Lender profile · HMDA 2023–2025
BNC National Bank mortgage approval rates & lending data
BNC National Bank decided 1,043 mortgage applications and funded 849 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 85% | 745 / 881 | 100% | $435K | 745 |
| Cash-out refinance | 46% | 13 / 28 | 100% | $315K | 13 |
| Refinance | 55% | 21 / 38 | 100% | $335K | 21 |
| Investment property purchase | 79% | 58 / 73 | 100% | $295K | 58 |
BNC National Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 81% | $455K | 134 | 108 |
| Florida | 82% | $395K | 128 | 105 |
| California | 80% | $595K | 61 | 49 |
| Virginia | 88% | $595K | 52 | 46 |
| New Jersey | 84% | $535K | 44 | 37 |
| Colorado | 92% | $455K | 37 | 34 |
| Georgia | 76% | $405K | 37 | 28 |
| North Carolina | 83% | $385K | 36 | 30 |
| Washington | 83% | $525K | 35 | 29 |
| Missouri | 81% | $255K | 32 | 26 |
| Maryland | 74% | $465K | 31 | 23 |
| Arizona | 80% | $405K | 30 | 24 |
| Nevada | 89% | $475K | 28 | 25 |
| Tennessee | 82% | $365K | 28 | 23 |
| Pennsylvania | 88% | $455K | 25 | 22 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.