United Trust Bank Mortgage Lending & HMDA Data, 2025

In 2025, United Trust Bank of Palos Heights, IL reported 1,264 mortgage applications totaling $379.8 million, up 334% from 2024. The average application was for $300,450, and applicants reported an average income of $105,173. 79% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (92), Marietta, GA (26) and Altoona, PA (21) (applications in parentheses).

Mortgage Company & Address United Trust Bank
12330 S. Harlem Avenue
Palos Heights, IL 60463
Federal Regulator * available with data download
Years 2025  2024  
Total Number of Mortgage Applications 1,264
Total Mortgage Loan Application Amount $379,770,000
Average Mortgage Loan Application Amount $300,450
Highest Mortgage Loan Application Amount $1,875,000
Average Applicant Income $105,173
Highest Applicant Income $859,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for United Trust Bank by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Fulton, Georgia 45 $ 34,275,000 $ 761,666 $ 317,000
Wayne, Ohio 41 $ 9,275,000 $ 226,219 $ 89,000
DeKalb, Georgia 25 $ 14,245,000 $ 569,800 $ 260,000
Cobb, Georgia 22 $ 11,650,000 $ 529,545 $ 207,000
Blair, Pennsylvania 21 $ 4,005,000 $ 190,714 $ 78,000
El Paso, Texas 21 $ 3,515,000 $ 167,380 $ 89,000
Cook, Illinois 18 $ 5,140,000 $ 285,555 $ 127,000
Marion, Indiana 14 $ 3,070,000 $ 219,285 $ 69,000
Stark, Ohio 11 $ 2,175,000 $ 197,727 $ 97,000
Montgomery, Pennsylvania 11 $ 3,695,000 $ 335,909 $ 151,000
Maricopa, Arizona 10 $ 4,260,000 $ 426,000 $ 113,000
Jackson, Missouri 10 $ 2,340,000 $ 234,000 $ 87,000
Clark, Nevada 10 $ 4,080,000 $ 408,000 $ 112,000
Brevard, Florida 9 $ 3,175,000 $ 352,777 $ 102,000
Yavapai, Arizona 8 $ 2,240,000 $ 280,000 $ 105,000
Erie, New York 8 $ 2,130,000 $ 266,250 $ 86,000
Cumberland, North Carolina 8 $ 1,840,000 $ 230,000 $ 68,000
Ashland, Ohio 8 $ 1,190,000 $ 148,750 $ 70,000
Bucks, Pennsylvania 8 $ 2,250,000 $ 281,250 $ 98,000
Gwinnett, Georgia 7 $ 3,045,000 $ 435,000 $ 173,000
Lorain, Ohio 7 $ 1,465,000 $ 209,285 $ 81,000
Lake, Illinois 6 $ 1,480,000 $ 246,666 $ 98,000
St. Clair, Illinois 6 $ 1,510,000 $ 251,666 $ 115,000
Hampden, Massachusetts 6 $ 1,430,000 $ 238,333 $ 62,000
Lucas, Ohio 6 $ 1,220,000 $ 203,333 $ 90,000
Knox, Tennessee 6 $ 1,510,000 $ 251,666 $ 72,000
Virginia Beach, Virginia 6 $ 2,590,000 $ 431,666 $ 151,000
Mobile, Alabama 5 $ 1,055,000 $ 211,000 $ 72,000
Mohave, Arizona 5 $ 1,285,000 $ 257,000 $ 63,000
Capitol Planning Region, Connecticut 5 $ 1,595,000 $ 319,000 $ 98,000
New Castle, Delaware 5 $ 1,805,000 $ 361,000 $ 85,000
Clay, Florida 5 $ 1,645,000 $ 329,000 $ 101,000
Escambia, Florida 5 $ 1,725,000 $ 345,000 $ 101,000
Hillsborough, Florida 5 $ 1,585,000 $ 317,000 $ 63,000
Marion, Florida 5 $ 1,325,000 $ 265,000 $ 96,000
Santa Rosa, Florida 5 $ 1,875,000 $ 375,000 $ 106,000
Volusia, Florida 5 $ 2,235,000 $ 447,000 $ 125,000
Lake, Indiana 5 $ 1,085,000 $ 217,000 $ 50,000
Jefferson, Kentucky 5 $ 985,000 $ 197,000 $ 56,000
Prince George's, Maryland 5 $ 3,235,000 $ 647,000 $ 148,000
Genesee, Michigan 5 $ 955,000 $ 191,000 $ 64,000
DeSoto, Mississippi 5 $ 1,085,000 $ 217,000 $ 62,000
Greene, Missouri 5 $ 1,095,000 $ 219,000 $ 76,000
Cuyahoga, Ohio 5 $ 835,000 $ 167,000 $ 75,000
Franklin, Ohio 5 $ 1,405,000 $ 281,000 $ 104,000
Dauphin, Pennsylvania 5 $ 895,000 $ 179,000 $ 82,000
Montgomery, Tennessee 5 $ 1,605,000 $ 321,000 $ 94,000
Shelby, Tennessee 5 $ 955,000 $ 191,000 $ 69,000
Sullivan, Tennessee 5 $ 935,000 $ 187,000 $ 58,000
Tuscaloosa, Alabama 4 $ 930,000 $ 232,500 $ 52,000
Pima, Arizona 4 $ 1,250,000 $ 312,500 $ 128,000
