Union Bank and Trust in Nebraska vs the state
10.0%Denial rate-2.56 pts vs state
11.5%Decision denial rate-3.68 pts vs state
74.8%Origination rate+7.54 pts vs state
6.50%Median rate-0.13 pts vs state
-0.02Rate spread (pts)-0.25 pts vs state
$119kMedian applicant income
1,373Loans originated
183Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,627 | 1,192 | 14.4% | 6.38% | #7 |
| 2024 | 1,669 | 1,217 | 13.1% | 6.88% | #9 |
| 2025 | 1,835 | 1,373 | 10.0% | 6.50% | #9 |
What Union Bank and Trust lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most Union Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 1,081 | 806 | 106 | 9.8% |
| Douglas County | 236 | 178 | 18 | 7.6% |
| Sarpy County | 79 | 63 | 6 | 7.6% |
| Saunders County | 57 | 43 | 5 | 8.8% |
| Seward County | 40 | 29 | 4 | 10.0% |
| Saline County | 39 | 31 | 3 | 7.7% |
| York County | 27 | 18 | 6 | 22.2% |
| Hall County | 25 | 19 | 4 | 16.0% |
| Cass County | 23 | 18 | 1 | 4.3% |
| Gage County | 20 | 15 | 3 | 15.0% |
Other large lenders in Nebraska
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,384 | 17.6% | 6.75% |
| Pinnacle Bank | B | 3,371 | 4.3% | 6.95% |
| First National Bank of Omaha | C | 2,902 | 19.6% | 7.00% |
| Charter West Bank | C | 2,258 | 6.6% | 6.50% |
| U.S. Bank | D | 2,163 | 32.9% | 6.99% |
| Veridian Credit Union | B | 2,051 | 9.8% | 6.49% |
| West Gate Bank | A | 2,040 | 5.0% | 6.50% |
| Centris | B | 2,002 | 16.3% | 6.25% |
| Mortgage Research Center | C | 1,651 | 12.5% | 6.25% |
| United Shore Financial Services | B | 1,558 | 8.2% | 6.37% |
Frequently asked questions
Nebraska: 1,835 applications in 2025, of which 1,373 were originated and 183 denied.
10.0% of all applications, or 11.5% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans Union Bank and Trust originated in Nebraska in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Union Bank and Trust's own HMDA filing for properties located in Nebraska, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology