Union Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Union Bank And Trust Company 2020 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 | 3,445 |
| Total Mortgage Loan Application Amount | $778,795,000 |
| Average Mortgage Loan Application Amount | $157,166 |
| Highest Mortgage Loan Application Amount | $23,915,000 |
| Average Applicant Income | $101,666 |
| Highest Applicant Income | $2,338,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 2,046 | $ 427,050,000 | $ 208,000 | $ 111,000 |
| Douglas County Nebraska | 402 | $ 110,610,000 | $ 275,000 | $ 142,000 |
| Sarpy County Nebraska | 136 | $ 30,900,000 | $ 227,000 | $ 121,000 |
| Saunders County Nebraska | 91 | $ 24,415,000 | $ 268,000 | $ 195,000 |
| Seward County Nebraska | 69 | $ 13,665,000 | $ 198,000 | $ 95,000 |
| Hall County Nebraska | 65 | $ 9,585,000 | $ 147,000 | $ 71,000 |
| Saline County Nebraska | 61 | $ 8,115,000 | $ 133,000 | $ 76,000 |
| Cass County Nebraska | 50 | $ 12,680,000 | $ 253,000 | $ 153,000 |
| Johnson County Kansas | 34 | $ 9,830,000 | $ 289,000 | $ 161,000 |
| Cherry County Nebraska | 34 | $ 4,100,000 | $ 120,000 | $ 75,000 |
| Jefferson County Nebraska | 31 | $ 2,905,000 | $ 93,000 | $ 63,000 |
| Jackson County Missouri | 28 | $ 13,530,000 | $ 483,000 | $ 149,000 |
| York County Nebraska | 27 | $ 4,065,000 | $ 150,000 | $ 80,000 |
| Gage County Nebraska | 26 | $ 4,760,000 | $ 183,000 | $ 96,000 |
| Butler County Nebraska | 20 | $ 2,330,000 | $ 116,000 | $ 64,000 |
| Dodge County Nebraska | 18 | $ 3,170,000 | $ 176,000 | $ 96,000 |
| Otoe County Nebraska | 17 | $ 3,305,000 | $ 194,000 | $ 96,000 |
| Clay County Nebraska | 14 | $ 1,830,000 | $ 130,000 | $ 94,000 |
| Nemaha County Nebraska | 14 | $ 1,610,000 | $ 115,000 | $ 75,000 |
| Hamilton County Nebraska | 11 | $ 1,725,000 | $ 156,000 | $ 69,000 |
| Leavenworth County Kansas | 10 | $ 2,600,000 | $ 260,000 | $ 160,000 |
| Merrick County Nebraska | 10 | $ 1,040,000 | $ 104,000 | $ 51,000 |
| Pottawattamie County Iowa | 9 | $ 4,135,000 | $ 459,000 | $ 81,000 |
| Wyandotte County Kansas | 9 | $ 1,265,000 | $ 140,000 | $ 78,000 |
| Adams County Nebraska | 9 | $ 985,000 | $ 109,000 | $ 90,000 |
| Brown County Nebraska | 9 | $ 1,405,000 | $ 156,000 | $ 85,000 |
| Buffalo County Nebraska | 9 | $ 1,235,000 | $ 137,000 | $ 95,000 |
| Custer County Nebraska | 8 | $ 510,000 | $ 63,000 | $ 126,000 |
| Maricopa County Arizona | 7 | $ 3,975,000 | $ 567,000 | $ 284,000 |
| Lincoln County Nebraska | 7 | $ 315,000 | $ 45,000 | $ 71,000 |
| Polk County Nebraska | 7 | $ 1,385,000 | $ 197,000 | $ 145,000 |
| Polk County Iowa | 5 | $ 925,000 | $ 185,000 | $ 131,000 |
| Madison County Nebraska | 5 | $ 585,000 | $ 117,000 | $ 85,000 |
| Washington County Nebraska | 5 | $ 1,325,000 | $ 265,000 | $ 146,000 |
| Larimer County Colorado | 4 | $ 910,000 | $ 227,000 | $ 118,000 |
| Clay County Missouri | 4 | $ 1,150,000 | $ 287,000 | $ 124,000 |
| Dawson County Nebraska | 4 | $ 2,400,000 | $ 600,000 | $ 100,000 |
| Fillmore County Nebraska | 4 | $ 720,000 | $ 180,000 | $ 104,000 |
| Johnson County Nebraska | 4 | $ 950,000 | $ 237,000 | $ 102,000 |
| Platte County Nebraska | 4 | $ 910,000 | $ 227,000 | $ 113,000 |
| Richardson County Nebraska | 4 | $ 380,000 | $ 95,000 | $ 52,000 |
| Denver County Colorado | 3 | $ 1,705,000 | $ 568,000 | $ 287,000 |
| Grand County Colorado | 3 | $ 825,000 | $ 275,000 | $ 230,000 |
| Lake County Illinois | 3 | $ 1,455,000 | $ 485,000 | $ 202,000 |
| Dickinson County Iowa | 3 | $ 785,000 | $ 261,000 | $ 94,000 |
| Garfield County Nebraska | 3 | $ 125,000 | $ 41,000 | $ 24,000 |
| Holt County Nebraska | 3 | $ 675,000 | $ 225,000 | $ 169,000 |
| Howard County Nebraska | 3 | $ 445,000 | $ 148,000 | $ 45,000 |
| Kearney County Nebraska | 3 | $ 495,000 | $ 165,000 | $ 74,000 |
| Loup County Nebraska | 3 | $ 445,000 | $ 148,000 | $ 108,000 |
| Boulder County Colorado | 2 | $ 780,000 | $ 390,000 | $ 392,000 |
| El Paso County Colorado | 2 | $ 660,000 | $ 330,000 | $ 152,000 |
