BNC National Bank mortgage approval rate & lending review
BNC National Bank decided 1,043 mortgage applications and funded 849 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions BNC National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
BNC National Bank at a glance
Approval is 4.9 points below the 86.3% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Questions about BNC National Bank
What is BNC National Bank's mortgage approval rate?
BNC National Bank approved 81.4% of the 1,043 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.9 points below the 86.3% national rate for the same mix of loan types.
How often do borrowers take the loan BNC National Bank offers?
Borrowers accepted 100% of the loans BNC National Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does BNC National Bank make?
The typical home purchase mortgage loan BNC National Bank made was $435K; across all loan types its typical loan ran from $295K to $435K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does BNC National Bank lend?
BNC National Bank decided applications in 47 of the states Fat Boy Data covers, most of them in Texas, Florida and California.
Can I apply to BNC National Bank directly?
Yes. BNC National Bank is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show BNC National Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how BNC National Bank treats applications, then get a rate quote from the lender.