Bnc National Bank Mortgage Rates, Fees & Info
Glendale, AZLEI: 549300LH06ZZHKPX5U83
Tax ID: 86-1024756
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Review & Overview
Bnc National Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Bnc National Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Wichita, Washington, Kansas City, Bismarck, and Las Vegas among others. We have data for 323 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. (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 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.22% | 4/14/24 |
| 30 Year Conventional Purchase | 6.28% | 4/14/24 |
| 30 Year Conventional Refi | 6.37% | 4/14/24 |
| 30 Year Cash-out Refi | 6.50% | 4/14/24 |
| 30 Year FHA Purchase | 7.25% | 4/14/24 |
| 30 Year FHA Refi | 7.78% | 4/14/24 |
| 30 Year VA Purchase | 5.77% | 4/14/24 |
| 30 Year VA Refi | 5.66% | 4/14/24 |
| 30 Year USDA Purchase | 6.79% | 4/14/24 |
| 15 Year Conventional Purchase | 5.56% | 4/14/24 |
| 15 Year Conventional Refi | 5.88% | 4/14/24 |
| 15 Year Cash-out Refi | 5.88% | 4/14/24 |
| 15 Year FHA Purchase | 5.68% | 4/14/24 |
| 15 Year VA Refi | 5.53% | 4/14/24 |
| 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
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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
2,130Origination Dollar Volume (All Markets)
$609,470,000Employee count
246Awards
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BNC National Bank - 2018
BNC National Bank is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| WICHITA, KS (FHA|USDA|VA) | 197 | $31,295,000 | $158,858 | $4,386 | 4.76% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 65 | $27,615,000 | $424,846 | $7,041 | 4.21% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 115 | $22,765,000 | $197,957 | $4,093 | 4.63% |
| BISMARCK, ND (FHA|USDA|VA) | 128 | $19,550,000 | $152,734 | $4,824 | 4.83% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 54 | $18,740,000 | $347,037 | $6,054 | 4.30% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 54 | $18,330,000 | $339,444 | $5,556 | 4.22% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 38 | $18,040,000 | $474,737 | $7,537 | 4.10% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 32 | $14,140,000 | $441,875 | $6,706 | 4.17% |
| Outside of Metro Areas | 76 | $14,130,000 | $185,921 | $4,637 | 4.58% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 32 | $11,150,000 | $348,438 | $7,563 | 4.19% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 41 | $10,465,000 | $255,244 | $4,785 | 4.94% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 26 | $9,930,000 | $381,923 | $5,989 | 4.28% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 21 | $9,685,000 | $461,190 | $7,909 | 4.29% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 20 | $9,610,000 | $480,500 | $6,871 | 4.16% |
| Lebanon, MO (FHA|USDA|VA) | 87 | $9,465,000 | $108,793 | $3,432 | 4.92% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 28 | $9,020,000 | $322,143 | $7,797 | 4.04% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 26 | $8,960,000 | $344,615 | $8,147 | 4.11% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 17 | $8,625,000 | $507,353 | $9,590 | 4.05% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 59 | $7,755,000 | $131,441 | $4,054 | 4.77% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 21 | $7,735,000 | $368,333 | $7,512 | 4.21% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 21 | $7,655,000 | $364,524 | $5,163 | 4.28% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 21 | $7,395,000 | $352,143 | $7,037 | 4.21% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 20 | $7,130,000 | $356,500 | $5,507 | 4.27% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 15 | $6,855,000 | $457,000 | $6,967 | 4.20% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 17 | $6,705,000 | $394,412 | $6,910 | 4.15% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 18 | $6,580,000 | $365,556 | $6,522 | 4.40% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 19 | $6,255,000 | $329,211 | $8,818 | 4.14% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 17 | $6,155,000 | $362,059 | $4,607 | 4.21% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 20 | $6,150,000 | $307,500 | $7,047 | 4.41% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 22 | $6,010,000 | $273,182 | $5,194 | 4.33% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 15 | $5,865,000 | $391,000 | $7,809 | 4.06% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 17 | $5,725,000 | $336,765 | $6,040 | 4.29% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 11 | $5,525,000 | $502,273 | $4,949 | 4.40% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 13 | $4,925,000 | $378,846 | $7,260 | 4.06% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 13 | $4,295,000 | $330,385 | $4,426 | 4.19% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 5 | $4,155,000 | $831,000 | $10,045 | 4.85% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 11 | $3,675,000 | $334,091 | $5,955 | 4.27% |
| RENO, NV (FHA|USDA|VA) | 10 | $3,630,000 | $363,000 | $5,868 | 3.96% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 11 | $3,505,000 | $318,636 | $4,307 | 4.20% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 9 | $3,435,000 | $381,667 | $3,881 | 4.29% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 8 | $3,260,000 | $407,500 | $6,232 | 4.38% |
| COLUMBIA, SC (FHA|USDA|VA) | 12 | $3,210,000 | $267,500 | $4,778 | 4.31% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 9 | $3,165,000 | $351,667 | $3,165 | 4.40% |
| COLUMBUS, OH (FHA|USDA|VA) | 8 | $3,160,000 | $395,000 | $7,253 | 4.05% |
| SAVANNAH, GA (FHA|USDA|VA) | 9 | $3,145,000 | $349,444 | $6,869 | 3.93% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 9 | $3,015,000 | $335,000 | $9,828 | 3.88% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 8 | $2,990,000 | $373,750 | $6,594 | 4.14% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 10 | $2,990,000 | $299,000 | $7,063 | 4.18% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 9 | $2,805,000 | $311,667 | $6,867 | 4.08% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 9 | $2,795,000 | $310,556 | $5,876 | 4.17% |
| STOCKTON, CA (FHA|USDA|VA) | 8 | $2,630,000 | $328,750 | $9,379 | 4.44% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 8 | $2,540,000 | $317,500 | $5,155 | 4.38% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 7 | $2,525,000 | $360,714 | $7,462 | 3.86% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 7 | $2,515,000 | $359,286 | $9,902 | 3.93% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 7 | $2,515,000 | $359,286 | $3,721 | 4.20% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 6 | $2,440,000 | $406,667 | $4,662 | 4.33% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 8 | $2,420,000 | $302,500 | $8,066 | 4.13% |
