Bnc National Bank Mortgage Rates, Fees & Info

Glendale, AZ

LEI: 549300LH06ZZHKPX5U83

Tax ID: 86-1024756

5 stars - Updated: 7/12/24 - out of 5 stars, based on 34 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Bnc National Bank is a smaller bank specializing in Home Purchase 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, New York, Dallas, Austin, and Houston among others. We have data for 259 markets. (Some data included below & more in-depth data is available with an active subscription.)

Bnc National Bank has an 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. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high 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 the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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
Home Equity Line of Credit (HELOC) 6.22% 7/12/24
30 Year Conventional Purchase 6.28% 7/12/24
30 Year Conventional Refi 6.37% 7/12/24
30 Year Cash-out Refi 6.50% 7/12/24
30 Year FHA Purchase 7.25% 7/12/24
30 Year FHA Refi 7.78% 7/12/24
30 Year VA Purchase 5.77% 7/12/24
30 Year VA Refi 5.66% 7/12/24
30 Year USDA Purchase 6.79% 7/12/24
15 Year Conventional Purchase 5.56% 7/12/24
15 Year Conventional Refi 5.88% 7/12/24
15 Year Cash-out Refi 5.88% 7/12/24
15 Year FHA Purchase 5.68% 7/12/24
15 Year VA Refi 5.53% 7/12/24
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.

Bnc National Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Bnc National Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,139

Origination Dollar Volume (All Markets)

$447,575,000
Show all (22) awards

Relative Rate

Bnc National Bank's average 30 year fixed mortgage rate was 5.86%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.62%.

Relative Fees (Closing Costs)

Bnc National Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $7,616.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

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) 46 $28,140,000 $611,739 $8,433 5.57%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 35 $18,665,000 $533,286 $8,257 5.85%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 35 $16,125,000 $460,714 $9,996 5.74%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 26 $13,590,000 $522,692 $7,160 5.85%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 31 $12,615,000 $406,935 $7,756 5.65%
Outside of Metro Areas 56 $12,510,000 $223,393 $3,782 6.76%
BISMARCK, ND (FHA|USDA|VA) 84 $11,280,000 $134,286 $1,903 7.35%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 28 $10,600,000 $378,571 $6,920 5.89%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 22 $9,940,000 $451,818 $8,373 5.81%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 22 $9,930,000 $451,364 $8,567 5.82%
KANSAS CITY, MO-KS (FHA|USDA|VA) 33 $9,655,000 $292,576 $4,063 6.15%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 18 $9,360,000 $520,000 $9,077 5.87%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 17 $8,725,000 $513,235 $12,018 6.07%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 17 $8,595,000 $505,588 $9,408 5.68%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 17 $7,645,000 $449,706 $8,086 5.93%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 16 $7,610,000 $475,625 $8,154 5.93%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 18 $7,370,000 $409,444 $8,139 5.69%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 14 $6,730,000 $480,714 $5,757 5.71%
COLORADO SPRINGS, CO (FHA|USDA|VA) 12 $6,220,000 $518,333 $9,700 5.51%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 11 $5,745,000 $522,273 $6,602 6.08%
RALEIGH-CARY, NC (FHA|USDA|VA) 12 $5,680,000 $473,333 $12,248 5.44%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 11 $5,405,000 $491,364 $6,388 5.75%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 11 $4,835,000 $439,545 $8,759 5.83%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 7 $4,685,000 $669,286 $6,198 6.18%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 13 $4,325,000 $332,692 $8,055 6.12%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 9 $4,175,000 $463,889 $7,500 5.74%
JACKSONVILLE, FL (FHA|USDA|VA) 10 $4,140,000 $414,000 $9,290 5.93%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 6 $4,010,000 $668,333 $6,251 5.90%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 6 $3,990,000 $665,000 $15,556 5.69%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 8 $3,950,000 $493,750 $8,291 5.75%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 8 $3,690,000 $461,250 $5,182 5.83%
OKLAHOMA CITY, OK (FHA|USDA|VA) 11 $3,635,000 $330,455 $7,510 5.84%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 8 $3,560,000 $445,000 $9,130 5.52%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 9 $3,355,000 $372,778 $10,885 5.56%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 21 $3,345,000 $159,286 $4,918 6.38%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 5 $3,315,000 $663,000 $8,583 5.40%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 14 $3,280,000 $234,286 $6,977 7.17%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 5 $3,085,000 $617,000 $13,993 5.55%
HUNTSVILLE, AL (FHA|USDA|VA) 6 $2,770,000 $461,667 $4,728 5.90%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 8 $2,680,000 $335,000 $5,638 6.16%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 4 $2,580,000 $645,000 $3,588 6.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 6 $2,570,000 $428,333 $12,228 5.42%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 6 $2,560,000 $426,667 $8,100 5.54%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 5 $2,485,000 $497,000 $3,780 6.03%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $2,460,000 $410,000 $7,193 5.77%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 6 $2,390,000 $398,333 $7,863 5.92%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 5 $2,365,000 $473,000 $2,651 5.48%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 6 $2,350,000 $391,667 $8,874 5.42%
COLUMBIA, SC (FHA|USDA|VA) 6 $2,210,000 $368,333 $4,187 6.19%
LOUISVILLE, KY (FHA|USDA|VA) 6 $2,180,000 $363,333 $8,054 6.08%
RICHMOND, VA (FHA|USDA|VA) 6 $2,140,000 $356,667 $6,476 6.08%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $1,900,000 $475,000 $3,632 5.97%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 6 $1,890,000 $315,000 $6,060 5.79%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 3 $1,845,000 $615,000 $4,341 5.54%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,765,000 $588,333 $7,345 6.08%
PANAMA CITY, FL (FHA|USDA|VA) 5 $1,735,000 $347,000 $4,272 6.33%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 4 $1,680,000 $420,000 $8,722 5.50%
