Applications / Mortgage Analytics / Lenders / Nebraska / Union Bank and Trust Company
Lincoln, NE · State non-member bank · FDIC · $9.1 billion assets · 1,487 loans in 2025
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1,487
loans originated, 2025
1,996
applications, 2025
20
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Union Bank and Trust Company is a Nebraska purchase lender whose originations rose 14% in 2025, faster than the 11% at similar lenders, with share gains in Omaha and first loans in Reno.
Originations rose 14% to 1,487, against 11% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market; they were 2,742 in 2020. Purchase loans were 55.4% of its originations, home improvement 18.3%, refinance 16.2% and other purposes 10.1%.
It ranked 12 of 417 in Omaha, where its share rose 0.8 points to 2.1%; JPMorgan Chase Bank, Berkeley Point Capital and Pinnacle Bank led there. It ranked 6 of 341 in non-metro Nebraska and entered Reno in 2025, ranking 28 of 325 with 0.9%.
LMI (low- and moderate-income) borrowers took 28.0% of its loans, near the middle of peers (27.5%). LMI areas took 12.3%, lower than at about four in five similar lenders (15.2%), and majority-minority areas 2.8%, lower than about three in four (7.9%), up from 1.1% five years before. One possible reason is the makeup of its main markets, Lincoln, Omaha and non-metro Nebraska.
Its purchase denial rate was 4.7%, against 6.0% at peers, and its refinance rate 18.8%, against 19.0%. Higher-priced loans (a rate well above the average for similar loans) were 1.2%, against 1.4%, and its typical rate, 6.50%, was lower than at about seven in ten peers.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Union Bank and Trust Company took 1,996 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.4% · Home improvement 18.3% · Refinance 16.2% · Other 10.1%
Conventional 97.2% · FHA 2.3% · VA 0.5% · of 1,487 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Nebraska | 1,373 | 92.3% |
| Kansas | 35 | 2.4% |
| Iowa | 19 | 1.3% |
| Missouri | 18 | 1.2% |
| Colorado | 13 | 0.9% |
| Arizona | 6 | 0.4% |
| Minnesota | 3 | 0.2% |
| South Dakota | 3 | 0.2% |
| Texas | 3 | 0.2% |
| California | 2 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lincoln | 835 |
| Omaha | 318 |
| Kansas City | 43 |
| Grand Island | 25 |
| Des Moines-West Des Moines | 5 |
| Fort Collins-Loveland | 5 |
| Phoenix-Mesa-Chandler | 5 |
| Denver-Aurora-Centennial | 3 |
| Greeley | 3 |
| McAllen-Edinburg-Mission | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | R6KJ2D7C3UT8OVTWHS39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 450856 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313421 | 1990–2017 |
Established 28 February 1917. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Union Bank and Trust Company's data.
Union Bank and Trust Company's data
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Union Bank and Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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