North Dallas Bank & Trust Co. Mortgage Rates, Fees & Info
Dallas, TXLEI: FYRC3KHM4DQBX5PWG390
Tax ID: 75-1051036
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Bank 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, Gainesville, Tyler, Sherman, and Athens among others. We have data for 13 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% | 4/5/25 |
| 30 Year Conventional Refi | 6.72% | 4/5/25 |
| 30 Year Cash-out Refi | 6.97% | 4/5/25 |
| 15 Year Conventional Refi | 7.43% | 4/5/25 |
| 15 Year Cash-out Refi | 7.43% | 4/5/25 |
| 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
143Origination Dollar Volume (All Markets)
$62,315,000Employee count
156Top 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) | 128 | $56,350,000 | $440,234 | $0 | 0.00% |
| Gainesville, TX (FHA|USDA|VA) | 2 | $1,090,000 | $545,000 | $0 | 0.00% |
| TYLER, TX (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $0 | 0.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $0 | 0.00% |
| Athens, TX (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 0.00% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $225,000 | $225,000 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $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 | 143 | $62,315,000 | $435,769 | $0 | 0.00% |
For 2018, North Dallas Bank & Trust Co.'s most frequently originated type of loan was Conventional, with 143 originations.
Loan Reason
For 2018, North Dallas Bank & Trust Co.'s most frequently cited loan purpose was Home Purchase, with 100 originations. The 2nd most popular reason was Refi, with 19 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 143 | $62,315,000 | $435,769 | $0 | 0.00% |
For 2018, North Dallas Bank & Trust Co.'s most frequently cited loan duration was Other, with 143 originations.
Loan Sizing
2018 saw North Dallas Bank & Trust Co. place emphasis on $200k-400k loans with 36 originations, totaling $9,980,000 in origination value.
Applicant Income
North Dallas Bank & Trust Co. lent most frequently to those with incomes in the $250k+ range, with 51 originations. The second most popular income band? $150k-250k, with 17 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 143 | $62,315,000 | $435,769 | $0 | 0.00% |
North Dallas Bank & Trust Co. lent most frequently to those with DTI ratios of Exempt%, with 143 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.91%
North Dallas Bank & Trust Co. has an average approval rate.
Pick Rate
Approvals leading to origination74.13%
North Dallas Bank & Trust Co. has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 143 | $62,315,000 | $435,769 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 3 | $7,865,000 | $2,621,667 |
| Single Family (1-4 Units):Site-Built | 140 | $54,450,000 | $388,929 |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| North Dallas Bank & Trust Co. | 12900 Preston Road Dallas, TX 75230 | Limited, Mobile/Seasonal Office | $0 |
| North Dallas Bank & Trust Co. | 12900 Preston Road Dallas, TX 75230 | Full Service B&M | $638,165 |
| North Dallas Bank & Trust Co. | 3900 Preston Road Plano, TX 75093 | Full Service B&M | $210,717 |
| North Dallas Bank & Trust Co. | 5150 Keller Springs Road Dallas, TX 75248 | Full Service B&M | $117,745 |
| North Dallas Bank & Trust Co. | 7359 Preston Road Frisco, TX 75034 | Full Service B&M | $79,349 |
| North Dallas Bank & Trust Co. | 7660 North Macarthur Boulevard Irving, TX 75063 | Full Service B&M | $142,275 |
For 2018, North Dallas Bank & Trust Co. had 6 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $39,541 |
| Net interest income | $35,510 |
| Total noninterest income | $4,174 |
| Gross Fiduciary activities income | $1,649 |
| Service charges on deposit accounts | $878 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $1,647 |
| Pre-tax net operating income | $15,151 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $12,234 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $12,234 |
| Minority interest net income | $0 |
| Net income | $12,234 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $12,234 |
North Dallas Bank & Trust Co.'s gross interest income from loans was $39,541,000.
North Dallas Bank & Trust Co.'s net interest income from loans was $35,510,000.
North Dallas Bank & Trust Co.'s fee based income from loans was $878,000.
North Dallas Bank & Trust Co.'s net income from loans was $12,234,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $4,031 |
| Provision for credit losses | $125 |
| Total noninterest expense | $24,408 |
| Salaries and employee benefits | $16,515 |
| Premises and equipment expense | $1,101 |
| Additional noninterest expense | $6,792 |
| Applicable income taxes | $2,917 |
| Net charge-offs | $-459 |
| Cash dividends | $3,314 |
North Dallas Bank & Trust Co.'s interest expense for loans was $4,031,000.
North Dallas Bank & Trust Co.'s payroll and benefits expense were $16,515,000.
North Dallas Bank & Trust Co.'s property, plant and equipment expenses $1,101,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $1,147,410 |
| Deposits held in domestic offices | $1,147,410 |
| Deposits by Individuals, partnerships, and corporations | $1,136,430 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $10,980 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $521,995 |
| Demand deposits | $333,564 |
| Nontransaction accounts | $625,415 |
| Money market deposit accounts (MMDAs) | $280,662 |
| Other savings deposits (excluding MMDAs) | $193,894 |
| Total time deposits | $150,859 |
| Total time and savings deposits | $813,846 |
| Noninterest-bearing deposits | $333,564 |
| Interest-bearing deposits | $813,846 |
| Retail deposits | $1,091,456 |
| IRAs and Keogh plan accounts | $30,533 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $1,303,979 |
| Cash & Balances due from depository institutions | $152,276 |
| Interest-bearing balances | $139,092 |
| Total securities | $491,088 |
| Federal funds sold & reverse repurchase | $5,068 |
| Net loans and leases | $633,130 |
| Loan and leases loss allowance | $12,052 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $11,149 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $11,268 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $1,303,979 |
| Total Liabilities | $1,152,640 |
| Total deposits | $1,147,410 |
| Interest-bearing deposits | $813,846 |
| Deposits held in domestic offices | $1,147,410 |
| % insured (estimated) | $62 |
| Federal funds purchased and repurchase agreements | $3,854 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $1,376 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $633,130 |
| Loan and leases loss allowance | $12,052 |
| Total loans and leases (domestic) | $645,182 |
| All real estate loans | $546,820 |
| Real estate loans in domestic offices | $546,820 |
| Construction and development loans | $94,014 |
| Residential 1-4 family construction | $25,467 |
| Other construction, all land development and other land | $68,547 |
| Loans secured by nonfarm nonresidential properties | $201,568 |
| Nonfarm nonresidential secured by owner-occupied properties | $154,829 |
| Commercial real estate & other non-farm, non-residential | $46,739 |
| Multifamily residential real estate | $3,643 |
| 1-4 family residential loans | $244,944 |
| Farmland loans | $2,651 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $60,720 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $8,059 |
| Credit card loans | $0 |
| Related Plans | $725 |
| Consumer Auto Loans | $4,291 |
| Other loans to individuals | $3,043 |
| All other loans & leases | $31,490 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $23,342 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $20,950 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $0 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
North Dallas Bank & Trust Co. had $633,130,000 of loans outstanding in 2018. $546,820,000 of loans were in real estate loans. $94,014,000 of loans were in development loans. $3,643,000 of loans were in multifamily mortgage loans. $244,944,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $4,291,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 113 | $33,992 | $300,814 |
| Nonfarm, nonresidential loans - <$100k | 5 | $239 | $47,800 |
| Nonfarm, nonresidential loans - $100-250k | 20 | $2,634 | $131,700 |
| Nonfarm, nonresidential loans - $250k-1MM | 88 | $31,119 | $353,625 |
| Commercial & Industrial, US addressed loans - <$1MM | 304 | $36,536 | $120,184 |
| Commercial & Industrial, US addressed loans - <$100k | 148 | $3,565 | $24,088 |
| Commercial & Industrial, US addressed loans - $100-250k | 65 | $5,463 | $84,046 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 91 | $27,508 | $302,286 |
| Farmland loans - <$1MM | 4 | $164 | $41,000 |
| Farmland loans - <$100k | 1 | $26 | $26,000 |
| Farmland loans - $100-250k | 2 | $107 | $53,500 |
| Farmland loans - $250k-1MM | 1 | $31 | $31,000 |