BNC National Bank
BNC National Bank received 157 applications in 2025 and made 121 mortgages, in 16 counties across 4 states. The median rate its borrowers got was 7.500% on a median loan of $105,000. Of 145 decisions, 21 were denials — 14.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300LH06ZZHKPX5U83 |
|---|---|
| Applications received | 157 |
| Mortgages made | 121 |
| Denied | 21 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.32 points |
| FDIC-insured bank | Yes: BNC National Bank, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 14 | 7.000% | $165,000 | 11.8% |
| Refinancing | 15 | 7.500% | $65,000 | 0.0% |
| Other purposes | 92 | 7.500% | $105,000 | 16.8% |
Where BNC National Bank lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Burleigh County, ND | 61 | 7.500% | 6.2% |
| Morton County, ND | 15 | 7.250% | 15.8% |
| Maricopa County, AZ | 13 | 6.850% | 23.5% |
| McLean County, ND | 10 | 7.625% | 23.1% |
| Emmons County, ND | 6 | Under 10 loans | 0.0% |
| Mountrail County, ND | 5 | Under 10 loans | 28.6% |
| Oliver County, ND | 3 | Under 10 loans | 0.0% |
| McIntosh County, ND | 2 | Under 10 loans | 0.0% |
| Navajo County, AZ | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Scott County, MN | 1 | Under 10 loans | 0.0% |
| Burke County, ND | 1 | Under 10 loans | 0.0% |
| Cass County, ND | 1 | Under 10 loans | 0.0% |
| McKenzie County, ND | 1 | Under 10 loans | 75.0% |
| Bottineau County, ND | 0 | Under 10 loans | 100.0% |
| Kidder County, ND | 0 | Under 10 loans | 100.0% |
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When BNC National Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.