Lonoke, Arkansas 4 $ 680,000 $ 170,000 $ 59,000
Pulaski, Arkansas 4 $ 1,310,000 $ 327,500 $ 82,000
El Paso, Colorado 4 $ 1,660,000 $ 415,000 $ 101,000
Pueblo, Colorado 4 $ 820,000 $ 205,000 $ 58,000
Naugatuck Valley Planning Region, Connecticut 4 $ 760,000 $ 190,000 $ 64,000
Bay, Florida 4 $ 1,300,000 $ 325,000 $ 130,000
Lake, Florida 4 $ 1,340,000 $ 335,000 $ 73,000
Madison, Illinois 4 $ 910,000 $ 227,500 $ 64,000
Cape Girardeau, Missouri 4 $ 1,280,000 $ 320,000 $ 110,000
St. Louis, Missouri 4 $ 790,000 $ 197,500 $ 64,000
Monroe, New York 4 $ 850,000 $ 212,500 $ 48,000
Forsyth, North Carolina 4 $ 850,000 $ 212,500 $ 71,000
Trumbull, Ohio 4 $ 750,000 $ 187,500 $ 79,000
Canadian, Oklahoma 4 $ 1,130,000 $ 282,500 $ 101,000
Oklahoma, Oklahoma 4 $ 980,000 $ 245,000 $ 128,000
Allegheny, Pennsylvania 4 $ 640,000 $ 160,000 $ 51,000
Delaware, Pennsylvania 4 $ 790,000 $ 197,500 $ 61,000
Washington, Pennsylvania 4 $ 1,090,000 $ 272,500 $ 102,000
Kent, Rhode Island 4 $ 1,490,000 $ 372,500 $ 78,000
Spotsylvania, Virginia 4 $ 1,670,000 $ 417,500 $ 105,000
Pierce, Washington 4 $ 2,230,000 $ 557,500 $ 134,000
Baldwin, Alabama 3 $ 995,000 $ 331,666 $ 61,000
Anchorage, Alaska 3 $ 845,000 $ 281,666 $ 83,000
Pinal, Arizona 3 $ 805,000 $ 268,333 $ 64,000
Kent, Delaware 3 $ 805,000 $ 268,333 $ 64,000
Alachua, Florida 3 $ 675,000 $ 225,000 $ 67,000
Hernando, Florida 3 $ 1,085,000 $ 361,666 $ 88,000
Palm Beach, Florida 3 $ 1,205,000 $ 401,666 $ 104,000
Polk, Florida 3 $ 955,000 $ 318,333 $ 77,000
Sarasota, Florida 3 $ 675,000 $ 225,000 $ 58,000
Chatham, Georgia 3 $ 855,000 $ 285,000 $ 69,000
Coweta, Georgia 3 $ 1,035,000 $ 345,000 $ 89,000
Houston, Georgia 3 $ 775,000 $ 258,333 $ 103,000
Walker, Georgia 3 $ 695,000 $ 231,666 $ 65,000
Walton, Georgia 3 $ 1,235,000 $ 411,666 $ 79,000
Champaign, Illinois 3 $ 895,000 $ 298,333 $ 94,000
Bartholomew, Indiana 3 $ 485,000 $ 161,666 $ 52,000
St. Joseph, Indiana 3 $ 715,000 $ 238,333 $ 52,000
Warrick, Indiana 3 $ 585,000 $ 195,000 $ 92,000
Wayne, Indiana 3 $ 565,000 $ 188,333 $ 73,000
Linn, Iowa 3 $ 645,000 $ 215,000 $ 75,000
Polk, Iowa 3 $ 685,000 $ 228,333 $ 80,000
Caddo, Louisiana 3 $ 705,000 $ 235,000 $ 79,000
St. Tammany, Louisiana 3 $ 595,000 $ 198,333 $ 112,000
Anne Arundel, Maryland 3 $ 915,000 $ 305,000 $ 116,000
Montgomery, Maryland 3 $ 1,065,000 $ 355,000 $ 88,000
Montcalm, Michigan 3 $ 465,000 $ 155,000 $ 58,000
Harrison, Mississippi 3 $ 595,000 $ 198,333 $ 79,000
St. Charles, Missouri 3 $ 835,000 $ 278,333 $ 107,000
Gloucester, New Jersey 3 $ 965,000 $ 321,666 $ 337,000
Alamance, North Carolina 3 $ 605,000 $ 201,666 $ 51,000
Davidson, North Carolina 3 $ 955,000 $ 318,333 $ 134,000
Iredell, North Carolina 3 $ 735,000 $ 245,000 $ 59,000
Mecklenburg, North Carolina 3 $ 735,000 $ 245,000 $ 88,000
Pitt, North Carolina 3 $ 1,025,000 $ 341,666 $ 118,000
Randolph, North Carolina 3 $ 575,000 $ 191,666 $ 38,000
Greene, Ohio 3 $ 765,000 $ 255,000 $ 79,000
Hamilton, Ohio 3 $ 905,000 $ 301,666 $ 122,000
Summit, Ohio 3 $ 625,000 $ 208,333 $ 68,000
Tulsa, Oklahoma 3 $ 1,005,000 $ 335,000 $ 116,000
Cambria, Pennsylvania 3 $ 555,000 $ 185,000 $ 92,000
Lehigh, Pennsylvania 3 $ 695,000 $ 231,666 $ 64,000
Somerset, Pennsylvania 3 $ 555,000 $ 185,000 $ 84,000
York, Pennsylvania 3 $ 965,000 $ 321,666 $ 108,000
Hamilton, Tennessee 3 $ 675,000 $ 225,000 $ 63,000
Sumner, Tennessee 3 $ 1,375,000 $ 458,333 $ 95,000
Salt Lake, Utah 3 $ 1,405,000 $ 468,333 $ 70,000
Washington, Utah 3 $ 1,215,000 $ 405,000 $ 72,000
Weber, Utah 3 $ 1,055,000 $ 351,666 $ 91,000
Chesterfield, Virginia 3 $ 985,000 $ 328,333 $ 100,000
