 2.50%
    BOWLING GREEN, KY (FHA|USDA|VA) » 1 $225,000 $225,000 $2,157 2.50%
    DuBois, PA (FHA|USDA|VA) » 1 $225,000 $225,000 $2,980 3.38%
    ALBANY, GA (FHA|USDA|VA) » 1 $225,000 $225,000 $2,163 2.25%
    GAINESVILLE, FL (FHA|USDA|VA) » 1 $215,000 $215,000 $3,634 3.25%
    Celina, OH (FHA|USDA|VA) » 1 $205,000 $205,000 $4,941 2.75%
    Palestine, TX (FHA|USDA|VA) » 1 $205,000 $205,000 $2,527 2.63%
    Hays, KS (FHA|USDA|VA) » 1 $205,000 $205,000 $8,403 2.38%
    Faribault-Northfield, MN (FHA|USDA|VA) » 1 $195,000 $195,000 $3,336 3.13%
    ROCKFORD, IL (FHA|USDA|VA) » 1 $185,000 $185,000 $2,101 2.50%
    Moberly, MO (FHA|USDA|VA) » 1 $175,000 $175,000 $1,883 2.75%
    CANTON-MASSILLON, OH (FHA|USDA|VA) » 1 $175,000 $175,000 $2,359 2.50%
    Ogdensburg-Massena, NY (FHA|USDA|VA) » 1 $165,000 $165,000 $1,758 3.38%
    GRAND FORKS, ND-MN (FHA|USDA|VA) » 1 $165,000 $165,000 $6,283 2.75%
    Sidney, OH (FHA|USDA|VA) » 1 $165,000 $165,000 $5,398 2.25%
    LAWTON, OK (FHA|USDA|VA) » 1 $165,000 $165,000 $3,339 2.75%
    Lincoln, IL (FHA|USDA|VA) » 1 $165,000 $165,000 $5,229 3.25%
    ST. CLOUD, MN (FHA|USDA|VA) » 1 $155,000 $155,000 $3,020 3.50%
    WHEELING, WV-OH (FHA|USDA|VA) » 1 $155,000 $155,000 $7,384 2.63%
    GOLDSBORO, NC (FHA|USDA|VA) » 1 $155,000 $155,000 $2,318 2.25%
    Woodward, OK (FHA|USDA|VA) » 1 $145,000 $145,000 $1,451 2.63%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) » 1 $145,000 $145,000 $3,036 3.63%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) » 1 $135,000 $135,000 $5,054 2.75%
    LAREDO, TX (FHA|USDA|VA) » 1 $135,000 $135,000 $2,933 2.88%
    MIDLAND, MI (FHA|USDA|VA) » 1 $135,000 $135,000 $6,778 2.88%
    Wilson, NC (FHA|USDA|VA) » 1 $135,000 $135,000 $3,064 3.50%
    Coldwater, MI (FHA|USDA|VA) » 1 $135,000 $135,000 $2,151 3.00%
    Rutland, VT (FHA|USDA|VA) » 1 $135,000 $135,000 $2,779 3.13%
    CEDAR RAPIDS, IA (FHA|USDA|VA) » 1 $135,000 $135,000 $5,219 2.88%
    BINGHAMTON, NY (FHA|USDA|VA) » 1 $125,000 $125,000 $2,239 2.63%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) » 1 $125,000 $125,000 $2,641 4.00%
    CaƱon City, CO (FHA|USDA|VA) » 1 $105,000 $105,000 $956 2.75%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) » 1 $95,000 $95,000 $2,876 3.50%
    IOWA CITY, IA (FHA|USDA|VA) » 1 $95,000 $95,000 $2,823 3.88%
    Ozark, AL (FHA|USDA|VA) » 1 $95,000 $95,000 $4,490 2.88%
    Pittsburg, KS (FHA|USDA|VA) » 1 $95,000 $95,000 $4,713 3.38%
    Pottsville, PA (FHA|USDA|VA) » 1 $75,000 $75,000 $5,814 4.25%
    Galesburg, IL (FHA|USDA|VA) » 1 $65,000 $65,000 $3,598 2.75%

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

    Product Mix

    Loan Type Originations Total Value Average Loan Average Fees Average Rate
    Conventional » 4,130 $1,436,280,000 $347,768 $3,401 2.85%
    VA » 2,089 $845,745,000 $404,856 $5,111 2.34%
    FHA » 228 $45,310,000 $198,728 $6,604 2.84%
    USDA » 100 $13,410,000 $134,100 $3,938 2.99%

    For the 2021 period, Bnc National Bank's most frequently originated loan type of loans were Conventional, with 4,130 originations. Their 2nd most popular type is VA, with 2,089 originations.

