Union Bank and Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
45th11.7% deniedPricingmedian rate spread over APOR, weight 30%
82nd-0.03 ptsProcesswithdrawn + incomplete share, weight 15%
70th12.8%Closing coststotal loan costs ÷ loan amount, weight 10%
80th1.51% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,748 | 1,267 | 14.5% | 16.2% | 6.38% | $361M |
| 2024 | 1,796 | 1,299 | 13.5% | 15.3% | 6.88% | $282M |
| 2025 | 1,996 | 1,487 | 10.2% | 11.7% | 6.50% | $638M |
What Union Bank and Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 703 home-equity lines, 0 reverse mortgages, 8 manufactured homes, 258 investment properties.
Why Union Bank and Trust denies applications
Primary reason reported for each of the 204 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Union Bank and Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 143 | 76 | 36.6% |
| $50k – $100k | 548 | 385 | 17.2% |
| $100k – $150k | 428 | 323 | 8.5% |
| $150k – $250k | 367 | 290 | 5.9% |
| Over $250k | 252 | 198 | 5.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 73 | 52 | 17.5% |
| 25–34 | 392 | 288 | 10.7% |
| 35–44 | 442 | 323 | 12.2% |
| 45–54 | 355 | 261 | 12.5% |
| 55–64 | 300 | 229 | 11.7% |
| 65–74 | 203 | 146 | 13.8% |
| Over 74 | 80 | 54 | 19.4% |
Where Union Bank and Trust lends
20 states and 119 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Union Bank and Trust denied 11.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 45th percentile of mid-size mortgage lenders.
The most common reason Union Bank and Trust gave in 2025 was "debt-to-income ratio", cited on 52.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Union Bank and Trust originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was -0.03 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 53% of its applications were for home purchases, 16% for refinancing (including cash-out), and 31% for home improvement or other purposes. By loan type: 97% conventional, 2% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.