North Dallas Bank & Trust in Texas vs the state
17.8%Denial rate-1.61 pts vs state
21.4%Decision denial rate-3.47 pts vs state
60.4%Origination rate+5.52 pts vs state
6.50%Median rate0.00 pts vs state
0.04Rate spread (pts)-0.16 pts vs state
$188kMedian applicant income
61Loans originated
18Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 110 | 60 | 21.8% | — | #537 |
| 2024 | 97 | 50 | 27.8% | 7.06% | #567 |
| 2025 | 101 | 61 | 17.8% | 6.50% | #547 |
What North Dallas Bank & Trust lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most North Dallas Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 67 | 38 | 12 | 17.9% |
| Collin County | 14 | 12 | 2 | 14.3% |
| Tarrant County | 5 | 2 | 1 | 20.0% |
| Hunt County | 4 | 1 | 2 | 50.0% |
| Henderson County | 3 | 2 | 0 | 0.0% |
| Denton County | 3 | 2 | 0 | 0.0% |
| Hays County | 1 | 0 | 1 | 100.0% |
| Galveston County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Kaufman County | 1 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 101 applications in 2025, of which 61 were originated and 18 denied.
17.8% of all applications, or 21.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans North Dallas Bank & Trust originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are North Dallas Bank & Trust's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology