Applications / Mortgage Analytics / Lenders / Texas / North Dallas Bank & Trust Company
Dallas, TX · State non-member bank · FDIC · $1.9 billion assets · 66 loans in 2025
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66
loans originated, 2025
109
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
North Dallas Bank & Trust Company is a Dallas bank whose lending runs to large homes: almost a third of its loans are jumbo.
In 2025, 31.0% of its loans were jumbo (larger than the conforming limit), against 1.7% at similar banks (state non-member banks making between half and twice as many loans). That is higher than at almost all of them. Its typical loan was $425,000, against $170,000. Most of its lending, 71.2%, bought homes, and its typical rate, 6.50%, was lower than at most peers, where it was 7.00%.
Only 4.5% of its loans went to low- and moderate-income (LMI) neighborhoods, against 18.6% at peers, among the lowest tenth. LMI borrowers took 11.6%, against 27.3%. Its focus on jumbo loans may explain much of this, since such loans go to costlier homes. It lent more in majority-minority neighborhoods, 27.3% against 6.9%.
Its loans rose 25% in 2025, to 66, faster than similar banks (9%) and the whole market (10%). But they remain far below the 180 it made in 2020 and the 143 of 2018.
It has lent in Dallas-Fort Worth since at least 1990 and ranks 250 of 1,026 there, a market led by United Wholesale Mortgage. Its loans reach five states, including Colorado and New Mexico outside the cities.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. North Dallas Bank & Trust Company took 109 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.2% · Refinance 15.2% · Home improvement 10.6% · Other 3.0%
Conventional 100.0% · of 66 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 61 | 92.4% |
| Florida | 2 | 3.0% |
| Colorado | 1 | 1.5% |
| New Mexico | 1 | 1.5% |
| Oklahoma | 1 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 54 |
| Fort Worth-Arlington-Grapevine | 2 |
| Corpus Christi | 1 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| Miami-Miami Beach-Kendall | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | FYRC3KHM4DQBX5PWG390 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 490450 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318355 | 1990–2017 |
Established 20 March 1961. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: North Dallas Bank & Trust Company's data.
North Dallas Bank & Trust Company's data
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North Dallas Bank & Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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