North Dallas Bank & Trust Co. Mortgage Lending & HMDA Data, 2010
In 2010, North Dallas Bank & Trust Co. of Dallas, TX reported 191 mortgage applications totaling $57.7 million, down 9% from 2009. The average application was for $302,151, and applicants reported an average income of $258,842. 59% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Dallas-Plano-Irving, TX (168), Fort Worth-Arlington, TX (8) and Austin-Round Rock-San Marcos, TX (3) (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 | 191 |
| Total Mortgage Loan Application Amount | $57,711,000 |
| Average Mortgage Loan Application Amount | $302,151 |
| Highest Mortgage Loan Application Amount | $3,560,000 |
| Average Applicant Income | $258,842 |
| Highest Applicant Income | $3,933,000 |
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records North Dallas Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 90 | $29,157,000 | $323,000 | $2,200,000 | $221,000 | $1,405,000 |
| Home Purchase | 69 | $25,463,000 | $369,000 | $3,560,000 | $329,000 | $3,933,000 |
| Home Improvement | 32 | $3,091,000 | $96,000 | $670,000 | $214,000 | $1,240,000 |
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 | 146 | $40,336,000 | $276,000 | $2,200,000 | $216,000 | $1,240,000 |
| Not applicable | 15 | $1,990,000 | $132,000 | $440,000 | $0 | $0 |
| Hispanic | 12 | $8,820,000 | $735,000 | $3,560,000 | $1,064,000 | $3,933,000 |
| Asian | 9 | $2,995,000 | $332,000 | $976,000 | $334,000 | $955,000 |
| Not Provided | 6 | $2,758,000 | $459,000 | $1,178,000 | $293,000 | $1,405,000 |
| Black or African American | 3 | $812,000 | $270,000 | $720,000 | $116,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 191 | $57,711,000 | $302,000 | $3,560,000 | $259,000 | $3,933,000 |
| 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 | 112 | $32,784,000 | $292,000 | $3,560,000 | $297,000 | $3,933,000 |
| Application Denied By Financial Institution | 45 | $11,726,000 | $260,000 | $1,178,000 | $162,000 | $1,405,000 |
| Application Withdrawn By Applicant | 28 | $11,792,000 | $421,000 | $2,200,000 | $290,000 | $834,000 |
| Application Approved But Not Accepted | 5 | $555,000 | $111,000 | $310,000 | $101,000 | $140,000 |
| File Closed For Incompleteness | 1 | $854,000 | $854,000 | $854,000 | $334,000 | $334,000 |
| 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 2010 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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