# North Dallas Bank & Trust Co.

> **Canonical URL:** https://saferate.com/lenders/north-dallas-bank-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


North Dallas Bank & Trust Co. is a bank, headquartered in Dallas, TX, serving borrowers across 4 states, with 27 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 67% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 76% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** FYRC3KHM4DQBX5PWG390
- **Headquarters:** Dallas, TX
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AR, FL, OK, TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.052%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,147
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 27
- **Dollar Volume:** $17 million
- **Applications Received:** 62
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $625,741
- **Average Borrower Income:** $652,815
- **Average Property Value:** $931,296

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 13/100 | 20 | +0.063% | $1,180 | Mediocre 😐 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 19/100 | 24 | $16M | +0.057% | Mediocre 😐 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 24 | 0.01% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dallas | TX | 21 | 57/100 |

## Frequently Asked Questions

### What loan types does North Dallas Bank & Trust Co. offer?

North Dallas Bank & Trust Co. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does North Dallas Bank & Trust Co. offer mortgages?

North Dallas Bank & Trust Co. offers mortgages in 4 states: AR, FL, OK, TX.

### How competitive are North Dallas Bank & Trust Co.'s mortgage rates?

North Dallas Bank & Trust Co. has a pricing score of 33/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.052% above market average.

### What type of lender is North Dallas Bank & Trust Co.?

North Dallas Bank & Trust Co. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Dallas, TX.

### What is North Dallas Bank & Trust Co.'s loan approval success rate?

North Dallas Bank & Trust Co. has a pull-through score of 24/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/north-dallas-bank-trust

### How to Cite

> "North Dallas Bank & Trust Co. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/north-dallas-bank-trust

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