Union Bank And Trust Company Mortgage Rates, Fees & Info

Lincoln, NE

LEI: R6KJ2D7C3UT8OVTWHS39

Tax ID: 47-0321480

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Union Bank And Trust Company is a smaller bank specializing in Home Purchase loans. Union Bank And Trust 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: Lincoln, Omaha, Kansas City, Fremont, and Grand Island among others. We have data for 36 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Union Bank And Trust 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. Union Bank And Trust 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.70% 11/17/24
    30 Year Conventional Purchase 6.37% 11/17/24
    30 Year Conventional Refi 6.29% 11/17/24
    30 Year Cash-out Refi 6.48% 11/17/24
    30 Year FHA Purchase 7.33% 11/17/24
    30 Year VA Purchase 6.40% 11/17/24
    15 Year Conventional Purchase 5.79% 11/17/24
    15 Year Conventional Refi 5.90% 11/17/24
    15 Year Cash-out Refi 5.90% 11/17/24
    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.

    Union Bank And Trust Company Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Union Bank And Trust Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,656

    Origination Dollar Volume (All Markets)

    $375,350,000

    Employee count

    843 Show all (12) awards

    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
    LINCOLN, NE (FHA|USDA|VA) 993 $198,095,000 $199,491 $1,913 4.11%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 324 $66,680,000 $205,802 $2,297 4.12%
    Outside of Metro Areas 191 $45,495,000 $238,194 $1,973 4.16%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 42 $34,930,000 $831,667 $1,935 4.64%
    Fremont, NE (FHA|USDA|VA) 9 $12,275,000 $1,363,889 $1,970 4.24%
    GRAND ISLAND, NE (FHA|USDA|VA) 35 $4,415,000 $126,143 $1,912 3.73%
    Beatrice, NE (FHA|USDA|VA) 9 $1,515,000 $168,333 $2,105 4.36%
    Branson, MO (FHA|USDA|VA) 1 $1,275,000 $1,275,000 $0 5.15%
    LAWRENCE, KS (FHA|USDA|VA) 1 $1,185,000 $1,185,000 $0 5.85%
    Kearney, NE (FHA|USDA|VA) 8 $1,140,000 $142,500 $1,539 3.68%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $720,000 $360,000 $2,492 3.88%
    Norfolk, NE (FHA|USDA|VA) 3 $675,000 $225,000 $1,866 4.58%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $660,000 $330,000 $2,796 3.88%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $650,000 $325,000 $2,253 3.63%
    Columbus, NE (FHA|USDA|VA) 4 $610,000 $152,500 $1,060 3.81%
    TULSA, OK (FHA|USDA|VA) 1 $485,000 $485,000 $3,953 3.13%
    Granbury, TX (FHA|USDA|VA) 1 $475,000 $475,000 $0 5.50%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $465,000 $465,000 $4,297 3.75%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $345,000 $345,000 $3,640 4.00%
    ROCHESTER, MN (FHA|USDA|VA) 1 $325,000 $325,000 $2,980 3.88%
    MANHATTAN, KS (FHA|USDA|VA) 2 $320,000 $160,000 $2,312 4.25%
    BEND, OR (FHA|USDA|VA) 1 $315,000 $315,000 $4,215 4.00%
    RAPID CITY, SD (FHA|USDA|VA) 1 $285,000 $285,000 $2,375 4.30%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.50%
    Lexington, NE (FHA|USDA|VA) 2 $260,000 $130,000 $940 4.28%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $245,000 $245,000 $0 5.00%
    Hastings, NE (FHA|USDA|VA) 5 $215,000 $43,000 $1,462 3.03%
    NILES, MI (FHA|USDA|VA) 1 $175,000 $175,000 $2,600 3.75%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $175,000 $175,000 $1,768 3.88%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $165,000 $165,000 $3,104 4.38%
    BOISE CITY, ID (FHA|USDA|VA) 1 $165,000 $165,000 $2,980 4.63%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.25%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $75,000 $75,000 $2,240 4.25%
    North Platte, NE (FHA|USDA|VA) 4 $70,000 $17,500 $252 1.63%
    Scottsbluff, NE (FHA|USDA|VA) 1 $25,000 $25,000 $218 3.50%
    Mitchell, SD (FHA|USDA|VA) 1 $25,000 $25,000 $293 5.95%
    Union Bank And Trust Company's top markets include Lincoln, Omaha, Kansas City, Fremont, and Grand Island among others.

