BNC National Bank in North Dakota vs the state
12.5%Denial rate+1.06 pts vs state
13.6%Decision denial rate-0.12 pts vs state
77.2%Origination rate+7.52 pts vs state
7.50%Median rate+1.00 pts vs state
0.34Rate spread (pts)+0.10 pts vs state
$133kMedian applicant income
105Loans originated
17Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 139 | 112 | 6.5% | 7.12% | #26 |
| 2024 | 112 | 95 | 6.3% | 7.75% | #37 |
| 2025 | 136 | 105 | 12.5% | 7.50% | #37 |
What BNC National Bank lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most BNC National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burleigh County | 75 | 61 | 4 | 5.3% |
| Morton County | 19 | 15 | 3 | 15.8% |
| McLean County | 13 | 10 | 3 | 23.1% |
| Emmons County | 8 | 6 | 0 | 0.0% |
| Mountrail County | 7 | 5 | 2 | 28.6% |
| McKenzie County | 4 | 1 | 3 | 75.0% |
| Oliver County | 3 | 3 | 0 | 0.0% |
| McIntosh County | 2 | 2 | 0 | 0.0% |
| Burke County | 2 | 1 | 0 | 0.0% |
| Cass County | 1 | 1 | 0 | 0.0% |
Other large lenders in North Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Gate City Bank | C | 3,106 | 11.3% | 6.65% |
| First International Bank & Trust | B | 1,112 | 4.0% | 6.63% |
| United Shore Financial Services | B | 881 | 7.5% | 6.25% |
| Rocket Mortgage | C | 827 | 21.6% | 6.63% |
| Bell Bank | A | 806 | 7.7% | 6.99% |
| First Community Credit Union | B | 675 | 7.1% | 6.49% |
| Capital | C | 646 | 3.7% | 7.00% |
| TOWN AND COUNTRY Credit Union | B | 571 | 2.1% | 6.25% |
| Mortgage Research Center | C | 500 | 13.6% | 6.25% |
| Fairway Independent Mortgage | B | 497 | 3.0% | 6.40% |
Frequently asked questions
North Dakota: 136 applications in 2025, of which 105 were originated and 17 denied.
12.5% of all applications, or 13.6% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans BNC National Bank originated in North Dakota in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are BNC National Bank's own HMDA filing for properties located in North Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology