The Union Bank Company Mortgage Rates, Fees & Info
Columbus Grove, OHLEI: 254900BDGU9FU91PQA51
Tax ID: 34-4379460
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Review & Overview
The Union Bank Company is a smaller bank specializing in Refi, Cash Out Refi, and Home Purchase loans. The Union Bank Company has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Columbus, Lima, New York, Cincinnati, and Chicago among others. We have data for 229 markets. (Some data included below & more in-depth data is available with an active subscription.)The Union Bank Company has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The Union Bank Company is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.64% | 4/22/24 |
| 30 Year Conventional Purchase | 6.63% | 4/22/24 |
| 30 Year Conventional Refi | 6.38% | 4/22/24 |
| 30 Year Cash-out Refi | 6.58% | 4/22/24 |
| 30 Year FHA Purchase | 7.18% | 4/22/24 |
| 30 Year FHA Refi | 6.60% | 4/22/24 |
| 30 Year VA Purchase | 6.15% | 4/22/24 |
| 30 Year USDA Purchase | 6.87% | 4/22/24 |
| 15 Year Conventional Purchase | 6.10% | 4/22/24 |
| 15 Year Conventional Refi | 6.03% | 4/22/24 |
| 15 Year Cash-out Refi | 6.03% | 4/22/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
The Union Bank Company Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,753Origination Dollar Volume (All Markets)
$686,925,000Employee count
222Awards
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The Union Bank Company - 2020
The Union Bank Company is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| COLUMBUS, OH (FHA|USDA|VA) | 869 | $248,075,000 | $285,472 | $3,302 | 3.14% |
| Outside of Metro Areas | 341 | $59,395,000 | $174,179 | $2,120 | 2.95% |
| LIMA, OH (FHA|USDA|VA) | 218 | $42,950,000 | $197,018 | $2,220 | 3.12% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 85 | $33,005,000 | $388,294 | $5,280 | 3.03% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 122 | $25,500,000 | $209,016 | $3,153 | 2.92% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 66 | $18,270,000 | $276,818 | $3,604 | 3.16% |
| TOLEDO, OH (FHA|USDA|VA) | 76 | $12,890,000 | $169,605 | $2,618 | 2.86% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 33 | $11,225,000 | $340,152 | $4,325 | 3.17% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 40 | $11,140,000 | $278,500 | $4,366 | 3.11% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 25 | $8,345,000 | $333,800 | $5,623 | 3.05% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 16 | $7,920,000 | $495,000 | $4,341 | 3.23% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 27 | $7,875,000 | $291,667 | $5,000 | 3.09% |
| Findlay, OH (FHA|USDA|VA) | 38 | $7,340,000 | $193,158 | $2,203 | 2.97% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 25 | $6,965,000 | $278,600 | $4,602 | 2.96% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 23 | $6,335,000 | $275,435 | $4,282 | 3.08% |
| Marion, OH (FHA|USDA|VA) | 43 | $6,035,000 | $140,349 | $2,382 | 3.27% |
| Van Wert, OH (FHA|USDA|VA) | 43 | $5,735,000 | $133,372 | $1,934 | 3.03% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 17 | $4,935,000 | $290,294 | $4,318 | 3.01% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 13 | $4,895,000 | $376,538 | $4,787 | 2.98% |
| Wapakoneta, OH (FHA|USDA|VA) | 38 | $4,870,000 | $128,158 | $2,225 | 3.10% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 17 | $4,785,000 | $281,471 | $3,569 | 2.88% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 17 | $4,345,000 | $255,588 | $3,629 | 3.17% |
| Bellefontaine, OH (FHA|USDA|VA) | 13 | $4,335,000 | $333,462 | $2,900 | 3.70% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 20 | $4,180,000 | $209,000 | $3,621 | 2.97% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 10 | $4,090,000 | $409,000 | $4,815 | 3.16% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 21 | $4,065,000 | $193,571 | $3,355 | 3.30% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 10 | $2,990,000 | $299,000 | $2,940 | 2.93% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 12 | $2,980,000 | $248,333 | $3,556 | 3.30% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 12 | $2,960,000 | $246,667 | $5,444 | 2.96% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 10 | $2,930,000 | $293,000 | $4,412 | 2.95% |
| RICHMOND, VA (FHA|USDA|VA) | 9 | $2,795,000 | $310,556 | $3,997 | 2.78% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 9 | $2,735,000 | $303,889 | $4,347 | 2.93% |
| Mount Vernon, OH (FHA|USDA|VA) | 12 | $2,580,000 | $215,000 | $2,724 | 3.02% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 9 | $2,465,000 | $273,889 | $4,649 | 2.97% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 8 | $2,310,000 | $288,750 | $3,733 | 3.13% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 8 | $2,160,000 | $270,000 | $4,998 | 2.83% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 7 | $1,955,000 | $279,286 | $5,569 | 2.95% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 8 | $1,950,000 | $243,750 | $4,236 | 3.19% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 7 | $1,915,000 | $273,571 | $2,726 | 2.91% |
| Angola, IN (FHA|USDA|VA) | 6 | $1,910,000 | $318,333 | $2,685 | 2.75% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 7 | $1,875,000 | $267,857 | $4,728 | 2.93% |
| Urbana, OH (FHA|USDA|VA) | 2 | $1,780,000 | $890,000 | $2,143 | 3.73% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $1,555,000 | $518,333 | $8,243 | 3.17% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 5 | $1,535,000 | $307,000 | $3,127 | 2.93% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4 | $1,510,000 | $377,500 | $6,434 | 2.78% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $3,717 | 2.80% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $2,687 | 3.06% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 6 | $1,270,000 | $211,667 | $3,228 | 2.77% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $4,807 | 2.98% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 6 | $1,180,000 | $196,667 | $4,663 | 2.94% |
| BOISE CITY, ID (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $5,240 | 3.25% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $3,692 | 2.93% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $3,508 | 3.30% |
| Fremont, OH (FHA|USDA|VA) | 10 | $1,150,000 | $115,000 | $2,357 | 3.10% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $7,718 | 3.13% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $4,341 | 3.25% |
| Celina, OH (FHA|USDA|VA) | 9 | $1,125,000 | $125,000 | $3,094 | 3.03% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $4,045 | 3.22% |
| FORT WAYNE, IN (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $4,858 | 3.20% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $4,211 | 3.31% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $4,149 | 3.06% |
| AKRON, OH (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $2,828 | 2.85% |
| LOUISVILLE, KY (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $2,647 | 2.75% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $3,424 | 3.38% |
| RENO, NV (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $9,558 | 3.13% |
| READING, PA (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $5,417 | 3.00% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $13,201 | 2.83% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $5,247 | 3.44% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $4,097 | 3.56% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $6,193 | 3.42% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $6,690 | 3.13% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $3,620 | 3.29% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $6,682 | 3.75% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $4,988 | 2.50% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $6,358 | 3.63% |
| MISSOULA, MT (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $3,101 | 3.50% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $2,599 | 2.69% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $4,844 | 2.50% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $4,665 | 2.56% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $5,214 | 2.75% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $5,520 | 2.63% |
| ROCHESTER, NY (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $3,421 | 3.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $3,959 | 2.88% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $3,274 | 3.29% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $3,270 | 3.13% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $4,376 | 3.06% |
| MONROE, MI (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $4,729 | 2.88% |
| Chillicothe, OH (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $4,155 | 3.17% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $5,623 | 2.75% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $6,509 | 3.13% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $4,255 | 2.58% |
| MANSFIELD, OH (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $4,428 | 3.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $5,121 | 2.56% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $4,859 | 3.54% |
| Outside of Metro Areas | 2 | $610,000 | $305,000 | $4,533 | 2.75% |
| Heber, UT (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $2,610 | 3.31% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,085 | 3.94% |
| MADERA, CA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $3,859 | 3.31% |
| ANN ARBOR, MI (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $4,032 | 2.92% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $3,546 | 3.46% |
| Laconia, NH (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,566 | 2.94% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,278 | 3.31% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,958 | 3.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,580 | 3.13% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,750 | 3.50% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,604 | 2.94% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,307 | 3.13% |
| Durango, CO (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $2,133 | 2.63% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,566 | 3.00% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $6,214 | 3.56% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,569 | 2.88% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,888 | 2.88% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,807 | 2.50% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,926 | 2.50% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,118 | 2.75% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,336 | 3.19% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $8,199 | 3.44% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,243 | 4.19% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,183 | 2.81% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $1,966 | 3.44% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,141 | 3.31% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,900 | 3.38% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,233 | 3.13% |
| Coldwater, MI (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,827 | 3.33% |
| DOTHAN, AL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,056 | 2.94% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,885 | 2.75% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,693 | 2.75% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,148 | 3.13% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,842 | 2.88% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $8,038 | 2.75% |
| Zanesville, OH (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,657 | 3.44% |
| FAIRBANKS, AK (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,641 | 2.75% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,847 | 3.38% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,855 | 3.88% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,611 | 3.50% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,526 | 2.75% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,236 | 2.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,837 | 3.25% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,264 | 3.00% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,893 | 2.75% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,506 | 3.38% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,600 | 2.63% |
| Gillette, WY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,949 | 2.75% |
| Defiance, OH (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,373 | 2.81% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,438 | 3.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,869 | 3.50% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,446 | 2.75% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,529 | 2.50% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,652 | 2.63% |
