Union Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Union Bank And Trust Company 2018 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 | 1,574 |
| Total Mortgage Loan Application Amount | $354,510,000 |
| Average Mortgage Loan Application Amount | $123,666 |
| Highest Mortgage Loan Application Amount | $31,505,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $900,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 911 | $ 172,885,000 | $ 189,000 | $ 95,000 |
| Douglas County Nebraska | 148 | $ 64,860,000 | $ 438,000 | $ 135,000 |
| Saline County Nebraska | 50 | $ 4,880,000 | $ 97,000 | $ 59,000 |
| Sarpy County Nebraska | 48 | $ 9,450,000 | $ 196,000 | $ 91,000 |
| Hall County Nebraska | 39 | $ 4,125,000 | $ 105,000 | $ 59,000 |
| Seward County Nebraska | 30 | $ 3,690,000 | $ 123,000 | $ 80,000 |
| York County Nebraska | 30 | $ 2,940,000 | $ 98,000 | $ 52,000 |
| Saunders County Nebraska | 29 | $ 5,205,000 | $ 179,000 | $ 113,000 |
| Cherry County Nebraska | 27 | $ 3,295,000 | $ 122,000 | $ 70,000 |
| Jefferson County Nebraska | 25 | $ 2,135,000 | $ 85,000 | $ 61,000 |
| Butler County Nebraska | 24 | $ 1,620,000 | $ 67,000 | $ 66,000 |
| Jackson County Missouri | 17 | $ 3,225,000 | $ 189,000 | $ 173,000 |
| Cass County Nebraska | 11 | $ 1,805,000 | $ 164,000 | $ 98,000 |
| Brown County Nebraska | 10 | $ 520,000 | $ 52,000 | $ 49,000 |
| Otoe County Nebraska | 10 | $ 1,710,000 | $ 171,000 | $ 95,000 |
| Nemaha County Nebraska | 8 | $ 500,000 | $ 62,000 | $ 43,000 |
| Gage County Nebraska | 7 | $ 705,000 | $ 100,000 | $ 72,000 |
| Pottawattamie County Iowa | 6 | $ 710,000 | $ 118,000 | $ 129,000 |
| Wyandotte County Kansas | 6 | $ 850,000 | $ 141,000 | $ 121,000 |
| Johnson County Kansas | 5 | $ 925,000 | $ 185,000 | $ 66,000 |
| Adams County Nebraska | 5 | $ 305,000 | $ 61,000 | $ 44,000 |
| Hamilton County Nebraska | 5 | $ 305,000 | $ 61,000 | $ 68,000 |
| Washington County Nebraska | 5 | $ 1,035,000 | $ 207,000 | $ 105,000 |
| Clay County Nebraska | 4 | $ 350,000 | $ 87,000 | $ 53,000 |
| Johnson County Nebraska | 4 | $ 180,000 | $ 45,000 | $ 75,000 |
| Platte County Nebraska | 4 | $ 530,000 | $ 132,000 | $ 122,000 |
| Dickinson County Iowa | 3 | $ 675,000 | $ 225,000 | $ 95,000 |
| Cass County Missouri | 3 | $ 4,805,000 | $ 1,601,000 | $ 43,000 |
| Platte County Missouri | 3 | $ 435,000 | $ 145,000 | $ 45,000 |
| Cheyenne County Nebraska | 3 | $ 455,000 | $ 151,000 | $ 90,000 |
| Colfax County Nebraska | 3 | $ 85,000 | $ 28,000 | $ 124,000 |
| Custer County Nebraska | 3 | $ 455,000 | $ 151,000 | $ 63,000 |
| Dixon County Nebraska | 3 | $ 185,000 | $ 61,000 | $ 91,000 |
| Howard County Nebraska | 3 | $ 135,000 | $ 45,000 | $ 32,000 |
| Kearney County Nebraska | 3 | $ 605,000 | $ 201,000 | $ 53,000 |
| Thayer County Nebraska | 3 | $ 175,000 | $ 58,000 | $ 73,000 |
| Larimer County Colorado | 2 | $ 500,000 | $ 250,000 | $ 100,000 |
| Leavenworth County Kansas | 2 | $ 470,000 | $ 235,000 | $ 49,000 |
| Dawson County Nebraska | 2 | $ 40,000 | $ 20,000 | $ 47,000 |
| Frontier County Nebraska | 2 | $ 70,000 | $ 35,000 | $ 9,000 |
| Greeley County Nebraska | 2 | $ 80,000 | $ 40,000 | $ 60,000 |
| Holt County Nebraska | 2 | $ 100,000 | $ 50,000 | $ 44,000 |
| Keith County Nebraska | 2 | $ 290,000 | $ 145,000 | $ 105,000 |
| Lincoln County Nebraska | 2 | $ 60,000 | $ 30,000 | $ 62,000 |
| Loup County Nebraska | 2 | $ 430,000 | $ 215,000 | $ 106,000 |
| Madison County Nebraska | 2 | $ 14,080,000 | $ 7,040,000 | $ 22,000 |
| Merrick County Nebraska | 2 | $ 100,000 | $ 50,000 | $ 87,000 |
| Polk County Nebraska | 2 | $ 260,000 | $ 130,000 | $ 60,000 |
| Richardson County Nebraska | 2 | $ 120,000 | $ 60,000 | $ 35,000 |
| Valley County Nebraska | 2 | $ 440,000 | $ 220,000 | $ 43,000 |
| Washington County Utah | 2 | $ 690,000 | $ 345,000 | $ 215,000 |
| Jefferson County Washington | 2 | $ 600,000 | $ 300,000 | $ 159,000 |
| Benton County Arkansas | 1 | $ 355,000 | $ 355,000 | $ 121,000 |
| Riverside County California | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Boulder County Colorado | 1 | $ 155,000 | $ 155,000 | $ 144,000 |
| Denver County Colorado | 1 | $ 405,000 | $ 405,000 | $ 238,000 |
| Eagle County Colorado | 1 | $ 95,000 | $ 95,000 | $ 888,000 |
| Grand County Colorado | 1 | $ 445,000 | $ 445,000 | $ 333,000 |
| Jefferson County Colorado | 1 | $ 425,000 | $ 425,000 | $ 141,000 |
| Osceola County Florida | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Madison County Illinois | 1 | $ 16,325,000 | $ 16,325,000 | $ 0 |
| Calhoun County Iowa | 1 | $ 45,000 | $ 45,000 | $ 40,000 |
| Dallas County Iowa | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Lyon County Iowa | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Polk County Iowa | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Ringgold County Iowa | 1 | $ 245,000 | $ 245,000 | $ 105,000 |
| Story County Iowa | 1 | $ 2,115,000 | $ 2,115,000 | $ 0 |
| Douglas County Kansas | 1 | $ 325,000 | $ 325,000 | $ 241,000 |
| Finney County Kansas | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Jewell County Kansas | 1 | $ 225,000 | $ 225,000 | $ 31,000 |
| Linn County Kansas | 1 | $ 45,000 | $ 45,000 | $ 14,000 |
| Mitchell County Kansas | 1 | $ 45,000 | $ 45,000 | $ 66,000 |
| Pottawatomie County Kansas | 1 | $ 115,000 | $ 115,000 | $ 30,000 |
| Oakland County Michigan | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Carver County Minnesota | 1 | $ 12,645,000 | $ 12,645,000 | $ 0 |
| Clay County Missouri | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Johnson County Missouri | 1 | $ 1,465,000 | $ 1,465,000 | $ 0 |
| Taney County Missouri | 1 | $ 55,000 | $ 55,000 | $ 71,000 |
| Blaine County Nebraska | 1 | $ 25,000 | $ 25,000 | $ 20,000 |
| Buffalo County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Dodge County Nebraska | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Fillmore County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Hooker County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| Knox County Nebraska | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Nance County Nebraska | 1 | $ 125,000 | $ 125,000 | $ 77,000 |
| Nuckolls County Nebraska | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
| Phelps County Nebraska | 1 | $ 5,000 | $ 5,000 | $ 91,000 |
| Sherman County Nebraska | 1 | $ 5,000 | $ 5,000 | $ 66,000 |
| Niagara County New York | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Rockland County New York | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Stutsman County North Dakota | 1 | $ 155,000 | $ 155,000 | $ 92,000 |
| Kershaw County South Carolina | 1 | $ 185,000 | $ 185,000 | $ 77,000 |
| Lincoln County South Dakota | 1 | $ 155,000 | $ 155,000 | $ 115,000 |
| King County Washington | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Spokane County Washington | 1 | $ 165,000 | $ 165,000 | $ 81,000 |
| Sublette County Wyoming | 1 | $ 195,000 | $ 195,000 | $ 107,000 |
Mortgage Loan Application Detail Totals for Union Bank And Trust Company in 2018
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 | 1,033 | $289,765,000 | $280,000 | $31,505,000 | $93,000 | $900,000 |
| Cash-out Refinancing | 178 | $29,970,000 | $168,000 | $495,000 | $87,000 | $395,000 |
| Refinancing | 171 | $24,045,000 | $140,000 | $1,385,000 | $111,000 | $888,000 |
| Other Purpose | 96 | $6,310,000 | $65,000 | $405,000 | $88,000 | $339,000 |
| Home Improvement | 82 | $3,810,000 | $46,000 | $305,000 | $83,000 | $502,000 |
| Not Applicable | 14 | $610,000 | $43,000 | $65,000 | $0 | $0 |
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 | 1,279 | $202,735,000 | $158,000 | $1,385,000 | $93,000 | $888,000 |
| Not Provided | 106 | $18,010,000 | $169,000 | $525,000 | $107,000 | $900,000 |
| Not applicable | 91 | $122,735,000 | $1,348,000 | $31,505,000 | $0 | $0 |
| Hispanic | 58 | $5,590,000 | $96,000 | $365,000 | $54,000 | $132,000 |
| Asian | 18 | $2,320,000 | $128,000 | $275,000 | $136,000 | $691,000 |
| Black or African American | 12 | $1,440,000 | $120,000 | $195,000 | $58,000 | $107,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,100,000 | $183,000 | $455,000 | $270,000 | $390,000 |
| American Indian or Alaskan Native | 4 | $580,000 | $145,000 | $195,000 | $67,000 | $83,000 |
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) | 1,431 | $330,785,000 | $231,000 | $31,505,000 | $96,000 | $900,000 |
| FHA-insured (Federal Housing Administration) | 100 | $14,540,000 | $145,000 | $275,000 | $60,000 | $140,000 |
| VA-guaranteed (Veterans Administration) | 34 | $8,310,000 | $244,000 | $435,000 | $96,000 | $226,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $875,000 | $97,000 | $135,000 | $41,000 | $60,000 |
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 | 1,157 | $292,415,000 | $252,000 | $31,505,000 | $95,000 | $888,000 |
| Application Withdrawn By Applicant | 189 | $34,025,000 | $180,000 | $1,375,000 | $99,000 | $450,000 |
| Application Denied By Financial Institution | 168 | $20,250,000 | $120,000 | $1,385,000 | $71,000 | $900,000 |
| File Closed For Incompleteness | 27 | $4,245,000 | $157,000 | $375,000 | $88,000 | $194,000 |
| Application Approved But Not Accepted | 19 | $2,965,000 | $156,000 | $665,000 | $129,000 | $502,000 |
| Loan Purchased By The Institution | 14 | $610,000 | $43,000 | $65,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,406 | $334,260,000 | $237,000 | $31,505,000 | $96,000 | $888,000 |
| Credit History | 79 | $7,145,000 | $90,000 | $285,000 | $57,000 | $113,000 |
| Debt-To-Income Ratio | 59 | $9,045,000 | $153,000 | $1,385,000 | $63,000 | $314,000 |
| Collateral | 15 | $1,525,000 | $101,000 | $265,000 | $143,000 | $900,000 |
| Other | 9 | $1,745,000 | $193,000 | $405,000 | $111,000 | $250,000 |
| Unverifiable Information | 3 | $465,000 | $155,000 | $255,000 | $84,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $325,000 | $108,000 | $255,000 | $71,000 | $105,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Bank And Trust Company's 2018 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.