North Dallas Bank & Trust Co. Mortgage Lending & HMDA Data, 2017
In 2017, North Dallas Bank & Trust Co. of Dallas, TX reported 237 mortgage applications totaling $117.9 million, down 13% from 2016. The average application was for $497,561, and applicants reported an average income of $381,308. 66% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Dallas-Plano-Irving, TX (204), Fort Worth-Arlington, TX (12) and Tyler, 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 | 237 |
| Total Mortgage Loan Application Amount | $117,922,000 |
| Average Mortgage Loan Application Amount | $497,561 |
| Highest Mortgage Loan Application Amount | $2,681,000 |
| Average Applicant Income | $381,308 |
| Highest Applicant Income | $2,564,000 |
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records North Dallas Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 | 152 | $91,972,000 | $605,000 | $2,681,000 | $435,000 | $2,564,000 |
| Refinancing | 50 | $17,543,000 | $350,000 | $1,600,000 | $310,000 | $2,077,000 |
| Home Improvement | 35 | $8,407,000 | $240,000 | $1,290,000 | $250,000 | $1,076,000 |
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 | 154 | $79,004,000 | $513,000 | $2,681,000 | $437,000 | $2,564,000 |
| Not Provided | 27 | $11,231,000 | $415,000 | $1,562,000 | $282,000 | $1,247,000 |
| Asian | 22 | $13,057,000 | $593,000 | $2,200,000 | $434,000 | $1,154,000 |
| Not applicable | 15 | $6,611,000 | $440,000 | $2,557,000 | $0 | $0 |
| Hispanic | 14 | $7,243,000 | $517,000 | $1,800,000 | $378,000 | $1,312,000 |
| American Indian or Alaskan Native | 4 | $576,000 | $144,000 | $288,000 | $128,000 | $147,000 |
| Black or African American | 1 | $200,000 | $200,000 | $200,000 | $43,000 | $43,000 |
| 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) | 237 | $117,922,000 | $497,000 | $2,681,000 | $381,000 | $2,564,000 |
| 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 | 156 | $76,615,000 | $491,000 | $2,557,000 | $408,000 | $2,564,000 |
| Application Denied By Financial Institution | 34 | $18,626,000 | $547,000 | $2,681,000 | $243,000 | $1,045,000 |
| Application Withdrawn By Applicant | 30 | $12,034,000 | $401,000 | $1,800,000 | $362,000 | $2,300,000 |
| Application Approved But Not Accepted | 10 | $4,410,000 | $441,000 | $1,560,000 | $341,000 | $1,312,000 |
| File Closed For Incompleteness | 7 | $6,237,000 | $891,000 | $1,562,000 | $604,000 | $1,085,000 |
| 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 2017 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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