KNOXVILLE, TN (FHA|USDA|VA) 5 $1,675,000 $335,000 $4,894 6.43%
TULSA, OK (FHA|USDA|VA) 5 $1,635,000 $327,000 $5,334 6.05%
LAS CRUCES, NM (FHA|USDA|VA) 4 $1,620,000 $405,000 $6,006 5.63%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $1,610,000 $805,000 $5,774 5.88%
BOULDER, CO (FHA|USDA|VA) 3 $1,595,000 $531,667 $3,101 6.04%
WILMINGTON, NC (FHA|USDA|VA) 4 $1,550,000 $387,500 $6,943 5.94%
TUCSON, AZ (FHA|USDA|VA) 3 $1,495,000 $498,333 $12,137 5.50%
COLUMBUS, OH (FHA|USDA|VA) 4 $1,490,000 $372,500 $4,480 5.97%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $1,485,000 $495,000 $4,749 6.04%
ALBUQUERQUE, NM (FHA|USDA|VA) 5 $1,425,000 $285,000 $5,828 5.85%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $1,360,000 $340,000 $7,127 5.72%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $1,350,000 $337,500 $9,354 5.53%
STOCKTON, CA (FHA|USDA|VA) 3 $1,325,000 $441,667 $4,637 6.00%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $1,325,000 $441,667 $5,247 5.83%
BOISE CITY, ID (FHA|USDA|VA) 3 $1,295,000 $431,667 $5,339 5.67%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 3 $1,285,000 $428,333 $12,729 5.46%
ROANOKE, VA (FHA|USDA|VA) 3 $1,195,000 $398,333 $4,028 5.88%
BATON ROUGE, LA (FHA|USDA|VA) 4 $1,170,000 $292,500 $6,465 5.91%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,165,000 $388,333 $4,609 6.00%
Morehead City, NC (FHA|USDA|VA) 3 $1,155,000 $385,000 $9,592 5.42%
Helena, MT (FHA|USDA|VA) 2 $1,120,000 $560,000 $3,286 5.44%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $1,085,000 $361,667 $3,565 6.08%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $1,070,000 $535,000 $6,856 5.56%
SALINAS, CA (FHA|USDA|VA) 1 $985,000 $985,000 $24,542 5.63%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $970,000 $485,000 $8,092 5.50%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $955,000 $318,333 $4,944 5.88%
RENO, NV (FHA|USDA|VA) 2 $950,000 $475,000 $3,986 6.00%
JOHNSON CITY, TN (FHA|USDA|VA) 2 $940,000 $470,000 $4,143 5.69%
Gardnerville Ranchos, NV (FHA|USDA|VA) 2 $940,000 $470,000 $5,891 5.69%
ASHEVILLE, NC (FHA|USDA|VA) 2 $930,000 $465,000 $4,297 6.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $920,000 $460,000 $5,201 5.19%
MODESTO, CA (FHA|USDA|VA) 2 $870,000 $435,000 $6,621 5.50%
PITTSBURGH, PA (FHA|USDA|VA) 2 $860,000 $430,000 $12,069 5.88%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $855,000 $285,000 $5,065 5.71%
LaGrange, GA-AL (FHA|USDA|VA) 2 $830,000 $415,000 $5,480 5.94%
Warrensburg, MO (FHA|USDA|VA) 3 $825,000 $275,000 $6,576 5.92%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 3 $805,000 $268,333 $4,683 6.08%
Burlington, IA-IL (FHA|USDA|VA) 7 $805,000 $115,000 $5,547 6.64%
VALLEJO, CA (FHA|USDA|VA) 1 $775,000 $775,000 $15,149 5.50%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $770,000 $385,000 $6,148 5.63%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $760,000 $380,000 $9,185 5.69%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $750,000 $375,000 $7,331 6.13%
MOBILE, AL (FHA|USDA|VA) 2 $750,000 $375,000 $5,774 5.63%
GREELEY, CO (FHA|USDA|VA) 2 $740,000 $370,000 $11,255 5.69%
Granbury, TX (FHA|USDA|VA) 2 $740,000 $370,000 $7,886 6.00%
IDAHO FALLS, ID (FHA|USDA|VA) 2 $730,000 $365,000 $11,047 5.31%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $720,000 $360,000 $3,077 5.50%
Show Low, AZ (FHA|USDA|VA) 1 $705,000 $705,000 $14,065 7.63%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $685,000 $685,000 $3,380 5.75%
Alamogordo, NM (FHA|USDA|VA) 2 $680,000 $340,000 $10,281 5.44%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $675,000 $675,000 $3,305 5.50%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $670,000 $335,000 $6,818 5.63%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $660,000 $330,000 $4,414 6.06%
Laconia, NH (FHA|USDA|VA) 1 $645,000 $645,000 $4,239 6.13%
BEND, OR (FHA|USDA|VA) 1 $635,000 $635,000 $5,630 6.00%
Heber, UT (FHA|USDA|VA) 1 $625,000 $625,000 $4,349 5.50%
Scottsboro, AL (FHA|USDA|VA) 2 $610,000 $305,000 $3,428 6.19%
MONTGOMERY, AL (FHA|USDA|VA) 3 $605,000 $201,667 $6,133 6.42%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $590,000 $295,000 $6,398 5.75%
Jefferson, GA (FHA|USDA|VA) 1 $585,000 $585,000 $17,856 6.63%
WENATCHEE, WA (FHA|USDA|VA) 1 $585,000 $585,000 $5,049 7.00%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $580,000 $290,000 $4,612 6.06%
Thomaston, GA (FHA|USDA|VA) 1 $575,000 $575,000 $3,757 5.25%
CORVALLIS, OR (FHA|USDA|VA) 1 $565,000 $565,000 $4,143 5.13%
FORT WAYNE, IN (FHA|USDA|VA) 1 $565,000 $565,000 $2,449 5.88%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $555,000 $555,000 $10,047 5.25%
Whitewater, WI (FHA|USDA|VA) 1 $555,000 $555,000 $9,379 5.25%
Keene, NH (FHA|USDA|VA) 1 $555,000 $555,000 $2,731 5.25%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $555,000 $555,000 $11,454 5.25%
Bozeman, MT (FHA|USDA|VA) 1 $555,000 $555,000 $20,886 5.25%
Americus, GA (FHA|USDA|VA) 1 $555,000 $555,000 $4,410 6.13%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $555,000 $555,000 $20,620 5.63%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $550,000 $275,000 $4,285 5.94%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $550,000 $275,000 $8,279 6.06%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $530,000 $265,000 $6,616 5.44%
Los Alamos, NM (FHA|USDA|VA) 1 $525,000 $525,000 $10,426 5.63%
ERIE, PA (FHA|USDA|VA) 1 $525,000 $525,000 $4,804 5.13%
PROVO-OREM, UT (FHA|USDA|VA) 1 $525,000 $525,000 $2,847 5.88%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $525,000 $525,000 $3,677 5.75%
GREEN BAY, WI (FHA|USDA|VA) 1 $515,000 $515,000 $2,558 5.63%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $510,000 $255,000 $7,074 5.63%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $510,000 $255,000 $9,198 5.50%
Cookeville, TN (FHA|USDA|VA) 1 $505,000 $505,000 $3,535 5.38%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $505,000 $505,000 $3,491 5.13%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $505,000 $505,000 $14,279 5.75%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $505,000 $505,000 $9,139 5.63%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $505,000 $505,000 $9,802 5.13%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $505,000 $505,000 $6,320 5.00%
JACKSON, MS (FHA|USDA|VA) 1 $495,000 $495,000 $6,762 5.63%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $495,000 $495,000 $9,183 4.63%
MANHATTAN, KS (FHA|USDA|VA) 1 $485,000 $485,000 $8,147 5.75%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $475,000 $475,000 $13,335 5.63%
CARSON CITY, NV (FHA|USDA|VA) 1 $475,000 $475,000 $8,983 6.50%
Jackson, WY-ID (FHA|USDA|VA) 1 $475,000 $475,000 $4,999 5.88%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 2 $470,000 $235,000 $5,300 5.81%
Clovis, NM (FHA|USDA|VA) 2 $470,000 $235,000 $3,345 5.94%
CHICO, CA (FHA|USDA|VA) 1 $455,000 $455,000 $3,663 5.88%
MEDFORD, OR (FHA|USDA|VA) 1 $455,000 $455,000 $0 6.25%
Branson, MO (FHA|USDA|VA) 1 $455,000 $455,000 $9,851 5.75%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $435,000 $435,000 $8,442 5.63%
Sidney, OH (FHA|USDA|VA) 1 $435,000 $435,000 $13,482 5.25%
Lufkin, TX (FHA|USDA|VA) 1 $435,000 $435,000 $13,747 5.50%
Calhoun, GA (FHA|USDA|VA) 1 $415,000 $415,000 $21,341 5.75%
SAVANNAH, GA (FHA|USDA|VA) 1 $415,000 $415,000 $3,105 5.25%
MADISON, WI (FHA|USDA|VA) 1 $415,000 $415,000 $3,742 5.88%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $415,000 $415,000 $5,392 5.75%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $410,000 $205,000 $8,081 5.31%
Barre, VT (FHA|USDA|VA) 2 $410,000 $205,000 $5,776 5.94%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $405,000 $405,000 $7,275 5.13%
LAWTON, OK (FHA|USDA|VA) 1 $405,000 $405,000 $8,186 5.13%
GAINESVILLE, GA (FHA|USDA|VA) 1 $405,000 $405,000 $7,773 5.88%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $405,000 $405,000 $7,463 5.50%
Brevard, NC (FHA|USDA|VA) 1 $405,000 $405,000 $6,150 6.13%
Mount Pleasant, TX (FHA|USDA|VA) 1 $395,000 $395,000 $4,945 5.25%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $395,000 $395,000 $5,972 5.00%
Marion, NC (FHA|USDA|VA) 1 $395,000 $395,000 $8,774 5.75%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $385,000 $385,000 $7,964 5.50%
LINCOLN, NE (FHA|USDA|VA) 1 $385,000 $385,000 $2,633 6.88%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $385,000 $385,000 $5,452 5.25%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $385,000 $385,000 $4,532 5.38%
RACINE, WI (FHA|USDA|VA) 1 $375,000 $375,000 $17,495 5.63%
Riverton, WY (FHA|USDA|VA) 1 $375,000 $375,000 $7,625 5.88%
Fort Payne, AL (FHA|USDA|VA) 1 $375,000 $375,000 $12,759 4.75%
Mountain Home, ID (FHA|USDA|VA) 1 $365,000 $365,000 $14,795 5.25%
DECATUR, AL (FHA|USDA|VA) 1 $365,000 $365,000 $18,066 5.13%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $365,000 $365,000 $5,743 5.50%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $365,000 $365,000 $4,220 6.13%
LANCASTER, PA (FHA|USDA|VA) 1 $365,000 $365,000 $4,676 5.25%
VALDOSTA, GA (FHA|USDA|VA) 1 $365,000 $365,000 $15,042 5.63%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $365,000 $365,000 $5,015 5.25%
READING, PA (FHA|USDA|VA) 1 $365,000 $365,000 $7,713 5.75%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $355,000 $355,000 $5,408 5.75%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $355,000 $355,000 $4,434 5.88%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $355,000 $355,000 $5,190 5.88%
St. Marys, GA (FHA|USDA|VA) 1 $355,000 $355,000 $7,643 5.50%
Washington, NC (FHA|USDA|VA) 1 $355,000 $355,000 $3,703 5.75%
WICHITA, KS (FHA|USDA|VA) 1 $355,000 $355,000 $3,619 5.88%
CHARLESTON, WV (FHA|USDA|VA) 1 $345,000 $345,000 $3,032 6.13%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $345,000 $345,000 $2,946 5.75%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $335,000 $335,000 $5,045 5.88%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $335,000 $335,000 $2,942 5.63%
LYNCHBURG, VA (FHA|USDA|VA) 1 $335,000 $335,000 $3,845 5.88%
La Grande, OR (FHA|USDA|VA) 1 $325,000 $325,000 $9,016 6.25%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $325,000 $325,000 $7,613 6.00%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $325,000 $325,000 $5,368 6.88%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $325,000 $325,000 $4,345 6.00%
HINESVILLE, GA (FHA|USDA|VA) 1 $315,000 $315,000 $3,505 5.75%
MONROE, MI (FHA|USDA|VA) 1 $315,000 $315,000 $8,040 5.13%
DULUTH, MN-WI (FHA|USDA|VA) 1 $315,000 $315,000 $3,493 6.00%
EspaƱola, NM (FHA|USDA|VA) 1 $315,000 $315,000 $4,288 6.50%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $315,000 $315,000 $4,651 6.00%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $305,000 $305,000 $14,498 5.38%
Grenada, MS (FHA|USDA|VA) 1 $305,000 $305,000 $3,814 5.88%
SAN ANGELO, TX (FHA|USDA|VA) 1 $305,000 $305,000 $3,756 5.88%
Berlin, NH (FHA|USDA|VA) 1 $305,000 $305,000 $4,298 6.00%
SAGINAW, MI (FHA|USDA|VA) 1 $305,000 $305,000 $3,350 5.88%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $305,000 $305,000 $7,498 5.50%
Cullman, AL (FHA|USDA|VA) 1 $305,000 $305,000 $3,235 6.13%
POCATELLO, ID (FHA|USDA|VA) 1 $295,000 $295,000 $4,725 6.88%
Enterprise, AL (FHA|USDA|VA) 1 $295,000 $295,000 $6,428 5.63%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $285,000 $285,000 $8,596 6.13%
RAPID CITY, SD (FHA|USDA|VA) 1 $285,000 $285,000 $9,045 6.00%
Frankfort, KY (FHA|USDA|VA) 1 $285,000 $285,000 $8,411 5.25%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $275,000 $275,000 $10,950 5.00%
LUBBOCK, TX (FHA|USDA|VA) 1 $275,000 $275,000 $3,520 5.63%
OCALA, FL (FHA|USDA|VA) 1 $275,000 $275,000 $4,481 5.25%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $275,000 $275,000 $10,507 5.75%
Pahrump, NV (FHA|USDA|VA) 1 $275,000 $275,000 $8,335 6.00%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $265,000 $265,000 $7,323 5.00%
LAWRENCE, KS (FHA|USDA|VA) 1 $265,000 $265,000 $8,316 6.00%
TOLEDO, OH (FHA|USDA|VA) 1 $265,000 $265,000 $3,415 6.38%
Athens, TX (FHA|USDA|VA) 1 $255,000 $255,000 $4,275 5.63%
MIDLAND, MI (FHA|USDA|VA) 1 $255,000 $255,000 $8,092 4.88%
Altus, OK (FHA|USDA|VA) 1 $255,000 $255,000 $10,837 4.88%
MONROE, LA (FHA|USDA|VA) 1 $255,000 $255,000 $3,077 5.88%
MIDLAND, TX (FHA|USDA|VA) 1 $255,000 $255,000 $11,494 5.88%
EL PASO, TX (FHA|USDA|VA) 1 $245,000 $245,000 $5,033 6.38%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $245,000 $245,000 $2,766 5.63%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $245,000 $245,000 $4,590 5.88%
Fort Polk South, LA (FHA|USDA|VA) 1 $245,000 $245,000 $4,272 5.50%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $235,000 $235,000 $8,761 5.75%
Richmond-Berea, KY (FHA|USDA|VA) 1 $235,000 $235,000 $4,379 6.13%
Manitowoc, WI (FHA|USDA|VA) 1 $235,000 $235,000 $2,642 6.63%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $235,000 $235,000 $9,395 5.63%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $225,000 $225,000 $10,463 6.75%
FARGO, ND-MN (FHA|USDA|VA) 1 $225,000 $225,000 $4,019 6.25%
PUEBLO, CO (FHA|USDA|VA) 1 $225,000 $225,000 $10,030 5.75%
AKRON, OH (FHA|USDA|VA) 1 $215,000 $215,000 $7,393 5.75%
Moses Lake, WA (FHA|USDA|VA) 1 $215,000 $215,000 $0 6.25%
Dickinson, ND (FHA|USDA|VA) 2 $210,000 $105,000 $330 7.25%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $205,000 $205,000 $9,645 5.25%
Cedar City, UT (FHA|USDA|VA) 1 $205,000 $205,000 $3,437 6.00%
Sevierville, TN (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.63%
Columbus, MS (FHA|USDA|VA) 1 $175,000 $175,000 $2,937 5.75%
Levelland, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,218 6.13%
Mount Vernon, IL (FHA|USDA|VA) 1 $155,000 $155,000 $6,066 5.88%
Burley, ID (FHA|USDA|VA) 1 $125,000 $125,000 $5,393 6.63%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $125,000 $125,000 $3,812 6.63%
Great Bend, KS (FHA|USDA|VA) 1 $115,000 $115,000 $4,040 6.50%
Clinton, IA (FHA|USDA|VA) 1 $105,000 $105,000 $3,074 6.38%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $65,000 $65,000 $276 7.75%
Minot, ND (FHA|USDA|VA) 1 $55,000 $55,000 $326 6.32%
Bnc National Bank's top markets include Washington, New York, Dallas, Austin, and Houston among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 692 $255,330,000 $368,974 $5,081 6.14%
    VA 351 $166,875,000 $475,427 $9,871 5.51%
    FHA 60 $19,450,000 $324,167 $10,934 5.91%
    HELOC 33 $5,345,000 $161,970 n/a 8.51%
    USDA 3 $575,000 $191,667 $6,210 5.92%

    For 2023, Bnc National Bank's most frequently originated type of loan was Conventional, with 692 originations. Their 2nd most popular type was VA, with 351 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 992 $418,960,000 $422,339 $7,502 5.84%
    Other 70 $7,350,000 $105,000 $349 7.60%
    Refi 31 $12,015,000 $387,581 $5,170 6.14%
    Home Improvement 27 $2,725,000 $100,926 $868 7.56%
    Cash Out Refi 19 $6,525,000 $343,421 $7,896 6.14%

    For 2023, Bnc National Bank's most frequently cited loan purpose was Home Purchase, with 992 originations. The 2nd most popular reason was Other, with 70 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 947 $402,565,000 $425,095 $7,616 5.86%
    Other 64 $5,240,000 $81,875 $380 7.20%
    15 Year 60 $25,120,000 $418,667 $5,739 5.33%
    5 Year 36 $5,510,000 $153,056 $389 8.38%
    10 Year 18 $3,900,000 $216,667 $830 6.97%
    20 Year 14 $5,240,000 $374,286 $6,062 5.88%

    For 2023, Bnc National Bank's most frequently cited loan duration was 30 Year, with 947 originations. The 2nd most popular length was Other, with 64 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 460 $190,160,000 $413,391
    $<1k 310 $120,900,000 $390,000
    $2k-3k 107 $38,855,000 $363,131
    $5k+ 84 $40,480,000 $481,905
    $3k-4k 53 $19,745,000 $372,547
    $4k-5k 44 $17,530,000 $398,409

