Bnc National Bank Mortgage Rates, Fees & Info
Glendale, AZLEI: 549300LH06ZZHKPX5U83
Tax ID: 86-1024756
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
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, Seattle, Los Angeles, Wichita, and Denver among others. We have data for 379 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 a low 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.
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% | 11/17/24 |
| 30 Year Conventional Purchase | 6.28% | 11/17/24 |
| 30 Year Conventional Refi | 6.37% | 11/17/24 |
| 30 Year Cash-out Refi | 6.50% | 11/17/24 |
| 30 Year FHA Purchase | 7.25% | 11/17/24 |
| 30 Year FHA Refi | 7.78% | 11/17/24 |
| 30 Year VA Purchase | 5.77% | 11/17/24 |
| 30 Year VA Refi | 5.66% | 11/17/24 |
| 30 Year USDA Purchase | 6.79% | 11/17/24 |
| 15 Year Conventional Purchase | 5.56% | 11/17/24 |
| 15 Year Conventional Refi | 5.88% | 11/17/24 |
| 15 Year Cash-out Refi | 5.88% | 11/17/24 |
| 15 Year FHA Purchase | 5.68% | 11/17/24 |
| 15 Year VA Refi | 5.53% | 11/17/24 |
| 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
4,070Origination Dollar Volume (All Markets)
$1,347,470,000Employee count
276Awards
×
![]()
BNC National Bank - 2019
BNC National Bank is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
Work for BNC National Bank?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
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) | 232 | $104,930,000 | $452,284 | $5,115 | 3.54% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 127 | $58,115,000 | $457,598 | $5,382 | 3.58% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 90 | $41,050,000 | $456,111 | $3,844 | 3.65% |
| WICHITA, KS (FHA|USDA|VA) | 222 | $39,870,000 | $179,595 | $4,318 | 4.19% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 92 | $36,840,000 | $400,435 | $3,555 | 3.57% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 88 | $35,430,000 | $402,614 | $5,633 | 3.67% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 97 | $34,385,000 | $354,485 | $3,991 | 3.65% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 141 | $32,845,000 | $232,943 | $3,422 | 3.84% |
| Outside of Metro Areas | 145 | $32,715,000 | $225,621 | $3,486 | 4.20% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 92 | $31,510,000 | $342,500 | $4,576 | 3.75% |
| BISMARCK, ND (FHA|USDA|VA) | 157 | $30,865,000 | $196,592 | $2,702 | 4.84% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 62 | $28,920,000 | $466,452 | $4,824 | 3.61% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 50 | $26,460,000 | $529,200 | $5,618 | 3.65% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 72 | $24,660,000 | $342,500 | $5,206 | 3.51% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 65 | $23,845,000 | $366,846 | $5,622 | 3.52% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 57 | $22,475,000 | $394,298 | $5,011 | 3.69% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 72 | $21,310,000 | $295,972 | $4,011 | 4.35% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 49 | $20,525,000 | $418,878 | $3,813 | 3.77% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 52 | $17,620,000 | $338,846 | $4,671 | 3.64% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 40 | $17,090,000 | $427,250 | $5,985 | 3.47% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 51 | $16,985,000 | $333,039 | $3,885 | 3.41% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 47 | $16,785,000 | $357,128 | $5,059 | 3.51% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 41 | $15,375,000 | $375,000 | $5,327 | 3.52% |
| Lebanon, MO (FHA|USDA|VA) | 119 | $15,315,000 | $128,697 | $3,412 | 4.25% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 42 | $15,050,000 | $358,333 | $5,067 | 3.56% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 38 | $14,010,000 | $368,684 | $5,294 | 3.64% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 35 | $13,845,000 | $395,571 | $4,172 | 3.71% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 36 | $13,350,000 | $370,833 | $3,578 | 3.51% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 38 | $13,200,000 | $347,368 | $4,386 | 3.57% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 38 | $12,770,000 | $336,053 | $4,023 | 3.52% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 35 | $12,515,000 | $357,571 | $4,992 | 3.60% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 19 | $11,755,000 | $618,684 | $4,863 | 3.84% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 33 | $11,115,000 | $336,818 | $4,970 | 3.61% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 35 | $11,105,000 | $317,286 | $6,779 | 3.59% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 29 | $10,535,000 | $363,276 | $5,206 | 3.66% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 28 | $9,890,000 | $353,214 | $5,031 | 3.62% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 67 | $9,865,000 | $147,239 | $4,183 | 4.16% |
| RENO, NV (FHA|USDA|VA) | 26 | $9,750,000 | $375,000 | $3,813 | 3.62% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 21 | $7,865,000 | $374,524 | $4,588 | 3.68% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 23 | $7,815,000 | $339,783 | $4,168 | 3.54% |
| SALINAS, CA (FHA|USDA|VA) | 14 | $7,470,000 | $533,571 | $3,888 | 3.87% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 18 | $6,710,000 | $372,778 | $5,433 | 3.74% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 18 | $6,650,000 | $369,444 | $4,377 | 3.51% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 21 | $6,645,000 | $316,429 | $4,217 | 3.59% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 20 | $6,330,000 | $316,500 | $6,163 | 3.49% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 17 | $6,125,000 | $360,294 | $5,988 | 3.23% |
| BOISE CITY, ID (FHA|USDA|VA) | 17 | $5,935,000 | $349,118 | $6,495 | 3.55% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 16 | $5,730,000 | $358,125 | $4,281 | 3.54% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 17 | $5,715,000 | $336,176 | $3,241 | 3.43% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 16 | $5,680,000 | $355,000 | $3,717 | 3.77% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 14 | $5,450,000 | $389,286 | $4,763 | 3.68% |
| COLUMBUS, OH (FHA|USDA|VA) | 17 | $5,395,000 | $317,353 | $3,744 | 3.71% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 18 | $5,360,000 | $297,778 | $5,630 | 3.77% |
| BOULDER, CO (FHA|USDA|VA) | 12 | $5,360,000 | $446,667 | $4,286 | 3.61% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 13 | $5,185,000 | $398,846 | $7,379 | 3.56% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 13 | $4,915,000 | $378,077 | $4,653 | 3.72% |
| STOCKTON, CA (FHA|USDA|VA) | 13 | $4,885,000 | $375,769 | $3,690 | 3.64% |
| PROVO-OREM, UT (FHA|USDA|VA) | 13 | $4,695,000 | $361,154 | $2,902 | 3.68% |
| PITTSBURGH, PA (FHA|USDA|VA) | 11 | $4,495,000 | $408,636 | $7,971 | 3.57% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 14 | $4,200,000 | $300,000 | $4,097 | 3.64% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 8 | $4,080,000 | $510,000 | $3,047 | 3.48% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 11 | $3,905,000 | $355,000 | $4,881 | 3.42% |
| KNOXVILLE, TN (FHA|USDA|VA) | 11 | $3,895,000 | $354,091 | $5,196 | 3.69% |
| RICHMOND, VA (FHA|USDA|VA) | 12 | $3,830,000 | $319,167 | $4,029 | 3.65% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 9 | $3,795,000 | $421,667 | $4,423 | 3.56% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 9 | $3,715,000 | $412,778 | $4,928 | 3.89% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 12 | $3,670,000 | $305,833 | $4,608 | 3.45% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 12 | $3,650,000 | $304,167 | $4,417 | 3.43% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 14 | $3,650,000 | $260,714 | $3,595 | 3.62% |
| COLUMBIA, SC (FHA|USDA|VA) | 12 | $3,560,000 | $296,667 | $4,325 | 3.52% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 10 | $3,490,000 | $349,000 | $5,118 | 3.71% |
| VALLEJO, CA (FHA|USDA|VA) | 9 | $3,445,000 | $382,778 | $4,817 | 3.33% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 9 | $3,435,000 | $381,667 | $5,956 | 3.44% |
| FORT COLLINS, CO (FHA|USDA|VA) | 8 | $3,380,000 | $422,500 | $4,090 | 3.31% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 10 | $3,240,000 | $324,000 | $4,033 | 3.45% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 11 | $3,225,000 | $293,182 | $4,964 | 3.66% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 11 | $3,195,000 | $290,455 | $3,382 | 3.74% |
| MADISON, WI (FHA|USDA|VA) | 10 | $3,070,000 | $307,000 | $3,344 | 3.45% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 9 | $3,055,000 | $339,444 | $3,088 | 3.53% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 11 | $3,045,000 | $276,818 | $4,259 | 3.49% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 10 | $3,030,000 | $303,000 | $4,467 | 3.65% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 11 | $3,015,000 | $274,091 | $4,841 | 3.78% |
| Oak Harbor, WA (FHA|USDA|VA) | 7 | $2,885,000 | $412,143 | $4,806 | 3.66% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 9 | $2,855,000 | $317,222 | $4,344 | 3.43% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 8 | $2,780,000 | $347,500 | $4,146 | 3.89% |
| FRESNO, CA (FHA|USDA|VA) | 6 | $2,740,000 | $456,667 | $2,336 | 3.60% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 9 | $2,725,000 | $302,778 | $3,932 | 3.54% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 8 | $2,670,000 | $333,750 | $4,737 | 3.70% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 8 | $2,630,000 | $328,750 | $4,991 | 3.72% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 5 | $2,595,000 | $519,000 | $6,992 | 4.23% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 8 | $2,590,000 | $323,750 | $5,855 | 3.67% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 8 | $2,570,000 | $321,250 | $3,395 | 3.69% |
| BEND, OR (FHA|USDA|VA) | 6 | $2,400,000 | $400,000 | $6,921 | 3.92% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 7 | $2,355,000 | $336,429 | $6,052 | 3.34% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 7 | $2,305,000 | $329,286 | $5,545 | 3.59% |
| BELLINGHAM, WA (FHA|USDA|VA) | 6 | $2,300,000 | $383,333 | $2,945 | 3.58% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 5 | $2,285,000 | $457,000 | $3,343 | 3.43% |
| EL PASO, TX (FHA|USDA|VA) | 6 | $2,240,000 | $373,333 | $6,162 | 3.33% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 7 | $2,205,000 | $315,000 | $4,157 | 4.04% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 7 | $2,155,000 | $307,857 | $5,716 | 3.43% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 6 | $2,130,000 | $355,000 | $6,686 | 3.19% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $2,115,000 | $423,000 | $6,524 | 3.95% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 5 | $2,095,000 | $419,000 | $8,083 | 4.03% |
| SANTA FE, NM (FHA|USDA|VA) | 6 | $2,090,000 | $348,333 | $5,619 | 3.52% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 14 | $2,050,000 | $146,429 | $4,934 | 4.63% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 6 | $2,040,000 | $340,000 | $4,331 | 3.48% |
| YUBA CITY, CA (FHA|USDA|VA) | 6 | $2,030,000 | $338,333 | $2,314 | 3.35% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 6 | $2,020,000 | $336,667 | $5,094 | 3.98% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 5 | $2,005,000 | $401,000 | $5,340 | 3.48% |
| LOUISVILLE, KY (FHA|USDA|VA) | 6 | $1,970,000 | $328,333 | $4,525 | 3.83% |
| SAVANNAH, GA (FHA|USDA|VA) | 6 | $1,960,000 | $326,667 | $5,225 | 3.52% |
| MONTGOMERY, AL (FHA|USDA|VA) | 6 | $1,950,000 | $325,000 | $8,042 | 3.65% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 5 | $1,935,000 | $387,000 | $5,260 | 3.53% |
| VISALIA, CA (FHA|USDA|VA) | 5 | $1,845,000 | $369,000 | $5,733 | 4.18% |
| Burlington, IA-IL (FHA|USDA|VA) | 12 | $1,810,000 | $150,833 | $4,355 | 4.35% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 5 | $1,805,000 | $361,000 | $4,104 | 3.40% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 5 | $1,775,000 | $355,000 | $6,798 | 3.58% |
| GREELEY, CO (FHA|USDA|VA) | 5 | $1,745,000 | $349,000 | $5,019 | 3.40% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 5 | $1,735,000 | $347,000 | $3,520 | 3.60% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 4 | $1,730,000 | $432,500 | $7,498 | 3.53% |
| Outside of Metro Areas | 4 | $1,720,000 | $430,000 | $4,893 | 3.59% |
| CHEYENNE, WY (FHA|USDA|VA) | 4 | $1,720,000 | $430,000 | $7,188 | 3.47% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 5 | $1,665,000 | $333,000 | $2,927 | 3.45% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 5 | $1,635,000 | $327,000 | $2,927 | 3.73% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 4 | $1,630,000 | $407,500 | $7,389 | 3.50% |
| Lebanon, NH-VT (FHA|USDA|VA) | 5 | $1,575,000 | $315,000 | $4,488 | 3.68% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 4 | $1,500,000 | $375,000 | $6,509 | 3.50% |
| TULSA, OK (FHA|USDA|VA) | 6 | $1,500,000 | $250,000 | $6,233 | 3.98% |
| Bozeman, MT (FHA|USDA|VA) | 4 | $1,470,000 | $367,500 | $2,733 | 3.41% |
| ST. GEORGE, UT (FHA|USDA|VA) | 3 | $1,465,000 | $488,333 | $2,508 | 4.17% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 4 | $1,460,000 | $365,000 | $6,627 | 3.63% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 13 | $1,425,000 | $109,615 | $3,233 | 3.15% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 4 | $1,420,000 | $355,000 | $3,673 | 3.50% |
| FLINT, MI (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $2,728 | 3.47% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 4 | $1,390,000 | $347,500 | $3,301 | 3.59% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $5,825 | 3.43% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $1,295,000 | $1,295,000 | $18,681 | 3.75% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $5,640 | 3.66% |
| LINCOLN, NE (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $4,777 | 3.58% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $3,978 | 3.60% |
| WENATCHEE, WA (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $3,722 | 3.33% |
| MOBILE, AL (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $6,078 | 4.31% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $6,392 | 3.84% |
| SUMTER, SC (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $3,376 | 3.44% |
| Key West, FL (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $4,066 | 3.33% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $3,725 | 3.83% |
| NAPA, CA (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $8,615 | 3.69% |
| Los Alamos, NM (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $4,403 | 3.46% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $3,986 | 3.88% |
| SALEM, OR (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $5,137 | 3.38% |
| Concord, NH (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $6,242 | 3.54% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $4,051 | 3.96% |
| LAWRENCE, KS (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $5,089 | 3.88% |
| MIDLAND, TX (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $6,145 | 3.42% |
| WILMINGTON, NC (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $3,694 | 3.63% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $2,458 | 3.58% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $2,155 | 3.58% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $2,592 | 3.82% |
| ANN ARBOR, MI (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $7,159 | 3.42% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $4,340 | 3.83% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $5,397 | 3.38% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $2,122 | 3.29% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $3,342 | 4.29% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $3,367 | 3.67% |
| CARSON CITY, NV (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $3,774 | 3.63% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $3,147 | 4.13% |
| MISSOULA, MT (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $6,784 | 3.71% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $4,933 | 4.08% |
| AKRON, OH (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $2,604 | 3.46% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $4,158 | 3.96% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $5,079 | 3.79% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $6,748 | 3.17% |
| DOVER, DE (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $5,124 | 3.63% |
| LAS CRUCES, NM (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $4,849 | 4.34% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $8,887 | 3.19% |
| CORVALLIS, OR (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $4,966 | 3.38% |
| FOND DU LAC, WI (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $1,413 | 3.38% |
| Tupelo, MS (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $3,545 | 3.50% |
| Jackson, WY-ID (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $4,587 | 3.81% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $1,767 | 3.31% |
| FARMINGTON, NM (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $8,077 | 3.69% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $5,714 | 3.71% |
| Hood River, OR (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $7,601 | 3.25% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $5,270 | 3.46% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $3,278 | 3.94% |
| RACINE, WI (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $1,914 | 3.79% |
| STAUNTON, VA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $10,217 | 3.44% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $5,806 | 3.69% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,146 | 3.00% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $15,757 | 3.75% |
| Dickinson, ND (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $4,506 | 3.44% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $3,697 | 4.13% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $2,077 | 3.88% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $3,082 | 3.81% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $3,934 | 3.79% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $2,416 | 3.75% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $5,832 | 3.56% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $2,117 | 3.56% |
| Torrington, CT (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $24,941 | 3.13% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $2,379 | 3.83% |
| Sonora, CA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $6,672 | 3.94% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $2,949 | 3.94% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $9,798 | 3.75% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,718 | 3.69% |
| READING, PA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,753 | 3.25% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,095 | 3.63% |
| Brainerd, MN (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $0 | 5.41% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,843 | 3.63% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $7,084 | 3.69% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,360 | 4.31% |
| CASPER, WY (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,691 | 3.94% |
| Spearfish, SD (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,075 | 4.69% |
| REDDING, CA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $6,163 | 3.81% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $8,344 | 4.13% |
| Bemidji, MN (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,831 | 4.88% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,780 | 3.25% |
| North Wilkesboro, NC (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,183 | 3.38% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,427 | 3.63% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $1,657 | 4.00% |
| Sanford, NC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,115 | 3.44% |
| Washington, NC (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $10,276 | 3.75% |
| Winfield, KS (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $6,873 | 4.56% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $6,801 | 3.88% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,103 | 3.88% |
| HARRISONBURG, VA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $8,609 | 3.63% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,938 | 4.13% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $3,011 | 3.63% |
| Durango, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,147 | 4.00% |
| Payson, AZ (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,260 | 5.88% |
| Dodge City, KS (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,714 | 4.50% |
| Celina, OH (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,558 | 3.44% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,866 | 3.25% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,206 | 3.38% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $1,123 | 3.25% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,888 | 3.88% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,821 | 3.88% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,246 | 3.38% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $1,314 | 3.25% |
| Fernley, NV (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,632 | 3.63% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,650 | 3.00% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,261 | 3.50% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $999 | 3.38% |
| Elko, NV (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,851 | 4.13% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,304 | 3.88% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,800 | 4.38% |