| MADISON, WI (FHA|USDA|VA) | 6 | $2,190,000 | $365,000 | $5,543 | 4.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $2,125,000 | $303,571 | $5,764 | 4.32% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 5 | $2,095,000 | $419,000 | $4,342 | 4.30% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 5 | $2,085,000 | $417,000 | $10,276 | 3.95% |
| BATON ROUGE, LA (FHA|USDA|VA) | 6 | $2,080,000 | $346,667 | $5,674 | 4.04% |
| Outside of Metro Areas | 6 | $2,050,000 | $341,667 | $7,457 | 4.35% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $2,035,000 | $407,000 | $5,476 | 4.05% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $2,035,000 | $678,333 | $7,953 | 4.33% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $1,980,000 | $330,000 | $4,801 | 3.90% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 7 | $1,945,000 | $277,857 | $3,946 | 4.04% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 9 | $1,945,000 | $216,111 | $6,128 | 4.49% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 5 | $1,945,000 | $389,000 | $5,829 | 3.98% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 6 | $1,890,000 | $315,000 | $5,403 | 4.17% |
| BELLINGHAM, WA (FHA|USDA|VA) | 4 | $1,890,000 | $472,500 | $7,794 | 4.06% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $1,850,000 | $308,333 | $8,583 | 4.17% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $1,825,000 | $365,000 | $7,692 | 3.88% |
| BOISE CITY, ID (FHA|USDA|VA) | 5 | $1,755,000 | $351,000 | $6,444 | 4.15% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 6 | $1,740,000 | $290,000 | $5,083 | 4.06% |
| FLINT, MI (FHA|USDA|VA) | 5 | $1,685,000 | $337,000 | $6,779 | 4.05% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 5 | $1,675,000 | $335,000 | $4,321 | 4.03% |
| EL PASO, TX (FHA|USDA|VA) | 7 | $1,675,000 | $239,286 | $5,808 | 4.45% |
| LOUISVILLE, KY (FHA|USDA|VA) | 5 | $1,595,000 | $319,000 | $3,854 | 3.90% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 5 | $1,525,000 | $305,000 | $6,223 | 4.10% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 5 | $1,505,000 | $301,000 | $7,300 | 4.20% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $1,505,000 | $301,000 | $5,922 | 4.18% |
| RAPID CITY, SD (FHA|USDA|VA) | 4 | $1,500,000 | $375,000 | $6,284 | 4.09% |
| TOPEKA, KS (FHA|USDA|VA) | 9 | $1,465,000 | $162,778 | $4,131 | 4.76% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $1,450,000 | $362,500 | $7,470 | 3.94% |
| TULSA, OK (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $8,443 | 4.10% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 4 | $1,440,000 | $360,000 | $10,628 | 4.19% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 5 | $1,405,000 | $281,000 | $6,756 | 4.05% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $4,258 | 3.91% |
| JACKSON, MS (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $4,940 | 4.19% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $9,402 | 4.48% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $4,348 | 4.29% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $6,025 | 4.33% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $3,065 | 4.38% |
| PROVO-OREM, UT (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $3,295 | 4.79% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $2,733 | 4.54% |
| Sevierville, TN (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $4,118 | 4.29% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $5,928 | 4.61% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $4,989 | 4.21% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $2,850 | 4.56% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $5,976 | 4.04% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $8,521 | 4.06% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $6,140 | 3.88% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $6,867 | 4.06% |
| YUBA CITY, CA (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $5,701 | 4.17% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $4,926 | 4.50% |
| SALEM, OR (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $4,524 | 4.53% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $5,759 | 4.13% |
| ROANOKE, VA (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $7,970 | 3.92% |
| Edwards, CO (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $15,316 | 3.88% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $3,583 | 4.58% |
| Key West, FL (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $12,490 | 3.94% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $5,541 | 4.28% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $3,232 | 4.31% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $8,958 | 4.58% |
| Durango, CO (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $7,107 | 3.75% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $8,834 | 3.88% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $6,729 | 4.50% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $7,178 | 4.17% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $3,390 | 4.31% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $5,441 | 4.75% |
| Los Alamos, NM (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $4,097 | 3.50% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $3,683 | 3.75% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $11,428 | 4.31% |
| SUMTER, SC (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $4,085 | 4.33% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $2,464 | 4.38% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $9,496 | 4.50% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $3,352 | 4.54% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $5,004 | 4.33% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $7,281 | 4.17% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $4,315 | 4.81% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $5,727 | 4.50% |
| Helena, MT (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $8,673 | 3.94% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $7,489 | 3.88% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $8,881 | 4.19% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,803 | 4.31% |
