North Dallas Bank & Trust Co. Mortgage Lending & HMDA Data, 2009
In 2009, North Dallas Bank & Trust Co. of Dallas, TX reported 210 mortgage applications totaling $52.6 million, up 1% from 2008. The average application was for $250,490, and applicants reported an average income of $199,690. 58% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Dallas-Plano-Irving, TX (187), Fort Worth-Arlington, TX (7) and Sherman-Denison, TX (2) (applications in parentheses).
| Mortgage Company & Address | North Dallas Bank & Trust Co. 12900 Preston Rd Dallas, TX 75230 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 210 |
| Total Mortgage Loan Application Amount | $52,603,000 |
| Average Mortgage Loan Application Amount | $250,490 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $199,690 |
| Highest Applicant Income | $2,695,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records North Dallas Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for North Dallas Bank & Trust Co. in 2009
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 90 | $22,032,000 | $244,000 | $1,116,000 | $196,000 | $2,695,000 |
| Refinancing | 85 | $27,643,000 | $325,000 | $1,600,000 | $229,000 | $2,400,000 |
| Home Improvement | 35 | $2,928,000 | $83,000 | $1,065,000 | $138,000 | $860,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 135 | $35,043,000 | $259,000 | $1,600,000 | $250,000 | $2,695,000 |
| Hispanic | 29 | $4,407,000 | $151,000 | $1,400,000 | $92,000 | $856,000 |
| Not applicable | 21 | $6,770,000 | $322,000 | $1,051,000 | $0 | $0 |
| Not Provided | 12 | $2,651,000 | $220,000 | $960,000 | $209,000 | $563,000 |
| Asian | 7 | $3,527,000 | $503,000 | $999,000 | $373,000 | $871,000 |
| Black or African American | 4 | $66,000 | $16,000 | $40,000 | $43,000 | $70,000 |
| American Indian or Alaskan Native | 2 | $139,000 | $69,000 | $119,000 | $102,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 210 | $52,603,000 | $250,000 | $1,600,000 | $200,000 | $2,695,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 122 | $31,624,000 | $259,000 | $1,600,000 | $218,000 | $2,695,000 |
| Application Denied By Financial Institution | 47 | $11,505,000 | $244,000 | $1,400,000 | $177,000 | $2,312,000 |
| Application Withdrawn By Applicant | 32 | $7,910,000 | $247,000 | $1,346,000 | $200,000 | $800,000 |
| File Closed For Incompleteness | 6 | $1,278,000 | $213,000 | $328,000 | $84,000 | $150,000 |
| Application Approved But Not Accepted | 3 | $286,000 | $95,000 | $114,000 | $67,000 | $118,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into North Dallas Bank & Trust Co.'s 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess North Dallas Bank & Trust Co.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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