LEI 984500CD6F0743B8F530 · Palos Heights, IL
United Trust Bank
Origination share is high-tercile at 83.5% - more of this lender's applications funded than at most reporters with 100+ apps.
Origination-share tercile vs fleet
United Trust Bank converts 83.5% of applications into originations, above the fleet share tercile (~75.7%). Originated-loan volume is 243.
- n/a
- Below 1,000-app share board
- 83.5%
- Origination share
- 243
- Originated
- 13.1%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
291 reported applications
Where United Trust Bank sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
243 Top 38% higher than 62% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · United Trust Bank
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · United Trust Bank
Lender-reported HMDA denial-reason counts (top reasons shown).
Mid-volume reporter. United Trust Bank's 83.5% origination rate and 13.1% denial rate sit on a mid-tercile originated book (243 funded; fleet band ~78-310). Approval and denial do not sum to 100% - HMDA also records withdrawals, incompletes, and purchased loans. Most-cited denial codes: Collateral, Credit application incomplete, Debt-to-income ratio. Program weight concentrates in VA (169 applications).
How to read United Trust Bank. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · United Trust Bank
United Trust Bank filed most under VA. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| VA | 169 | 139 | 29 | $300,385 |
| Conventional | 90 | 81 | 2 | $420,556 |
| FHA | 32 | 23 | 7 | $261,250 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for United Trust Bank (LEI: 984500CD6F0743B8F530) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Refinancing | 203 | 165 | $289,384 |
| Home Purchase | 76 | 70 | $462,500 |
| Cash-out Refinancing | 11 | 7 | $234,091 |
| Home Improvement | 1 | 1 | $505,000 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 205 | 82.4% | 14.6% |
| Black or African American * | 47 | 85.1% | 14.9% |
| Joint * | 8 | 75.0% | 0.0% |
| Asian * | 4 | 75.0% | 25.0% |
| American Indian or Alaska Native * | 2 | 100.0% | 0.0% |
| 2 or more minority races * | 1 | 100.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 245 | 84.1% | 12.7% |
| Hispanic or Latino * | 23 | 73.9% | 26.1% |
| Joint * | 4 | 75.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Nearby Lenders in IL
Other HMDA-reporting lenders in IL with similar activity. Compare any two side-by-side.
One of 242 other HMDA-reporting lenders in IL, 5 are shown here.
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Read with United Trust Bank
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For United Trust Bank (LEI 984500CD6F0743B8F530), from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024). See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.