United Trust Bank Mortgage Lending & HMDA Data, 2024

In 2024, United Trust Bank of Palos Heights, IL reported 291 mortgage applications totaling $97.0 million. The average application was for $333,247, and applicants reported an average income of $96,244. 84% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (28), Chicago-Naperville, IL (16) and Marietta, GA (9) (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 291
Total Mortgage Loan Application Amount $96,975,000
Average Mortgage Loan Application Amount $333,247
Highest Mortgage Loan Application Amount $1,805,000
Average Applicant Income $96,244
Highest Applicant Income $1,743,000

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Act (HMDA) records United Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Fulton, Georgia 17 $ 11,095,000 $ 652,647 $ 127,000
Cook, Illinois 14 $ 3,310,000 $ 236,428 $ 78,000
Wayne, Ohio 13 $ 2,665,000 $ 205,000 $ 87,000
DeKalb, Georgia 7 $ 3,545,000 $ 506,428 $ 58,000
Cobb, Georgia 5 $ 3,715,000 $ 743,000 $ 65,000
El Paso, Texas 5 $ 1,305,000 $ 261,000 $ 395,000
Maricopa, Arizona 4 $ 1,860,000 $ 465,000 $ 119,000
Duval, Florida 4 $ 1,040,000 $ 260,000 $ 70,000
Summit, Ohio 4 $ 970,000 $ 242,500 $ 98,000
Bucks, Pennsylvania 4 $ 1,260,000 $ 315,000 $ 95,000
Knox, Tennessee 4 $ 1,220,000 $ 305,000 $ 93,000
Cherokee, Georgia 3 $ 1,895,000 $ 631,666 $ 24,000
Blair, Pennsylvania 3 $ 845,000 $ 281,666 $ 99,000
Salt Lake, Utah 3 $ 1,475,000 $ 491,666 $ 138,000
Jefferson, Alabama 2 $ 410,000 $ 205,000 $ 52,000
Pima, Arizona 2 $ 790,000 $ 395,000 $ 111,000
Washington, Arkansas 2 $ 550,000 $ 275,000 $ 61,000
Pueblo, Colorado 2 $ 630,000 $ 315,000 $ 124,000
Capitol Planning Region, Connecticut 2 $ 610,000 $ 305,000 $ 76,000
Kent, Delaware 2 $ 670,000 $ 335,000 $ 73,000
Brevard, Florida 2 $ 380,000 $ 190,000 $ 38,000
Broward, Florida 2 $ 580,000 $ 290,000 $ 93,000
Pinellas, Florida 2 $ 510,000 $ 255,000 $ 99,000
Sarasota, Florida 2 $ 830,000 $ 415,000 $ 84,000
Forsyth, Georgia 2 $ 630,000 $ 315,000 $ 120,000
Gwinnett, Georgia 2 $ 910,000 $ 455,000 $ 72,000
Hall, Georgia 2 $ 460,000 $ 230,000 $ 17,000
Adams, Illinois 2 $ 510,000 $ 255,000 $ 80,000
Will, Illinois 2 $ 820,000 $ 410,000 $ 47,000
Lake, Indiana 2 $ 580,000 $ 290,000 $ 59,000
Marion, Indiana 2 $ 320,000 $ 160,000 $ 53,000
Clark, Nevada 2 $ 510,000 $ 255,000 $ 61,000
Brunswick, North Carolina 2 $ 750,000 $ 375,000 $ 14,000
Cumberland, North Carolina 2 $ 340,000 $ 170,000 $ 77,000
Ashland, Ohio 2 $ 410,000 $ 205,000 $ 76,000
Montgomery, Ohio 2 $ 510,000 $ 255,000 $ 84,000