| Rock Springs, WY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,711 | 2.38% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,900 | 2.50% |
| Mount Vernon, IL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,161 | 3.13% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,514 | 2.88% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,645 | 2.88% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,206 | 3.00% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,324 | 2.88% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,592 | 3.13% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,785 | 3.75% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,633 | 4.00% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,732 | 2.63% |
| Marion, IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,122 | 2.50% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,976 | 3.50% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,602 | 3.25% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,198 | 2.63% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,007 | 2.88% |
| Washington Court House, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,478 | 3.00% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,749 | 3.13% |
| Lewisburg, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,889 | 3.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,068 | 3.00% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,117 | 3.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,055 | 2.88% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,109 | 3.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,026 | 3.88% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,000 | 2.50% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,711 | 3.50% |
| Alpena, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,347 | 2.75% |
| Holland, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,247 | 4.50% |
| Huntington, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,651 | 2.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,923 | 3.88% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,964 | 3.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,107 | 2.88% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,547 | 2.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,592 | 3.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,281 | 2.88% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,791 | 3.00% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,882 | 3.50% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,499 | 3.13% |
| Crossville, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,516 | 3.75% |
| Farmington, MO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,226 | 4.13% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,827 | 3.00% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,979 | 2.88% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,198 | 3.00% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,433 | 4.38% |
| Greenwood, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,501 | 3.75% |
| Branson, MO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,369 | 3.38% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,673 | 3.13% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,545 | 3.50% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,949 | 4.88% |
| Logansport, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,251 | 3.00% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,086 | 2.25% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,782 | 2.63% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,300 | 2.75% |
| Ozark, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,463 | 3.50% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,826 | 2.75% |
| TULSA, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,032 | 3.00% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,205 | 3.88% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,164 | 4.50% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,768 | 2.88% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,918 | 3.25% |
| Hudson, NY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,654 | 2.50% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,591 | 3.88% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,012 | 3.13% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,130 | 3.38% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,682 | 3.38% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,501 | 2.38% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,378 | 4.25% |
| Athens, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,033 | 2.75% |
| OCALA, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,202 | 4.63% |
| Cullman, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,088 | 3.88% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,209 | 2.88% |
| Shelton, WA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,153 | 2.63% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,022 | 3.75% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,969 | 3.50% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,776 | 2.88% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.25% |
| Meadville, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,445 | 2.75% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.38% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,041 | 3.00% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,357 | 2.75% |
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Product Mix
For 2020, The Union Bank Company's most frequently originated type of loan was Conventional, with 2,488 originations. Their 2nd most popular type was FHA, with 140 originations.
Loan Reason
For 2020, The Union Bank Company's most frequently cited loan purpose was Refi, with 1,150 originations. The 2nd most popular reason was Cash Out Refi, with 861 originations.
Loan Duration/Length
For 2020, The Union Bank Company's most frequently cited loan duration was 30 Year, with 1,923 originations. The 2nd most popular length was 15 Year, with 477 originations.
Origination Fees/Closing Costs
The Union Bank Company's average total fees were $3,677, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,079 originations.
Interest Rates
During 2020, The Union Bank Company's average interest rate for loans was 3.14%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,221 originations.
Loan Sizing
2020 saw The Union Bank Company place emphasis on $200k-400k loans with 1,346 originations, totaling $372,150,000 in origination value.
