# UNITED TRUST BANK

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


> **📋 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


UNITED TRUST BANK is a bank, headquartered in Palos Heights, IL, serving borrowers across 39 states, with 226 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 87% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 984500CD6F0743B8F530
- **Headquarters:** Palos Heights, IL
- **Geographic Reach:** Near-National
- **States Served:** 39
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NH, NV, NY, OH, OK, OR, PA, RI, TN, TX, UT, VA, WA, WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 13/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.628%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,896
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 226
- **Dollar Volume:** $77 million
- **Applications Received:** 270
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $341,593
- **Average Borrower Income:** $99,288
- **Average Property Value:** $456,283

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 22/100 | 61 | +0.542% | $3,135 | Acceptable 🙂 |
| FHA | 38/100 | 22 | +0.720% | $3,946 | Acceptable 🙂 |
| VA | 68/100 | 132 | +0.830% | $6,290 | Strong 😀 |
| Jumbo | 60/100 | 11 | - | - | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 50 loans, Score: 24/100 (Acceptable)

**VA:**
- Refinance: 132 loans, Score: 82/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 27/100 | 69 | $31M | +0.614% | Acceptable 🙂 |
| Refinance | 49/100 | 157 | $46M | +0.659% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 32 | 0.02% | 53/100 |
| OH | 31 | 0.02% | 52/100 |
| FL | 17 | 0.01% | 42/100 |
| PA | 16 | 0.01% | 45/100 |
| IL | 13 | 0.01% | 43/100 |
| IN | 10 | 0.01% | 40/100 |
| VA | 10 | 0.01% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 31 | 39/100 |
| Atlanta | GA | 18 | 49/100 |

## Frequently Asked Questions

### What loan types does UNITED TRUST BANK offer?

UNITED TRUST BANK offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does UNITED TRUST BANK offer mortgages?

UNITED TRUST BANK offers mortgages in 39 states: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NH, NV, NY, OH, OK, OR, PA, RI, TN, TX, UT, VA, WA, WI.

### How competitive are UNITED TRUST BANK's mortgage rates?

UNITED TRUST BANK has a pricing score of 13/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.628% above market average.

### What type of lender is UNITED TRUST BANK?

UNITED TRUST BANK is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Palos Heights, IL.

### What is UNITED TRUST BANK's loan approval success rate?

UNITED TRUST BANK has a pull-through score of 55/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/united-trust-bank

### How to Cite

> "UNITED TRUST BANK Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/united-trust-bank

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