Lender profile · HMDA 2023–2025
Union Bank and Trust Company mortgage approval rates & lending data
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.
Approval 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 |
| Colorado | 84% | $495K | 19 | 14 |
| Arizona | 77% | $205K | 13 | 9 |
| Iowa | 100% | $275K | 13 | 13 |
| Florida | 100% | $135K | 7 | 6 |
| California | 20% | $2.81M | 5 | 1 |
| Texas | 100% | $425K | 5 | 5 |
| Minnesota | 75% | $335K | 4 | 2 |
| Kentucky | 100% | $235K | 3 | 3 |
| Virginia | 0% | — | 2 | 0 |
| Arkansas | 0% | — | 1 | 0 |
| Idaho | 100% | $305K | 1 | 1 |
| Louisiana | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.