| DOVER, DE (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $7,686 | 4.19% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $5,902 | 4.06% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $4,477 | 4.08% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $9,826 | 3.88% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $6,526 | 4.19% |
| OCALA, FL (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $3,455 | 4.50% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $5,894 | 4.19% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $4,815 | 4.06% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $5,314 | 3.94% |
| AKRON, OH (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $2,824 | 4.13% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $8,037 | 4.56% |
| MORGANTOWN, WV (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $8,478 | 3.81% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $4,250 | 4.56% |
| Pittsburg, KS (FHA|USDA|VA) | 6 | $590,000 | $98,333 | $5,231 | 5.21% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $3,684 | 4.25% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $2,691 | 4.25% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $10,260 | 4.13% |
| Oxford, MS (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,834 | 4.06% |
| Prineville, OR (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $13,560 | 3.88% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,333 | 4.06% |
| Dickinson, ND (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,309 | 4.75% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $9,256 | 4.13% |
| Columbus, MS (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,654 | 4.00% |
| ENID, OK (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,305 | 4.56% |
| North Wilkesboro, NC (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $7,929 | 4.25% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $5,738 | 4.88% |
| Findlay, OH (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $6,300 | 5.00% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $7,318 | 4.38% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $5,666 | 3.88% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,107 | 3.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $16,855 | 4.25% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,923 | 4.50% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,346 | 4.38% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $6,575 | 3.88% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,062 | 4.38% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,351 | 4.63% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,968 | 4.31% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,675 | 4.25% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $17,109 | 3.25% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,881 | 4.63% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,530 | 4.31% |
| Hailey, ID (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $10,593 | 4.38% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $11,891 | 4.00% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $11,623 | 4.00% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,095 | 4.69% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,907 | 3.88% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,047 | 3.00% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,068 | 4.00% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $19,386 | 4.25% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,339 | 4.38% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $1,773 | 3.50% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,813 | 3.50% |
| JOPLIN, MO (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $2,515 | 4.88% |
| DALTON, GA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,170 | 3.75% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $6,117 | 4.25% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,890 | 4.25% |
| MERCED, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $13,878 | 4.13% |
| LAWRENCE, KS (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $2,309 | 4.06% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,277 | 4.13% |
| Spearfish, SD (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,776 | 4.88% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,816 | 4.13% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,499 | 4.63% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,829 | 4.75% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,862 | 3.50% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,329 | 3.75% |
| Concord, NH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,589 | 4.50% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,569 | 4.63% |
| ROME, GA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,923 | 4.13% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,596 | 4.75% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,133 | 4.25% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,930 | 3.88% |
| Roswell, NM (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,651 | 3.75% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,302 | 3.75% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,240 | 3.50% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,742 | 4.50% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,645 | 3.38% |
| Fallon, NV (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,776 | 4.00% |
| Salina, KS (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,847 | 4.75% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $12,843 | 4.13% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $12,428 | 3.88% |
| Albertville, AL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,817 | 4.38% |
| Shelby, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,732 | 2.88% |
| NILES, MI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,496 | 4.75% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,453 | 4.00% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,905 | 4.63% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,791 | 3.75% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,184 | 4.38% |
| Holland, MI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,162 | 4.38% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,628 | 4.38% |
| Meridian, MS (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,302 | 3.75% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,226 | 4.25% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,081 | 4.50% |
| Barre, VT (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,697 | 4.13% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,555 | 4.13% |
| READING, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,785 | 4.13% |
