Union Bank and Trust Company
Union Bank and Trust Company received 1,996 applications in 2025 and made 1,487 mortgages, in 119 counties across 20 states. The median rate its borrowers got was 6.500% on a median loan of $195,000. Of 1,740 decisions, 204 were denials — 11.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | R6KJ2D7C3UT8OVTWHS39 |
|---|---|
| Applications received | 1,996 |
| Mortgages made | 1,487 |
| Denied | 204 |
| Approved, not taken up | 49 |
| Withdrawn or incomplete | 256 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.0255 points |
| FDIC-insured bank | Yes: Union Bank & Trust Company, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 824 | 6.625% | $265,000 | 5.7% |
| Refinancing | 191 | 6.500% | $105,000 | 8.7% |
| Cash-out refinancing | 50 | 6.625% | $205,000 | 25.0% |
| Other purposes | 422 | 6.500% | $55,000 | 20.8% |
Where Union Bank and Trust Company lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lancaster County, NE | 806 | 6.500% | 11.4% |
| Douglas County, NE | 178 | 6.500% | 8.8% |
| Sarpy County, NE | 63 | 6.500% | 8.6% |
| Saunders County, NE | 43 | 6.625% | 10.2% |
| Saline County, NE | 31 | 6.500% | 8.8% |
| Seward County, NE | 29 | 6.625% | 11.4% |
| Hall County, NE | 19 | 6.875% | 16.7% |
| Cass County, NE | 18 | 6.500% | 5.0% |
| York County, NE | 18 | 6.500% | 24.0% |
| Jefferson County, NE | 16 | 6.500% | 5.6% |
| Gage County, NE | 15 | 6.500% | 15.8% |
| Johnson County, KS | 14 | 6.500% | 6.3% |
| Platte County, NE | 14 | 6.500% | 0.0% |
| Butler County, NE | 13 | 6.500% | 0.0% |
| Wyandotte County, KS | 12 | 6.625% | 17.7% |
| Jackson County, MO | 9 | Under 10 loans | 18.2% |
| Cherry County, NE | 9 | Under 10 loans | 18.2% |
| Otoe County, NE | 9 | Under 10 loans | 18.2% |
| Pottawattamie County, IA | 8 | Under 10 loans | 0.0% |
| Brown County, NE | 8 | Under 10 loans | 11.1% |
| Buffalo County, NE | 7 | Under 10 loans | 22.2% |
| Hamilton County, NE | 7 | Under 10 loans | 0.0% |
| Dodge County, NE | 6 | Under 10 loans | 14.3% |
| Thayer County, NE | 6 | Under 10 loans | 14.3% |
| Maricopa County, AZ | 5 | Under 10 loans | 16.7% |
| Larimer County, CO | 5 | Under 10 loans | 0.0% |
| Leavenworth County, KS | 5 | Under 10 loans | 28.6% |
| Garfield County, NE | 5 | Under 10 loans | 0.0% |
| Nemaha County, NE | 5 | Under 10 loans | 28.6% |
| Washington County, NE | 5 | Under 10 loans | 0.0% |
| Colfax County, NE | 4 | Under 10 loans | 0.0% |
| Madison County, NE | 4 | Under 10 loans | 0.0% |
| Merrick County, NE | 4 | Under 10 loans | 0.0% |
| Weld County, CO | 3 | Under 10 loans | 0.0% |
| Dallas County, IA | 3 | Under 10 loans | 0.0% |
| Mills County, IA | 3 | Under 10 loans | 0.0% |
| Adams County, NE | 3 | Under 10 loans | 0.0% |
| Arapahoe County, CO | 2 | Under 10 loans | 33.3% |
| Henry County, IN | 2 | Under 10 loans | 0.0% |
| Woodbury County, IA | 2 | Under 10 loans | 0.0% |
| Clay County, MO | 2 | Under 10 loans | 0.0% |
| Clay County, NE | 2 | Under 10 loans | 0.0% |
| Dawson County, NE | 2 | Under 10 loans | 33.3% |
| Fillmore County, NE | 2 | Under 10 loans | 33.3% |
| Howard County, NE | 2 | Under 10 loans | 0.0% |
| Polk County, NE | 2 | Under 10 loans | 33.3% |
| Red Willow County, NE | 2 | Under 10 loans | 0.0% |
| Valley County, NE | 2 | Under 10 loans | 33.3% |
| Yankton County, SD | 2 | Under 10 loans | 33.3% |
| Hidalgo County, TX | 2 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.