| Cadillac, MI (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,558 | 3.25% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $1,931 | 3.50% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,809 | 3.38% |
| Helena, MT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,098 | 3.38% |
| Findlay, OH (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $11,363 | 3.25% |
| WACO, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,788 | 3.63% |
| Boone, NC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $13,924 | 2.75% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $8,061 | 3.50% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,628 | 3.63% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,021 | 3.50% |
| TOPEKA, KS (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,810 | 3.81% |
| Lewisburg, TN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,001 | 4.50% |
| Brenham, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,048 | 4.00% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,338 | 3.50% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,546 | 4.50% |
| Sterling, IL (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $3,246 | 4.03% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,920 | 3.25% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,102 | 3.00% |
| Laconia, NH (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $1,899 | 3.50% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,099 | 3.50% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,102 | 3.88% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,877 | 3.63% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $1,584 | 3.13% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,522 | 3.88% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,962 | 3.63% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,207 | 3.38% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,550 | 3.63% |
| Sidney, OH (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $11,309 | 3.00% |
| Hailey, ID (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,429 | 3.88% |
| Shelton, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,223 | 3.38% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,298 | 3.25% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,079 | 3.25% |
| Clovis, NM (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $6,126 | 3.38% |
| Astoria, OR (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,059 | 3.50% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,942 | 3.75% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,634 | 2.88% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,826 | 3.25% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,112 | 3.75% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,627 | 4.00% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,084 | 3.63% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,756 | 3.50% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,994 | 3.63% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,947 | 3.63% |
| Fallon, NV (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,709 | 3.50% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,815 | 3.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,978 | 4.13% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $12,843 | 4.25% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,503 | 4.00% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,799 | 3.75% |
| Edwards, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,787 | 3.38% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,670 | 3.50% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,917 | 4.13% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,687 | 3.50% |
| Laramie, WY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,175 | 3.88% |
| Riverton, WY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $13,763 | 3.00% |
| Granbury, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,887 | 3.63% |
| Keene, NH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,806 | 3.25% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,871 | 3.63% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,083 | 2.88% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,087 | 3.75% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,311 | 3.88% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,759 | 2.75% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,383 | 3.25% |
| McPherson, KS (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,778 | 3.75% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,017 | 3.63% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,183 | 3.25% |
| Roswell, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,386 | 4.00% |
| Palatka, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,289 | 3.75% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,768 | 3.50% |
| Heber, UT (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,441 | 3.38% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $904 | 3.25% |
| Minot, ND (FHA|USDA|VA) | 4 | $280,000 | $70,000 | $437 | 5.35% |
| Rolla, MO (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,597 | 4.31% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,455 | 3.13% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,328 | 3.50% |