| CASPER, WY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $13,919 | 3.88% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,008 | 4.00% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,034 | 4.25% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,168 | 4.63% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,381 | 4.00% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,688 | 3.88% |
| Hillsdale, MI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,013 | 4.13% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,874 | 4.13% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,605 | 4.50% |
| Dodge City, KS (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,151 | 4.63% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,396 | 3.75% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,773 | 3.75% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,218 | 4.63% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,741 | 4.50% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,593 | 4.13% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,473 | 4.13% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,149 | 3.88% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,510 | 3.63% |
| Danville, KY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,696 | 3.88% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $10,834 | 4.13% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,919 | 3.75% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,297 | 3.88% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,830 | 4.25% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,804 | 3.63% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,859 | 4.25% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,119 | 4.50% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,702 | 4.50% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,442 | 4.63% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,769 | 3.88% |
| MADERA, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,785 | 4.38% |
| Sonora, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,431 | 3.50% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,212 | 4.25% |
| Williston, ND (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,412 | 4.31% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,605 | 4.13% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,210 | 4.75% |
| Rolla, MO (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $2,876 | 4.83% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,955 | 4.50% |
| Cullman, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,244 | 3.75% |
| La Grande, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,666 | 3.75% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,187 | 4.13% |
| Sterling, IL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,211 | 5.19% |
| Aberdeen, SD (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 5.15% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,676 | 4.75% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $12,247 | 4.38% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,845 | 4.50% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,433 | 4.13% |
| Clinton, IA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,260 | 5.38% |
| Clovis, NM (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,510 | 5.25% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,785 | 4.38% |
| Burlington, IA-IL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,462 | 4.75% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 4.13% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,247 | 4.75% |
| DuBois, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,461 | 4.63% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,648 | 4.75% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,182 | 4.38% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,783 | 4.25% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,544 | 4.25% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,555 | 4.63% |
| Kearney, NE (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,519 | 4.25% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,208 | 5.25% |
| Altus, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,488 | 4.13% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,490 | 3.50% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,663 | 4.25% |
| Richmond, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,790 | 4.25% |
| Newport, OR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,573 | 4.63% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,885 | 4.50% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,481 | 3.88% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,168 | 4.88% |
| MONROE, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,768 | 4.13% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,293 | 4.38% |
| Hays, KS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,459 | 4.88% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,155 | 4.63% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,377 | 4.75% |
| Winfield, KS (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $3,497 | 5.44% |
| Hutchinson, KS (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $5,575 | 5.06% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,324 | 4.50% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,378 | 3.25% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,208 | 4.13% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,859 | 4.63% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,980 | 4.88% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,366 | 4.75% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,069 | 4.88% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,055 | 4.63% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,132 | 4.63% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,306 | 5.00% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,977 | 5.25% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,617 | 4.38% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,412 | 5.25% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,384 | 5.50% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,309 | 6.00% |
| Jamestown, ND (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.50% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,833 | 5.25% |
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Product Mix
For 2018, Bnc National Bank's most frequently originated type of loan was Conventional, with 905 originations. Their 2nd most popular type was VA, with 861 originations.
Loan Reason
For 2018, Bnc National Bank's most frequently cited loan purpose was Home Purchase, with 1,499 originations. The 2nd most popular reason was Cash Out Refi, with 379 originations.
Loan Duration/Length
For 2018, Bnc National Bank's most frequently cited loan duration was 30 Year, with 1,862 originations. The 2nd most popular length was 15 Year, with 114 originations.
Origination Fees/Closing Costs
Bnc National Bank's average total fees were $5,850, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 922 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 1,326 | $372,740,000 | $281,101 |
| 3-4% | 552 | $197,360,000 | $357,536 |
| 5-6% | 238 | $37,270,000 | $156,597 |
| 6-7% | 6 | $920,000 | $153,333 |
| 2.5-3% | 3 | $1,075,000 | $358,333 |
During 2018, Bnc National Bank's average interest rate for loans was 4.40%, while their most frequently originated rate bucket for loans was 4-5%, with 1,326 originations.
Loan Sizing
2018 saw Bnc National Bank place emphasis on $200k-400k loans with 1,070 originations, totaling $315,520,000 in origination value.
Applicant Income
Bnc National Bank lent most frequently to those with incomes in the $100k-150k range, with 589 originations. The second most popular income band? $50k-75k, with 403 originations.
Applicant Debt to Income Ratio
Bnc National Bank lent most frequently to those with DTI ratios of 30-36%, with 391 originations. The next most common DTI ratio? 20-30%, with 313 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.53%
Bnc National Bank has an average approval rate.
Pick Rate
Approvals leading to origination43.80%
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 |
|---|---|---|---|
| 1161.75 | 1 | $125,000 | $125,000 |
| 1596.5 | 1 | $455,000 | $455,000 |
| 1602.5 | 1 | $205,000 | $205,000 |
| 241.5 | 1 | $45,000 | $45,000 |
| 260.0 | 1 | $105,000 | $105,000 |
| 261.5 | 1 | $45,000 | $45,000 |
| 265.0 | 2 | $130,000 | $65,000 |
| 270.0 | 19 | $1,775,000 | $93,421 |
| 281.5 | 9 | $535,000 | $59,444 |
| 286.5 | 22 | $1,440,000 | $65,455 |
| 291.5 | 1 | $155,000 | $155,000 |
| 296.5 | 2 | $230,000 | $115,000 |
| 336.5 | 2 | $140,000 | $70,000 |
| 340.0 | 1 | $35,000 | $35,000 |
| 345.0 | 2 | $130,000 | $65,000 |
| 351.5 | 1 | $25,000 | $25,000 |
| 361.5 | 4 | $330,000 | $82,500 |
| 368.0 | 1 | $25,000 | $25,000 |
| 378.5 | 2 | $230,000 | $115,000 |
| 381.5 | 1 | $75,000 | $75,000 |
| 395.0 | 2 | $170,000 | $85,000 |
| 397.0 | 1 | $95,000 | $95,000 |
| 406.5 | 1 | $35,000 | $35,000 |
| 411.5 | 2 | $160,000 | $80,000 |
| 415.0 | 1 | $245,000 | $245,000 |
| 421.5 | 1 | $345,000 | $345,000 |
| 430.0 | 1 | $55,000 | $55,000 |
| 436.5 | 1 | $105,000 | $105,000 |
| 441.5 | 1 | $35,000 | $35,000 |
| 456.5 | 1 | $45,000 | $45,000 |
| 506.5 | 1 | $25,000 | $25,000 |
| 550.0 | 1 | $45,000 | $45,000 |
| 606.5 | 1 | $165,000 | $165,000 |
| 626.5 | 1 | $175,000 | $175,000 |
| 904.0 | 1 | $35,000 | $35,000 |
| 987.5 | 1 | $235,000 | $235,000 |
| NA | 2,037 | $601,265,000 | $295,172 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 5 | $495,000 | $99,000 |
