Union Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Union Bank And Trust Company 2016 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 | 2,282 |
| Total Mortgage Loan Application Amount | $374,633,000 |
| Average Mortgage Loan Application Amount | $145,666 |
| Highest Mortgage Loan Application Amount | $28,800,000 |
| Average Applicant Income | $81,666 |
| Highest Applicant Income | $1,554,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 1,205 | $ 179,631,000 | $ 149,000 | $ 87,000 |
| Douglas County Nebraska | 176 | $ 28,406,000 | $ 161,000 | $ 88,000 |
| Seward County Nebraska | 54 | $ 6,069,000 | $ 112,000 | $ 67,000 |
| Sarpy County Nebraska | 51 | $ 9,155,000 | $ 179,000 | $ 100,000 |
| Saline County Nebraska | 44 | $ 3,412,000 | $ 77,000 | $ 46,000 |
| Hall County Nebraska | 40 | $ 4,003,000 | $ 100,000 | $ 72,000 |
| Saunders County Nebraska | 38 | $ 5,188,000 | $ 136,000 | $ 85,000 |
| Jefferson County Nebraska | 37 | $ 2,735,000 | $ 73,000 | $ 71,000 |
| Cherry County Nebraska | 35 | $ 6,318,000 | $ 180,000 | $ 107,000 |
| Cass County Nebraska | 27 | $ 4,900,000 | $ 181,000 | $ 109,000 |
| Gage County Nebraska | 27 | $ 3,207,000 | $ 118,000 | $ 79,000 |
| York County Nebraska | 25 | $ 2,168,000 | $ 86,000 | $ 60,000 |
| Otoe County Nebraska | 21 | $ 3,040,000 | $ 144,000 | $ 108,000 |
| Nemaha County Nebraska | 17 | $ 1,334,000 | $ 78,000 | $ 67,000 |
| Buffalo County Nebraska | 15 | $ 1,301,000 | $ 86,000 | $ 53,000 |
| Butler County Nebraska | 14 | $ 1,393,000 | $ 99,000 | $ 55,000 |
| Dodge County Nebraska | 12 | $ 1,491,000 | $ 124,000 | $ 78,000 |
| Platte County Nebraska | 12 | $ 1,729,000 | $ 144,000 | $ 93,000 |
| Johnson County Kansas | 11 | $ 3,581,000 | $ 325,000 | $ 55,000 |
| Jackson County Missouri | 9 | $ 8,040,000 | $ 893,000 | $ 0 |
| Riverside County California | 8 | $ 2,958,000 | $ 369,000 | $ 0 |
| Brown County Nebraska | 8 | $ 403,000 | $ 50,000 | $ 33,000 |
| Johnson County Nebraska | 8 | $ 980,000 | $ 122,000 | $ 70,000 |
| Washington County Minnesota | 7 | $ 781,000 | $ 111,000 | $ 0 |
| Adams County Nebraska | 7 | $ 296,000 | $ 42,000 | $ 65,000 |
| Wyandotte County Kansas | 6 | $ 260,000 | $ 43,000 | $ 46,000 |
| Howard County Nebraska | 6 | $ 1,863,000 | $ 310,000 | $ 138,000 |
| Thayer County Nebraska | 6 | $ 304,000 | $ 50,000 | $ 57,000 |
| Sherman County Nebraska | 5 | $ 1,444,000 | $ 288,000 | $ 111,000 |
| Garfield County Nebraska | 4 | $ 1,467,000 | $ 366,000 | $ 104,000 |
| Maricopa County Arizona | 3 | $ 29,040,000 | $ 9,680,000 | $ 56,000 |
| Douglas County Colorado | 3 | $ 897,000 | $ 299,000 | $ 115,000 |
| Ottawa County Kansas | 3 | $ 3,062,000 | $ 1,020,000 | $ 870,000 |
| Dakota County Minnesota | 3 | $ 522,000 | $ 174,000 | $ 112,000 |
| Camden County Missouri | 3 | $ 992,000 | $ 330,000 | $ 131,000 |
| Colfax County Nebraska | 3 | $ 265,000 | $ 88,000 | $ 36,000 |
| Dawson County Nebraska | 3 | $ 131,000 | $ 43,000 | $ 32,000 |
| Holt County Nebraska | 3 | $ 574,000 | $ 191,000 | $ 70,000 |
| Knox County Nebraska | 3 | $ 272,000 | $ 90,000 | $ 45,000 |
| Merrick County Nebraska | 3 | $ 319,000 | $ 106,000 | $ 46,000 |
| Richardson County Nebraska | 3 | $ 111,000 | $ 37,000 | $ 120,000 |
| Rock County Nebraska | 3 | $ 115,000 | $ 38,000 | $ 40,000 |
| Washington County Nebraska | 3 | $ 634,000 | $ 211,000 | $ 124,000 |
| Wayne County Nebraska | 3 | $ 294,000 | $ 98,000 | $ 72,000 |
| Los Angeles County California | 2 | $ 414,000 | $ 207,000 | $ 145,000 |
| Adams County Colorado | 2 | $ 421,000 | $ 210,000 | $ 77,000 |
