Union Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Union Bank And Trust Company 2005 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 | 2,748 |
| Total Mortgage Loan Application Amount | $274,798,000 |
| Average Mortgage Loan Application Amount | $148,285 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $105,071 |
| Highest Applicant Income | $1,331,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 1,617 | $ 163,065,000 | $ 100,000 | $ 50,000 |
| Douglas County Nebraska | 203 | $ 28,961,000 | $ 142,000 | $ 65,000 |
| Seward County Nebraska | 144 | $ 12,026,000 | $ 83,000 | $ 51,000 |
| Sarpy County Nebraska | 81 | $ 11,736,000 | $ 144,000 | $ 71,000 |
| Cherry County Nebraska | 72 | $ 3,610,000 | $ 50,000 | $ 38,000 |
| Saunders County Nebraska | 67 | $ 5,870,000 | $ 87,000 | $ 62,000 |
| York County Nebraska | 45 | $ 3,732,000 | $ 82,000 | $ 42,000 |
| Jefferson County Nebraska | 43 | $ 2,241,000 | $ 52,000 | $ 58,000 |
| Cass County Nebraska | 40 | $ 4,365,000 | $ 109,000 | $ 54,000 |
| Gage County Nebraska | 37 | $ 3,036,000 | $ 82,000 | $ 47,000 |
| Saline County Nebraska | 35 | $ 3,558,000 | $ 101,000 | $ 44,000 |
| Butler County Nebraska | 34 | $ 1,222,000 | $ 35,000 | $ 35,000 |
| Red Willow County Nebraska | 24 | $ 726,000 | $ 30,000 | $ 52,000 |
| Hall County Nebraska | 21 | $ 1,051,000 | $ 50,000 | $ 37,000 |
| Otoe County Nebraska | 20 | $ 1,984,000 | $ 99,000 | $ 82,000 |
| Brown County Nebraska | 19 | $ 547,000 | $ 28,000 | $ 32,000 |
| Nemaha County Nebraska | 15 | $ 1,008,000 | $ 67,000 | $ 52,000 |
| Buffalo County Nebraska | 10 | $ 1,388,000 | $ 138,000 | $ 115,000 |
| Dodge County Nebraska | 10 | $ 1,158,000 | $ 115,000 | $ 61,000 |
| Platte County Nebraska | 10 | $ 1,115,000 | $ 111,000 | $ 30,000 |
| Johnson County Nebraska | 8 | $ 543,000 | $ 67,000 | $ 45,000 |
| Denver County Colorado | 6 | $ 1,258,000 | $ 209,000 | $ 82,000 |
| Custer County Nebraska | 6 | $ 226,000 | $ 37,000 | $ 28,000 |
| Fillmore County Nebraska | 6 | $ 360,000 | $ 60,000 | $ 32,000 |
| Pawnee County Nebraska | 6 | $ 94,000 | $ 15,000 | $ 26,000 |
| Garfield County Nebraska | 5 | $ 284,000 | $ 56,000 | $ 34,000 |
| Knox County Nebraska | 5 | $ 322,000 | $ 64,000 | $ 55,000 |
| Loup County Nebraska | 5 | $ 114,000 | $ 22,000 | $ 38,000 |
| Valley County Nebraska | 5 | $ 1,737,000 | $ 347,000 | $ 7,000 |
| Maricopa County Arizona | 4 | $ 684,000 | $ 171,000 | $ 69,000 |
| Johnson County Kansas | 4 | $ 647,000 | $ 161,000 | $ 202,000 |
| Richardson County Nebraska | 4 | $ 244,000 | $ 61,000 | $ 35,000 |
| Rock County Nebraska | 4 | $ 120,000 | $ 30,000 | $ 31,000 |
| Washington County Nebraska | 4 | $ 642,000 | $ 160,000 | $ 92,000 |
| Holt County Missouri | 3 | $ 200,000 | $ 66,000 | $ 0 |
| Adams County Nebraska | 3 | $ 160,000 | $ 53,000 | $ 45,000 |
| Blaine County Nebraska | 3 | $ 103,000 | $ 34,000 | $ 13,000 |
| Cheyenne County Nebraska | 3 | $ 163,000 | $ 54,000 | $ 34,000 |
| Clay County Nebraska | 3 | $ 282,000 | $ 94,000 | $ 81,000 |
| Hitchcock County Nebraska | 3 | $ 92,000 | $ 30,000 | $ 58,000 |
| Minnehaha County South Dakota | 3 | $ 340,000 | $ 113,000 | $ 125,000 |
| Harris County Texas | 3 | $ 560,000 | $ 186,000 | $ 151,000 |
| Tarrant County Texas | 3 | $ 539,000 | $ 179,000 | $ 65,000 |
| Elbert County Colorado | 2 | $ 527,000 | $ 263,000 | $ 100,000 |
| Jefferson County Colorado | 2 | $ 377,000 | $ 188,000 | $ 102,000 |
| Linn County Iowa | 2 | $ 154,000 | $ 77,000 | $ 85,000 |
| Mills County Iowa | 2 | $ 406,000 | $ 203,000 | $ 54,000 |
| Polk County Iowa | 2 | $ 385,000 | $ 192,000 | $ 62,000 |
| Pottawattamie County Iowa | 2 | $ 305,000 | $ 152,000 | $ 68,000 |
| Shelby County Iowa | 2 | $ 197,000 | $ 98,000 | $ 142,000 |
| Anne Arundel County Maryland | 2 | $ 242,000 | $ 121,000 | $ 62,000 |
| Boone County Missouri | 2 | $ 268,000 | $ 134,000 | $ 103,000 |
| Greene County Missouri | 2 | $ 135,000 | $ 67,000 | $ 52,000 |
| Jackson County Missouri | 2 | $ 133,000 | $ 66,000 | $ 88,000 |
| Morgan County Missouri | 2 | $ 239,000 | $ 119,000 | $ 210,000 |
| Burt County Nebraska | 2 | $ 158,000 | $ 79,000 | $ 87,000 |
| Frontier County Nebraska | 2 | $ 72,000 | $ 36,000 | $ 32,000 |
| Hamilton County Nebraska | 2 | $ 172,000 | $ 86,000 | $ 59,000 |
| Keith County Nebraska | 2 | $ 109,000 | $ 54,000 | $ 40,000 |
| Nuckolls County Nebraska | 2 | $ 80,000 | $ 40,000 | $ 28,000 |
| Polk County Nebraska | 2 | $ 45,000 | $ 22,000 | $ 45,000 |
| Thayer County Nebraska | 2 | $ 85,000 | $ 42,000 | $ 53,000 |
| Clark County Nevada | 2 | $ 395,000 | $ 197,000 | $ 287,000 |
| Lincoln County Oregon | 2 | $ 1,000,000 | $ 500,000 | $ 620,000 |
| Utah County Utah | 2 | $ 156,000 | $ 78,000 | $ 69,000 |
| Niobrara County Wyoming | 2 | $ 212,000 | $ 106,000 | $ 0 |
| Orange County California | 1 | $ 110,000 | $ 110,000 | $ 97,000 |
| Riverside County California | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| Douglas County Colorado | 1 | $ 204,000 | $ 204,000 | $ 79,000 |
| Grand County Colorado | 1 | $ 150,000 | $ 150,000 | $ 50,000 |
| Larimer County Colorado | 1 | $ 30,000 | $ 30,000 | $ 37,000 |
| Mesa County Colorado | 1 | $ 67,000 | $ 67,000 | $ 86,000 |
| Teller County Colorado | 1 | $ 90,000 | $ 90,000 | $ 102,000 |
| Brevard County Florida | 1 | $ 160,000 | $ 160,000 | $ 71,000 |
| Collier County Florida | 1 | $ 189,000 | $ 189,000 | $ 110,000 |
| Lee County Florida | 1 | $ 400,000 | $ 400,000 | $ 179,000 |
| Pinellas County Florida | 1 | $ 306,000 | $ 306,000 | $ 225,000 |
| Fulton County Georgia | 1 | $ 116,000 | $ 116,000 | $ 35,000 |
| Cook County Illinois | 1 | $ 140,000 | $ 140,000 | $ 41,000 |
| Monroe County Indiana | 1 | $ 123,000 | $ 123,000 | $ 180,000 |
| Calhoun County Iowa | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Fremont County Iowa | 1 | $ 34,000 | $ 34,000 | $ 5,000 |
| Harrison County Iowa | 1 | $ 230,000 | $ 230,000 | $ 52,000 |
| Plymouth County Iowa | 1 | $ 40,000 | $ 40,000 | $ 57,000 |
| Wayne County Iowa | 1 | $ 29,000 | $ 29,000 | $ 25,000 |
| Washington County Kansas | 1 | $ 92,000 | $ 92,000 | $ 55,000 |
| Wyandotte County Kansas | 1 | $ 127,000 | $ 127,000 | $ 35,000 |
| Franklin County Massachusetts | 1 | $ 216,000 | $ 216,000 | $ 99,000 |
| Suffolk County Massachusetts | 1 | $ 235,000 | $ 235,000 | $ 45,000 |
| Stearns County Minnesota | 1 | $ 209,000 | $ 209,000 | $ 152,000 |
| Barry County Missouri | 1 | $ 83,000 | $ 83,000 | $ 48,000 |
| Buchanan County Missouri | 1 | $ 190,000 | $ 190,000 | $ 58,000 |
| Camden County Missouri | 1 | $ 16,000 | $ 16,000 | $ 100,000 |
| Clay County Missouri | 1 | $ 122,000 | $ 122,000 | $ 30,000 |
| Jasper County Missouri | 1 | $ 45,000 | $ 45,000 | $ 47,000 |
| Pettis County Missouri | 1 | $ 91,000 | $ 91,000 | $ 36,000 |
| St. Louis County Missouri | 1 | $ 95,000 | $ 95,000 | $ 100,000 |
| Antelope County Nebraska | 1 | $ 34,000 | $ 34,000 | $ 33,000 |
| Chase County Nebraska | 1 | $ 69,000 | $ 69,000 | $ 30,000 |
| Dawson County Nebraska | 1 | $ 112,000 | $ 112,000 | $ 48,000 |
| Furnas County Nebraska | 1 | $ 22,000 | $ 22,000 | $ 40,000 |
| Harlan County Nebraska | 1 | $ 122,000 | $ 122,000 | $ 256,000 |
| Howard County Nebraska | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Lincoln County Nebraska | 1 | $ 133,000 | $ 133,000 | $ 66,000 |
| Merrick County Nebraska | 1 | $ 50,000 | $ 50,000 | $ 97,000 |
| Nance County Nebraska | 1 | $ 339,000 | $ 339,000 | $ 0 |
| Phelps County Nebraska | 1 | $ 98,000 | $ 98,000 | $ 107,000 |
| Wayne County Nebraska | 1 | $ 48,000 | $ 48,000 | $ 62,000 |
| Nye County Nevada | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| Sandoval County New Mexico | 1 | $ 35,000 | $ 35,000 | $ 150,000 |
| Mecklenburg County North Carolina | 1 | $ 256,000 | $ 256,000 | $ 91,000 |
| Washington County Oregon | 1 | $ 232,000 | $ 232,000 | $ 90,000 |
| Horry County South Carolina | 1 | $ 30,000 | $ 30,000 | $ 78,000 |
| Custer County South Dakota | 1 | $ 120,000 | $ 120,000 | $ 72,000 |
| Hughes County South Dakota | 1 | $ 21,000 | $ 21,000 | $ 75,000 |
| Tripp County South Dakota | 1 | $ 20,000 | $ 20,000 | $ 51,000 |
| Union County South Dakota | 1 | $ 184,000 | $ 184,000 | $ 50,000 |
| Hamilton County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Washington County Texas | 1 | $ 100,000 | $ 100,000 | $ 58,000 |
| Albemarle County Virginia | 1 | $ 60,000 | $ 60,000 | $ 149,000 |
| Lewis County Washington | 1 | $ 237,000 | $ 237,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Union Bank And Trust Company in 2005
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,267 | $137,437,000 | $162,250 | $588,000 | $100,850 | $756,000 |
| Refinancing | 1,205 | $130,854,000 | $146,950 | $1,100,000 | $114,000 | $1,331,000 |
| Home Improvement | 276 | $6,507,000 | $22,000 | $2,000,000 | $58,000 | $703,000 |
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 | 2,580 | $256,287,000 | $159,541 | $1,100,000 | $105,000 | $1,331,000 |
| Hispanic | 54 | $3,814,000 | $66,333 | $285,000 | $38,666 | $120,000 |
| Not Provided | 37 | $4,531,000 | $113,200 | $360,000 | $99,000 | $287,000 |
| Asian | 33 | $4,207,000 | $99,500 | $588,000 | $48,500 | $474,000 |
| Black or African American | 22 | $2,014,000 | $91,000 | $225,000 | $54,000 | $134,000 |
| Not applicable | 12 | $3,104,000 | $258,000 | $2,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 8 | $573,000 | $71,000 | $118,000 | $28,000 | $44,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $268,000 | $134,000 | $147,000 | $64,000 | $77,000 |
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) | 2,403 | $236,149,000 | $147,153 | $2,000,000 | $97,384 | $1,331,000 |
| FHA-insured (Federal Housing Administration) | 265 | $27,691,000 | $113,500 | $172,000 | $112,500 | $192,000 |
| VA-guaranteed (Veterans Administration) | 78 | $10,826,000 | $133,666 | $310,000 | $47,000 | $208,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $132,000 | $66,000 | $82,000 | $28,000 | $42,000 |
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 | 2,442 | $247,372,000 | $155,826 | $2,000,000 | $102,043 | $1,331,000 |
| Application Withdrawn By Applicant | 204 | $22,682,000 | $159,333 | $360,000 | $89,111 | $180,000 |
| Application Denied By Financial Institution | 100 | $4,486,000 | $44,166 | $162,000 | $29,500 | $170,000 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $50,000 | $50,000 |
| Loan Purchased By The Institution | 1 | $153,000 | $153,000 | $153,000 | $67,000 | $67,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 2005 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.