North Dallas Bank & Trust Co. Mortgage Lending & HMDA Data, 2019
In 2019, North Dallas Bank & Trust Co. of Dallas, TX reported 201 mortgage applications totaling $118.8 million, down 9% from 2018. The average application was for $591,268, and applicants reported an average income of $426,154. 62% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Dallas-Plano-Irving, TX (156), Fort Worth-Arlington, TX (18) and Sherman-Denison, TX (4) (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 | 201 |
| Total Mortgage Loan Application Amount | $118,845,000 |
| Average Mortgage Loan Application Amount | $591,268 |
| Highest Mortgage Loan Application Amount | $12,775,000 |
| Average Applicant Income | $426,154 |
| Highest Applicant Income | $2,639,000 |
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records North Dallas Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019
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 | 135 | $87,325,000 | $646,000 | $4,285,000 | $501,000 | $2,639,000 |
| Refinancing | 35 | $13,825,000 | $395,000 | $1,505,000 | $228,000 | $657,000 |
| Home Improvement | 14 | $14,800,000 | $1,057,000 | $12,775,000 | $385,000 | $1,172,000 |
| Other Purpose | 12 | $1,900,000 | $158,000 | $705,000 | $301,000 | $1,304,000 |
| Cash-out Refinancing | 5 | $995,000 | $199,000 | $305,000 | $208,000 | $330,000 |
| 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 | 113 | $59,395,000 | $525,000 | $4,285,000 | $431,000 | $2,639,000 |
| Not Provided | 40 | $25,840,000 | $646,000 | $2,705,000 | $424,000 | $2,096,000 |
| Not applicable | 25 | $21,785,000 | $871,000 | $12,775,000 | $0 | $0 |
| Asian | 12 | $4,950,000 | $412,000 | $885,000 | $494,000 | $1,188,000 |
| Hispanic | 7 | $3,495,000 | $499,000 | $1,105,000 | $162,000 | $390,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $23,000 | $23,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 201 | $118,845,000 | $591,000 | $12,775,000 | $417,000 | $2,639,000 |
| 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 | 124 | $72,650,000 | $585,000 | $12,775,000 | $479,000 | $2,639,000 |
| Application Withdrawn By Applicant | 37 | $13,955,000 | $377,000 | $895,000 | $323,000 | $1,188,000 |
| Application Denied By Financial Institution | 28 | $23,140,000 | $826,000 | $4,285,000 | $265,000 | $1,812,000 |
| Application Approved But Not Accepted | 7 | $6,605,000 | $943,000 | $3,005,000 | $651,000 | $1,370,000 |
| File Closed For Incompleteness | 5 | $2,495,000 | $499,000 | $1,255,000 | $330,000 | $947,000 |
| 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 | 201 | $118,845,000 | $591,000 | $12,775,000 | $417,000 | $2,639,000 |
| 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 2019 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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