| Dallas County Iowa | 2 | $ 380,000 | $ 190,000 | $ 110,000 |
| Warren County Iowa | 2 | $ 390,000 | $ 195,000 | $ 195,000 |
| Douglas County Kansas | 2 | $ 230,000 | $ 115,000 | $ 96,000 |
| Hennepin County Minnesota | 2 | $ 24,170,000 | $ 12,085,000 | $ 67,000 |
| Boone County Missouri | 2 | $ 580,000 | $ 290,000 | $ 107,000 |
| Camden County Missouri | 2 | $ 620,000 | $ 310,000 | $ 414,000 |
| Platte County Missouri | 2 | $ 290,000 | $ 145,000 | $ 46,000 |
| Box Butte County Nebraska | 2 | $ 30,000 | $ 15,000 | $ 74,000 |
| Morrill County Nebraska | 2 | $ 90,000 | $ 45,000 | $ 44,000 |
| Pawnee County Nebraska | 2 | $ 210,000 | $ 105,000 | $ 70,000 |
| Webster County Nebraska | 2 | $ 290,000 | $ 145,000 | $ 78,000 |
| Orange County Texas | 2 | $ 1,620,000 | $ 810,000 | $ 0 |
| King County Washington | 2 | $ 590,000 | $ 295,000 | $ 0 |
| Pinal County Arizona | 1 | $ 515,000 | $ 515,000 | $ 334,000 |
| Broomfield County Colorado | 1 | $ 345,000 | $ 345,000 | $ 154,000 |
| Jefferson County Colorado | 1 | $ 385,000 | $ 385,000 | $ 80,000 |
| Weld County Colorado | 1 | $ 315,000 | $ 315,000 | $ 84,000 |
| Duval County Florida | 1 | $ 405,000 | $ 405,000 | $ 219,000 |
| Lee County Florida | 1 | $ 195,000 | $ 195,000 | $ 53,000 |
| Cook County Illinois | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Appanoose County Iowa | 1 | $ 435,000 | $ 435,000 | $ 211,000 |
| Cass County Iowa | 1 | $ 105,000 | $ 105,000 | $ 80,000 |
| Humboldt County Iowa | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Mills County Iowa | 1 | $ 495,000 | $ 495,000 | $ 341,000 |
| Woodbury County Iowa | 1 | $ 25,000 | $ 25,000 | $ 105,000 |
| Marshall County Kansas | 1 | $ 365,000 | $ 365,000 | $ 114,000 |
| McPherson County Kansas | 1 | $ 175,000 | $ 175,000 | $ 120,000 |
| Riley County Kansas | 1 | $ 435,000 | $ 435,000 | $ 240,000 |
| Saline County Kansas | 1 | $ 195,000 | $ 195,000 | $ 141,000 |
| Essex County Massachusetts | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Scott County Minnesota | 1 | $ 6,885,000 | $ 6,885,000 | $ 0 |
| Carroll County Missouri | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Cass County Missouri | 1 | $ 215,000 | $ 215,000 | $ 225,000 |
| Miller County Missouri | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| St. Louis County Missouri | 1 | $ 315,000 | $ 315,000 | $ 142,000 |
| Stone County Missouri | 1 | $ 265,000 | $ 265,000 | $ 289,000 |
| Taney County Missouri | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Gallatin County Montana | 1 | $ 405,000 | $ 405,000 | $ 293,000 |
| Antelope County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Cedar County Nebraska | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Colfax County Nebraska | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Cuming County Nebraska | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Deuel County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 75,000 |
| Franklin County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| Garden County Nebraska | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Grant County Nebraska | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Greeley County Nebraska | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Keith County Nebraska | 1 | $ 225,000 | $ 225,000 | $ 82,000 |
| Knox County Nebraska | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Nance County Nebraska | 1 | $ 205,000 | $ 205,000 | $ 139,000 |
| Phelps County Nebraska | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Red Willow County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 45,000 |
| Sherman County Nebraska | 1 | $ 205,000 | $ 205,000 | $ 87,000 |
| Thayer County Nebraska | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Valley County Nebraska | 1 | $ 5,000 | $ 5,000 | $ 46,000 |
| Wayne County Nebraska | 1 | $ 195,000 | $ 195,000 | $ 131,000 |
| Wheeler County Nebraska | 1 | $ 305,000 | $ 305,000 | $ 95,000 |
| Henderson County North Carolina | 1 | $ 615,000 | $ 615,000 | $ 115,000 |
| Shelby County Ohio | 1 | $ 175,000 | $ 175,000 | $ 82,000 |
| Aiken County South Carolina | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Custer County South Dakota | 1 | $ 235,000 | $ 235,000 | $ 65,000 |
| Fall River County South Dakota | 1 | $ 325,000 | $ 325,000 | $ 404,000 |
| Jerauld County South Dakota | 1 | $ 85,000 | $ 85,000 | $ 117,000 |
| Miner County South Dakota | 1 | $ 135,000 | $ 135,000 | $ 242,000 |
| Union County South Dakota | 1 | $ 275,000 | $ 275,000 | $ 241,000 |
| Galveston County Texas | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Stephens County Texas | 1 | $ 875,000 | $ 875,000 | $ 0 |
| Washington County Utah | 1 | $ 355,000 | $ 355,000 | $ 87,000 |
| Bedford County Virginia | 1 | $ 165,000 | $ 165,000 | $ 36,000 |
| Charles City County Virginia | 1 | $ 145,000 | $ 145,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for Union Bank And Trust Company in 2020
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 | 1,577 | $359,415,000 | $227,000 | $16,405,000 | $122,000 | $2,338,000 |
| Home Purchase | 1,103 | $278,165,000 | $252,000 | $23,915,000 | $102,000 | $1,737,000 |
| Cash-out Refinancing | 634 | $129,590,000 | $204,000 | $545,000 | $116,000 | $766,000 |
| Home Improvement | 76 | $7,090,000 | $93,000 | $2,005,000 | $103,000 | $948,000 |
| Other Purpose | 49 | $4,025,000 | $82,000 | $485,000 | $167,000 | $2,335,000 |
| Not Applicable | 6 | $510,000 | $85,000 | $85,000 | $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 | 3,001 | $603,445,000 | $201,000 | $1,005,000 | $115,000 | $2,338,000 |
| Not applicable | 136 | $116,990,000 | $860,000 | $23,915,000 | $0 | $0 |
| Not Provided | 126 | $25,360,000 | $201,000 | $515,000 | $113,000 | $700,000 |
| Hispanic | 97 | $17,465,000 | $180,000 | $815,000 | $87,000 | $375,000 |
| Asian | 36 | $6,650,000 | $184,000 | $395,000 | $111,000 | $983,000 |
| Black or African American | 22 | $3,110,000 | $141,000 | $345,000 | $109,000 | $393,000 |
| American Indian or Alaskan Native | 12 | $2,750,000 | $229,000 | $345,000 | $106,000 | $172,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $255,000 | $85,000 | $115,000 | $52,000 | $68,000 |
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) | 3,393 | $769,155,000 | $226,000 | $23,915,000 | $116,000 | $2,338,000 |
| FHA-insured (Federal Housing Administration) | 34 | $5,320,000 | $156,000 | $295,000 | $56,000 | $137,000 |
| VA-guaranteed (Veterans Administration) | 18 | $4,320,000 | $240,000 | $415,000 | $86,000 | $226,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,742 | $652,290,000 | $237,000 | $23,915,000 | $118,000 | $2,338,000 |
| Application Withdrawn By Applicant | 369 | $68,565,000 | $185,000 | $665,000 | $115,000 | $908,000 |
| Application Denied By Financial Institution | 217 | $35,495,000 | $163,000 | $1,005,000 | $74,000 | $410,000 |
| Application Approved But Not Accepted | 78 | $15,880,000 | $203,000 | $1,575,000 | $101,000 | $620,000 |
| File Closed For Incompleteness | 33 | $6,055,000 | $183,000 | $515,000 | $117,000 | $529,000 |
| Loan Purchased By The Institution | 6 | $510,000 | $85,000 | $85,000 | $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 | 3,228 | $743,300,000 | $230,000 | $23,915,000 | $118,000 | $2,338,000 |
| Debt-To-Income Ratio | 95 | $17,825,000 | $187,000 | $805,000 | $53,000 | $199,000 |
| Credit History | 72 | $9,020,000 | $125,000 | $405,000 | $83,000 | $410,000 |
| Collateral | 17 | $2,755,000 | $162,000 | $425,000 | $125,000 | $365,000 |
| Other | 15 | $2,695,000 | $179,000 | $615,000 | $76,000 | $205,000 |
| Unverifiable Information | 10 | $2,130,000 | $213,000 | $1,005,000 | $91,000 | $345,000 |
| Employment History | 5 | $705,000 | $141,000 | $405,000 | $63,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $365,000 | $121,000 | $245,000 | $145,000 | $251,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Bank And Trust Company's 2020 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.