    Bnc National Bank's average total fees were $7,616, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 460 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 680 $305,690,000 $449,544
    6-7% 307 $101,055,000 $329,169
    7-8% 70 $12,230,000 $174,714
    4-5% 52 $23,460,000 $451,154
    Over 8% 30 $5,140,000 $171,333

    During 2023, Bnc National Bank's average interest rate for loans was 5.86%, while their most frequently originated rate bucket for loans was 5-6%, with 680 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 454 $141,400,000 $311,454 $6,507 5.89%
    $400k-600k 357 $173,715,000 $486,597 $8,187 5.70%
    $600k-1MM 139 $99,605,000 $716,583 $8,911 5.80%
    $100k-200k 97 $14,405,000 $148,505 $3,701 6.77%
    $100,000 or less 80 $4,230,000 $52,875 $930 7.40%
    $1MM+ 12 $14,220,000 $1,185,000 $22,022 5.87%

    2023 saw Bnc National Bank place emphasis on $200k-400k loans with 454 originations, totaling $141,400,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 373 $141,985,000 $380,657 $7,506 5.91%
    $150k-250k 327 $157,485,000 $481,606 $7,247 5.92%
    $75k-100k 155 $45,865,000 $295,903 $6,787 6.01%
    $250k+ 136 $71,530,000 $525,956 $7,215 6.11%
    $50k-75k 110 $24,470,000 $222,455 $5,132 6.17%
    $50k or less 23 $3,035,000 $131,957 $5,059 6.37%

    Bnc National Bank lent most frequently to those with incomes in the $100k-150k range, with 373 originations. The second most popular income band? $150k-250k, with 327 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 215 $77,785,000 $361,791 $5,603 5.99%
    30-36% 187 $69,505,000 $371,684 $6,253 6.08%
    50-60% 112 $50,180,000 $448,036 $10,694 5.61%
    <20% 61 $21,735,000 $356,311 $5,798 6.36%
    42% 51 $16,025,000 $314,216 $5,406 6.49%
    37% 49 $18,975,000 $387,245 $5,738 6.08%
    38% 45 $19,085,000 $424,111 $7,535 5.99%
    49% 43 $16,415,000 $381,744 $7,327 5.97%
    41% 41 $16,155,000 $394,024 $6,380 6.16%
    47% 40 $18,010,000 $450,250 $8,813 5.75%
    44% 40 $19,160,000 $479,000 $7,453 5.96%
    46% 34 $13,140,000 $386,471 $7,575 5.96%
    45% 33 $14,295,000 $433,182 $6,962 6.06%
    43% 33 $13,675,000 $414,394 $6,107 5.84%
    36% 33 $12,805,000 $388,030 $5,788 5.97%
    48% 30 $13,180,000 $439,333 $7,006 5.74%
    40% 30 $12,480,000 $416,000 $6,954 5.95%
    >60% 28 $14,100,000 $503,571 $13,989 5.66%
    39% 24 $7,990,000 $332,917 $5,261 6.24%

    Bnc National Bank lent most frequently to those with DTI ratios of 20-30%, with 215 originations. The next most common DTI ratio? 30-36%, with 187 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 750 $273,170,000 $364,227 $6,649 6.06%
    Not provided 225 $99,735,000 $443,267 $7,325 5.90%
    Asian 103 $46,995,000 $456,262 $6,844 5.86%
    Black 38 $18,020,000 $474,211 $9,230 5.66%
    American Indian 11 $5,685,000 $516,818 $15,581 5.74%
    Not applicable 10 $2,880,000 $288,000 $0 6.74%
    Filipino 1 $585,000 $585,000 $17,856 6.63%
    Native Hawaiian or Islander 1 $505,000 $505,000 $14,279 5.75%

    Approval Rates

    Total approvals of all applications
    87.81%

    Bnc National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    37.23%

    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 1,139 $447,575,000 $392,954

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,139 $447,575,000 $392,954

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 56 $9,190,000 $164,107 $2,043 7.06%
    40-60% 90 $34,090,000 $378,778 $5,240 5.89%
    60-80% 288 $118,990,000 $413,160 $5,915 6.02%
    80-100% 568 $244,820,000 $431,021 $7,220 5.81%
    Over 100% 82 $37,180,000 $453,415 $16,456 5.57%
    Under 20% 55 $3,305,000 $60,091 $465 7.60%