Applicant Income
The Union Bank Company lent most frequently to those with incomes in the $100k-150k range, with 674 originations. The second most popular income band? $50k-75k, with 587 originations.
Applicant Debt to Income Ratio
The Union Bank Company lent most frequently to those with DTI ratios of 20-30%, with 787 originations. The next most common DTI ratio? 30-36%, with 487 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.48%
The Union Bank Company has an average approval rate.
Pick Rate
Approvals leading to origination81.15%
The Union Bank Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,753 | $686,925,000 | $249,519 |
Occupancy Type Mix
LTV Distribution
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| The Union Bank Company | 101 Progressive Drive Columbus Grove, OH 45830 | Limited, Drive-thru | $0 |
| The Union Bank Company | 105 Progressive Drive Columbus Grove, OH 45830 | Full Service B&M | $85,910 |
| The Union Bank Company | 110 East North Street Kalida, OH 45853 | Full Service B&M | $85,180 |
| The Union Bank Company | 111 South Main Street Marion, OH 43302 | Full Service B&M | $28,111 |
| The Union Bank Company | 114 East Third Street Delphos, OH 45833 | Full Service B&M | $98,258 |
| The Union Bank Company | 1300 North Main Street Bowling Green, OH 43402 | Full Service B&M | $31,187 |
| The Union Bank Company | 132 Front Street Pemberville, OH 43450 | Full Service B&M | $53,084 |
| The Union Bank Company | 1410 Bellefontaine Ave Lima, OH 45804 | Full Service B&M | $65,413 |
| The Union Bank Company | 1500 Bright Rd Findlay, OH 45840 | Full Service B&M | $28,484 |
| The Union Bank Company | 20311 Pemberville Road Pemberville, OH 43450 | Limited, Drive-thru | $265 |
| The Union Bank Company | 220 Richland Road Marion, OH 43302 | Full Service B&M | $33,425 |
| The Union Bank Company | 230 West Main Street Gibsonburg, OH 43431 | Full Service B&M | $29,507 |
| The Union Bank Company | 30 Coal Bend Delaware, OH 43015 | Full Service B&M | $33,476 |
| The Union Bank Company | 318 South Belmore Street Leipsic, OH 45856 | Full Service B&M | $66,368 |
| The Union Bank Company | 3211 Elida Road Lima, OH 45805 | Full Service B&M | $49,019 |
| The Union Bank Company | 461 Beecher Road Gahanna, OH 43230 | Full Service B&M | $54,896 |
| The Union Bank Company | 468 Polaris Parkway Westerville, OH 43082 | Full Service B&M | $15,023 |
| The Union Bank Company | 701 Shawne Road Lima, OH 45805 | Full Service B&M | $34,581 |
| The Union Bank Company | State Route 65 And Us Route 224 Ottawa, OH 45875 | Full Service B&M | $44,456 |
For 2020, The Union Bank Company had 19 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $40,030 |
| Net interest income | $33,977 |
| Total noninterest income | $26,689 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $1,102 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $25,587 |
| Pre-tax net operating income | $17,875 |
| Securities gains (or losses, -) | $310 |
| Income before extraordinary items | $14,905 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $14,905 |
| Minority interest net income | $0 |
| Net income | $14,905 |
| Sale, conversion, retirement of capital stock, net | $153 |
| Net operating income | $14,650 |
The Union Bank Company's gross interest income from loans was $40,030,000.
The Union Bank Company's net interest income from loans was $33,977,000.
The Union Bank Company's fee based income from loans was $1,102,000.
The Union Bank Company's net income from loans was $14,905,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $6,053 |
| Provision for credit losses | $6,200 |
| Total noninterest expense | $36,591 |
| Salaries and employee benefits | $22,049 |
| Premises and equipment expense | $3,301 |
| Additional noninterest expense | $11,241 |
| Applicable income taxes | $3,280 |
| Net charge-offs | $337 |
| Cash dividends | $4,500 |
The Union Bank Company's interest expense for loans was $6,053,000.
The Union Bank Company's payroll and benefits expense were $22,049,000.
