Lender in Nebraska · HMDA 2025
Union Bank and Trust Company mortgages in Nebraska
Union Bank and Trust Company's 2025 home-purchase and refinance lending in Nebraska, compared with all lenders in the state.
Union Bank and Trust Company originated 622 owner-occupied single-family loans in Nebraska from 675 completed applications, making it the state's #9 lender by volume.
Its median conventional purchase loan costs were $2,830 versus $3,100 for all Nebraska lenders, at a median 30-year fixed rate of 6.50% (Nebraska: 6.624%).
Loans in NE
622
of 675 applications
Denial rate
4.9%
Purchase · NE 5.9%
Rate spread
+0.02 pts
Conv. · NE +0.13 pts
Loan amount
$285,000
Purchase · NE $255,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 571 | 539 | 4.9% | 6.500% | +0.02 pts | $2,830 | $285,000 |
| Refinance | 47 | 41 | 10.6% | 6.125% | +0.08 pts | $2,460 | $255,000 |
| Cash-out refinance | 57 | 42 | 24.6% | 6.500% | +0.02 pts | $2,680 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Nebraska counties where Union Bank and Trust Company ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Saline County | 1 | 19 | 10.8% |
| Lancaster County | 2 | 384 | 8.0% |
| Jefferson County | 4 | 8 | 7.6% |
| Cherry County | 4 | 3 | 6.5% |
| Garfield County | 4 | 2 | 11.1% |
| Saunders County | 5 | 15 | 4.0% |
| Butler County | 5 | 7 | 7.8% |
| Thayer County | 5 | 3 | 6.7% |
| Nemaha County | 6 | 3 | 4.5% |
| Seward County | 8 | 9 | 3.8% |
| Otoe County | 8 | 7 | 2.9% |
| Polk County | 9 | 2 | 3.1% |
| Colfax County | 10 | 2 | 2.5% |
| Brown County | 10 | 1 | 7.7% |
| York County | 11 | 4 | 2.5% |
| Gage County | 12 | 8 | 2.7% |
| Clay County | 12 | 2 | 2.5% |
| Hamilton County | 13 | 3 | 1.7% |
| Webster County | 15 | 1 | 2.8% |
| Buffalo County | 16 | 5 | 0.9% |
| Sherman County | 17 | 1 | 4.8% |
| Franklin County | 19 | 1 | 2.9% |
| Merrick County | 20 | 2 | 1.7% |
| Cass County | 24 | 8 | 1.6% |
| Hall County | 24 | 6 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology