North Dallas Bank & Trust Co.
North Dallas Bank & Trust Co. received 109 applications in 2025 and made 66 mortgages, in 19 counties across 7 states. The median rate its borrowers got was 6.500% on a median loan of $425,000. Of 91 decisions, 19 were denials — 20.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | FYRC3KHM4DQBX5PWG390 |
|---|---|
| Applications received | 109 |
| Mortgages made | 66 |
| Denied | 19 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.029 points |
| FDIC-insured bank | Yes: North Dallas Bank & Trust Co., 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 47 | 6.500% | $555,000 | 18.6% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 18.2% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Other purposes | 9 | Under 10 loans | Under 10 loans | 26.7% |
Where North Dallas Bank & Trust Co. lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Dallas County, TX | 38 | 6.625% | 21.8% |
| Collin County, TX | 12 | 6.500% | 14.3% |
| Denton County, TX | 2 | Under 10 loans | 0.0% |
| Henderson County, TX | 2 | Under 10 loans | 0.0% |
| Tarrant County, TX | 2 | Under 10 loans | 33.3% |
| Summit County, CO | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 0.0% |
| Colfax County, NM | 1 | Under 10 loans | 0.0% |
| Pushmataha County, OK | 1 | Under 10 loans | 0.0% |
| Franklin County, TX | 1 | Under 10 loans | 0.0% |
| Galveston County, TX | 1 | Under 10 loans | 0.0% |
| Hunt County, TX | 1 | Under 10 loans | 66.7% |
| Kaufman County, TX | 1 | Under 10 loans | 0.0% |
| Nueces County, TX | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 0 | Under 10 loans | 0.0% |
| Bryan County, OK | 0 | Under 10 loans | 100.0% |
| Hays County, TX | 0 | Under 10 loans | 100.0% |
| Prince William County, VA | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.