Tazewell, Virginia 3 $ 445,000 $ 148,333 $ 57,000
Berkeley, West Virginia 3 $ 795,000 $ 265,000 $ 64,000
Brown, Wisconsin 3 $ 745,000 $ 248,333 $ 62,000
Sheboygan, Wisconsin 3 $ 565,000 $ 188,333 $ 120,000
Cullman, Alabama 2 $ 560,000 $ 280,000 $ 63,000
Jefferson, Alabama 2 $ 710,000 $ 355,000 $ 79,000
Montgomery, Alabama 2 $ 590,000 $ 295,000 $ 97,000
San Diego, California 2 $ 1,130,000 $ 565,000 $ 91,000
Ventura, California 2 $ 1,640,000 $ 820,000 $ 169,000
Alamosa, Colorado 2 $ 1,120,000 $ 560,000 $ 96,000
Arapahoe, Colorado 2 $ 650,000 $ 325,000 $ 34,000
Northwest Hills Planning Region, Connecticut 2 $ 840,000 $ 420,000 $ 151,000
Southeastern Connecticut Planning Region, Connecticut 2 $ 540,000 $ 270,000 $ 78,000
Charlotte, Florida 2 $ 880,000 $ 440,000 $ 105,000
Duval, Florida 2 $ 460,000 $ 230,000 $ 55,000
Leon, Florida 2 $ 310,000 $ 155,000 $ 74,000
Manatee, Florida 2 $ 1,140,000 $ 570,000 $ 443,000
Orange, Florida 2 $ 820,000 $ 410,000 $ 115,000
St. Lucie, Florida 2 $ 910,000 $ 455,000 $ 99,000
Sumter, Florida 2 $ 1,000,000 $ 500,000 $ 146,000
Cherokee, Georgia 2 $ 450,000 $ 225,000 $ 247,000
Clarke, Georgia 2 $ 840,000 $ 420,000 $ 83,000
Clayton, Georgia 2 $ 420,000 $ 210,000 $ 85,000
Forsyth, Georgia 2 $ 1,080,000 $ 540,000 $ 226,000
Greene, Georgia 2 $ 350,000 $ 175,000 $ 210,000
Hall, Georgia 2 $ 940,000 $ 470,000 $ 154,000
Henry, Georgia 2 $ 590,000 $ 295,000 $ 75,000
Paulding, Georgia 2 $ 600,000 $ 300,000 $ 83,000
Polk, Georgia 2 $ 410,000 $ 205,000 $ 101,000
Richmond, Georgia 2 $ 450,000 $ 225,000 $ 75,000
Troup, Georgia 2 $ 530,000 $ 265,000 $ 103,000
Adams, Illinois 2 $ 270,000 $ 135,000 $ 84,000
Winnebago, Illinois 2 $ 600,000 $ 300,000 $ 93,000
Clark, Indiana 2 $ 380,000 $ 190,000 $ 80,000
Daviess, Indiana 2 $ 730,000 $ 365,000 $ 112,000
Dearborn, Indiana 2 $ 630,000 $ 315,000 $ 118,000
Elkhart, Indiana 2 $ 430,000 $ 215,000 $ 62,000
Putnam, Indiana 2 $ 380,000 $ 190,000 $ 42,000
Shelby, Indiana 2 $ 330,000 $ 165,000 $ 79,000
Sullivan, Indiana 2 $ 350,000 $ 175,000 $ 53,000
Vigo, Indiana 2 $ 330,000 $ 165,000 $ 105,000
Pottawattamie, Iowa 2 $ 280,000 $ 140,000 $ 40,000
Scott, Iowa 2 $ 270,000 $ 135,000 $ 67,000
Hardin, Kentucky 2 $ 470,000 $ 235,000 $ 67,000
Pulaski, Kentucky 2 $ 520,000 $ 260,000 $ 72,000
Calcasieu, Louisiana 2 $ 730,000 $ 365,000 $ 89,000
Jefferson, Louisiana 2 $ 460,000 $ 230,000 $ 127,000
Vernon, Louisiana 2 $ 450,000 $ 225,000 $ 81,000
Cumberland, Maine 2 $ 680,000 $ 340,000 $ 115,000
Somerset, Maine 2 $ 390,000 $ 195,000 $ 47,000
Baltimore City, Maryland 2 $ 440,000 $ 220,000 $ 102,000
Wicomico, Maryland 2 $ 440,000 $ 220,000 $ 55,000
Berkshire, Massachusetts 2 $ 380,000 $ 190,000 $ 66,000
Plymouth, Massachusetts 2 $ 820,000 $ 410,000 $ 126,000
Clinton, Michigan 2 $ 460,000 $ 230,000 $ 87,000
Emmet, Michigan 2 $ 400,000 $ 200,000 $ 48,000
Kalamazoo, Michigan 2 $ 320,000 $ 160,000 $ 49,000
Macomb, Michigan 2 $ 780,000 $ 390,000 $ 97,000
Oakland, Michigan 2 $ 500,000 $ 250,000 $ 55,000
Ottawa, Michigan 2 $ 380,000 $ 190,000 $ 82,000
Washtenaw, Michigan 2 $ 600,000 $ 300,000 $ 67,000
Wayne, Michigan 2 $ 460,000 $ 230,000 $ 60,000
Carlton, Minnesota 2 $ 860,000 $ 430,000 $ 104,000
Cass, Minnesota 2 $ 850,000 $ 425,000 $ 90,000
Madison, Mississippi 2 $ 460,000 $ 230,000 $ 98,000
Callaway, Missouri 2 $ 330,000 $ 165,000 $ 55,000
St. Louis City, Missouri 2 $ 390,000 $ 195,000 $ 58,000
Hillsborough, New Hampshire 2 $ 610,000 $ 305,000 $ 94,000
Merrimack, New Hampshire 2 $ 400,000 $ 200,000 $ 81,000
Albany, New York 2 $ 670,000 $ 335,000 $ 96,000
Onondaga, New York 2 $ 310,000 $ 155,000 $ 0
Queens, New York 2 $ 1,270,000 $ 635,000 $ 157,000
Wyoming, New York 2 $ 260,000 $ 130,000 $ 33,000
Gaston, North Carolina 2 $ 710,000 $ 355,000 $ 112,000
Guilford, North Carolina 2 $ 580,000 $ 290,000 $ 49,000
Harnett, North Carolina 2 $ 590,000 $ 295,000 $ 94,000
Lincoln, North Carolina 2 $ 650,000 $ 325,000 $ 106,000
Nash, North Carolina 2 $ 520,000 $ 260,000 $ 60,000
Orange, North Carolina 2 $ 640,000 $ 320,000 $ 100,000
Sampson, North Carolina 2 $ 500,000 $ 250,000 $ 85,000
Wake, North Carolina 2 $ 610,000 $ 305,000 $ 84,000
Allen, Ohio 2 $ 610,000 $ 305,000 $ 138,000
Butler, Ohio 2 $ 330,000 $ 165,000 $ 62,000
Champaign, Ohio 2 $ 480,000 $ 240,000 $ 79,000
Delaware, Ohio 2 $ 450,000 $ 225,000 $ 64,000
Fulton, Ohio 2 $ 470,000 $ 235,000 $ 50,000
Lake, Ohio 2 $ 870,000 $ 435,000 $ 108,000
Marion, Ohio 2 $ 310,000 $ 155,000 $ 54,000
Medina, Ohio 2 $ 540,000 $ 270,000 $ 129,000
Ottawa, Ohio 2 $ 590,000 $ 295,000 $ 103,000
Richland, Ohio 2 $ 260,000 $ 130,000 $ 37,000
Warren, Ohio 2 $ 1,020,000 $ 510,000 $ 158,000
Grady, Oklahoma 2 $ 460,000 $ 230,000 $ 77,000
Lane, Oregon 2 $ 580,000 $ 290,000 $ 45,000
Berks, Pennsylvania 2 $ 390,000 $ 195,000 $ 67,000
Clearfield, Pennsylvania 2 $ 360,000 $ 180,000 $ 69,000
Lackawanna, Pennsylvania 2 $ 570,000 $ 285,000 $ 98,000
Mercer, Pennsylvania 2 $ 510,000 $ 255,000 $ 82,000
Monroe, Pennsylvania 2 $ 590,000 $ 295,000 $ 184,000
Schuylkill, Pennsylvania 2 $ 360,000 $ 180,000 $ 62,000
Providence, Rhode Island 2 $ 670,000 $ 335,000 $ 65,000
Anderson, Tennessee 2 $ 410,000 $ 205,000 $ 57,000
Cumberland, Tennessee 2 $ 210,000 $ 105,000 $ 24,000
Davidson, Tennessee 2 $ 580,000 $ 290,000 $ 89,000
Hamblen, Tennessee 2 $ 480,000 $ 240,000 $ 89,000
Haywood, Tennessee 2 $ 330,000 $ 165,000 $ 42,000
Monroe, Tennessee 2 $ 370,000 $ 185,000 $ 67,000
Rutherford, Tennessee 2 $ 580,000 $ 290,000 $ 64,000
Tipton, Tennessee 2 $ 420,000 $ 210,000 $ 126,000
Denton, Texas 2 $ 1,530,000 $ 765,000 $ 227,000
Tooele, Utah 2 $ 940,000 $ 470,000 $ 86,000
Chesapeake, Virginia 2 $ 530,000 $ 265,000 $ 93,000
Hampton, Virginia 2 $ 540,000 $ 270,000 $ 67,000
Henrico, Virginia 2 $ 590,000 $ 295,000 $ 83,000
Smyth, Virginia 2 $ 320,000 $ 160,000 $ 57,000
Spokane, Washington 2 $ 360,000 $ 180,000 $ 43,000
Harrison, West Virginia 2 $ 500,000 $ 250,000 $ 122,000
Marion, West Virginia 2 $ 540,000 $ 270,000 $ 77,000
Putnam, West Virginia 2 $ 550,000 $ 275,000 $ 53,000
Douglas, Wisconsin 2 $ 550,000 $ 275,000 $ 89,000
Milwaukee, Wisconsin 2 $ 290,000 $ 145,000 $ 65,000
Rock, Wisconsin 2 $ 660,000 $ 330,000 $ 100,000
Winnebago, Wisconsin 2 $ 440,000 $ 220,000 $ 52,000
Campbell, Wyoming 2 $ 350,000 $ 175,000 $ 33,000
Natrona, Wyoming 2 $ 590,000 $ 295,000 $ 77,000
Autauga, Alabama 1 $ 315,000 $ 315,000 $ 77,000
Chambers, Alabama 1 $ 195,000 $ 195,000 $ 78,000
Cherokee, Alabama 1 $ 275,000 $ 275,000 $ 60,000
Coffee, Alabama 1 $ 175,000 $ 175,000 $ 50,000
Colbert, Alabama 1 $ 295,000 $ 295,000 $ 58,000
Dale, Alabama 1 $ 215,000 $ 215,000 $ 116,000
Houston, Alabama 1 $ 215,000 $ 215,000 $ 56,000
Limestone, Alabama 1 $ 385,000 $ 385,000 $ 225,000
Madison, Alabama 1 $ 195,000 $ 195,000 $ 113,000
Marshall, Alabama 1 $ 195,000 $ 195,000 $ 102,000
Morgan, Alabama 1 $ 215,000 $ 215,000 $ 160,000
Arkansas, Arkansas 1 $ 265,000 $ 265,000 $ 118,000
Crawford, Arkansas 1 $ 195,000 $ 195,000 $ 71,000
Faulkner, Arkansas 1 $ 265,000 $ 265,000 $ 76,000
Grant, Arkansas 1 $ 405,000 $ 405,000 $ 127,000
Greene, Arkansas 1 $ 175,000 $ 175,000 $ 37,000
Sebastian, Arkansas 1 $ 215,000 $ 215,000 $ 94,000
Riverside, California 1 $ 475,000 $ 475,000 $ 110,000
Boulder, Colorado 1 $ 555,000 $ 555,000 $ 104,000
Mesa, Colorado 1 $ 485,000 $ 485,000 $ 64,000
Greater Bridgeport Planning Region, Connecticut 1 $ 555,000 $ 555,000 $ 147,000
Lower Connecticut River Valley Planning Region, Connecticut 1 $ 435,000 $ 435,000 $ 205,000
Sussex, Delaware 1 $ 185,000 $ 185,000 $ 124,000
Broward, Florida 1 $ 515,000 $ 515,000 $ 98,000
Citrus, Florida 1 $ 425,000 $ 425,000 $ 72,000
Flagler, Florida 1 $ 335,000 $ 335,000 $ 0
Highlands, Florida 1 $ 185,000 $ 185,000 $ 42,000
Indian River, Florida 1 $ 275,000 $ 275,000 $ 48,000
Lee, Florida 1 $ 845,000 $ 845,000 $ 331,000
Okaloosa, Florida 1 $ 255,000 $ 255,000 $ 87,000
Osceola, Florida 1 $ 385,000 $ 385,000 $ 72,000
Pasco, Florida 1 $ 175,000 $ 175,000 $ 45,000
Pinellas, Florida 1 $ 125,000 $ 125,000 $ 62,000
Seminole, Florida 1 $ 115,000 $ 115,000 $ 57,000
Walton, Florida 1 $ 555,000 $ 555,000 $ 87,000
Bibb, Georgia 1 $ 185,000 $ 185,000 $ 42,000
Camden, Georgia 1 $ 235,000 $ 235,000 $ 50,000
Catoosa, Georgia 1 $ 305,000 $ 305,000 $ 156,000
Columbia, Georgia 1 $ 495,000 $ 495,000 $ 175,000
Dougherty, Georgia 1 $ 95,000 $ 95,000 $ 87,000
Fayette, Georgia 1 $ 215,000 $ 215,000 $ 73,000
Glynn, Georgia 1 $ 305,000 $ 305,000 $ 210,000
Gordon, Georgia 1 $ 185,000 $ 185,000 $ 41,000
Grady, Georgia 1 $ 225,000 $ 225,000 $ 104,000
Harris, Georgia 1 $ 285,000 $ 285,000 $ 91,000
Jackson, Georgia 1 $ 435,000 $ 435,000 $ 91,000
Jones, Georgia 1 $ 235,000 $ 235,000 $ 58,000
Laurens, Georgia 1 $ 195,000 $ 195,000 $ 53,000
Liberty, Georgia 1 $ 275,000 $ 275,000 $ 83,000
Lowndes, Georgia 1 $ 245,000 $ 245,000 $ 62,000
Madison, Georgia 1 $ 295,000 $ 295,000 $ 75,000
Marion, Georgia 1 $ 55,000 $ 55,000 $ 114,000
Meriwether, Georgia 1 $ 105,000 $ 105,000 $ 36,000
Monroe, Georgia 1 $ 205,000 $ 205,000 $ 300,000
Muscogee, Georgia 1 $ 175,000 $ 175,000 $ 68,000
Oconee, Georgia 1 $ 385,000 $ 385,000 $ 131,000
Peach, Georgia 1 $ 315,000 $ 315,000 $ 72,000
Putnam, Georgia 1 $ 195,000 $ 195,000 $ 66,000
Spalding, Georgia 1 $ 125,000 $ 125,000 $ 36,000
Stephens, Georgia 1 $ 315,000 $ 315,000 $ 505,000
Tattnall, Georgia 1 $ 145,000 $ 145,000 $ 49,000
Ada, Idaho 1 $ 775,000 $ 775,000 $ 179,000
Kootenai, Idaho 1 $ 395,000 $ 395,000 $ 104,000
Crawford, Illinois 1 $ 125,000 $ 125,000 $ 64,000
DuPage, Illinois 1 $ 255,000 $ 255,000 $ 104,000
Effingham, Illinois 1 $ 75,000 $ 75,000 $ 28,000
Jefferson, Illinois 1 $ 205,000 $ 205,000 $ 73,000
Kane, Illinois 1 $ 455,000 $ 455,000 $ 202,000
Kankakee, Illinois 1 $ 255,000 $ 255,000 $ 74,000
Logan, Illinois 1 $ 195,000 $ 195,000 $ 112,000
McHenry, Illinois 1 $ 315,000 $ 315,000 $ 221,000
McLean, Illinois 1 $ 215,000 $ 215,000 $ 73,000
Peoria, Illinois 1 $ 205,000 $ 205,000 $ 143,000
Sangamon, Illinois 1 $ 215,000 $ 215,000 $ 80,000
Will, Illinois 1 $ 235,000 $ 235,000 $ 147,000
Williamson, Illinois 1 $ 205,000 $ 205,000 $ 73,000
Allen, Indiana 1 $ 165,000 $ 165,000 $ 49,000
Benton, Indiana 1 $ 135,000 $ 135,000 $ 67,000
Blackford, Indiana 1 $ 125,000 $ 125,000 $ 90,000
Boone, Indiana 1 $ 235,000 $ 235,000 $ 100,000
Cass, Indiana 1 $ 165,000 $ 165,000 $ 60,000
Clinton, Indiana 1 $ 255,000 $ 255,000 $ 77,000
Hendricks, Indiana 1 $ 255,000 $ 255,000 $ 76,000
Jackson, Indiana 1 $ 205,000 $ 205,000 $ 175,000
Knox, Indiana 1 $ 155,000 $ 155,000 $ 47,000
Morgan, Indiana 1 $ 185,000 $ 185,000 $ 52,000
Noble, Indiana 1 $ 215,000 $ 215,000 $ 113,000
Perry, Indiana 1 $ 145,000 $ 145,000 $ 43,000
Vanderburgh, Indiana 1 $ 305,000 $ 305,000 $ 131,000
Buchanan, Iowa 1 $ 275,000 $ 275,000 $ 59,000
Dickinson, Iowa 1 $ 265,000 $ 265,000 $ 54,000
Jackson, Iowa 1 $ 205,000 $ 205,000 $ 114,000
Jasper, Iowa 1 $ 185,000 $ 185,000 $ 109,000
Madison, Iowa 1 $ 295,000 $ 295,000 $ 101,000
Marion, Iowa 1 $ 285,000 $ 285,000 $ 49,000
Sioux, Iowa 1 $ 115,000 $ 115,000 $ 27,000
Boyd, Kentucky 1 $ 145,000 $ 145,000 $ 46,000
Bullitt, Kentucky 1 $ 375,000 $ 375,000 $ 152,000
Campbell, Kentucky 1 $ 295,000 $ 295,000 $ 80,000
Daviess, Kentucky 1 $ 745,000 $ 745,000 $ 423,000
Kenton, Kentucky 1 $ 205,000 $ 205,000 $ 72,000
Laurel, Kentucky 1 $ 215,000 $ 215,000 $ 67,000
Mercer, Kentucky 1 $ 185,000 $ 185,000 $ 49,000
Nelson, Kentucky 1 $ 205,000 $ 205,000 $ 48,000
Oldham, Kentucky 1 $ 455,000 $ 455,000 $ 107,000
Todd, Kentucky 1 $ 105,000 $ 105,000 $ 31,000
Ascension, Louisiana 1 $ 315,000 $ 315,000 $ 98,000
Beauregard, Louisiana 1 $ 165,000 $ 165,000 $ 87,000
Bossier, Louisiana 1 $ 235,000 $ 235,000 $ 59,000
East Baton Rouge, Louisiana 1 $ 165,000 $ 165,000 $ 47,000
Jefferson Davis, Louisiana 1 $ 175,000 $ 175,000 $ 65,000
Lafourche, Louisiana 1 $ 725,000 $ 725,000 $ 226,000
Natchitoches, Louisiana 1 $ 255,000 $ 255,000 $ 133,000
Orleans, Louisiana 1 $ 185,000 $ 185,000 $ 31,000
Ouachita, Louisiana 1 $ 305,000 $ 305,000 $ 58,000
St. Charles, Louisiana 1 $ 145,000 $ 145,000 $ 43,000
Kennebec, Maine 1 $ 135,000 $ 135,000 $ 25,000
York, Maine 1 $ 175,000 $ 175,000 $ 116,000
Charles, Maryland 1 $ 385,000 $ 385,000 $ 152,000
Harford, Maryland 1 $ 285,000 $ 285,000 $ 192,000
Somerset, Maryland 1 $ 185,000 $ 185,000 $ 58,000
Bristol, Massachusetts 1 $ 395,000 $ 395,000 $ 113,000
Franklin, Massachusetts 1 $ 425,000 $ 425,000 $ 133,000
Hampshire, Massachusetts 1 $ 205,000 $ 205,000 $ 55,000
Worcester, Massachusetts 1 $ 765,000 $ 765,000 $ 165,000
Allegan, Michigan 1 $ 145,000 $ 145,000 $ 39,000
Branch, Michigan 1 $ 285,000 $ 285,000 $ 138,000
Calhoun, Michigan 1 $ 195,000 $ 195,000 $ 0
Cass, Michigan 1 $ 155,000 $ 155,000 $ 57,000
Jackson, Michigan 1 $ 155,000 $ 155,000 $ 37,000
Lenawee, Michigan 1 $ 185,000 $ 185,000 $ 69,000
Marquette, Michigan 1 $ 185,000 $ 185,000 $ 54,000
Mason, Michigan 1 $ 135,000 $ 135,000 $ 52,000
Newaygo, Michigan 1 $ 205,000 $ 205,000 $ 140,000
Otsego, Michigan 1 $ 125,000 $ 125,000 $ 36,000
Sanilac, Michigan 1 $ 165,000 $ 165,000 $ 41,000
Anoka, Minnesota 1 $ 205,000 $ 205,000 $ 121,000
Dakota, Minnesota 1 $ 325,000 $ 325,000 $ 0
Dodge, Minnesota 1 $ 175,000 $ 175,000 $ 86,000
Hennepin, Minnesota 1 $ 305,000 $ 305,000 $ 51,000
Olmsted, Minnesota 1 $ 195,000 $ 195,000 $ 60,000
St. Louis, Minnesota 1 $ 625,000 $ 625,000 $ 152,000
Wright, Minnesota 1 $ 225,000 $ 225,000 $ 65,000
Forrest, Mississippi 1 $ 235,000 $ 235,000 $ 74,000
Jackson, Mississippi 1 $ 565,000 $ 565,000 $ 174,000
Lafayette, Mississippi 1 $ 165,000 $ 165,000 $ 39,000
Lauderdale, Mississippi 1 $ 295,000 $ 295,000 $ 115,000
Lowndes, Mississippi 1 $ 125,000 $ 125,000 $ 53,000
Marshall, Mississippi 1 $ 145,000 $ 145,000 $ 63,000
Pearl River, Mississippi 1 $ 155,000 $ 155,000 $ 41,000
Tate, Mississippi 1 $ 235,000 $ 235,000 $ 86,000
Adair, Missouri 1 $ 105,000 $ 105,000 $ 44,000
Audrain, Missouri 1 $ 255,000 $ 255,000 $ 75,000
Buchanan, Missouri 1 $ 215,000 $ 215,000 $ 118,000
Franklin, Missouri 1 $ 145,000 $ 145,000 $ 51,000
Phelps, Missouri 1 $ 115,000 $ 115,000 $ 0
Ravalli, Montana 1 $ 655,000 $ 655,000 $ 140,000
Hall, Nebraska 1 $ 225,000 $ 225,000 $ 67,000
Carson City, Nevada 1 $ 225,000 $ 225,000 $ 56,000
Nye, Nevada 1 $ 375,000 $ 375,000 $ 75,000
Washoe, Nevada 1 $ 205,000 $ 205,000 $ 70,000
Strafford, New Hampshire 1 $ 565,000 $ 565,000 $ 165,000
Atlantic, New Jersey 1 $ 285,000 $ 285,000 $ 90,000
