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United Trust Bank

Bank•Palos Heights, ILHQ•Direct•Reviews near you on Google

United Trust Bank has 226 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Near-National · 1 mkts

Safe Rate Summary

What They Do Well

  • Particularly strong in VA and Jumbo loans
  • Nationwide availability with consistent service

Things to Think About

  • Rates typically 63 basis points above market average

Explore another lender or local market

Report Card

United Trust Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+62.8 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
FHA
Acceptable
Bottom 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 2 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Acceptable
Pull Through
Sound
Volume61
Mix27.0%
Spread
+0.542%Above
Fees
$3,135Fees
FHA Loans
Overall
Sound
Product
Acceptable
Pricing—
Pull Through
Sound
Volume22
Mix9.7%
Spread
+0.720%Above
Fees
$3,946Fees
VA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Exceptional
Volume132
Mix58.4%
Spread
+0.830%Above
Fees
$6,290Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through—
Volume11
Mix4.9%
Spread—
Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Acceptable
Pull Through
Sound
Volume69
Mix30.5%
Spread
+0.614%Above
Fees
$3,097Fees
Refinance
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume157
Mix69.5%
Spread
+0.659%Above
Fees
$5,594Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
226
Applications
270
Volume
$77 million
Pricing & Closing
Avg Rate Spread
+0.628%
vs. market APOR
Avg Net Fees
$3,896
Origination − Credits
Pullthrough Rate
83.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$341,593
Avg Borrower Income
$99,288
Avg Property Value
$456,283

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
39
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

39
39 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast7
CTMEMANHNYPARI
Midwest9
IAILINMIMNMONDOHWI
South14
ALARDEFLGAKYLAMDMSNCOKTNTXVA
West9
AKAZCACOMTNVORUTWA

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 18Mix 7.96% of portfolio
49/100
Sound

Top States by Place Specialization Score

Georgia
Georgia
1
GeorgiaState
Volume 32Mix 14.16% of portfolio
53/100
Sound
Ohio
Ohio
2
OhioState
Volume 31Mix 13.72% of portfolio
52/100
Sound
Pennsylvania
Pennsylvania
3
PennsylvaniaState
Volume 16Mix 7.08% of portfolio
45/100
Sound
Illinois
Illinois
4
IllinoisState
Volume 13Mix 5.75% of portfolio
43/100
Sound
Florida
Florida
5
FloridaState
Volume 17Mix 7.52% of portfolio
42/100
Sound
Indiana
Indiana
6
IndianaState
Volume 10Mix 4.42% of portfolio
40/100
Sound
Virginia
Virginia
7
VirginiaState
Volume 10Mix 4.42% of portfolio
40/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.