    Their top states include:
  • Nebraska (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • North Dakota (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Union Bank and Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Home Federal Savings & Loan Association of Grand Island
    Similarity Rank: 40
    U.S. HOME MORTGAGE, INC.
    Similarity Rank: 110
    Citizens Savings and Loan Association, FSB
    Similarity Rank: 141
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 160
    MUTUAL FIRST
    Similarity Rank: 276
    LIBERTY FIRST
    Similarity Rank: 351
    UNITED CONSUMERS CREDIT UNION
    Similarity Rank: 416
    Cobalt Credit Union
    Similarity Rank: 582
    CORNHUSKER BANK
    Similarity Rank: 615
    CHARTER WEST BANK
    Similarity Rank: 644

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,553 $356,345,000 $229,456 $1,758 4.13%
    FHA 71 $11,855,000 $166,972 $5,105 3.91%
    VA 29 $6,705,000 $231,207 $5,341 3.82%
    USDA 3 $445,000 $148,333 $3,652 3.88%

    For 2019, Union Bank And Trust Company's most frequently originated type of loan was Conventional, with 1,553 originations. Their 2nd most popular type was FHA, with 71 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 961 $256,735,000 $267,154 $2,286 4.04%
    Refi 345 $68,175,000 $197,609 $1,751 4.08%
    Cash Out Refi 221 $42,975,000 $194,457 $2,042 3.97%
    Home Improvement 83 $4,995,000 $60,181 $449 4.62%
    Other 46 $2,470,000 $53,696 $409 5.71%

    For 2019, Union Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 961 originations. The 2nd most popular reason was Refi, with 345 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,056 $217,620,000 $206,080 $2,367 4.05%
    Other 187 $26,395,000 $141,150 $311 5.17%
    15 Year 182 $36,830,000 $202,363 $1,974 3.54%
    5 Year 90 $77,720,000 $863,556 $235 5.06%
    10 Year 90 $6,580,000 $73,111 $343 2.71%
    20 Year 28 $5,950,000 $212,500 $2,608 3.76%
    1 Year 22 $4,220,000 $191,818 $1,465 5.49%
    3 Year 1 $35,000 $35,000 $0 6.60%

    For 2019, Union Bank And Trust Company's most frequently cited loan duration was 30 Year, with 1,056 originations. The 2nd most popular length was Other, with 187 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,461 $269,315,000 $184,336
    $1k-2k 13 $2,915,000 $224,231
    $5k+ 2 $430,000 $215,000

    Union Bank And Trust Company's average total fees were $2,367, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,461 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 800 $177,290,000 $221,613
    4-5% 577 $157,245,000 $272,522
    5-6% 169 $33,715,000 $199,497
    <2.5% 55 $355,000 $6,455
    6-7% 31 $1,015,000 $32,742
    2.5-3% 17 $5,415,000 $318,529
    7-8% 7 $315,000 $45,000

    During 2019, Union Bank And Trust Company's average interest rate for loans was 4.05%, while their most frequently originated rate bucket for loans was 3-4%, with 800 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 649 $96,355,000 $148,467 $2,295 4.11%
    $200k-400k 520 $139,940,000 $269,115 $2,286 3.98%
    $100,000 or less 385 $18,655,000 $48,455 $945 4.31%
    $400k-600k 84 $38,090,000 $453,452 $2,302 3.95%
    $1MM+ 11 $77,365,000 $7,033,182 $0 4.83%
    $600k-1MM 7 $4,945,000 $706,429 $1,720 4.70%

    2019 saw Union Bank And Trust Company place emphasis on $100k-200k loans with 649 originations, totaling $96,355,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 378 $53,310,000 $141,032 $2,023 4.05%
    $100k-150k 302 $67,280,000 $222,781 $2,091 4.03%
    $50k or less 288 $29,780,000 $103,403 $2,020 3.86%
    $75k-100k 277 $50,395,000 $181,931 $1,965 4.21%
    $150k-250k 156 $42,330,000 $271,346 $1,854 4.03%
    $250k+ 69 $24,145,000 $349,928 $1,918 4.10%

    Union Bank And Trust Company lent most frequently to those with incomes in the $50k-75k range, with 378 originations. The second most popular income band? $100k-150k, with 302 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 366 $66,120,000 $180,656 $1,893 4.02%
    30-36% 314 $56,520,000 $180,000 $1,875 3.94%
    <20% 133 $25,805,000 $194,023 $1,778 4.03%
    42% 72 $13,080,000 $181,667 $2,266 3.89%
    39% 64 $11,800,000 $184,375 $2,155 4.17%
    36% 64 $11,540,000 $180,313 $2,037 3.94%
    40% 61 $9,385,000 $153,852 $1,794 4.22%
    41% 60 $11,640,000 $194,000 $2,355 4.17%
    38% 57 $10,275,000 $180,263 $1,687 4.35%
    37% 54 $8,980,000 $166,296 $2,077 3.88%
    44% 52 $8,200,000 $157,692 $1,843 4.29%
    43% 46 $7,380,000 $160,435 $1,749 4.17%
    48% 40 $8,280,000 $207,000 $2,579 3.81%
    49% 36 $7,630,000 $211,944 $2,370 3.81%
    45% 30 $5,640,000 $188,000 $2,291 4.06%
    46% 22 $4,110,000 $186,818 $2,362 3.91%
    47% 22 $4,640,000 $210,909 $2,230 4.01%
    50-60% 15 $3,665,000 $244,333 $4,323 4.25%
    >60% 3 $755,000 $251,667 $1,653 5.83%

    Union Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 366 originations. The next most common DTI ratio? 30-36%, with 314 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,463 $268,555,000 $183,565 $1,981 4.03%
    Not applicable 121 $94,975,000 $784,917 $0 5.01%
    Asian 25 $5,255,000 $210,200 $2,228 4.24%
    Not provided 32 $4,720,000 $147,500 $2,280 4.41%
    Native Hawaiian or Islander 7 $885,000 $126,429 $1,116 4.12%
    Black 6 $570,000 $95,000 $1,304 3.79%
    American Indian 2 $390,000 $195,000 $6,660 4.06%

    Approval Rates

    Total approvals of all applications
    91.80%

    Union Bank And Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    84.66%

    Union Bank And Trust Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,656 $375,350,000 $226,661

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 37 $84,595,000 $2,286,351
    Single Family (1-4 Units):Manufactured 1 $55,000 $55,000
    Single Family (1-4 Units):Site-Built 1,618 $290,700,000 $179,666

