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 score and performance metrics.

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 an overall pricing score of 13.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is United Trust Bank?

United Trust Bank is a Bank headquartered in Palos Heights, IL.

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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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

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

1/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

61 loans · 0.54% above market

Acceptable

Bottom 40% of lenders

2/5

FHA

22 loans · 0.72% above market

Acceptable

Bottom 40% of lenders

2/5

132 loans · 0.83% above market

Strong

Top 40% of lenders

4/5

Jumbo

11 loans

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

69 loans · 0.61% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

157 loans · 0.66% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Near-National · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

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%Above	$3,135Fees
FHA Loans	Sound	Acceptable	—	Sound	22	9.7%	+0.720%Above	$3,946Fees
VA Loans	Strong	Strong	—	Exceptional	132	58.4%	+0.830%Above	$6,290Fees
Jumbo Loans	Strong	Strong	—	—	11	4.9%	—	—

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Sound	69	30.5%	+0.614%Above	$3,097Fees
Refinance	Sound	Sound	—	Sound	157	69.5%	+0.659%Above	$5,594Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

39Full-year 2024 · HMDA

Loans originated

< 1010–2020+None

Northeast7

CTMEMANHNYPARI

Midwest9

IAILINMIMNMONDOHWI

South14

ALARDEFLGAKYLAMDMSNCOKTNTXVA

West9

AKAZCACOMTNVORUTWA

Top Metro Areas by Place Specialization Score

Atlanta, GAMetro

Volume 18Mix 7.96% of portfolio

49/100

Sound

Top States by Place Specialization Score

GeorgiaState

Volume 32Mix 14.16% of portfolio

53/100

Sound

OhioState

Volume 31Mix 13.72% of portfolio

52/100

Sound

PennsylvaniaState

Volume 16Mix 7.08% of portfolio

45/100

Sound

IllinoisState

Volume 13Mix 5.75% of portfolio

43/100

Sound

FloridaState

Volume 17Mix 7.52% of portfolio

42/100

Sound

IndianaState

Volume 10Mix 4.42% of portfolio

40/100

Sound

VirginiaState

Volume 10Mix 4.42% of portfolio

40/100

Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.