    Loan Reason

    Loan Reason Originations Total Value Average Loan Average Fees Average Rate
    Refi » 3,031 $1,123,325,000 $370,612 $2,880 2.52%
    Home Purchase » 2,036 $681,800,000 $334,872 $5,614 2.82%
    Cash Out Refi » 1,273 $489,235,000 $384,317 $4,510 2.75%
    Other » 110 $14,710,000 $133,727 $607 3.90%
    Home Improvement » 97 $31,675,000 $326,546 $4,857 3.02%

    For the 2021, Bnc National Bank's most frequently cited loan purpose of loans were Refi, with 3,031 originations. The 2nd most popular reason of loans were Home Purchase, with 2,036 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year » 5,602 $2,077,320,000 $370,818 $4,241 2.69%
    15 Year » 507 $148,305,000 $292,515 $3,092 2.35%
    20 Year » 159 $53,305,000 $335,252 $3,071 2.67%
    5 Year » 107 $13,415,000 $125,374 $282 3.75%
    Other » 92 $27,630,000 $300,326 $2,179 3.12%
    10 Year » 74 $20,330,000 $274,730 $2,998 2.66%
    1 Year » 4 $350,000 $87,500 $523 4.25%
    3 Year » 2 $90,000 $45,000 $639 5.75%

    For the 2021, Bnc National Bank's most frequently cited loan length of loans were 30 Year, with 5,602 originations. The 2nd most popular length of loans were 15 Year, with 507 originations.

    Origination Fees

    Origination Fee Originations Total Value Average Loan
    $1k-2k » 3,708 $1,283,050,000 $346,022
    $<1k » 2,102 $799,080,000 $380,152
    $2k-3k » 323 $115,045,000 $356,176
    $3k-4k » 136 $54,570,000 $401,250
    $5k+ » 91 $41,955,000 $461,044
    $4k-5k » 54 $24,280,000 $449,630

    $4,241 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 3,708 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% » 2,826 $1,125,930,000 $398,418
    2.5-3% » 2,604 $947,040,000 $363,687
    3-4% » 1,041 $255,025,000 $244,981
    4-5% » 68 $11,730,000 $172,500
    5-6% » 4 $230,000 $57,500
    6-7% » 1 $755,000 $755,000

    During 2021, Bnc National Bank's average interest rate of loans were 2.69%, while their most frequently originated rate bucket of loans were <2.5%, with 2,826 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k » 3,036 $927,540,000 $305,514 $3,715 2.63%
    $400k-600k » 1,953 $938,485,000 $480,535 $4,343 2.58%
    $100k-200k » 891 $134,645,000 $151,117 $3,345 3.01%
    $600k-1MM » 356 $265,520,000 $745,843 $6,644 2.58%
    $100,000 or less » 269 $19,425,000 $72,212 $2,734 3.35%
    $1MM+ » 42 $55,130,000 $1,312,619 $18,274 2.39%

    2021 saw Bnc National Bank place emphasis on $200k-400k loans with 3,036 originations, totaling $927,540,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k » 1,443 $530,615,000 $367,717 $4,470 2.74%
    $150k-250k » 1,370 $605,180,000 $441,737 $4,375 2.73%
    $50k or less » 909 $241,395,000 $265,561 $3,044 2.61%
    $75k-100k » 839 $257,195,000 $306,549 $4,672 2.78%
    $50k-75k » 704 $169,530,000 $240,810 $4,405 2.83%
    $250k+ » 501 $254,135,000 $507,255 $4,962 2.74%

    Bnc National Bank lent most frequently to those with incomes in the $100k-150k range, with 1,443 originations. The second most popular income band? $150k-250k, with 1,370 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% » 1,376 $498,950,000 $362,609 $4,044 2.74%
    30-36% » 931 $327,405,000 $351,670 $4,161 2.78%
    <20% » 536 $184,500,000 $344,216 $3,293 2.73%
    50-60% » 235 $89,135,000 $379,298 $8,231 2.57%
    41% » 197 $66,715,000 $338,655 $4,481 2.90%
    36% » 190 $62,480,000 $328,842 $4,116 2.84%
    38% » 187 $64,715,000 $346,070 $4,621 2.84%
    44% » 184 $64,260,000 $349,239 $4,482 2.80%
    40% » 181 $59,065,000 $326,326 $4,347 2.85%
    43% » 176 $64,820,000 $368,295 $5,186 2.82%
    42% » 171 $60,435,000 $353,421 $4,800 2.84%
    39% » 170 $56,990,000 $335,235 $4,519 2.84%
    37% » 159 $55,395,000 $348,396 $3,950 2.83%
    45% » 134 $45,510,000 $339,627 $4,734 2.82%
    46% » 133 $50,235,000 $377,707 $5,390 2.85%
    47% » 133 $46,285,000 $348,008 $4,681 2.75%
    49% » 119 $42,175,000 $354,412 $4,014 2.81%
    48% » 118 $44,870,000 $380,254 $5,596 2.80%
    >60% » 27 $10,425,000 $386,111 $7,045 2.49%

    Bnc National Bank lent most frequently to those with DTI ratios of 20-30%, with 1,376 originations. The next most common DTI ratio? 30-36%, with 931 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White » 4,571 $1,551,665,000 $339,459 $4,065 2.72%
    Not provided » 1,226 $501,170,000 $408,785 $4,176 2.59%
    Asian » 410 $170,530,000 $415,927 $3,769 2.67%
    Black » 256 $88,560,000 $345,938 $4,363 2.63%
    American Indian » 56 $17,360,000 $310,000 $4,246 2.69%
    Not applicable » 17 $6,925,000 $407,353 $0 4.22%
    Native Hawaiian or Islander » 8 $2,910,000 $363,750 $4,010 2.70%
    Other Asian » 1 $755,000 $755,000 $2,430 2.88%
    Filipino » 1 $445,000 $445,000 $913 2.25%
    Asian Indian » 1 $425,000 $425,000 $2,148 2.50%

    Approval Rates

    Total approvals of all applications
    90.78%

    Bnc National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    62.56%

    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 6,547 $2,340,745,000 $357,529

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    » 6,547 $2,340,745,000 $357,529

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% » 266 $74,900,000 $281,579 $3,233 2.87%
    40-60% » 1,003 $372,035,000 $370,922 $3,158 2.67%
    60-80% » 2,092 $776,570,000 $371,209 $3,786 2.82%
    80-100% » 2,678 $937,970,000 $350,250 $4,289 2.62%
    Over 100% » 177 $74,755,000 $422,345 $13,394 2.39%
    Under 20% » 63 $5,995,000 $95,159 $1,414 3.66%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    BANKUNITED, NATIONAL ASSOCIATION Conventional home mortgage Trouble during payment process 2 66.7%
    BANKUNITED, NATIONAL ASSOCIATION Other type of mortgage Closing on a mortgage 1 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bnc National Bank 104 North Broadway Linton, ND 58552 Full Service B&M $74,296
    Bnc National Bank 210 South Main Street Stanley, ND 58784 Full Service B&M $70,700
    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 $36,384
    Bnc National Bank 3000 Yorktown Drive Bismarck, ND 58503 Full Service B&M $23,303
    Bnc National Bank 322 East Main Avenue Bismarck, ND 58501 Full Service B&M $393,559
    Bnc National Bank 801 East Century Avenue Bismarck, ND 58501 Full Service B&M $52,162
    Bnc National Bank 92 North Main Street Garrison, ND 58540 Full Service B&M $27,786
    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 $105,306
    Bnc National Bank 205 North Main Street Watford City, ND 58854 Full Service B&M $57,360
    Bnc National Bank 206 South Main Street Crosby, ND 58730 Full Service B&M $47,505

    For 2021, Bnc National Bank had 12 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $33,470
    Net interest income $31,535
    Total noninterest income $44,983
    Gross Fiduciary activities income $2,454
    Service charges on deposit accounts $461
    Trading account gains and fees $0
    Additional Noninterest Income $42,068
    Pre-tax net operating income $29,548
    Securities gains (or losses, -) $0
    Income before extraordinary items $22,575
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $22,575
    Minority interest net income $0
    Net income $22,575
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $22,575

    Bnc National Bank's gross interest income from loans was $33,470,000.
    Bnc National Bank's net interest income from loans was $31,535,000.
    Bnc National Bank's fee based income from loans was $461,000.
    Bnc National Bank's net income from loans was $22,575,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,935
    Provision for credit losses $-350
    Total noninterest expense $47,320
    Salaries and employee benefits $24,356
    Premises and equipment expense $5,304
    Additional noninterest expense $17,660
    Applicable income taxes $6,973
    Net charge-offs $894
    Cash dividends $25,000

    Bnc National Bank's interest expense for loans was $1,935,000.
    Bnc National Bank's payroll and benefits expense were $24,356,000.
    Bnc National Bank's property, plant and equipment expenses $5,304,000.

    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 $917,896
    Deposits held in domestic offices $917,896
    Deposits by Individuals, partnerships, and corporations $887,019
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $30,877
    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 $464,298
    Demand deposits $293,754
    Nontransaction accounts $453,598
    Money market deposit accounts (MMDAs) $328,071
    Other savings deposits (excluding MMDAs) $50,098
    Total time deposits $75,429
    Total time and savings deposits $624,142
    Noninterest-bearing deposits $186,641
    Interest-bearing deposits $731,255
    Retail deposits $899,909
    IRAs and Keogh plan accounts $6,692
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,046,501
    Cash & Balances due from depository institutions $187,556
    Interest-bearing balances $177,238
    Total securities $208,978
    Federal funds sold & reverse repurchase $0
    Net loans and leases $601,636
    Loan and leases loss allowance $9,080
    Trading account assets $0
    Bank premises and fixed assets $14,644
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $33,687

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,046,501
    Total Liabilities $928,245
    Total deposits $917,896
    Interest-bearing deposits $731,255
    Deposits held in domestic offices $917,896
    % insured (estimated) $61
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $2,302
    Subordinated debt $0
    All other liabilities $8,047

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $601,636
    Loan and leases loss allowance $9,080
    Total loans and leases (domestic) $610,716
    All real estate loans $466,763
    Real estate loans in domestic offices $466,763
    Construction and development loans $36,065
    Residential 1-4 family construction $8,600
    Other construction, all land development and other land $27,465
    Loans secured by nonfarm nonresidential properties $276,392
    Nonfarm nonresidential secured by owner-occupied properties $98,528
    Commercial real estate & other non-farm, non-residential $177,864
    Multifamily residential real estate $27,474
    1-4 family residential loans $112,245
    Farmland loans $14,587
    Loans held in foreign offices $0
    Farm loans $11,941
    Commercial and industrial loans $81,020
    To non-U.S. addressees $0
    Loans to individuals $47,781
    Credit card loans $0
    Related Plans $1,484
    Consumer Auto Loans $13,554
    Other loans to individuals $32,743
    All other loans & leases $3,211
    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 $2,609
    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 $601,636,000 of loans outstanding in 2021. $466,763,000 of loans were in real estate loans. $36,065,000 of loans were in development loans. $27,474,000 of loans were in multifamily mortgage loans. $112,245,000 of loans were in 1-4 family mortgage loans. $11,941,000 of loans were in farm loans. $0 of loans were in credit card loans. $13,554,000 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 189 $51,471 $272,333
    Nonfarm, nonresidential loans - <$100k 22 $909 $41,318
    Nonfarm, nonresidential loans - $100-250k 51 $7,613 $149,275
    Nonfarm, nonresidential loans - $250k-1MM 116 $42,949 $370,250
    Commercial & Industrial, US addressed loans - <$1MM 639 $51,221 $80,158
    Commercial & Industrial, US addressed loans - <$100k 367 $9,354 $25,488
    Commercial & Industrial, US addressed loans - $100-250k 142 $12,431 $87,542
    Commercial & Industrial, US addressed loans - $250k-1MM 130 $29,436 $226,431
    Farmland loans - <$1MM 39 $5,707 $146,333
    Farmland loans - <$100k 12 $463 $38,583
    Farmland loans - $100-250k 14 $1,869 $133,500
    Farmland loans - $250k-1MM 13 $3,375 $259,615
    Agriculture operations loans - <$1MM 112 $5,104 $45,571
    Agriculture operations loans - <$100k 74 $2,002 $27,054
    Agriculture operations loans - $100-250k 29 $2,127 $73,345
    Agriculture operations loans - $250k-1MM 9 $975 $108,333