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 108 $12,730,000 $117,870 $1,163 4.64%
    40-60% 161 $31,385,000 $194,938 $1,847 4.19%
    60-80% 542 $177,450,000 $327,399 $1,966 4.09%
    80-100% 674 $144,130,000 $213,843 $2,450 4.11%
    Over 100% 13 $3,025,000 $232,692 $7,805 3.99%
    Under 20% 158 $6,630,000 $41,962 $190 3.80%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Union Bank and Trust Company 11460 Tomahawk Creek Parkway Leawood, KS 66211 Full Service B&M $35,691
    Union Bank and Trust Company 121 South 13th Street Lincoln, NE 68508 Full Service B&M $63,006
    Union Bank and Trust Company 1300 North 48th Street Lincoln, NE 68504 Full Service B&M $54,850
    Union Bank and Trust Company 1301 J Street Auburn, NE 68305 Full Service B&M $36,903
    Union Bank and Trust Company 1313 K Street Fairbury, NE 68352 Full Service B&M $60,650
    Union Bank and Trust Company 1400 R Street Lincoln, NE 68508 Full Service B&M $30,263
    Union Bank and Trust Company 1550 South Coddington Lincoln, NE 68522 Full Service B&M $17,894
    Union Bank and Trust Company 1850 Grove Avenue Crete, NE 68333 Full Service B&M $31,927
    Union Bank and Trust Company 1940 O Street Lincoln, NE 68510 Full Service B&M $57,154
    Union Bank and Trust Company 2008 North Webb Road Grand Island, NE 68801 Full Service B&M $77,189
    Union Bank and Trust Company 220 South 4th Street Seward, NE 68434 Full Service B&M $70,368
    Union Bank and Trust Company 2201 Highway 2 Lincoln, NE 68502 Full Service B&M $60,900
    Union Bank and Trust Company 230 South Hall And U.S. 20 Valentine, NE 69201 Full Service B&M $55,867
    Union Bank and Trust Company 238 East 4th Ainsworth, NE 69210 Full Service B&M $26,561
    Union Bank and Trust Company 2720 South 177th Street Omaha, NE 68130 Full Service B&M $207,841
    Union Bank and Trust Company 309 Oak Street Bonner Springs, KS 66012 Full Service B&M $128,934
    Union Bank and Trust Company 328 West 3rd Wahoo, NE 68066 Full Service B&M $63,653
    Union Bank and Trust Company 3643 South 48th Street Lincoln, NE 68506 Full Service B&M $1,173,506
    Union Bank and Trust Company 410 4th Street Taylor, NE 68879 Full Service B&M $27,027
    Union Bank and Trust Company 4243 Pioneer Woods Dr Lincoln, NE 68516 Full Service B&M $272,201
    Union Bank and Trust Company 4732 Calvert Street Lincoln, NE 68501 Full Service B&M $14,873
    Union Bank and Trust Company 4800 Normal Boulevard Lincoln, NE 68506 Full Service B&M $57,554
    Union Bank and Trust Company 5006 North 27th Street Lincoln, NE 68505 Full Service B&M $95,431
    Union Bank and Trust Company 502 Grant Avenue York, NE 68467 Full Service B&M $27,595
    Union Bank and Trust Company 507 D Street David City, NE 68632 Full Service B&M $41,697
    Union Bank and Trust Company 514 G Street Pawnee City, NE 68420 Full Service B&M $27,612
    Union Bank and Trust Company 6001 Village Drive Lincoln, NE 68516 Full Service Retail $52,077
    Union Bank and Trust Company 6801 O Street Lincoln, NE 68510 Full Service B&M $130,508
    Union Bank and Trust Company 6801 South 27th Street Lincoln, NE 68512 Full Service B&M $226,463
    Union Bank and Trust Company 6811 South 27th Street Lincoln, NE 68516 Full Service B&M $11,865
    Union Bank and Trust Company 840 Fallbrook Boulevard Lincoln, NE 68522 Full Service Retail $11,763
    Union Bank and Trust Company 8401 Lexington Avenue Lincoln, NE 68521 Full Service B&M $50,511
    Union Bank and Trust Company 8501 Andermatt Drive Lincoln, NE 68526 Full Service B&M $54,156

    For 2019, Union Bank And Trust Company had 33 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $197,523
    Net interest income $147,365
    Total noninterest income $84,318
    Gross Fiduciary activities income $61,612
    Service charges on deposit accounts $5,839
    Trading account gains and fees $0
    Additional Noninterest Income $16,867
    Pre-tax net operating income $82,933
    Securities gains (or losses, -) $147
    Income before extraordinary items $63,967
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $63,967
    Minority interest net income $0
    Net income $63,967
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $63,850

    Union Bank And Trust Company's gross interest income from loans was $197,523,000.
    Union Bank And Trust Company's net interest income from loans was $147,365,000.
    Union Bank And Trust Company's fee based income from loans was $5,839,000.
    Union Bank And Trust Company's net income from loans was $63,967,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $50,158
    Provision for credit losses $9,210
    Total noninterest expense $139,540
    Salaries and employee benefits $76,517
    Premises and equipment expense $19,314
    Additional noninterest expense $43,709
    Applicable income taxes $19,113
    Net charge-offs $3,042
    Cash dividends $11,045

    Union Bank And Trust Company's interest expense for loans was $50,158,000.
    Union Bank And Trust Company's payroll and benefits expense were $76,517,000.
    Union Bank And Trust Company's property, plant and equipment expenses $19,314,000.

