Union Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Union Bank And Trust Company 2007 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 | 3,174 |
| Total Mortgage Loan Application Amount | $325,549,000 |
| Average Mortgage Loan Application Amount | $82,666 |
| Highest Mortgage Loan Application Amount | $1,616,000 |
| Average Applicant Income | $68,333 |
| Highest Applicant Income | $864,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 1,666 | $ 169,611,000 | $ 101,000 | $ 74,000 |
| Douglas County Nebraska | 266 | $ 37,061,000 | $ 139,000 | $ 68,000 |
| Seward County Nebraska | 189 | $ 16,294,000 | $ 86,000 | $ 56,000 |
| Sarpy County Nebraska | 85 | $ 12,401,000 | $ 145,000 | $ 72,000 |
| Saunders County Nebraska | 80 | $ 9,315,000 | $ 116,000 | $ 69,000 |
| Wyandotte County Kansas | 63 | $ 4,951,000 | $ 78,000 | $ 76,000 |
| Cherry County Nebraska | 60 | $ 3,117,000 | $ 51,000 | $ 50,000 |
| Hall County Nebraska | 60 | $ 4,775,000 | $ 79,000 | $ 41,000 |
| Butler County Nebraska | 55 | $ 3,390,000 | $ 61,000 | $ 44,000 |
| Saline County Nebraska | 46 | $ 3,204,000 | $ 69,000 | $ 49,000 |
| Leavenworth County Kansas | 36 | $ 4,688,000 | $ 130,000 | $ 68,000 |
| Jefferson County Nebraska | 36 | $ 1,739,000 | $ 48,000 | $ 57,000 |
| Cass County Nebraska | 35 | $ 3,953,000 | $ 112,000 | $ 85,000 |
| Red Willow County Nebraska | 33 | $ 1,424,000 | $ 43,000 | $ 61,000 |
| York County Nebraska | 29 | $ 2,230,000 | $ 76,000 | $ 43,000 |
| Otoe County Nebraska | 28 | $ 3,269,000 | $ 116,000 | $ 73,000 |
| Nemaha County Nebraska | 27 | $ 1,631,000 | $ 60,000 | $ 49,000 |
| Johnson County Kansas | 20 | $ 2,824,000 | $ 141,000 | $ 88,000 |
| Gage County Nebraska | 18 | $ 1,674,000 | $ 93,000 | $ 53,000 |
| Brown County Nebraska | 13 | $ 446,000 | $ 34,000 | $ 43,000 |
| Howard County Nebraska | 13 | $ 878,000 | $ 67,000 | $ 60,000 |
| Merrick County Nebraska | 13 | $ 1,065,000 | $ 81,000 | $ 85,000 |
| Dodge County Nebraska | 11 | $ 782,000 | $ 71,000 | $ 53,000 |
| Pawnee County Nebraska | 11 | $ 141,000 | $ 12,000 | $ 42,000 |
| Lincoln County Nebraska | 9 | $ 849,000 | $ 94,000 | $ 41,000 |
| Garfield County Nebraska | 8 | $ 300,000 | $ 37,000 | $ 61,000 |
| Hamilton County Nebraska | 8 | $ 882,000 | $ 110,000 | $ 67,000 |
| Jackson County Missouri | 7 | $ 853,000 | $ 121,000 | $ 118,000 |
| Custer County Nebraska | 7 | $ 172,000 | $ 24,000 | $ 26,000 |
| Fillmore County Nebraska | 7 | $ 439,000 | $ 62,000 | $ 31,000 |
| Platte County Nebraska | 7 | $ 651,000 | $ 93,000 | $ 34,000 |
| Johnson County Nebraska | 6 | $ 489,000 | $ 81,000 | $ 33,000 |
| Washington County Nebraska | 6 | $ 1,360,000 | $ 226,000 | $ 116,000 |
| Maricopa County Arizona | 5 | $ 2,028,000 | $ 405,000 | $ 155,000 |
| Dallas County Iowa | 5 | $ 966,000 | $ 193,000 | $ 0 |
| Buffalo County Nebraska | 5 | $ 798,000 | $ 159,000 | $ 59,000 |
| Loup County Nebraska | 5 | $ 224,000 | $ 44,000 | $ 30,000 |
| Madison County Nebraska | 5 | $ 524,000 | $ 104,000 | $ 48,000 |
| Thayer County Nebraska | 5 | $ 92,000 | $ 18,000 | $ 70,000 |
| Burt County Nebraska | 4 | $ 679,000 | $ 169,000 | $ 61,000 |
| Dawson County Nebraska | 4 | $ 210,000 | $ 52,000 | $ 33,000 |
| Hitchcock County Nebraska | 4 | $ 97,000 | $ 24,000 | $ 66,000 |
| Richardson County Nebraska | 4 | $ 342,000 | $ 85,000 | $ 33,000 |
| Pottawattamie County Iowa | 3 | $ 354,000 | $ 118,000 | $ 115,000 |
| Douglas County Kansas | 3 | $ 451,000 | $ 150,000 | $ 85,000 |
| Shawnee County Kansas | 3 | $ 162,000 | $ 54,000 | $ 69,000 |
| Taney County Missouri | 3 | $ 147,000 | $ 49,000 | $ 49,000 |
| Adams County Nebraska | 3 | $ 489,000 | $ 163,000 | $ 82,000 |
| Clay County Nebraska | 3 | $ 222,000 | $ 74,000 | $ 61,000 |
| Colfax County Nebraska | 3 | $ 160,000 | $ 53,000 | $ 41,000 |
| Polk County Nebraska | 3 | $ 86,000 | $ 28,000 | $ 36,000 |
| Rock County Nebraska | 3 | $ 36,000 | $ 12,000 | $ 49,000 |
| Clark County Nevada | 3 | $ 1,014,000 | $ 338,000 | $ 182,000 |
| Arapahoe County Colorado | 2 | $ 435,000 | $ 217,000 | $ 86,000 |
| Teller County Colorado | 2 | $ 192,000 | $ 96,000 | $ 10,000 |
| Duval County Florida | 2 | $ 628,000 | $ 314,000 | $ 180,000 |
| Seminole County Florida | 2 | $ 230,000 | $ 115,000 | $ 74,000 |
| Cook County Illinois | 2 | $ 551,000 | $ 275,000 | $ 375,000 |
| Fremont County Iowa | 2 | $ 75,000 | $ 37,000 | $ 27,000 |
| Polk County Iowa | 2 | $ 165,000 | $ 82,000 | $ 72,000 |
| Woodbury County Iowa | 2 | $ 180,000 | $ 90,000 | $ 68,000 |
| Riley County Kansas | 2 | $ 108,000 | $ 54,000 | $ 80,000 |
| Holt County Missouri | 2 | $ 385,000 | $ 192,000 | $ 61,000 |
| Furnas County Nebraska | 2 | $ 55,000 | $ 27,000 | $ 21,000 |
| Mecklenburg County North Carolina | 2 | $ 457,000 | $ 228,000 | $ 253,000 |
| Tulsa County Oklahoma | 2 | $ 930,000 | $ 465,000 | $ 292,000 |
| Minnehaha County South Dakota | 2 | $ 110,000 | $ 55,000 | $ 236,000 |
| Pennington County South Dakota | 2 | $ 137,000 | $ 68,000 | $ 62,000 |
| Union County South Dakota | 2 | $ 300,000 | $ 150,000 | $ 250,000 |
| Collin County Texas | 2 | $ 253,000 | $ 126,000 | $ 117,000 |
| Cochise County Arizona | 1 | $ 350,000 | $ 350,000 | $ 140,000 |
| Mohave County Arizona | 1 | $ 100,000 | $ 100,000 | $ 48,000 |
| Adams County Colorado | 1 | $ 264,000 | $ 264,000 | $ 60,000 |
| Douglas County Colorado | 1 | $ 414,000 | $ 414,000 | $ 93,000 |
| Jefferson County Colorado | 1 | $ 417,000 | $ 417,000 | $ 101,000 |
| District of Columbia County District Of Columbia | 1 | $ 238,000 | $ 238,000 | $ 71,000 |
| Lake County Florida | 1 | $ 131,000 | $ 131,000 | $ 38,000 |
| Lee County Florida | 1 | $ 709,000 | $ 709,000 | $ 466,000 |
| Sarasota County Florida | 1 | $ 649,000 | $ 649,000 | $ 425,000 |