| Salem, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,772 | 3.88% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,086 | 3.50% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,613 | 3.50% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,386 | 3.38% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,359 | 3.63% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,470 | 3.00% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,408 | 2.88% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,850 | 3.25% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,957 | 3.00% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,818 | 3.63% |
| Dayton, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,031 | 4.13% |
| Danville, KY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,451 | 3.25% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,014 | 4.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,005 | 4.88% |
| Andrews, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,431 | 3.50% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,429 | 4.13% |
| Newport, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,275 | 3.25% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,419 | 4.00% |
| Altus, OK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,766 | 3.25% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,487 | 3.63% |
| OCALA, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,615 | 3.13% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,269 | 3.38% |
| Brookhaven, MS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,022 | 3.25% |
| ENID, OK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,601 | 3.50% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,726 | 3.63% |
| Scottsbluff, NE (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,058 | 3.25% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,607 | 4.25% |
| Morgan City, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,023 | 3.50% |
| PINE BLUFF, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,662 | 4.13% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,173 | 4.00% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,240 | 3.25% |
| Gillette, WY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,774 | 3.38% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,451 | 3.50% |
| Meridian, MS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,948 | 4.00% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,093 | 4.38% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,816 | 4.69% |
| Kearney, NE (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,066 | 3.63% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,947 | 3.25% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,486 | 3.75% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,267 | 4.00% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,008 | 4.75% |
| Muscatine, IA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,569 | 4.63% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,512 | 3.00% |
| Auburn, NY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,349 | 4.50% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,322 | 3.88% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,182 | 3.63% |
| Williston, ND (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,136 | 5.38% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,331 | 4.50% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,387 | 5.00% |
| Cullman, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,891 | 4.00% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,628 | 3.75% |
| Seneca, SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,519 | 5.25% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,917 | 6.00% |
| Portales, NM (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,795 | 4.88% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,481 | 4.38% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,993 | 4.25% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,025 | 4.25% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $4,296 | 4.50% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $2,521 | 5.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against BNC National Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Northern Bank & Trust Company
Similarity Rank: 64
Similarity Rank: 64
ABNB Federal Credit Union
Similarity Rank: 75
Similarity Rank: 75
SOUTHBRIDGE CREDIT UNION
Similarity Rank: 80
Similarity Rank: 80
HOME BANK AND TRUST COMPANY
Similarity Rank: 90
Similarity Rank: 90
Bristol County Savings Bank
Similarity Rank: 96
Similarity Rank: 96
MID AMERICAN
Similarity Rank: 128
Similarity Rank: 128
Middlesex Savings Bank
Similarity Rank: 145
Similarity Rank: 145
MYPOINT Credit Union
Similarity Rank: 147
Similarity Rank: 147
SKYWARD
Similarity Rank: 148
Similarity Rank: 148
BEACH MUNICIPAL FEDERAL CREDIT UNION
Similarity Rank: 160
Similarity Rank: 160
Product Mix
For 2019, Bnc National Bank's most frequently originated type of loan was Conventional, with 1,923 originations. Their 2nd most popular type was VA, with 1,682 originations.
Loan Reason
For 2019, Bnc National Bank's most frequently cited loan purpose was Refi, with 1,640 originations. The 2nd most popular reason was Home Purchase, with 1,480 originations.
Loan Duration/Length
For 2019, Bnc National Bank's most frequently cited loan duration was 30 Year, with 3,581 originations. The 2nd most popular length was 15 Year, with 227 originations.
Origination Fees/Closing Costs
Bnc National Bank's average total fees were $4,695, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,888 originations.
Interest Rates
During 2019, Bnc National Bank's average interest rate for loans was 3.74%, while their most frequently originated rate bucket for loans was 3-4%, with 2,789 originations.
Loan Sizing
2019 saw Bnc National Bank place emphasis on $200k-400k loans with 2,138 originations, totaling $653,140,000 in origination value.
Applicant Income
Bnc National Bank lent most frequently to those with incomes in the $100k-150k range, with 962 originations. The second most popular income band? $150k-250k, with 678 originations.
Applicant Debt to Income Ratio
Bnc National Bank lent most frequently to those with DTI ratios of 20-30%, with 640 originations. The next most common DTI ratio? 30-36%, with 569 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.61%
Bnc National Bank has an average approval rate.
Pick Rate
Approvals leading to origination45.41%
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 | 4,070 | $1,347,470,000 | $331,074 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| BANKUNITED, NATIONAL ASSOCIATION | Conventional home mortgage | Trouble during payment process | 1 | 25.0% |
| BANKUNITED, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 1 | 25.0% |
| BANKUNITED, NATIONAL ASSOCIATION | Other type of mortgage | Closing on a mortgage | 1 | 25.0% |
| BANKUNITED, NATIONAL ASSOCIATION | Other type of mortgage | Trouble during payment process | 1 | 25.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| BNC National Bank | 2711 Sunset Dr Nw Mandan, ND 58554 | Full Service B&M | $24,907 |
| BNC National Bank | 104 North Broadway Linton, ND 58552 | Full Service B&M | $62,924 |
| 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 | $173,216 |
| BNC National Bank | 205 North Main Street Watford City, ND 58854 | Full Service B&M | $71,732 |
| BNC National Bank | 206 South Main Street Crosby, ND 58730 | Full Service B&M | $48,029 |
| BNC National Bank | 210 South Main Street Stanley, ND 58784 | Full Service B&M | $71,787 |
| BNC National Bank | 219 South Third Street Bismarck, ND 58501 | Limited, Drive-thru | $0 |
| BNC National Bank | 3000 Yorktown Drive Bismarck, ND 58503 | Full Service B&M | $14,434 |
| BNC National Bank | 322 East Main Avenue Bismarck, ND 58501 | Full Service B&M | $306,339 |
| BNC National Bank | 650 Douglas Drive Golden Valley, MN 55422 | Full Service B&M | $24,481 |
| BNC National Bank | 801 East Century Avenue Bismarck, ND 58501 | Full Service B&M | $50,953 |
| BNC National Bank | 92 North Main Street Garrison, ND 58540 | Full Service B&M | $27,130 |
For 2019, Bnc National Bank had 14 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $37,844 |
| Net interest income | $29,911 |
| Total noninterest income | $30,633 |
| Gross Fiduciary activities income | $1,897 |
| Service charges on deposit accounts | $662 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $28,074 |
| Pre-tax net operating income | $16,983 |
| Securities gains (or losses, -) | $-1,296 |
| Income before extraordinary items | $12,146 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $12,146 |
| Minority interest net income | $0 |
| Net income | $12,146 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $13,169 |
Bnc National Bank's gross interest income from loans was $37,844,000.
Bnc National Bank's net interest income from loans was $29,911,000.
Bnc National Bank's fee based income from loans was $662,000.
Bnc National Bank's net income from loans was $12,146,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $7,933 |
| Provision for credit losses | $700 |
| Total noninterest expense | $42,861 |
| Salaries and employee benefits | $21,161 |
| Premises and equipment expense | $5,468 |
| Additional noninterest expense | $16,232 |
| Applicable income taxes | $3,541 |
| Net charge-offs | $251 |
| Cash dividends | $10,000 |
Bnc National Bank's interest expense for loans was $7,933,000.
Bnc National Bank's payroll and benefits expense were $21,161,000.
Bnc National Bank's property, plant and equipment expenses $5,468,000.
