Union Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Union Bank And Trust Company 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Union Bank And Trust Company Po Box 82535 Lincoln, NE 68501 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,730 |
| Total Mortgage Loan Application Amount | $299,695,000 |
| Average Mortgage Loan Application Amount | $178,027 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $101,388 |
| Highest Applicant Income | $2,400,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Union Bank And Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Union Bank And Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Union Bank And Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Union Bank And Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Union Bank And Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Union Bank And Trust Company's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lancaster County Nebraska | 1,709 | $ 195,898,000 | $ 114,000 | $ 50,000 |
| Douglas County Nebraska | 143 | $ 19,828,000 | $ 138,000 | $ 75,000 |
| Seward County Nebraska | 114 | $ 9,656,000 | $ 84,000 | $ 50,000 |
| Sarpy County Nebraska | 77 | $ 11,329,000 | $ 147,000 | $ 62,000 |
| Saunders County Nebraska | 64 | $ 6,950,000 | $ 108,000 | $ 71,000 |
| Cherry County Nebraska | 59 | $ 3,147,000 | $ 53,000 | $ 44,000 |
| York County Nebraska | 58 | $ 4,828,000 | $ 83,000 | $ 50,000 |
| Cass County Nebraska | 40 | $ 5,634,000 | $ 140,000 | $ 58,000 |
| Saline County Nebraska | 38 | $ 2,903,000 | $ 76,000 | $ 45,000 |
| Gage County Nebraska | 36 | $ 2,729,000 | $ 75,000 | $ 52,000 |
| Butler County Nebraska | 33 | $ 1,916,000 | $ 58,000 | $ 31,000 |
| Jefferson County Nebraska | 30 | $ 1,619,000 | $ 53,000 | $ 39,000 |
| Red Willow County Nebraska | 30 | $ 1,833,000 | $ 61,000 | $ 49,000 |
| Hall County Nebraska | 27 | $ 1,646,000 | $ 60,000 | $ 44,000 |
| Nemaha County Nebraska | 24 | $ 1,531,000 | $ 63,000 | $ 49,000 |
| Otoe County Nebraska | 24 | $ 2,859,000 | $ 119,000 | $ 63,000 |
| Brown County Nebraska | 12 | $ 341,000 | $ 28,000 | $ 31,000 |
| Dodge County Nebraska | 10 | $ 1,018,000 | $ 101,000 | $ 105,000 |
| Buffalo County Nebraska | 9 | $ 784,000 | $ 87,000 | $ 48,000 |
| Pawnee County Nebraska | 9 | $ 396,000 | $ 44,000 | $ 40,000 |
| Adams County Nebraska | 8 | $ 818,000 | $ 102,000 | $ 52,000 |
| Howard County Nebraska | 7 | $ 376,000 | $ 53,000 | $ 38,000 |
| Loup County Nebraska | 7 | $ 321,000 | $ 45,000 | $ 31,000 |
| Pottawattamie County Iowa | 6 | $ 624,000 | $ 104,000 | $ 66,000 |
| Washington County Nebraska | 6 | $ 646,000 | $ 107,000 | $ 55,000 |
| Dawson County Nebraska | 5 | $ 489,000 | $ 97,000 | $ 40,000 |
| Fillmore County Nebraska | 5 | $ 468,000 | $ 93,000 | $ 59,000 |
| Phelps County Nebraska | 5 | $ 440,000 | $ 88,000 | $ 264,000 |
| Thayer County Nebraska | 5 | $ 111,000 | $ 22,000 | $ 30,000 |
| Boone County Nebraska | 4 | $ 318,000 | $ 79,000 | $ 34,000 |
| Custer County Nebraska | 4 | $ 501,000 | $ 125,000 | $ 17,000 |
| Garfield County Nebraska | 4 | $ 289,000 | $ 72,000 | $ 74,000 |
| Platte County Nebraska | 4 | $ 309,000 | $ 77,000 | $ 39,000 |
| Polk County Nebraska | 4 | $ 198,000 | $ 49,000 | $ 27,000 |
| Clark County Nevada | 4 | $ 534,000 | $ 133,000 | $ 141,000 |
| Washington County Kansas | 3 | $ 99,000 | $ 33,000 | $ 43,000 |
| Jackson County Missouri | 3 | $ 424,000 | $ 141,000 | $ 54,000 |
| St. Louis County Missouri | 3 | $ 611,000 | $ 203,000 | $ 298,000 |
| Hamilton County Nebraska | 3 | $ 753,000 | $ 251,000 | $ 29,000 |
| Johnson County Nebraska | 3 | $ 360,000 | $ 120,000 | $ 50,000 |