| Boulder County Colorado | 2 | $ 458,000 | $ 229,000 | $ 421,000 |
| Cook County Illinois | 2 | $ 709,000 | $ 354,000 | $ 220,000 |
| Dubuque County Iowa | 2 | $ 300,000 | $ 150,000 | $ 60,000 |
| Harrison County Iowa | 2 | $ 554,000 | $ 277,000 | $ 47,000 |
| Clay County Missouri | 2 | $ 453,000 | $ 226,000 | $ 29,000 |
| Platte County Missouri | 2 | $ 2,286,000 | $ 1,143,000 | $ 153,000 |
| Antelope County Nebraska | 2 | $ 255,000 | $ 127,000 | $ 47,000 |
| Custer County Nebraska | 2 | $ 80,000 | $ 40,000 | $ 44,000 |
| Hamilton County Nebraska | 2 | $ 183,000 | $ 91,000 | $ 44,000 |
| Kearney County Nebraska | 2 | $ 238,000 | $ 119,000 | $ 44,000 |
| Keith County Nebraska | 2 | $ 74,000 | $ 37,000 | $ 33,000 |
| Loup County Nebraska | 2 | $ 180,000 | $ 90,000 | $ 75,000 |
| Nance County Nebraska | 2 | $ 480,000 | $ 240,000 | $ 96,000 |
| Pawnee County Nebraska | 2 | $ 446,000 | $ 223,000 | $ 87,000 |
| Valley County Nebraska | 2 | $ 131,000 | $ 65,000 | $ 65,000 |
| Hughes County South Dakota | 2 | $ 152,000 | $ 76,000 | $ 120,000 |
| Arapahoe County Colorado | 1 | $ 800,000 | $ 800,000 | $ 164,000 |
| Denver County Colorado | 1 | $ 413,000 | $ 413,000 | $ 279,000 |
| Weld County Colorado | 1 | $ 340,000 | $ 340,000 | $ 112,000 |
| Gwinnett County Georgia | 1 | $ 90,000 | $ 90,000 | $ 85,000 |
| Houston County Georgia | 1 | $ 4,000 | $ 4,000 | $ 68,000 |
| Putnam County Georgia | 1 | $ 417,000 | $ 417,000 | $ 153,000 |
| Adams County Iowa | 1 | $ 10,000 | $ 10,000 | $ 36,000 |
| Dickinson County Iowa | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Guthrie County Iowa | 1 | $ 333,000 | $ 333,000 | $ 325,000 |
| Plymouth County Iowa | 1 | $ 20,000 | $ 20,000 | $ 67,000 |
| Polk County Iowa | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Story County Iowa | 1 | $ 5,200,000 | $ 5,200,000 | $ 0 |
| Leavenworth County Kansas | 1 | $ 5,000 | $ 5,000 | $ 576,000 |
| Marshall County Kansas | 1 | $ 180,000 | $ 180,000 | $ 73,000 |
| Saline County Kansas | 1 | $ 212,000 | $ 212,000 | $ 53,000 |
| Sedgwick County Kansas | 1 | $ 244,000 | $ 244,000 | $ 177,000 |
| Chisago County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Boone County Missouri | 1 | $ 220,000 | $ 220,000 | $ 152,000 |
| Cass County Missouri | 1 | $ 230,000 | $ 230,000 | $ 285,000 |
| Holt County Missouri | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Saline County Missouri | 1 | $ 98,000 | $ 98,000 | $ 52,000 |
| St. Charles County Missouri | 1 | $ 136,000 | $ 136,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 300,000 | $ 300,000 | $ 167,000 |
| Stone County Missouri | 1 | $ 2,505,000 | $ 2,505,000 | $ 0 |
| Blaine County Nebraska | 1 | $ 4,000 | $ 4,000 | $ 30,000 |
| Boone County Nebraska | 1 | $ 190,000 | $ 190,000 | $ 80,000 |
| Box Butte County Nebraska | 1 | $ 200,000 | $ 200,000 | $ 212,000 |
| Burt County Nebraska | 1 | $ 8,000 | $ 8,000 | $ 36,000 |
| Clay County Nebraska | 1 | $ 106,000 | $ 106,000 | $ 61,000 |
| Dakota County Nebraska | 1 | $ 10,000 | $ 10,000 | $ 86,000 |
| Furnas County Nebraska | 1 | $ 226,000 | $ 226,000 | $ 61,000 |
| Greeley County Nebraska | 1 | $ 93,000 | $ 93,000 | $ 93,000 |
| Hitchcock County Nebraska | 1 | $ 9,000 | $ 9,000 | $ 31,000 |
| Keya Paha County Nebraska | 1 | $ 10,000 | $ 10,000 | $ 55,000 |
| Kimball County Nebraska | 1 | $ 35,000 | $ 35,000 | $ 20,000 |
| Lincoln County Nebraska | 1 | $ 11,000 | $ 11,000 | $ 48,000 |
| Madison County Nebraska | 1 | $ 9,000 | $ 9,000 | $ 69,000 |
| Nuckolls County Nebraska | 1 | $ 32,000 | $ 32,000 | $ 60,000 |