| Single Family (1-4 Units):Site-Built | 2,125 | $608,975,000 | $286,576 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| BANKUNITED, NATIONAL ASSOCIATION | Conventional home mortgage | Struggling to pay mortgage | 1 | 14.3% |
| BANKUNITED, NATIONAL ASSOCIATION | Conventional home mortgage | Trouble during payment process | 4 | 57.1% |
| BANKUNITED, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 14.3% |
| BANKUNITED, NATIONAL ASSOCIATION | Other type of mortgage | Closing on a mortgage | 1 | 14.3% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| BNC National Bank | 104 North Broadway Linton, ND 58552 | Full Service B&M | $64,305 |
| BNC National Bank | 107 North Main Street Crosby, ND 58730 | Full Service B&M | $48,843 |
| 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 | $167,666 |
| BNC National Bank | 205 North Main Street Watford City, ND 58854 | Full Service B&M | $54,816 |
| BNC National Bank | 210 South Main Street Stanley, ND 58784 | Full Service B&M | $72,660 |
| 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 | $21,409 |
| BNC National Bank | 3000 Yorktown Drive Bismarck, ND 58503 | Full Service B&M | $12,246 |
| BNC National Bank | 322 East Main Avenue Bismarck, ND 58501 | Full Service B&M | $328,291 |
| BNC National Bank | 650 Douglas Drive Golden Valley, MN 55422 | Full Service B&M | $23,143 |
| BNC National Bank | 801 East Century Avenue Bismarck, ND 58501 | Full Service B&M | $51,299 |
| BNC National Bank | 92 North Main Street Garrison, ND 58540 | Full Service B&M | $24,174 |
For 2018, Bnc National Bank had 14 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $34,497 |
| Net interest income | $29,543 |
| Total noninterest income | $16,988 |
| Gross Fiduciary activities income | $1,750 |
| Service charges on deposit accounts | $635 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $14,603 |
| Pre-tax net operating income | $8,000 |
| Securities gains (or losses, -) | $2,293 |
| Income before extraordinary items | $8,278 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $8,278 |
| Minority interest net income | $0 |
| Net income | $8,278 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $6,443 |
Bnc National Bank's gross interest income from loans was $34,497,000.
Bnc National Bank's net interest income from loans was $29,543,000.
Bnc National Bank's fee based income from loans was $635,000.
Bnc National Bank's net income from loans was $8,278,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $4,954 |
| Provision for credit losses | $0 |
| Total noninterest expense | $38,531 |
| Salaries and employee benefits | $18,870 |
| Premises and equipment expense | $5,555 |
| Additional noninterest expense | $14,106 |
| Applicable income taxes | $2,015 |
| Net charge-offs | $168 |
| Cash dividends | $2,500 |
Bnc National Bank's interest expense for loans was $4,954,000.
Bnc National Bank's payroll and benefits expense were $18,870,000.
Bnc National Bank's property, plant and equipment expenses $5,555,000.
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 | 2.0% |
| 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 | $858,545 |
| Deposits held in domestic offices | $858,545 |
| Deposits by Individuals, partnerships, and corporations | $827,809 |
| Deposits by U.S. Government | $1 |
| Deposits by States and political subdivisions in the U.S. | $30,735 |
| 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 | $77,423 |
| Demand deposits | $56,818 |
| Nontransaction accounts | $781,122 |
| Money market deposit accounts (MMDAs) | $597,192 |
| Other savings deposits (excluding MMDAs) | $35,724 |
| Total time deposits | $148,206 |
| Total time and savings deposits | $801,727 |
| Noninterest-bearing deposits | $157,757 |
| Interest-bearing deposits | $700,788 |
| Retail deposits | $730,320 |
| IRAs and Keogh plan accounts | $8,091 |
| Brokered deposits | $101,345 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $970,161 |
| Cash & Balances due from depository institutions | $24,684 |
| Interest-bearing balances | $11,537 |
| Total securities | $411,509 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $483,564 |
| Loan and leases loss allowance | $7,692 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $16,761 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $33,643 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $970,161 |
| Total Liabilities | $877,528 |
| Total deposits | $858,545 |
| Interest-bearing deposits | $700,788 |
| Deposits held in domestic offices | $858,545 |
| % insured (estimated) | $69 |
| Federal funds purchased and repurchase agreements | $11,494 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $7,489 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $483,564 |
| Loan and leases loss allowance | $7,692 |
| Total loans and leases (domestic) | $491,256 |
| All real estate loans | $353,686 |
| Real estate loans in domestic offices | $353,686 |
| Construction and development loans | $35,896 |
| Residential 1-4 family construction | $4,987 |
| Other construction, all land development and other land | $30,909 |
| Loans secured by nonfarm nonresidential properties | $217,738 |
| Nonfarm nonresidential secured by owner-occupied properties | $71,579 |
| Commercial real estate & other non-farm, non-residential | $146,159 |
| Multifamily residential real estate | $33,127 |
| 1-4 family residential loans | $57,325 |
| Farmland loans | $9,600 |
| Loans held in foreign offices | $0 |
| Farm loans | $16,944 |
| Commercial and industrial loans | $74,441 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $43,410 |
| Credit card loans | $0 |
| Related Plans | $1,049 |
| Consumer Auto Loans | $20,911 |
| Other loans to individuals | $21,450 |
| All other loans & leases | $2,775 |
| 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 | $1,814 |
| Loans secured by real estate to non-U.S. addressees | $71 |
| Restructured Loans & leases | $1,780 |
| Non 1-4 family restructured loans & leases | $1,780 |
| Total loans and leases (foreign) | $0 |
BNC National Bank had $483,564,000 of loans outstanding in 2018. $353,686,000 of loans were in real estate loans. $35,896,000 of loans were in development loans. $33,127,000 of loans were in multifamily mortgage loans. $57,325,000 of loans were in 1-4 family mortgage loans. $16,944,000 of loans were in farm loans. $0 of loans were in credit card loans. $20,911,000 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 | 170 | $45,672 | $268,659 |
| Nonfarm, nonresidential loans - <$100k | 26 | $1,288 | $49,538 |
| Nonfarm, nonresidential loans - $100-250k | 35 | $5,373 | $153,514 |
| Nonfarm, nonresidential loans - $250k-1MM | 109 | $39,011 | $357,899 |
| Commercial & Industrial, US addressed loans - <$1MM | 498 | $38,590 | $77,490 |
| Commercial & Industrial, US addressed loans - <$100k | 264 | $7,238 | $27,417 |
| Commercial & Industrial, US addressed loans - $100-250k | 107 | $7,161 | $66,925 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 127 | $24,191 | $190,480 |
| Farmland loans - <$1MM | 28 | $2,817 | $100,607 |
| Farmland loans - <$100k | 11 | $387 | $35,182 |
| Farmland loans - $100-250k | 13 | $1,719 | $132,231 |
| Farmland loans - $250k-1MM | 4 | $711 | $177,750 |
| Agriculture operations loans - <$1MM | 137 | $8,254 | $60,248 |
| Agriculture operations loans - <$100k | 89 | $2,488 | $27,955 |
| Agriculture operations loans - $100-250k | 33 | $2,274 | $68,909 |
| Agriculture operations loans - $250k-1MM | 15 | $3,492 | $232,800 |