Union Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Union Bank And Trust Company 2012 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 | 3,220 |
| Total Mortgage Loan Application Amount | $486,496,000 |
| Average Mortgage Loan Application Amount | $138,333 |
| Highest Mortgage Loan Application Amount | $18,000,000 |
| Average Applicant Income | $77,333 |
| Highest Applicant Income | $3,123,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 1,762 | $ 231,068,000 | $ 131,000 | $ 87,000 |
| Douglas County Nebraska | 283 | $ 58,743,000 | $ 207,000 | $ 93,000 |
| Seward County Nebraska | 139 | $ 16,468,000 | $ 118,000 | $ 69,000 |
| Sarpy County Nebraska | 108 | $ 16,512,000 | $ 152,000 | $ 100,000 |
| Saunders County Nebraska | 92 | $ 12,093,000 | $ 131,000 | $ 99,000 |
| Hall County Nebraska | 64 | $ 4,971,000 | $ 77,000 | $ 70,000 |
| Cherry County Nebraska | 61 | $ 4,420,000 | $ 72,000 | $ 67,000 |
| Jefferson County Nebraska | 55 | $ 2,802,000 | $ 50,000 | $ 67,000 |
| Saline County Nebraska | 54 | $ 4,287,000 | $ 79,000 | $ 62,000 |
| Butler County Nebraska | 41 | $ 2,334,000 | $ 56,000 | $ 54,000 |
| Cass County Nebraska | 40 | $ 5,966,000 | $ 149,000 | $ 87,000 |
| Otoe County Nebraska | 29 | $ 3,831,000 | $ 132,000 | $ 105,000 |
| York County Nebraska | 29 | $ 2,026,000 | $ 69,000 | $ 57,000 |
| Nemaha County Nebraska | 21 | $ 1,696,000 | $ 80,000 | $ 75,000 |
| Wyandotte County Kansas | 19 | $ 3,408,000 | $ 179,000 | $ 48,000 |
| Gage County Nebraska | 17 | $ 1,940,000 | $ 114,000 | $ 88,000 |
| Pottawattamie County Iowa | 11 | $ 983,000 | $ 89,000 | $ 80,000 |
| Brown County Nebraska | 10 | $ 179,000 | $ 17,000 | $ 54,000 |
| Adams County Nebraska | 9 | $ 1,219,000 | $ 135,000 | $ 73,000 |
| Hamilton County Nebraska | 9 | $ 821,000 | $ 91,000 | $ 81,000 |
| Platte County Nebraska | 9 | $ 1,312,000 | $ 145,000 | $ 62,000 |
| Loup County Nebraska | 8 | $ 239,000 | $ 29,000 | $ 31,000 |
| Madison County Nebraska | 8 | $ 438,000 | $ 54,000 | $ 59,000 |
| Johnson County Nebraska | 7 | $ 543,000 | $ 77,000 | $ 115,000 |
| Polk County Nebraska | 7 | $ 357,000 | $ 51,000 | $ 40,000 |
| Richardson County Nebraska | 7 | $ 364,000 | $ 52,000 | $ 92,000 |
| Buffalo County Nebraska | 6 | $ 659,000 | $ 109,000 | $ 120,000 |
| Custer County Nebraska | 6 | $ 203,000 | $ 33,000 | $ 17,000 |
| Howard County Nebraska | 6 | $ 427,000 | $ 71,000 | $ 65,000 |
| Pawnee County Nebraska | 6 | $ 115,000 | $ 19,000 | $ 52,000 |
| Washington County Nebraska | 6 | $ 1,151,000 | $ 191,000 | $ 92,000 |
| Leavenworth County Kansas | 5 | $ 244,000 | $ 48,000 | $ 72,000 |
| Jackson County Missouri | 5 | $ 1,800,000 | $ 360,000 | $ 0 |
| Antelope County Nebraska | 5 | $ 477,000 | $ 95,000 | $ 283,000 |
| Phelps County Nebraska | 5 | $ 4,127,000 | $ 825,000 | $ 248,000 |
| Clay County Nebraska | 4 | $ 67,000 | $ 16,000 | $ 75,000 |
| Keya Paha County Nebraska | 4 | $ 118,000 | $ 29,000 | $ 64,000 |
| Merrick County Nebraska | 4 | $ 484,000 | $ 121,000 | $ 73,000 |
| Thayer County Nebraska | 4 | $ 163,000 | $ 40,000 | $ 40,000 |
| Riverside County California | 3 | $ 574,000 | $ 191,000 | $ 0 |
| Dallas County Iowa | 3 | $ 15,234,000 | $ 5,078,000 | $ 136,000 |
| Polk County Iowa | 3 | $ 9,458,000 | $ 3,152,000 | $ 79,000 |
| Washington County Kansas | 3 | $ 176,000 | $ 58,000 | $ 53,000 |
| Camden County Missouri | 3 | $ 335,000 | $ 111,000 | $ 31,000 |
| Boone County Nebraska | 3 | $ 33,000 | $ 11,000 | $ 50,000 |
| Dodge County Nebraska | 3 | $ 644,000 | $ 214,000 | $ 113,000 |
| Fillmore County Nebraska | 3 | $ 80,000 | $ 26,000 | $ 73,000 |
| Holt County Nebraska | 3 | $ 463,000 | $ 154,000 | $ 39,000 |
| Nance County Nebraska | 3 | $ 220,000 | $ 73,000 | $ 69,000 |
| Pierce County Nebraska | 3 | $ 272,000 | $ 90,000 | $ 101,000 |
| Maricopa County Arizona | 2 | $ 12,544,000 | $ 6,272,000 | $ 96,000 |
| Douglas County Colorado | 2 | $ 396,000 | $ 198,000 | $ 123,000 |
| Buena Vista County Iowa | 2 | $ 25,000 | $ 12,000 | $ 72,000 |
| Page County Iowa | 2 | $ 24,000 | $ 12,000 | $ 52,000 |
| Johnson County Kansas | 2 | $ 1,720,000 | $ 860,000 | $ 0 |
| Cheyenne County Nebraska | 2 | $ 106,000 | $ 53,000 | $ 0 |
| Colfax County Nebraska | 2 | $ 65,000 | $ 32,000 | $ 53,000 |
| Cuming County Nebraska | 2 | $ 37,000 | $ 18,000 | $ 94,000 |
| Dixon County Nebraska | 2 | $ 318,000 | $ 159,000 | $ 77,000 |
| Greeley County Nebraska | 2 | $ 185,000 | $ 92,000 | $ 62,000 |
| Thomas County Nebraska | 2 | $ 155,000 | $ 77,000 | $ 62,000 |
| Valley County Nebraska | 2 | $ 119,000 | $ 59,000 | $ 80,000 |
| Wayne County Nebraska | 2 | $ 102,000 | $ 51,000 | $ 120,000 |
| Webster County Nebraska | 2 | $ 116,000 | $ 58,000 | $ 77,000 |
| Williams County North Dakota | 2 | $ 9,600,000 | $ 4,800,000 | $ 0 |
| Moody County South Dakota | 2 | $ 34,000 | $ 17,000 | $ 33,000 |
| Pinal County Arizona | 1 | $ 150,000 | $ 150,000 | $ 93,000 |
| Denver County Colorado | 1 | $ 235,000 | $ 235,000 | $ 68,000 |
| Routt County Colorado | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Broward County Florida | 1 | $ 110,000 | $ 110,000 | $ 145,000 |
| Duval County Florida | 1 | $ 164,000 | $ 164,000 | $ 85,000 |
| Osceola County Florida | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 208,000 | $ 208,000 | $ 114,000 |
| Rock Island County Illinois | 1 | $ 920,000 | $ 920,000 | $ 0 |
| Crawford County Iowa | 1 | $ 13,000 | $ 13,000 | $ 57,000 |
| Fremont County Iowa | 1 | $ 6,000 | $ 6,000 | $ 91,000 |
| Mills County Iowa | 1 | $ 480,000 | $ 480,000 | $ 157,000 |
| Montgomery County Iowa | 1 | $ 7,000 | $ 7,000 | $ 50,000 |
| Woodbury County Iowa | 1 | $ 101,000 | $ 101,000 | $ 45,000 |
| Douglas County Kansas | 1 | $ 132,000 | $ 132,000 | $ 206,000 |
| Finney County Kansas | 1 | $ 123,000 | $ 123,000 | $ 71,000 |
| Sedgwick County Kansas | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Shawnee County Kansas | 1 | $ 775,000 | $ 775,000 | $ 0 |
| York County Maine | 1 | $ 369,000 | $ 369,000 | $ 539,000 |
| Suffolk County Massachusetts | 1 | $ 235,000 | $ 235,000 | $ 70,000 |
| Berrien County Michigan | 1 | $ 298,000 | $ 298,000 | $ 133,000 |
| Hennepin County Minnesota | 1 | $ 280,000 | $ 280,000 | $ 135,000 |
| Washington County Minnesota | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Benton County Missouri | 1 | $ 8,000 | $ 8,000 | $ 54,000 |
| Harrison County Missouri | 1 | $ 154,000 | $ 154,000 | $ 67,000 |
| Lincoln County Missouri | 1 | $ 100,000 | $ 100,000 | $ 55,000 |
| Miller County Missouri | 1 | $ 40,000 | $ 40,000 | $ 48,000 |
| Morgan County Missouri | 1 | $ 255,000 | $ 255,000 | $ 648,000 |
| Platte County Missouri | 1 | $ 1,520,000 | $ 1,520,000 | $ 0 |
| Worth County Missouri | 1 | $ 170,000 | $ 170,000 | $ 94,000 |
| Box Butte County Nebraska | 1 | $ 101,000 | $ 101,000 | $ 64,000 |
| Cedar County Nebraska | 1 | $ 9,000 | $ 9,000 | $ 36,000 |
| Franklin County Nebraska | 1 | $ 3,000 | $ 3,000 | $ 45,000 |
| Garden County Nebraska | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Garfield County Nebraska | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Gosper County Nebraska | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Grant County Nebraska | 1 | $ 26,000 | $ 26,000 | $ 26,000 |
| Hitchcock County Nebraska | 1 | $ 18,000 | $ 18,000 | $ 40,000 |
| Kearney County Nebraska | 1 | $ 1,050,000 | $ 1,050,000 | $ 0 |
| Kimball County Nebraska | 1 | $ 80,000 | $ 80,000 | $ 64,000 |
| Lincoln County Nebraska | 1 | $ 48,000 | $ 48,000 | $ 16,000 |
| Red Willow County Nebraska | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| Rock County Nebraska | 1 | $ 115,000 | $ 115,000 | $ 25,000 |
| Sherman County Nebraska | 1 | $ 97,000 | $ 97,000 | $ 27,000 |
| Lenoir County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 61,000 |
| Tulsa County Oklahoma | 1 | $ 116,000 | $ 116,000 | $ 92,000 |
| Washington County Oregon | 1 | $ 178,000 | $ 178,000 | $ 109,000 |
| Hughes County South Dakota | 1 | $ 41,000 | $ 41,000 | $ 64,000 |
| Lincoln County South Dakota | 1 | $ 232,000 | $ 232,000 | $ 92,000 |
| Todd County South Dakota | 1 | $ 45,000 | $ 45,000 | $ 165,000 |
| Denton County Texas | 1 | $ 100,000 | $ 100,000 | $ 75,000 |
| Williamson County Texas | 1 | $ 18,000,000 | $ 18,000,000 | $ 0 |
| Kewaunee County Wisconsin | 1 | $ 246,000 | $ 246,000 | $ 207,000 |
| Sawyer County Wisconsin | 1 | $ 156,000 | $ 156,000 | $ 331,000 |
Mortgage Loan Application Detail Totals for Union Bank And Trust Company in 2012
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 | 1,726 | $261,396,000 | $151,000 | $7,734,000 | $94,000 | $3,123,000 |
| Home Purchase | 914 | $195,017,000 | $213,000 | $18,000,000 | $72,000 | $1,150,000 |
| Home Improvement | 580 | $30,083,000 | $51,000 | $9,200,000 | $66,000 | $940,000 |
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 | 2,943 | $357,377,000 | $121,000 | $640,000 | $87,000 | $3,123,000 |
| Not applicable | 103 | $111,158,000 | $1,079,000 | $18,000,000 | $0 | $0 |
| Hispanic | 74 | $6,817,000 | $92,000 | $304,000 | $53,000 | $156,000 |
| Not Provided | 68 | $7,789,000 | $114,000 | $417,000 | $65,000 | $240,000 |
| Asian | 16 | $2,383,000 | $148,000 | $380,000 | $114,000 | $421,000 |
| Black or African American | 11 | $772,000 | $70,000 | $148,000 | $70,000 | $180,000 |
| American Indian or Alaskan Native | 4 | $198,000 | $49,000 | $125,000 | $50,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $2,000 | $2,000 | $2,000 | $41,000 | $41,000 |
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) | 2,753 | $425,744,000 | $154,000 | $18,000,000 | $86,000 | $3,123,000 |
| FHA-insured (Federal Housing Administration) | 352 | $44,305,000 | $125,000 | $260,000 | $61,000 | $2,592,000 |
| VA-guaranteed (Veterans Administration) | 84 | $13,242,000 | $157,000 | $625,000 | $69,000 | $147,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $3,205,000 | $103,000 | $214,000 | $39,000 | $70,000 |
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 | 2,238 | $376,452,000 | $168,000 | $18,000,000 | $88,000 | $3,123,000 |
| Application Denied By Financial Institution | 399 | $46,939,000 | $117,000 | $14,960,000 | $62,000 | $334,000 |
| Application Withdrawn By Applicant | 256 | $35,641,000 | $139,000 | $417,000 | $105,000 | $2,592,000 |
| Application Approved But Not Accepted | 166 | $9,376,000 | $56,000 | $288,000 | $63,000 | $180,000 |
| Preapproval Denied by Financial Institution | 137 | $15,338,000 | $111,000 | $417,000 | $45,000 | $548,000 |
| File Closed For Incompleteness | 24 | $2,750,000 | $114,000 | $390,000 | $76,000 | $193,000 |
| 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 2012 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.
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with aggregated HMDA statistics today.