North Dallas Bank & Trust Co. Mortgage Lending & HMDA Data, 2021
In 2021, North Dallas Bank & Trust Co. of Dallas, TX reported 199 mortgage applications totaling $97.0 million, down 25% from 2020. The average application was for $487,613, and applicants reported an average income of $417,994. 77% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Dallas-Plano-Irving, TX (176), Fort Worth-Arlington, TX (7) and College Station-Bryan, 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 | 199 |
| Total Mortgage Loan Application Amount | $97,035,000 |
| Average Mortgage Loan Application Amount | $487,613 |
| Highest Mortgage Loan Application Amount | $3,755,000 |
| Average Applicant Income | $417,994 |
| Highest Applicant Income | $3,323,000 |
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records North Dallas Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021
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 | 81 | $35,615,000 | $439,000 | $3,505,000 | $385,000 | $2,544,000 |
| Home Purchase | 75 | $46,545,000 | $620,000 | $3,755,000 | $489,000 | $3,289,000 |
| Cash-out Refinancing | 27 | $10,515,000 | $389,000 | $1,005,000 | $291,000 | $1,594,000 |
| Home Improvement | 11 | $2,125,000 | $193,000 | $505,000 | $329,000 | $1,056,000 |
| Other Purpose | 5 | $2,235,000 | $447,000 | $1,605,000 | $769,000 | $3,323,000 |
| 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 | 93 | $45,355,000 | $487,000 | $3,755,000 | $435,000 | $3,323,000 |
| Not Provided | 41 | $20,945,000 | $510,000 | $2,195,000 | $352,000 | $1,594,000 |
| Not applicable | 36 | $11,380,000 | $316,000 | $1,275,000 | $0 | $0 |
| Hispanic | 13 | $5,835,000 | $448,000 | $1,595,000 | $334,000 | $1,380,000 |
| Asian | 7 | $7,615,000 | $1,087,000 | $3,505,000 | $725,000 | $1,655,000 |
| Black or African American | 3 | $1,175,000 | $391,000 | $645,000 | $108,000 | $152,000 |
| American Indian or Alaskan Native | 1 | $1,065,000 | $1,065,000 | $1,065,000 | $279,000 | $279,000 |
| 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) | 199 | $97,035,000 | $487,000 | $3,755,000 | $416,000 | $3,323,000 |
| 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 | 153 | $75,945,000 | $496,000 | $3,755,000 | $459,000 | $3,323,000 |
| Application Denied By Financial Institution | 19 | $8,515,000 | $448,000 | $1,265,000 | $187,000 | $1,620,000 |
| Application Withdrawn By Applicant | 15 | $5,315,000 | $354,000 | $865,000 | $514,000 | $2,003,000 |
| Application Approved But Not Accepted | 7 | $3,115,000 | $445,000 | $1,065,000 | $142,000 | $279,000 |
| File Closed For Incompleteness | 5 | $4,145,000 | $829,000 | $1,205,000 | $371,000 | $692,000 |
| 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 | 199 | $97,035,000 | $487,000 | $3,755,000 | $416,000 | $3,323,000 |
| 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 2021 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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