Union Bank and Trust Company mortgage approval rate & lending review
Union Bank and Trust Company decided 3,113 mortgage applications and funded 2,679 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Union Bank and Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Union Bank and Trust Company at a glance
Approval is 9.4 points above the 79.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 1,469 / 1,548 | 99% | $255K | 1,450 |
| Home improvement loans | 78% | 579 / 747 | 93% | $45K | 537 |
| Cash-out refinance | 70% | 75 / 107 | 97% | $175K | 73 |
| Refinance | 86% | 263 / 307 | 96% | $85K | 252 |
| Investment property purchase | 96% | 314 / 326 | 97% | $195K | 306 |
| Investment refinance | 93% | 43 / 46 | 95% | $95K | 41 |
Union Bank and Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Nebraska | 89% | $255K | 2,931 | 2,541 |
| Kansas | 81% | $165K | 72 | 56 |
| Missouri | 81% | $255K | 26 | 21 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Union Bank and Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lancaster County, NE | Mortgage lenders | 95% | 1,144 | 1,071 |
| Lancaster County, NE | Home improvement loans | 79% | 578 | 422 |
| Douglas County, NE | Mortgage lenders | 93% | 258 | 239 |
| Lancaster County, NE | Refinance | 86% | 226 | 188 |
| Lancaster County, NE | Investment property purchase | 95% | 141 | 131 |
| Douglas County, NE | Investment property purchase | 98% | 111 | 105 |
| Sarpy County, NE | Mortgage lenders | 98% | 90 | 88 |
| Lancaster County, NE | Cash-out refinance | 71% | 96 | 67 |
| Douglas County, NE | Home improvement loans | 80% | 91 | 66 |
| Douglas County, NE | Refinance | 89% | 45 | 38 |
| Sarpy County, NE | Investment property purchase | 100% | 31 | 30 |
| Douglas County, NE | Investment refinance | 100% | 27 | 27 |
The county markets where Union Bank and Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about Union Bank and Trust Company
What is Union Bank and Trust Company's mortgage approval rate?
Union Bank and Trust Company approved 88.8% of the 3,113 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.4 points above the 79.4% national rate for the same mix of loan types.
How often do borrowers take the loan Union Bank and Trust Company offers?
Borrowers accepted 97% of the loans Union Bank and Trust Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Union Bank and Trust Company make?
The typical home purchase mortgage loan Union Bank and Trust Company made was $255K; across all loan types its typical loan ran from $45K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Union Bank and Trust Company lend?
Union Bank and Trust Company decided applications in 25 of the states Fat Boy Data covers, most of them in Nebraska, Kansas and Missouri.
Can I apply to Union Bank and Trust Company directly?
Yes. Union Bank and Trust Company is a bank or credit union with 38 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Union Bank and Trust Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Union Bank and Trust Company treats applications, then get a rate quote from the lender.