| Forsyth County Georgia | 1 | $ 275,000 | $ 275,000 | $ 110,000 |
| Paulding County Georgia | 1 | $ 163,000 | $ 163,000 | $ 63,000 |
| Pike County Illinois | 1 | $ 80,000 | $ 80,000 | $ 38,000 |
| Cerro Gordo County Iowa | 1 | $ 360,000 | $ 360,000 | $ 266,000 |
| Hardin County Iowa | 1 | $ 39,000 | $ 39,000 | $ 60,000 |
| Montgomery County Iowa | 1 | $ 78,000 | $ 78,000 | $ 22,000 |
| Shelby County Iowa | 1 | $ 260,000 | $ 260,000 | $ 64,000 |
| Washington County Iowa | 1 | $ 146,000 | $ 146,000 | $ 56,000 |
| Crawford County Kansas | 1 | $ 24,000 | $ 24,000 | $ 76,000 |
| Dickinson County Kansas | 1 | $ 78,000 | $ 78,000 | $ 41,000 |
| Ellis County Kansas | 1 | $ 6,000 | $ 6,000 | $ 28,000 |
| Geary County Kansas | 1 | $ 60,000 | $ 60,000 | $ 20,000 |
| Pawnee County Kansas | 1 | $ 82,000 | $ 82,000 | $ 42,000 |
| Rice County Kansas | 1 | $ 80,000 | $ 80,000 | $ 49,000 |
| Saline County Kansas | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Washington County Kansas | 1 | $ 147,000 | $ 147,000 | $ 48,000 |
| Berrien County Michigan | 1 | $ 299,000 | $ 299,000 | $ 126,000 |
| Clay County Missouri | 1 | $ 30,000 | $ 30,000 | $ 29,000 |
| Harrison County Missouri | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Stone County Missouri | 1 | $ 198,000 | $ 198,000 | $ 202,000 |
| Blaine County Nebraska | 1 | $ 3,000 | $ 3,000 | $ 39,000 |
| Boone County Nebraska | 1 | $ 79,000 | $ 79,000 | $ 57,000 |
| Box Butte County Nebraska | 1 | $ 36,000 | $ 36,000 | $ 44,000 |
| Franklin County Nebraska | 1 | $ 9,000 | $ 9,000 | $ 55,000 |
| Frontier County Nebraska | 1 | $ 27,000 | $ 27,000 | $ 46,000 |
| Greeley County Nebraska | 1 | $ 137,000 | $ 137,000 | $ 110,000 |
| Harlan County Nebraska | 1 | $ 18,000 | $ 18,000 | $ 72,000 |
| Holt County Nebraska | 1 | $ 108,000 | $ 108,000 | $ 35,000 |
| Hooker County Nebraska | 1 | $ 11,000 | $ 11,000 | $ 33,000 |
| Keya Paha County Nebraska | 1 | $ 101,000 | $ 101,000 | $ 55,000 |
| Knox County Nebraska | 1 | $ 40,000 | $ 40,000 | $ 20,000 |
| Nuckolls County Nebraska | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Phelps County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 53,000 |
| Pierce County Nebraska | 1 | $ 320,000 | $ 320,000 | $ 155,000 |
| Scotts Bluff County Nebraska | 1 | $ 90,000 | $ 90,000 | $ 21,000 |
| Sheridan County Nebraska | 1 | $ 95,000 | $ 95,000 | $ 35,000 |
| Wayne County Nebraska | 1 | $ 21,000 | $ 21,000 | $ 83,000 |
| Nye County Nevada | 1 | $ 105,000 | $ 105,000 | $ 87,000 |
| Burlington County New Jersey | 1 | $ 314,000 | $ 314,000 | $ 87,000 |
| Union County North Carolina | 1 | $ 338,000 | $ 338,000 | $ 106,000 |
| Washington County Oklahoma | 1 | $ 52,000 | $ 52,000 | $ 32,000 |
| Cumberland County Pennsylvania | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Charles Mix County South Dakota | 1 | $ 150,000 | $ 150,000 | $ 97,000 |
| Lincoln County South Dakota | 1 | $ 240,000 | $ 240,000 | $ 95,000 |
| Brazoria County Texas | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Harris County Texas | 1 | $ 170,000 | $ 170,000 | $ 72,000 |
| Montgomery County Texas | 1 | $ 220,000 | $ 220,000 | $ 55,000 |
| Nacogdoches County Texas | 1 | $ 120,000 | $ 120,000 | $ 31,000 |
| Nueces County Texas | 1 | $ 144,000 | $ 144,000 | $ 43,000 |
| Williamson County Texas | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Franklin County Vermont | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| York County Virginia | 1 | $ 5,000 | $ 5,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Union Bank And Trust Company in 2007
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 | 1,550 | $185,253,000 | $119,000 | $1,616,000 | $63,000 | $750,000 |
| Refinancing | 1,185 | $132,188,000 | $111,000 | $985,000 | $77,000 | $864,000 |
| Home Improvement | 439 | $8,108,000 | $18,000 | $217,000 | $65,000 | $320,000 |
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 | 2,830 | $289,007,000 | $102,000 | $1,616,000 | $70,000 | $864,000 |
| Hispanic | 133 | $10,769,000 | $80,000 | $360,000 | $47,000 | $168,000 |
| Not Provided | 86 | $9,704,000 | $112,000 | $483,000 | $67,000 | $247,000 |
| Not applicable | 47 | $7,040,000 | $149,000 | $450,000 | $16,000 | $160,000 |
| Black or African American | 32 | $4,094,000 | $127,000 | $648,000 | $83,000 | $352,000 |
| Asian | 29 | $3,774,000 | $130,000 | $1,000,000 | $81,000 | $617,000 |
| American Indian or Alaskan Native | 12 | $868,000 | $72,000 | $145,000 | $47,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $293,000 | $58,000 | $147,000 | $64,000 | $136,000 |
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) | 2,974 | $301,747,000 | $101,000 | $1,616,000 | $70,000 | $864,000 |
| FHA-insured (Federal Housing Administration) | 159 | $17,935,000 | $112,000 | $210,000 | $54,000 | $198,000 |
| VA-guaranteed (Veterans Administration) | 40 | $5,835,000 | $145,000 | $262,000 | $53,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $32,000 | $32,000 | $32,000 | $66,000 | $66,000 |
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 | 2,299 | $236,042,000 | $102,000 | $1,616,000 | $72,000 | $864,000 |
| Application Withdrawn By Applicant | 442 | $56,356,000 | $127,000 | $900,000 | $64,000 | $469,000 |
| Application Denied By Financial Institution | 241 | $16,094,000 | $66,000 | $600,000 | $47,000 | $200,000 |
| Application Approved But Not Accepted | 132 | $10,404,000 | $78,000 | $650,000 | $75,000 | $540,000 |
| Preapproval Denied by Financial Institution | 45 | $5,067,000 | $112,000 | $470,000 | $43,000 | $168,000 |
| File Closed For Incompleteness | 15 | $1,586,000 | $105,000 | $238,000 | $48,000 | $115,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2007 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.