| Phelps County Nebraska | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Polk County Nebraska | 1 | $ 417,000 | $ 417,000 | $ 131,000 |
| Sheridan County Nebraska | 1 | $ 174,000 | $ 174,000 | $ 61,000 |
| Stanton County Nebraska | 1 | $ 17,000 | $ 17,000 | $ 42,000 |
| Thomas County Nebraska | 1 | $ 356,000 | $ 356,000 | $ 126,000 |
| Webster County Nebraska | 1 | $ 41,000 | $ 41,000 | $ 46,000 |
| Santa Fe County New Mexico | 1 | $ 175,000 | $ 175,000 | $ 129,000 |
| Carroll County Ohio | 1 | $ 100,000 | $ 100,000 | $ 105,000 |
| Tulsa County Oklahoma | 1 | $ 300,000 | $ 300,000 | $ 500,000 |
| Brown County South Dakota | 1 | $ 111,000 | $ 111,000 | $ 80,000 |
| Gregory County South Dakota | 1 | $ 150,000 | $ 150,000 | $ 78,000 |
| Minnehaha County South Dakota | 1 | $ 153,000 | $ 153,000 | $ 80,000 |
| Union County South Dakota | 1 | $ 171,000 | $ 171,000 | $ 71,000 |
| Yankton County South Dakota | 1 | $ 145,000 | $ 145,000 | $ 38,000 |
| Knox County Tennessee | 1 | $ 5,000 | $ 5,000 | $ 128,000 |
| Denton County Texas | 1 | $ 298,000 | $ 298,000 | $ 130,000 |
| Pierce County Washington | 1 | $ 417,000 | $ 417,000 | $ 175,000 |
Mortgage Loan Application Detail Totals for Union Bank And Trust Company in 2016
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 | 1,212 | $229,931,000 | $189,000 | $28,800,000 | $79,000 | $913,000 |
| Refinancing | 624 | $117,880,000 | $188,000 | $4,827,000 | $91,000 | $1,554,000 |
| Home Improvement | 446 | $26,822,000 | $60,000 | $3,650,000 | $75,000 | $576,000 |
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 | 1,907 | $272,802,000 | $143,000 | $3,500,000 | $88,000 | $1,554,000 |
| Not Provided | 143 | $20,625,000 | $144,000 | $800,000 | $69,000 | $289,000 |
| Not applicable | 104 | $64,629,000 | $621,000 | $28,800,000 | $0 | $0 |
| Hispanic | 81 | $8,534,000 | $105,000 | $417,000 | $57,000 | $165,000 |
| Asian | 32 | $6,125,000 | $191,000 | $843,000 | $95,000 | $488,000 |
| Black or African American | 12 | $1,482,000 | $123,000 | $363,000 | $74,000 | $133,000 |
| American Indian or Alaskan Native | 3 | $436,000 | $145,000 | $250,000 | $76,000 | $155,000 |
| Native Hawaiin 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) | 1,948 | $331,751,000 | $170,000 | $28,800,000 | $87,000 | $1,554,000 |
| FHA-insured (Federal Housing Administration) | 242 | $30,045,000 | $124,000 | $265,000 | $50,000 | $230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 49 | $4,618,000 | $94,000 | $182,000 | $43,000 | $113,000 |
| VA-guaranteed (Veterans Administration) | 43 | $8,219,000 | $191,000 | $400,000 | $68,000 | $137,000 |
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 | 1,560 | $285,630,000 | $183,000 | $28,800,000 | $88,000 | $1,554,000 |
| Application Denied By Financial Institution | 230 | $21,505,000 | $93,000 | $1,142,000 | $61,000 | $392,000 |
| Preapproval Denied by Financial Institution | 214 | $25,325,000 | $118,000 | $417,000 | $46,000 | $244,000 |
| Application Withdrawn By Applicant | 156 | $23,055,000 | $147,000 | $840,000 | $87,000 | $478,000 |
| Application Approved But Not Accepted | 101 | $15,953,000 | $157,000 | $2,500,000 | $107,000 | $1,029,000 |
| File Closed For Incompleteness | 15 | $2,916,000 | $194,000 | $416,000 | $85,000 | $161,000 |
| Loan Purchased By The Institution | 6 | $249,000 | $41,000 | $61,000 | $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 2016 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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