North Dallas Bank & Trust Co. Mortgage Lending & HMDA Data, 2018
In 2018, North Dallas Bank & Trust Co. of Dallas, TX reported 220 mortgage applications totaling $104.2 million, down 7% from 2017. The average application was for $473,500, and applicants reported an average income of $371,440. 65% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Dallas-Plano-Irving, TX (180), Fort Worth-Arlington, TX (15) 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 | 220 |
| Total Mortgage Loan Application Amount | $104,170,000 |
| Average Mortgage Loan Application Amount | $473,500 |
| Highest Mortgage Loan Application Amount | $4,275,000 |
| Average Applicant Income | $371,440 |
| Highest Applicant Income | $2,421,000 |
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records North Dallas Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018
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 | 151 | $85,035,000 | $563,000 | $4,275,000 | $426,000 | $2,421,000 |
| Refinancing | 35 | $13,075,000 | $373,000 | $1,025,000 | $227,000 | $1,027,000 |
| Home Improvement | 15 | $2,855,000 | $190,000 | $1,005,000 | $429,000 | $1,684,000 |
| Other Purpose | 10 | $840,000 | $84,000 | $335,000 | $194,000 | $509,000 |
| Cash-out Refinancing | 9 | $2,365,000 | $262,000 | $755,000 | $119,000 | $420,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 106 | $43,450,000 | $409,000 | $2,245,000 | $414,000 | $2,421,000 |
| Not Provided | 67 | $34,695,000 | $517,000 | $2,505,000 | $287,000 | $2,194,000 |
| Not applicable | 34 | $19,250,000 | $566,000 | $4,275,000 | $0 | $0 |
| Hispanic | 9 | $6,035,000 | $670,000 | $2,565,000 | $459,000 | $1,312,000 |
| Black or African American | 3 | $465,000 | $155,000 | $175,000 | $37,000 | $37,000 |
| Asian | 1 | $275,000 | $275,000 | $275,000 | $156,000 | $156,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 220 | $104,170,000 | $473,000 | $4,275,000 | $366,000 | $2,421,000 |
| 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 | 143 | $62,315,000 | $435,000 | $4,275,000 | $380,000 | $2,421,000 |
| Application Denied By Financial Institution | 31 | $15,475,000 | $499,000 | $2,555,000 | $210,000 | $792,000 |
| Application Withdrawn By Applicant | 25 | $12,695,000 | $507,000 | $1,275,000 | $539,000 | $2,194,000 |
| Application Approved But Not Accepted | 12 | $7,490,000 | $624,000 | $2,245,000 | $287,000 | $703,000 |
| File Closed For Incompleteness | 9 | $6,195,000 | $688,000 | $1,385,000 | $346,000 | $830,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 220 | $104,170,000 | $473,000 | $4,275,000 | $366,000 | $2,421,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into North Dallas Bank & Trust Co.'s 2018 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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