Union Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Union Bank And Trust Company 2022 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 | 2,288 |
| Total Mortgage Loan Application Amount | $512,860,000 |
| Average Mortgage Loan Application Amount | $190,400 |
| Highest Mortgage Loan Application Amount | $41,925,000 |
| Average Applicant Income | $130,200 |
| Highest Applicant Income | $1,978,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 1,212 | $ 233,430,000 | $ 192,000 | $ 124,000 |
| Douglas County Nebraska | 289 | $ 66,245,000 | $ 229,000 | $ 171,000 |
| Sarpy County Nebraska | 88 | $ 18,260,000 | $ 207,000 | $ 137,000 |
| Saunders County Nebraska | 58 | $ 12,290,000 | $ 211,000 | $ 178,000 |
| Seward County Nebraska | 47 | $ 5,595,000 | $ 119,000 | $ 117,000 |
| Saline County Nebraska | 45 | $ 4,375,000 | $ 97,000 | $ 75,000 |
| Johnson County Kansas | 43 | $ 9,185,000 | $ 213,000 | $ 275,000 |
| Hall County Nebraska | 43 | $ 5,825,000 | $ 135,000 | $ 83,000 |
| Cass County Nebraska | 40 | $ 9,040,000 | $ 226,000 | $ 140,000 |
| York County Nebraska | 36 | $ 4,360,000 | $ 121,000 | $ 90,000 |
| Jefferson County Nebraska | 27 | $ 2,215,000 | $ 82,000 | $ 69,000 |
| Butler County Nebraska | 25 | $ 1,435,000 | $ 57,000 | $ 72,000 |
| Cherry County Nebraska | 25 | $ 2,355,000 | $ 94,000 | $ 91,000 |
| Jackson County Missouri | 22 | $ 16,050,000 | $ 729,000 | $ 379,000 |
| Gage County Nebraska | 22 | $ 3,950,000 | $ 179,000 | $ 116,000 |
| Otoe County Nebraska | 18 | $ 2,640,000 | $ 146,000 | $ 79,000 |
| Brown County Nebraska | 16 | $ 1,260,000 | $ 78,000 | $ 70,000 |
| Nemaha County Nebraska | 14 | $ 1,570,000 | $ 112,000 | $ 91,000 |
| Wyandotte County Kansas | 13 | $ 905,000 | $ 69,000 | $ 87,000 |
| Leavenworth County Kansas | 11 | $ 1,345,000 | $ 122,000 | $ 121,000 |
| Dodge County Nebraska | 9 | $ 12,545,000 | $ 1,393,000 | $ 108,000 |
| Clay County Nebraska | 8 | $ 910,000 | $ 113,000 | $ 133,000 |
| Hamilton County Nebraska | 8 | $ 640,000 | $ 80,000 | $ 175,000 |
| Merrick County Nebraska | 8 | $ 800,000 | $ 100,000 | $ 56,000 |
| Pottawattamie County Iowa | 7 | $ 715,000 | $ 102,000 | $ 98,000 |
| Platte County Nebraska | 7 | $ 15,535,000 | $ 2,219,000 | $ 91,000 |
| Washington County Nebraska | 6 | $ 920,000 | $ 153,000 | $ 176,000 |
| Clay County Missouri | 5 | $ 3,695,000 | $ 739,000 | $ 84,000 |
| Lincoln County Nebraska | 5 | $ 545,000 | $ 109,000 | $ 84,000 |
| Tripp County South Dakota | 5 | $ 1,305,000 | $ 261,000 | $ 455,000 |
| Maricopa County Arizona | 4 | $ 2,490,000 | $ 622,000 | $ 423,000 |
| Custer County Nebraska | 4 | $ 240,000 | $ 60,000 | $ 63,000 |
| Fillmore County Nebraska | 4 | $ 310,000 | $ 77,000 | $ 55,000 |
| Pima County Arizona | 3 | $ 705,000 | $ 235,000 | $ 104,000 |
| Adams County Nebraska | 3 | $ 325,000 | $ 108,000 | $ 81,000 |
| Boyd County Nebraska | 3 | $ 315,000 | $ 105,000 | $ 202,000 |
| Garfield County Nebraska | 3 | $ 175,000 | $ 58,000 | $ 51,000 |
| Knox County Nebraska | 3 | $ 375,000 | $ 125,000 | $ 219,000 |
| Loup County Nebraska | 3 | $ 285,000 | $ 95,000 | $ 48,000 |
| Madison County Nebraska | 3 | $ 725,000 | $ 241,000 | $ 75,000 |
| Polk County Nebraska | 3 | $ 295,000 | $ 98,000 | $ 87,000 |
| Richardson County Nebraska | 3 | $ 335,000 | $ 111,000 | $ 75,000 |
| Cumberland County North Carolina | 3 | $ 135,000 | $ 45,000 | $ 0 |
| Custer County South Dakota | 3 | $ 745,000 | $ 248,000 | $ 125,000 |
| Denver County Colorado | 2 | $ 510,000 | $ 255,000 | $ 290,000 |
| Collier County Florida | 2 | $ 3,140,000 | $ 1,570,000 | $ 385,000 |
| Cook County Illinois | 2 | $ 870,000 | $ 435,000 | $ 500,000 |
| Dallas County Iowa | 2 | $ 43,800,000 | $ 21,900,000 | $ 0 |
| Clay County Kansas | 2 | $ 280,000 | $ 140,000 | $ 150,000 |
| Douglas County Kansas | 2 | $ 1,420,000 | $ 710,000 | $ 457,000 |
| Daviess County Missouri | 2 | $ 460,000 | $ 230,000 | $ 235,000 |
| Buffalo County Nebraska | 2 | $ 260,000 | $ 130,000 | $ 79,000 |
| Colfax County Nebraska | 2 | $ 40,000 | $ 20,000 | $ 75,000 |
| Dawson County Nebraska | 2 | $ 150,000 | $ 75,000 | $ 117,000 |
| Furnas County Nebraska | 2 | $ 490,000 | $ 245,000 | $ 130,000 |
| Johnson County Nebraska | 2 | $ 250,000 | $ 125,000 | $ 42,000 |
| Kearney County Nebraska | 2 | $ 220,000 | $ 110,000 | $ 66,000 |
| Pawnee County Nebraska | 2 | $ 50,000 | $ 25,000 | $ 39,000 |
| Rock County Nebraska | 2 | $ 50,000 | $ 25,000 | $ 108,000 |
| Shelby County Alabama | 1 | $ 205,000 | $ 205,000 | $ 207,000 |
| Izard County Arkansas | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Jefferson County Colorado | 1 | $ 505,000 | $ 505,000 | $ 282,000 |
| Larimer County Colorado | 1 | $ 1,655,000 | $ 1,655,000 | $ 391,000 |
| Routt County Colorado | 1 | $ 355,000 | $ 355,000 | $ 223,000 |
| New Haven County Connecticut | 1 | $ 5,000 | $ 5,000 | $ 38,000 |
| Manatee County Florida | 1 | $ 355,000 | $ 355,000 | $ 88,000 |
| St. Joseph County Indiana | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| Marion County Iowa | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Mills County Iowa | 1 | $ 555,000 | $ 555,000 | $ 192,000 |
| Page County Iowa | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| Polk County Iowa | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| Story County Iowa | 1 | $ 25,000 | $ 25,000 | $ 134,000 |
| Pottawatomie County Kansas | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Fayette County Kentucky | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Jefferson County Kentucky | 1 | $ 645,000 | $ 645,000 | $ 332,000 |
| Muskegon County Michigan | 1 | $ 405,000 | $ 405,000 | $ 385,000 |
| Kandiyohi County Minnesota | 1 | $ 195,000 | $ 195,000 | $ 140,000 |
| Otter Tail County Minnesota | 1 | $ 315,000 | $ 315,000 | $ 214,000 |
| Atchison County Missouri | 1 | $ 125,000 | $ 125,000 | $ 139,000 |
| Benton County Missouri | 1 | $ 195,000 | $ 195,000 | $ 79,000 |
| Camden County Missouri | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
| Platte County Missouri | 1 | $ 255,000 | $ 255,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Dundy County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Franklin County Nebraska | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| Garden County Nebraska | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Gosper County Nebraska | 1 | $ 445,000 | $ 445,000 | $ 247,000 |
| Harlan County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 62,000 |
| Holt County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 79,000 |
| Howard County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
| Keith County Nebraska | 1 | $ 5,000 | $ 5,000 | $ 35,000 |
| Nance County Nebraska | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Nuckolls County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Perkins County Nebraska | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Phelps County Nebraska | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Scotts Bluff County Nebraska | 1 | $ 95,000 | $ 95,000 | $ 125,000 |
| Stanton County Nebraska | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Thayer County Nebraska | 1 | $ 45,000 | $ 45,000 | $ 100,000 |
| Valley County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
| Wayne County Nebraska | 1 | $ 275,000 | $ 275,000 | $ 86,000 |
| Nassau County New York | 1 | $ 255,000 | $ 255,000 | $ 600,000 |
| Suffolk County New York | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Lincoln County South Dakota | 1 | $ 305,000 | $ 305,000 | $ 117,000 |
| Walworth County South Dakota | 1 | $ 55,000 | $ 55,000 | $ 91,000 |
| Yankton County South Dakota | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Dallas County Texas | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Hood County Texas | 1 | $ 1,255,000 | $ 1,255,000 | $ 0 |
| Clark County Washington | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Skagit County Washington | 1 | $ 575,000 | $ 575,000 | $ 370,000 |
| Milwaukee County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Union Bank And Trust Company in 2022
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 | 1,014 | $341,220,000 | $336,000 | $41,925,000 | $128,000 | $1,019,000 |
| Home Improvement | 540 | $40,950,000 | $75,000 | $3,005,000 | $126,000 | $1,346,000 |
| Refinancing | 297 | $72,745,000 | $244,000 | $14,005,000 | $136,000 | $921,000 |
| Other Purpose | 284 | $26,820,000 | $94,000 | $1,005,000 | $154,000 | $1,978,000 |
| Cash-out Refinancing | 153 | $31,125,000 | $203,000 | $805,000 | $107,000 | $508,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 1,792 | $322,090,000 | $179,000 | $1,885,000 | $132,000 | $1,978,000 |
| Not Provided | 224 | $25,970,000 | $115,000 | $485,000 | $139,000 | $1,100,000 |
| Not applicable | 109 | $138,805,000 | $1,273,000 | $41,925,000 | $0 | $0 |
| Hispanic | 93 | $12,925,000 | $138,000 | $805,000 | $82,000 | $500,000 |
| Black or African American | 28 | $5,070,000 | $181,000 | $405,000 | $107,000 | $300,000 |
| Asian | 26 | $5,740,000 | $220,000 | $995,000 | $146,000 | $550,000 |
| American Indian or Alaskan Native | 8 | $1,020,000 | $127,000 | $415,000 | $88,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $355,000 | $118,000 | $185,000 | $52,000 | $52,000 |
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) | 2,239 | $502,365,000 | $224,000 | $41,925,000 | $132,000 | $1,978,000 |
| FHA-insured (Federal Housing Administration) | 41 | $8,595,000 | $209,000 | $405,000 | $75,000 | $143,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,900,000 | $237,000 | $415,000 | $82,000 | $147,000 |
| 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 | 1,729 | $423,905,000 | $245,000 | $41,925,000 | $135,000 | $1,978,000 |
| Application Denied By Financial Institution | 256 | $29,070,000 | $113,000 | $1,005,000 | $90,000 | $600,000 |
| Application Withdrawn By Applicant | 229 | $49,475,000 | $216,000 | $1,455,000 | $146,000 | $1,100,000 |
| Application Approved But Not Accepted | 58 | $8,720,000 | $150,000 | $1,255,000 | $150,000 | $632,000 |
| File Closed For Incompleteness | 16 | $1,690,000 | $105,000 | $575,000 | $108,000 | $203,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 | 2,032 | $483,790,000 | $238,000 | $41,925,000 | $136,000 | $1,978,000 |
| Debt-To-Income Ratio | 120 | $15,250,000 | $127,000 | $1,005,000 | $78,000 | $301,000 |
| Credit History | 77 | $6,905,000 | $89,000 | $445,000 | $98,000 | $428,000 |
| Collateral | 32 | $3,330,000 | $104,000 | $315,000 | $108,000 | $340,000 |
| Other | 12 | $1,720,000 | $143,000 | $465,000 | $124,000 | $600,000 |
| Employment History | 9 | $1,155,000 | $128,000 | $265,000 | $73,000 | $192,000 |
| Unverifiable Information | 5 | $575,000 | $115,000 | $175,000 | $81,000 | $121,000 |
| Credit Application Incomplete | 1 | $135,000 | $135,000 | $135,000 | $72,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Bank And Trust Company's 2022 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.