The Union Bank Company's property, plant and equipment expenses $3,301,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $840,223 |
| Deposits held in domestic offices | $840,223 |
| Deposits by Individuals, partnerships, and corporations | $787,839 |
| Deposits by U.S. Government | $1 |
| Deposits by States and political subdivisions in the U.S. | $50,847 |
| Deposits by Commercial banks and other depository institutions in U.S. | $1,537 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $89,159 |
| Demand deposits | $49,688 |
| Nontransaction accounts | $751,065 |
| Money market deposit accounts (MMDAs) | $191,860 |
| Other savings deposits (excluding MMDAs) | $404,001 |
| Total time deposits | $155,204 |
| Total time and savings deposits | $790,536 |
| Noninterest-bearing deposits | $178,226 |
| Interest-bearing deposits | $661,997 |
| Retail deposits | $826,985 |
| IRAs and Keogh plan accounts | $18,114 |
| Brokered deposits | $10 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $978,542 |
| Cash & Balances due from depository institutions | $57,035 |
| Interest-bearing balances | $46,589 |
| Total securities | $194,424 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $642,536 |
| Loan and leases loss allowance | $9,994 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $19,247 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $30,531 |
| All other assets | $34,769 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $978,542 |
| Total Liabilities | $849,472 |
| Total deposits | $840,223 |
| Interest-bearing deposits | $661,997 |
| Deposits held in domestic offices | $840,223 |
| % insured (estimated) | $82 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $9,249 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $642,536 |
| Loan and leases loss allowance | $9,994 |
| Total loans and leases (domestic) | $652,530 |
| All real estate loans | $495,061 |
| Real estate loans in domestic offices | $495,061 |
| Construction and development loans | $31,488 |
| Residential 1-4 family construction | $4,962 |
| Other construction, all land development and other land | $26,526 |
| Loans secured by nonfarm nonresidential properties | $171,545 |
| Nonfarm nonresidential secured by owner-occupied properties | $65,594 |
| Commercial real estate & other non-farm, non-residential | $105,951 |
| Multifamily residential real estate | $66,308 |
| 1-4 family residential loans | $184,408 |
| Farmland loans | $41,312 |
| Loans held in foreign offices | $0 |
| Farm loans | $12,032 |
| Commercial and industrial loans | $127,047 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $7,599 |
| Credit card loans | $0 |
| Related Plans | $78 |
| Consumer Auto Loans | $5,606 |
| Other loans to individuals | $1,915 |
| All other loans & leases | $10,791 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $5,592 |
| Loans to depository institutions and acceptances of other banks | $1,947 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $1,490 |
| Non 1-4 family restructured loans & leases | $1,294 |
| Total loans and leases (foreign) | $0 |
The Union Bank Company had $642,536,000 of loans outstanding in 2020. $495,061,000 of loans were in real estate loans. $31,488,000 of loans were in development loans. $66,308,000 of loans were in multifamily mortgage loans. $184,408,000 of loans were in 1-4 family mortgage loans. $12,032,000 of loans were in farm loans. $0 of loans were in credit card loans. $5,606,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 320 | $70,138 | $219,181 |
| Nonfarm, nonresidential loans - <$100k | 64 | $2,778 | $43,406 |
| Nonfarm, nonresidential loans - $100-250k | 98 | $11,423 | $116,561 |
| Nonfarm, nonresidential loans - $250k-1MM | 158 | $55,937 | $354,032 |
| Commercial & Industrial, US addressed loans - <$1MM | 1,436 | $97,890 | $68,169 |
| Commercial & Industrial, US addressed loans - <$100k | 1,111 | $26,862 | $24,178 |
| Commercial & Industrial, US addressed loans - $100-250k | 185 | $21,738 | $117,503 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 140 | $49,290 | $352,071 |
| Farmland loans - <$1MM | 156 | $22,024 | $141,179 |
| Farmland loans - <$100k | 35 | $1,453 | $41,514 |
| Farmland loans - $100-250k | 72 | $7,810 | $108,472 |
| Farmland loans - $250k-1MM | 49 | $12,761 | $260,429 |
| Agriculture operations loans - <$1MM | 138 | $8,109 | $58,761 |
| Agriculture operations loans - <$100k | 94 | $2,850 | $30,319 |
| Agriculture operations loans - $100-250k | 31 | $3,069 | $99,000 |
| Agriculture operations loans - $250k-1MM | 13 | $2,190 | $168,462 |