| Lincoln County Nebraska | 3 | $ 407,000 | $ 135,000 | $ 66,000 |
| Maricopa County Arizona | 2 | $ 296,000 | $ 148,000 | $ 239,000 |
| Alameda County California | 2 | $ 374,000 | $ 187,000 | $ 130,000 |
| Summit County Colorado | 2 | $ 344,000 | $ 172,000 | $ 286,000 |
| Cook County Illinois | 2 | $ 494,000 | $ 247,000 | $ 68,000 |
| Monona County Iowa | 2 | $ 547,000 | $ 273,000 | $ 0 |
| Polk County Iowa | 2 | $ 141,000 | $ 70,000 | $ 42,000 |
| Riley County Kansas | 2 | $ 213,000 | $ 106,000 | $ 150,000 |
| Holt County Missouri | 2 | $ 101,000 | $ 50,000 | $ 72,000 |
| Clay County Nebraska | 2 | $ 130,000 | $ 65,000 | $ 40,000 |
| Madison County Nebraska | 2 | $ 171,000 | $ 85,000 | $ 76,000 |
| Richardson County Nebraska | 2 | $ 194,000 | $ 97,000 | $ 19,000 |
| Rock County Nebraska | 2 | $ 48,000 | $ 24,000 | $ 15,000 |
| Stanton County Nebraska | 2 | $ 149,000 | $ 74,000 | $ 37,000 |
| Thomas County Nebraska | 2 | $ 93,000 | $ 46,000 | $ 12,000 |
| Valley County Nebraska | 2 | $ 740,000 | $ 370,000 | $ 0 |
| Boulder County Colorado | 1 | $ 101,000 | $ 101,000 | $ 45,000 |
| Denver County Colorado | 1 | $ 3,000 | $ 3,000 | $ 54,000 |
| Eagle County Colorado | 1 | $ 450,000 | $ 450,000 | $ 276,000 |
| Larimer County Colorado | 1 | $ 110,000 | $ 110,000 | $ 23,000 |
| Routt County Colorado | 1 | $ 157,000 | $ 157,000 | $ 83,000 |
| Collier County Florida | 1 | $ 194,000 | $ 194,000 | $ 160,000 |
| Lake County Florida | 1 | $ 110,000 | $ 110,000 | $ 38,000 |
| Pasco County Florida | 1 | $ 128,000 | $ 128,000 | $ 173,000 |
| Sarasota County Florida | 1 | $ 330,000 | $ 330,000 | $ 66,000 |
| Will County Illinois | 1 | $ 127,000 | $ 127,000 | $ 54,000 |
| Black Hawk County Iowa | 1 | $ 240,000 | $ 240,000 | $ 83,000 |
| Calhoun County Iowa | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Dallas County Iowa | 1 | $ 135,000 | $ 135,000 | $ 96,000 |
| Johnson County Iowa | 1 | $ 134,000 | $ 134,000 | $ 51,000 |
| Mills County Iowa | 1 | $ 127,000 | $ 127,000 | $ 51,000 |
| Page County Iowa | 1 | $ 108,000 | $ 108,000 | $ 36,000 |
| Plymouth County Iowa | 1 | $ 179,000 | $ 179,000 | $ 58,000 |
| Shelby County Iowa | 1 | $ 500,000 | $ 500,000 | $ 375,000 |
| Decatur County Kansas | 1 | $ 70,000 | $ 70,000 | $ 84,000 |
| McPherson County Kansas | 1 | $ 90,000 | $ 90,000 | $ 20,000 |
| Saline County Kansas | 1 | $ 132,000 | $ 132,000 | $ 125,000 |
| Wyandotte County Kansas | 1 | $ 122,000 | $ 122,000 | $ 39,000 |
| York County Maine | 1 | $ 476,000 | $ 476,000 | $ 276,000 |
| Hampshire County Massachusetts | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Suffolk County Massachusetts | 1 | $ 235,000 | $ 235,000 | $ 45,000 |
| Stearns County Minnesota | 1 | $ 334,000 | $ 334,000 | $ 102,000 |
| Camden County Missouri | 1 | $ 284,000 | $ 284,000 | $ 60,000 |
| Clay County Missouri | 1 | $ 98,000 | $ 98,000 | $ 125,000 |
| Antelope County Nebraska | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Box Butte County Nebraska | 1 | $ 77,000 | $ 77,000 | $ 111,000 |
| Boyd County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Burt County Nebraska | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Cedar County Nebraska | 1 | $ 84,000 | $ 84,000 | $ 43,000 |
| Cuming County Nebraska | 1 | $ 63,000 | $ 63,000 | $ 43,000 |
| Furnas County Nebraska | 1 | $ 44,000 | $ 44,000 | $ 63,000 |
| Greeley County Nebraska | 1 | $ 117,000 | $ 117,000 | $ 69,000 |
| Harlan County Nebraska | 1 | $ 120,000 | $ 120,000 | $ 256,000 |
| Holt County Nebraska | 1 | $ 68,000 | $ 68,000 | $ 75,000 |
| Kearney County Nebraska | 1 | $ 3,000 | $ 3,000 | $ 36,000 |
