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UNITED TRUST BANK
Bank|Palos Heights, IL|Near-National
Loans Originated
226
Applications
270
Volume
$77 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.628%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,896
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
83.7%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
UNITED TRUST BANK performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
FHA | Acceptable | Near industry average | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 2 metro areas · 39 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$341,593
Average Borrower Income
$99,288
Average Property Value
$456,283
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Acceptable | Acceptable | Sound | 61 | 27.0% | +0.542% | $3,135 |
FHA Loans | Acceptable | Acceptable | N/A | Sound | 22 | 9.7% | +0.720% | $3,946 |
VA Loans | Strong | Strong | N/A | Exceptional | 132 | 58.4% | +0.830% | $6,290 |
Jumbo Loans | Strong | Strong | N/A | N/A | 11 | 4.9% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | Acceptable | Sound | 69 | 30.5% | +0.614% | $3,097 |
Refinance | Sound | Sound | N/A | Sound | 157 | 69.5% | +0.659% | $5,594 |
Geographic Coverage
Metro Areas
1
States Served
39
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDEFLGAIAILINKYLAMAMDMEMIMNMOMSMTNCNDNHNVNYOHOKORPARITNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Atlanta, GAMSA
Volume: 18Mix: 7.96%
Place Specialization
Sound
Top States by Place Specialization Score
1
GAState
Volume: 32Mix: 14.16%
Place Specialization
Sound
2
OHState
Volume: 31Mix: 13.72%
Place Specialization
Sound
3
PAState
Volume: 16Mix: 7.08%
Place Specialization
Sound
4
ILState
Volume: 13Mix: 5.75%
Place Specialization
Sound
5
FLState
Volume: 17Mix: 7.52%
Place Specialization
Sound
6
INState
Volume: 10Mix: 4.42%
Place Specialization
Sound
7
VAState
Volume: 10Mix: 4.42%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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