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Unclaimed

North Dallas Bank & Trust Co.

Bank•Dallas, TX•Direct

North Dallas Bank Trust has 27 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Acceptable
closing strength
Products
Mediocre
Conventional
Place
Sound
Regional · 1 mkts

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Safe Rate's Summary

Things to Think About

  • Pricing may be below industry average
  • Pull through efficiency is below industry average

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Report Card

North Dallas Bank & Trust Co. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+5.2 bps above market avg
Pull Through
Closing strength
Acceptable
Near industry average
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Mediocre
Below peers
Bottom 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Mediocre
Below peers
Bottom 20% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Regional1 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Acceptable
Mediocre
Acceptable
Mediocre
2074.1%
+0.063%Above
$1,180Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Acceptable
Mediocre
Acceptable
Mediocre
2488.9%
+0.057%Above
$1,190Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
27
Applications
62
Volume
$16 million
Pricing & Closing
Avg Rate Spread
+0.052%
vs. market APOR
Avg Net Fees
$1,147
Origination − Credits
Pullthrough Rate
43.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$625,741
Avg Borrower Income
$652,815
Avg Property Value
$931,296

Geographic Coverage

Geographic Performance

Metro Areas
1
States Served
4
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

ARFLOKTX

Top Metro Areas by Place Specialization Score

1
Dallas, TXMSA
Volume: 21Mix: 77.78%of portfolio
Place
Sound

Top States by Place Specialization Score

1
TXState
Volume: 24Mix: 88.89%of portfolio
Place
Sound

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.