| Merrick County Nebraska | 1 | $ 74,000 | $ 74,000 | $ 21,000 |
| Nance County Nebraska | 1 | $ 50,000 | $ 50,000 | $ 32,000 |
| Sherman County Nebraska | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Thurston County Nebraska | 1 | $ 5,000 | $ 5,000 | $ 37,000 |
| Wayne County Nebraska | 1 | $ 74,000 | $ 74,000 | $ 46,000 |
| Webster County Nebraska | 1 | $ 30,000 | $ 30,000 | $ 43,000 |
| Sandoval County New Mexico | 1 | $ 272,000 | $ 272,000 | $ 72,000 |
| Dutchess County New York | 1 | $ 259,000 | $ 259,000 | $ 75,000 |
| Payne County Oklahoma | 1 | $ 3,000 | $ 3,000 | $ 76,000 |
| Codington County South Dakota | 1 | $ 50,000 | $ 50,000 | $ 37,000 |
| Minnehaha County South Dakota | 1 | $ 190,000 | $ 190,000 | $ 88,000 |
| Hamilton County Tennessee | 1 | $ 173,000 | $ 173,000 | $ 65,000 |
| Wilson County Tennessee | 1 | $ 151,000 | $ 151,000 | $ 82,000 |
| Aransas County Texas | 1 | $ 150,000 | $ 150,000 | $ 106,000 |
| Dallam County Texas | 1 | $ 30,000 | $ 30,000 | $ 42,000 |
| Dallas County Texas | 1 | $ 344,000 | $ 344,000 | $ 210,000 |
| Utah County Utah | 1 | $ 252,000 | $ 252,000 | $ 85,000 |
| Arlington County Virginia | 1 | $ 1,000,000 | $ 1,000,000 | $ 250,000 |
Mortgage Loan Application Detail Totals for Union Bank And Trust Company in 2004
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,410 | $166,118,000 | $246,866 | $1,000,000 | $130,933 | $1,162,000 |
| Home Purchase | 1,134 | $130,478,000 | $166,375 | $950,000 | $90,750 | $2,400,000 |
| Home Improvement | 186 | $3,099,000 | $8,800 | $201,000 | $46,800 | $425,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,591 | $285,064,000 | $226,952 | $1,000,000 | $113,238 | $2,400,000 |
| Hispanic | 52 | $4,690,000 | $117,000 | $230,000 | $62,333 | $150,000 |
| Asian | 27 | $2,990,000 | $110,000 | $219,000 | $49,000 | $120,000 |
| Black or African American | 18 | $1,847,000 | $107,500 | $230,000 | $62,500 | $150,000 |
| Not Provided | 18 | $1,408,000 | $74,000 | $171,000 | $66,500 | $109,000 |
| Not applicable | 14 | $2,821,000 | $118,000 | $840,000 | $1,666 | $95,000 |
| American Indian or Alaskan Native | 10 | $875,000 | $87,000 | $174,000 | $64,000 | $125,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,353 | $257,096,000 | $219,818 | $1,000,000 | $111,454 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 289 | $30,730,000 | $117,500 | $162,000 | $33,500 | $164,000 |
| VA-guaranteed (Veterans Administration) | 81 | $11,156,000 | $124,000 | $264,000 | $42,500 | $134,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $713,000 | $101,000 | $360,000 | $25,000 | $40,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,554 | $281,449,000 | $229,285 | $1,000,000 | $113,857 | $2,400,000 |
| Application Withdrawn By Applicant | 87 | $11,309,000 | $90,000 | $950,000 | $46,500 | $801,000 |
| Application Denied By Financial Institution | 78 | $4,746,000 | $34,000 | $312,000 | $19,000 | $105,000 |
| Application Approved But Not Accepted | 5 | $1,086,000 | $217,000 | $334,000 | $73,000 | $114,000 |
| Loan Purchased By The Institution | 3 | $861,000 | $287,000 | $648,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $171,000 | $85,000 | $101,000 | $40,000 | $49,000 |
| Preapproval Denied by Financial Institution | 1 | $73,000 | $73,000 | $73,000 | $47,000 | $47,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Bank And Trust Company's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Union Bank And Trust Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Nebraska, download the full spreadsheet
with aggregated HMDA statistics today.