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 | $826,781 |
| Deposits held in domestic offices | $826,781 |
| Deposits by Individuals, partnerships, and corporations | $797,922 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $28,859 |
| 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 | $49,492 |
| Demand deposits | $43,206 |
| Nontransaction accounts | $777,289 |
| Money market deposit accounts (MMDAs) | $572,788 |
| Other savings deposits (excluding MMDAs) | $35,136 |
| Total time deposits | $169,365 |
| Total time and savings deposits | $783,575 |
| Noninterest-bearing deposits | $136,135 |
| Interest-bearing deposits | $690,646 |
| Retail deposits | $682,878 |
| IRAs and Keogh plan accounts | $8,048 |
| Brokered deposits | $107,999 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $965,305 |
| Cash & Balances due from depository institutions | $10,019 |
| Interest-bearing balances | $115 |
| Total securities | $265,279 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $637,543 |
| Loan and leases loss allowance | $8,141 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $19,039 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $33,425 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $965,305 |
| Total Liabilities | $862,350 |
| Total deposits | $826,781 |
| Interest-bearing deposits | $690,646 |
| Deposits held in domestic offices | $826,781 |
| % insured (estimated) | $76 |
| Federal funds purchased and repurchase agreements | $4,565 |
| Trading liabilities | $0 |
| Other borrowed funds | $19,821 |
| Subordinated debt | $0 |
| All other liabilities | $11,183 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $637,543 |
| Loan and leases loss allowance | $8,141 |
| Total loans and leases (domestic) | $645,684 |
| All real estate loans | $487,667 |
| Real estate loans in domestic offices | $487,667 |
| Construction and development loans | $30,983 |
| Residential 1-4 family construction | $4,302 |
| Other construction, all land development and other land | $26,681 |
| Loans secured by nonfarm nonresidential properties | $240,449 |
| Nonfarm nonresidential secured by owner-occupied properties | $76,042 |
| Commercial real estate & other non-farm, non-residential | $164,407 |
| Multifamily residential real estate | $32,159 |
| 1-4 family residential loans | $173,464 |
| Farmland loans | $10,612 |
| Loans held in foreign offices | $0 |
| Farm loans | $19,734 |
| Commercial and industrial loans | $88,834 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $45,972 |
| Credit card loans | $0 |
| Related Plans | $964 |
| Consumer Auto Loans | $22,226 |
| Other loans to individuals | $22,782 |
| All other loans & leases | $3,476 |
| 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 | $4,341 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $1,448 |
| Non 1-4 family restructured loans & leases | $1,448 |
| Total loans and leases (foreign) | $0 |
BNC National Bank had $637,543,000 of loans outstanding in 2019. $487,667,000 of loans were in real estate loans. $30,983,000 of loans were in development loans. $32,159,000 of loans were in multifamily mortgage loans. $173,464,000 of loans were in 1-4 family mortgage loans. $19,734,000 of loans were in farm loans. $0 of loans were in credit card loans. $22,226,000 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 | $48,717 | $286,571 |
| Nonfarm, nonresidential loans - <$100k | 25 | $1,115 | $44,600 |
| Nonfarm, nonresidential loans - $100-250k | 37 | $5,829 | $157,541 |
| Nonfarm, nonresidential loans - $250k-1MM | 108 | $41,773 | $386,787 |
| Commercial & Industrial, US addressed loans - <$1MM | 530 | $45,309 | $85,489 |
| Commercial & Industrial, US addressed loans - <$100k | 288 | $7,673 | $26,642 |
| Commercial & Industrial, US addressed loans - $100-250k | 110 | $7,825 | $71,136 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 132 | $29,811 | $225,841 |
| Farmland loans - <$1MM | 32 | $3,661 | $114,406 |
| Farmland loans - <$100k | 13 | $431 | $33,154 |
| Farmland loans - $100-250k | 14 | $2,148 | $153,429 |
| Farmland loans - $250k-1MM | 5 | $1,082 | $216,400 |
| Agriculture operations loans - <$1MM | 142 | $8,767 | $61,739 |
| Agriculture operations loans - <$100k | 93 | $2,738 | $29,441 |
| Agriculture operations loans - $100-250k | 31 | $2,464 | $79,484 |
| Agriculture operations loans - $250k-1MM | 18 | $3,565 | $198,056 |