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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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UNION BANK AND TRUST COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNION BANK AND TRUST COMPANY |
| Address | 4243 PIONEER WOODS DR
LINCOLN, NE 68506 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 2,990 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $298,836,000 |
| Average Mortgage Loan Amount Applied For | $118,755 |
| Highest Mortgage Loan Amount Applied For | $1,868,000 |
| Average Applicant Income | $87,874 |
| Highest Applicant Income | $799,000 |
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| Home Improvement |
346 | $5,978,000 |
$17,000 | $120,000 |
$57,000 | $266,000 |
| Home Purchase |
1,565 | $173,357,000 |
$110,000 | $1,000,000 |
$65,000 | $799,000 |
| Refinancing |
1,079 | $119,501,000 |
$110,000 | $1,868,000 |
$74,000 | $776,000 |
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| American Indian or Alaskan Native |
6 | $534,000 |
$89,000 | $200,000 |
$108,000 | $353,000 |
| Asian |
35 | $2,809,000 |
$80,000 | $323,000 |
$69,000 | $147,000 |
| Black or African American |
33 | $3,366,000 |
$102,000 | $295,000 |
$65,000 | $132,000 |
| Hispanic |
105 | $9,354,000 |
$89,000 | $1,115,000 |
$52,000 | $312,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $313,000 |
$156,000 | $310,000 |
$72,000 | $121,000 |
| Not applicable |
40 | $6,284,000 |
$157,000 | $1,868,000 |
$11,000 | $73,000 |
| Not Provided |
50 | $7,051,000 |
$141,000 | $1,000,000 |
$86,000 | $660,000 |
| White |
2,719 | $269,125,000 |
$98,000 | $906,000 |
$68,000 | $799,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,737 | $268,223,000 |
$97,000 | $1,868,000 |
$68,000 | $799,000 |
| FHA-insured (Federal Housing Administration) |
185 | $20,493,000 |
$110,000 | $203,000 |
$62,000 | $780,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
68 | $10,120,000 |
$148,000 | $362,000 |
$62,000 | $160,000 |
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| Application Approved But Not Accepted |
37 | $2,098,000 |
$56,000 | $345,000 |
$59,000 | $143,000 |
| Application Denied By Financial Institution |
110 | $5,247,000 |
$47,000 | $208,000 |
$45,000 | $167,000 |
| Application Withdrawn By Applicant |
180 | $20,522,000 |
$114,000 | $888,000 |
$72,000 | $469,000 |
| File Closed For Incompleteness |
3 | $270,000 |
$90,000 | $130,000 |
$57,000 | $69,000 |
| Loan Originated |
2,660 | $270,699,000 |
$101,000 | $1,868,000 |
$68,000 | $799,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for UNION BANK AND TRUST COMPANY by:
Metropolitan Area And
County
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