# Union Bank and Trust Company

> **Canonical URL:** https://saferate.com/lenders/union-bank-and-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Union Bank and Trust Company is a bank, headquartered in Lincoln, NE, serving borrowers across 10 states, with 615 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 12% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 23% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** R6KJ2D7C3UT8OVTWHS39
- **Headquarters:** Lincoln, NE
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** AZ, CO, IA, KS, KY, MN, MO, NE, TX, UT
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 88/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.064%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,067
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 615
- **Dollar Volume:** $192 million
- **Applications Received:** 790
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $312,707
- **Average Borrower Income:** $146,577
- **Average Property Value:** $435,829

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 74/100 | 546 | -0.078% | $1,061 | Strong 😀 |
| FHA | 64/100 | 43 | +0.287% | $1,227 | Strong 😀 |
| VA | 60/100 | 17 | -0.426% | $847 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 494 loans, Score: 74/100 (Strong)
- Refinance: 52 loans, Score: 62/100 (Strong)

**FHA:**
- Purchase: 43 loans, Score: 64/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 73/100 | 563 | $180M | -0.067% | Strong 😀 |
| Refinance | 61/100 | 52 | $12M | -0.038% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NE | 584 | 2.73% | 92/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lincoln, NE | NE | 356 | 94/100 |
| Omaha, NE | NE-IA | 134 | 77/100 |
| Non |  | 90 | 51/100 |
| Grand Island, NE | NE | 16 | 55/100 |

## Where This Lender Ranks

Union Bank and Trust Company appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Nebraska for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Lincoln, NE
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders)
- 🥉 **#3** in Lincoln, NE Banks
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks)
- 🥉 **#3** in Lincoln, NE for Conventional Loans
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Lincoln, NE for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Lincoln, NE for FHA Loans
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Lincoln, NE for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Nebraska Banks
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks)
- 🏆 **#4** in Nebraska for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Nebraska for FHA Loans
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in Nebraska for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Nebraska for Jumbo Loans
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/jumbo-loans)
- 🏆 **#5** in Nebraska
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders)
- 🏆 **#5** in Nebraska for Conventional Loans
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Lincoln, NE for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks/va-loans)
- 🏆 **#5** in Omaha, NE for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Grand Island, NE for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/grand-island-ne/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Lincoln, NE for VA Loans
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/va-loans)
- 🏆 **#7** in Omaha, NE for Conventional Loans
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in Omaha, NE for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does Union Bank and Trust Company offer?

Union Bank and Trust Company offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Union Bank and Trust Company offer mortgages?

Union Bank and Trust Company offers mortgages in 10 states: AZ, CO, IA, KS, KY, MN, MO, NE, TX, UT.

### How competitive are Union Bank and Trust Company's mortgage rates?

Union Bank and Trust Company has a pricing score of 88/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.064% below market average.

### What type of lender is Union Bank and Trust Company?

Union Bank and Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Lincoln, NE.

### What is Union Bank and Trust Company's loan approval success rate?

Union Bank and Trust Company has a pull-through score of 77/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/union-bank-and-trust

### How to Cite

> "Union Bank and Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/union-bank-and-trust

---

**[View Interactive Profile →](https://saferate.com/lenders/union-bank-and-trust)**