Bergen, New Jersey 1 $ 325,000 $ 325,000 $ 76,000
Burlington, New Jersey 1 $ 365,000 $ 365,000 $ 0
Cape May, New Jersey 1 $ 155,000 $ 155,000 $ 44,000
Mercer, New Jersey 1 $ 345,000 $ 345,000 $ 116,000
Middlesex, New Jersey 1 $ 395,000 $ 395,000 $ 118,000
Monmouth, New Jersey 1 $ 205,000 $ 205,000 $ 67,000
Passaic, New Jersey 1 $ 565,000 $ 565,000 $ 118,000
Warren, New Jersey 1 $ 345,000 $ 345,000 $ 134,000
Curry, New Mexico 1 $ 165,000 $ 165,000 $ 42,000
Luna, New Mexico 1 $ 75,000 $ 75,000 $ 14,000
Sandoval, New Mexico 1 $ 125,000 $ 125,000 $ 31,000
Valencia, New Mexico 1 $ 255,000 $ 255,000 $ 56,000
Broome, New York 1 $ 155,000 $ 155,000 $ 49,000
Chautauqua, New York 1 $ 165,000 $ 165,000 $ 84,000
Cortland, New York 1 $ 175,000 $ 175,000 $ 66,000
Nassau, New York 1 $ 585,000 $ 585,000 $ 117,000
Oneida, New York 1 $ 345,000 $ 345,000 $ 60,000
Orange, New York 1 $ 455,000 $ 455,000 $ 125,000
Otsego, New York 1 $ 205,000 $ 205,000 $ 75,000
St. Lawrence, New York 1 $ 95,000 $ 95,000 $ 50,000
Ulster, New York 1 $ 445,000 $ 445,000 $ 118,000
Brunswick, North Carolina 1 $ 405,000 $ 405,000 $ 90,000
Burke, North Carolina 1 $ 115,000 $ 115,000 $ 21,000
Caldwell, North Carolina 1 $ 165,000 $ 165,000 $ 0
Craven, North Carolina 1 $ 345,000 $ 345,000 $ 77,000
Durham, North Carolina 1 $ 355,000 $ 355,000 $ 92,000
Johnston, North Carolina 1 $ 285,000 $ 285,000 $ 89,000
Lee, North Carolina 1 $ 225,000 $ 225,000 $ 125,000
Lenoir, North Carolina 1 $ 105,000 $ 105,000 $ 55,000
Moore, North Carolina 1 $ 225,000 $ 225,000 $ 49,000
New Hanover, North Carolina 1 $ 215,000 $ 215,000 $ 77,000
Onslow, North Carolina 1 $ 95,000 $ 95,000 $ 43,000
Person, North Carolina 1 $ 325,000 $ 325,000 $ 0
Rowan, North Carolina 1 $ 275,000 $ 275,000 $ 61,000
Stokes, North Carolina 1 $ 165,000 $ 165,000 $ 80,000
Wilson, North Carolina 1 $ 225,000 $ 225,000 $ 75,000
Ashtabula, Ohio 1 $ 225,000 $ 225,000 $ 79,000
Clermont, Ohio 1 $ 205,000 $ 205,000 $ 57,000
Defiance, Ohio 1 $ 255,000 $ 255,000 $ 110,000
Gallia, Ohio 1 $ 145,000 $ 145,000 $ 93,000
Harrison, Ohio 1 $ 145,000 $ 145,000 $ 55,000
Hocking, Ohio 1 $ 285,000 $ 285,000 $ 69,000
Huron, Ohio 1 $ 205,000 $ 205,000 $ 45,000
Jefferson, Ohio 1 $ 225,000 $ 225,000 $ 50,000
Knox, Ohio 1 $ 375,000 $ 375,000 $ 138,000
Lawrence, Ohio 1 $ 115,000 $ 115,000 $ 57,000
Licking, Ohio 1 $ 355,000 $ 355,000 $ 123,000
Logan, Ohio 1 $ 135,000 $ 135,000 $ 67,000
Mercer, Ohio 1 $ 175,000 $ 175,000 $ 57,000
Miami, Ohio 1 $ 105,000 $ 105,000 $ 77,000
Montgomery, Ohio 1 $ 105,000 $ 105,000 $ 53,000
Muskingum, Ohio 1 $ 165,000 $ 165,000 $ 49,000
Portage, Ohio 1 $ 235,000 $ 235,000 $ 87,000
Scioto, Ohio 1 $ 165,000 $ 165,000 $ 89,000
Seneca, Ohio 1 $ 175,000 $ 175,000 $ 80,000
Shelby, Ohio 1 $ 115,000 $ 115,000 $ 27,000
Washington, Ohio 1 $ 175,000 $ 175,000 $ 78,000
Cleveland, Oklahoma 1 $ 165,000 $ 165,000 $ 70,000
Comanche, Oklahoma 1 $ 375,000 $ 375,000 $ 81,000
Creek, Oklahoma 1 $ 175,000 $ 175,000 $ 0
Jackson, Oklahoma 1 $ 165,000 $ 165,000 $ 59,000
Kingfisher, Oklahoma 1 $ 145,000 $ 145,000 $ 46,000
Le Flore, Oklahoma 1 $ 125,000 $ 125,000 $ 67,000
Love, Oklahoma 1 $ 225,000 $ 225,000 $ 69,000
Murray, Oklahoma 1 $ 145,000 $ 145,000 $ 79,000
Payne, Oklahoma 1 $ 145,000 $ 145,000 $ 52,000
Pottawatomie, Oklahoma 1 $ 215,000 $ 215,000 $ 83,000
Washington, Oklahoma 1 $ 185,000 $ 185,000 $ 51,000
Coos, Oregon 1 $ 295,000 $ 295,000 $ 62,000
Jackson, Oregon 1 $ 1,025,000 $ 1,025,000 $ 197,000
Linn, Oregon 1 $ 395,000 $ 395,000 $ 72,000
Washington, Oregon 1 $ 455,000 $ 455,000 $ 73,000
Beaver, Pennsylvania 1 $ 135,000 $ 135,000 $ 102,000
Bedford, Pennsylvania 1 $ 175,000 $ 175,000 $ 40,000
Centre, Pennsylvania 1 $ 285,000 $ 285,000 $ 104,000
Erie, Pennsylvania 1 $ 155,000 $ 155,000 $ 90,000
Juniata, Pennsylvania 1 $ 125,000 $ 125,000 $ 33,000
Lawrence, Pennsylvania 1 $ 265,000 $ 265,000 $ 94,000
Lebanon, Pennsylvania 1 $ 205,000 $ 205,000 $ 0
Luzerne, Pennsylvania 1 $ 175,000 $ 175,000 $ 54,000
Perry, Pennsylvania 1 $ 205,000 $ 205,000 $ 68,000
Philadelphia, Pennsylvania 1 $ 285,000 $ 285,000 $ 87,000
Allendale, South Carolina 1 $ 65,000 $ 65,000 $ 15,000
Charleston, South Carolina 1 $ 305,000 $ 305,000 $ 83,000
Bradley, Tennessee 1 $ 405,000 $ 405,000 $ 91,000
Carter, Tennessee 1 $ 195,000 $ 195,000 $ 88,000
Fentress, Tennessee 1 $ 405,000 $ 405,000 $ 75,000
Hardin, Tennessee 1 $ 125,000 $ 125,000 $ 29,000
Hawkins, Tennessee 1 $ 125,000 $ 125,000 $ 37,000
Henry, Tennessee 1 $ 145,000 $ 145,000 $ 83,000
Jefferson, Tennessee 1 $ 365,000 $ 365,000 $ 75,000
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Mortgage Loan Application Detail Totals for United Trust Bank in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Cash-out Refinancing 963 $266,325,000 $276,000 $1,025,000 $86,000 $483,000
Home Purchase 251 $98,525,000 $392,000 $1,875,000 $171,000 $859,000
Refinancing 50 $14,920,000 $298,000 $775,000 $144,000 $352,000
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 0 $0 $0 $0 $0 $0
Home Improvement 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 825 $249,215,000 $302,000 $1,825,000 $107,000 $859,000
Black or African American 229 $68,315,000 $298,000 $1,025,000 $91,000 $483,000
Not Provided 93 $24,825,000 $266,000 $1,575,000 $96,000 $635,000
Hispanic 87 $25,305,000 $290,000 $865,000 $109,000 $361,000
Asian 16 $7,590,000 $474,000 $1,875,000 $141,000 $753,000
American Indian or Alaskan Native 11 $3,845,000 $349,000 $645,000 $86,000 $161,000
Not applicable 3 $675,000 $225,000 $365,000 $0 $0
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
VA-guaranteed (Veterans Administration) 754 $230,040,000 $305,000 $1,225,000 $90,000 $591,000
FHA-insured (Federal Housing Administration) 269 $56,225,000 $209,000 $705,000 $77,000 $289,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 241 $93,505,000 $387,000 $1,875,000 $178,000 $859,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 998 $299,520,000 $300,000 $1,825,000 $106,000 $859,000
Application Denied By Financial Institution 198 $55,830,000 $281,000 $1,875,000 $85,000 $753,000
Application Withdrawn By Applicant 47 $18,845,000 $400,000 $1,185,000 $163,000 $669,000
Application Approved But Not Accepted 18 $4,900,000 $272,000 $585,000 $91,000 $289,000
Loan Purchased By The Institution 3 $675,000 $225,000 $365,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 1,066 $323,940,000 $303,000 $1,825,000 $108,000 $859,000
Collateral 113 $32,555,000 $288,000 $845,000 $80,000 $259,000
Credit Application Incomplete 35 $8,985,000 $256,000 $795,000 $83,000 $307,000
Credit History 20 $5,070,000 $253,000 $685,000 $95,000 $192,000
Debt-To-Income Ratio 16 $3,940,000 $246,000 $655,000 $57,000 $119,000
Other 5 $1,235,000 $247,000 $345,000 $114,000 $188,000
Unverifiable Information 4 $2,740,000 $685,000 $1,875,000 $271,000 $753,000
Insufficient Cash (Downpayment, Closing Cost) 4 $920,000 $230,000 $435,000 $67,000 $119,000
Employment History 1 $385,000 $385,000 $385,000 $86,000 $86,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into United Trust Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess United Trust Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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