    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 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.4%
    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 $3,837,889
    Deposits held in domestic offices $3,837,889
    Deposits by Individuals, partnerships, and corporations $3,613,451
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $211,325
    Deposits by Commercial banks and other depository institutions in U.S. $13,113
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $833,560
    Demand deposits $659,880
    Nontransaction accounts $3,004,329
    Money market deposit accounts (MMDAs) $1,528,445
    Other savings deposits (excluding MMDAs) $276,391
    Total time deposits $1,199,495
    Total time and savings deposits $3,178,009
    Noninterest-bearing deposits $431,024
    Interest-bearing deposits $3,406,865
    Retail deposits $3,312,187
    IRAs and Keogh plan accounts $212,793
    Brokered deposits $398,570
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,583,369
    Cash & Balances due from depository institutions $105,067
    Interest-bearing balances $37,202
    Total securities $591,278
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,669,540
    Loan and leases loss allowance $58,625
    Trading account assets $0
    Bank premises and fixed assets $51,433
    Other real estate owned $9,064
    Goodwill and other intangibles $13,845
    All other assets $143,142

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,583,369
    Total Liabilities $4,081,502
    Total deposits $3,837,889
    Interest-bearing deposits $3,406,865
    Deposits held in domestic offices $3,837,889
    % insured (estimated) $85
    Federal funds purchased and repurchase agreements $1,079
    Trading liabilities $0
    Other borrowed funds $196,000
    Subordinated debt $0
    All other liabilities $46,534

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,669,540
    Loan and leases loss allowance $58,625
    Total loans and leases (domestic) $3,728,165
    All real estate loans $2,148,262
    Real estate loans in domestic offices $2,148,262
    Construction and development loans $450,261
    Residential 1-4 family construction $33,142
    Other construction, all land development and other land $417,119
    Loans secured by nonfarm nonresidential properties $1,104,711
    Nonfarm nonresidential secured by owner-occupied properties $414,811
    Commercial real estate & other non-farm, non-residential $689,900
    Multifamily residential real estate $123,161
    1-4 family residential loans $183,777
    Farmland loans $286,352
    Loans held in foreign offices $0
    Farm loans $95,845
    Commercial and industrial loans $692,942
    To non-U.S. addressees $0
    Loans to individuals $650,168
    Credit card loans $12,618
    Related Plans $1,363
    Consumer Auto Loans $222,566
    Other loans to individuals $413,621
    All other loans & leases $140,948
    Loans to foreign governments and official institutions $0
    Other loans $55,010
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $3,152
    Non 1-4 family restructured loans & leases $3,044
    Total loans and leases (foreign) $0

    Union Bank and Trust Company had $3,669,540,000 of loans outstanding in 2019. $2,148,262,000 of loans were in real estate loans. $450,261,000 of loans were in development loans. $123,161,000 of loans were in multifamily mortgage loans. $183,777,000 of loans were in 1-4 family mortgage loans. $95,845,000 of loans were in farm loans. $12,618,000 of loans were in credit card loans. $222,566,000 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 447 $133,395 $298,423
    Nonfarm, nonresidential loans - <$100k 64 $2,510 $39,219
    Nonfarm, nonresidential loans - $100-250k 121 $15,603 $128,950
    Nonfarm, nonresidential loans - $250k-1MM 262 $115,282 $440,008
    Commercial & Industrial, US addressed loans - <$1MM 2,822 $242,218 $85,832
    Commercial & Industrial, US addressed loans - <$100k 2,039 $48,761 $23,914
    Commercial & Industrial, US addressed loans - $100-250k 369 $40,261 $109,108
    Commercial & Industrial, US addressed loans - $250k-1MM 414 $153,196 $370,039
    Farmland loans - <$1MM 976 $114,355 $117,167
    Farmland loans - <$100k 427 $14,591 $34,171
    Farmland loans - $100-250k 332 $40,174 $121,006
    Farmland loans - $250k-1MM 217 $59,590 $274,608
    Agriculture operations loans - <$1MM 677 $41,578 $61,415
    Agriculture operations loans - <$100k 490 $10,704 $21,845
    Agriculture operations loans - $100-250k 117 $12,427 $106,214
    Agriculture operations loans - $250k-1MM 70 $18,447 $263,529