North Dallas Bank & Trust Co. Mortgage Rates, Fees & Info
Dallas, TXLEI: FYRC3KHM4DQBX5PWG390
Tax ID: 75-1051036
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Mortgage Data
Review & Overview
North Dallas Bank & Trust Co. is a smaller bank specializing in Home Purchase loans. North Dallas Bank & Trust Co. has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Athens, Crestview, Austin, and Durant among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)North Dallas Bank & Trust Co. has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.77% | 4/16/25 |
| 30 Year Conventional Refi | 6.72% | 4/16/25 |
| 30 Year Cash-out Refi | 6.97% | 4/16/25 |
| 15 Year Conventional Refi | 7.43% | 4/16/25 |
| 15 Year Cash-out Refi | 7.43% | 4/16/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
North Dallas Bank & Trust Co. Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
66Origination Dollar Volume (All Markets)
$51,260,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 54 | $43,740,000 | $810,000 | $0 | 0.00% |
| Athens, TX (FHA|USDA|VA) | 2 | $2,680,000 | $1,340,000 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $710,000 | $355,000 | $0 | 0.00% |
| Durant, OK (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $0 | 0.00% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $0 | 0.00% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 0.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| Edwards, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against North Dallas Bank & Trust Co. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 66 | $51,260,000 | $776,667 | $0 | 0.00% |
For 2023, North Dallas Bank & Trust Co.'s most frequently originated type of loan was Conventional, with 66 originations.
Loan Reason
For 2023, North Dallas Bank & Trust Co.'s most frequently cited loan purpose was Home Purchase, with 44 originations. The 2nd most popular reason was Home Improvement, with 9 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 66 | $51,260,000 | $776,667 | $0 | 0.00% |
For 2023, North Dallas Bank & Trust Co.'s most frequently cited loan duration was Other, with 66 originations.
Loan Sizing
2023 saw North Dallas Bank & Trust Co. place emphasis on $1MM+ loans with 20 originations, totaling $34,630,000 in origination value.
Applicant Income
North Dallas Bank & Trust Co. lent most frequently to those with incomes in the $250k+ range, with 29 originations. The second most popular income band? $150k-250k, with 6 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 66 | $51,260,000 | $776,667 | $0 | 0.00% |
North Dallas Bank & Trust Co. lent most frequently to those with DTI ratios of Exempt%, with 66 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.20%
North Dallas Bank & Trust Co. has a below average approval rate.
Pick Rate
Approvals leading to origination56.06%
North Dallas Bank & Trust Co. has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 66 | $51,260,000 | $776,667 |