Union Bank and Trust Company Mortgage Lending & HMDA Data, 2022
In 2022, Union Bank and Trust Company of Lincoln, NE reported 2,288 mortgage applications totaling $512.9 million, down 12% from 2021. The average application was for $224,152, and applicants reported an average income of $130,389. 76% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Lincoln, NE (1,259), Omaha-Council Bluffs, NE-IA (489) and Kansas City, MO-KS (95) (applications in parentheses).
| 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 | 2025 2024 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 | $224,152 |
| Highest Mortgage Loan Application Amount | $41,925,000 |
| Average Applicant Income | $130,389 |
| Highest Applicant Income | $1,978,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Union Bank and Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lincoln, NE | 1,259 | $ 239,025,000 | $ 189,853 | $ 123,000 |
| Omaha-Council Bluffs, NE-IA | 489 | $ 108,025,000 | $ 220,910 | $ 162,165 |
| Outside any metro area | 353 | $ 67,745,000 | $ 191,912 | $ 95,022 |
| Kansas City, MO-KS | 95 | $ 31,435,000 | $ 330,894 | $ 230,947 |
| Grand Island, NE | 52 | $ 6,640,000 | $ 127,692 | $ 78,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 2,490,000 | $ 622,500 | $ 423,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 1,015,000 | $ 338,333 | $ 287,000 |
| Des Moines-West Des Moines, IA | 3 | $ 43,895,000 | $ 14,631,666 | $ 39,000 |
| Fayetteville, NC | 3 | $ 135,000 | $ 45,000 | $ 0 |
| Tucson, AZ | 3 | $ 705,000 | $ 235,000 | $ 104,000 |
| Chicago-Naperville, IL | 2 | $ 870,000 | $ 435,000 | $ 500,000 |
| Lawrence, KS | 2 | $ 1,420,000 | $ 710,000 | $ 457,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 3,140,000 | $ 1,570,000 | $ 385,000 |
| Nassau County-Suffolk County, NY | 2 | $ 320,000 | $ 160,000 | $ 332,000 |
| Ames, IA | 1 | $ 25,000 | $ 25,000 | $ 134,000 |
| Birmingham-Hoover, AL | 1 | $ 205,000 | $ 205,000 | $ 207,000 |
| Dallas-Plano-Irving, TX | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Fort Collins, CO | 1 | $ 1,655,000 | $ 1,655,000 | $ 391,000 |
| Lexington-Fayette, KY | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 645,000 | $ 645,000 | $ 332,000 |
| Manhattan, KS | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 165,000 | $ 165,000 | $ 110,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 575,000 | $ 575,000 | $ 370,000 |
| Muskegon, MI | 1 | $ 405,000 | $ 405,000 | $ 385,000 |
| New Haven-Milford, CT | 1 | $ 5,000 | $ 5,000 | $ 38,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 355,000 | $ 355,000 | $ 88,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Sioux Falls, SD | 1 | $ 305,000 | $ 305,000 | $ 117,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| St. Louis, MO-IL | 1 | $ 175,000 | $ 175,000 | $ 0 |
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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