Delaware, Pennsylvania 2 $ 340,000 $ 170,000 $ 59,000
Lehigh, Pennsylvania 2 $ 1,160,000 $ 580,000 $ 218,000
Providence, Rhode Island 2 $ 780,000 $ 390,000 $ 225,000
Weber, Utah 2 $ 910,000 $ 455,000 $ 113,000
Fairfax, Virginia 2 $ 970,000 $ 485,000 $ 206,000
Hampton, Virginia 2 $ 680,000 $ 340,000 $ 85,000
Richmond City, Virginia 2 $ 310,000 $ 155,000 $ 67,000
Pierce, Washington 2 $ 890,000 $ 445,000 $ 122,000
Calhoun, Alabama 1 $ 205,000 $ 205,000 $ 97,000
Cullman, Alabama 1 $ 135,000 $ 135,000 $ 0
Houston, Alabama 1 $ 175,000 $ 175,000 $ 38,000
Anchorage, Alaska 1 $ 345,000 $ 345,000 $ 426,000
Mohave, Arizona 1 $ 275,000 $ 275,000 $ 66,000
Yuma, Arizona 1 $ 235,000 $ 235,000 $ 55,000
San Diego, California 1 $ 905,000 $ 905,000 $ 166,000
Stanislaus, California 1 $ 405,000 $ 405,000 $ 107,000
Adams, Colorado 1 $ 285,000 $ 285,000 $ 54,000
Boulder, Colorado 1 $ 305,000 $ 305,000 $ 18,000
Delta, Colorado 1 $ 185,000 $ 185,000 $ 36,000
New Castle, Delaware 1 $ 425,000 $ 425,000 $ 62,000
Bay, Florida 1 $ 235,000 $ 235,000 $ 55,000
Citrus, Florida 1 $ 255,000 $ 255,000 $ 68,000
Clay, Florida 1 $ 435,000 $ 435,000 $ 125,000
Escambia, Florida 1 $ 225,000 $ 225,000 $ 92,000
Hillsborough, Florida 1 $ 305,000 $ 305,000 $ 171,000
Manatee, Florida 1 $ 315,000 $ 315,000 $ 82,000
Okaloosa, Florida 1 $ 415,000 $ 415,000 $ 191,000
Orange, Florida 1 $ 655,000 $ 655,000 $ 188,000
Palm Beach, Florida 1 $ 355,000 $ 355,000 $ 93,000
Polk, Florida 1 $ 335,000 $ 335,000 $ 99,000
Santa Rosa, Florida 1 $ 225,000 $ 225,000 $ 81,000
Volusia, Florida 1 $ 335,000 $ 335,000 $ 56,000
Baldwin, Georgia 1 $ 155,000 $ 155,000 $ 23,000
Chatham, Georgia 1 $ 285,000 $ 285,000 $ 59,000
Chattahoochee, Georgia 1 $ 185,000 $ 185,000 $ 88,000
Columbia, Georgia 1 $ 425,000 $ 425,000 $ 66,000
Lowndes, Georgia 1 $ 185,000 $ 185,000 $ 52,000
Paulding, Georgia 1 $ 485,000 $ 485,000 $ 136,000
Richmond, Georgia 1 $ 155,000 $ 155,000 $ 37,000
Madison, Illinois 1 $ 235,000 $ 235,000 $ 104,000
St. Clair, Illinois 1 $ 235,000 $ 235,000 $ 127,000
Tazewell, Illinois 1 $ 175,000 $ 175,000 $ 52,000
Winnebago, Illinois 1 $ 225,000 $ 225,000 $ 74,000
Allen, Indiana 1 $ 175,000 $ 175,000 $ 71,000
Grant, Indiana 1 $ 155,000 $ 155,000 $ 47,000
Hamilton, Indiana 1 $ 545,000 $ 545,000 $ 201,000
Hendricks, Indiana 1 $ 215,000 $ 215,000 $ 65,000
LaPorte, Indiana 1 $ 125,000 $ 125,000 $ 39,000
Morgan, Indiana 1 $ 255,000 $ 255,000 $ 49,000
Porter, Indiana 1 $ 565,000 $ 565,000 $ 0
Wayne, Indiana 1 $ 555,000 $ 555,000 $ 123,000
Des Moines, Iowa 1 $ 135,000 $ 135,000 $ 46,000
Jasper, Iowa 1 $ 505,000 $ 505,000 $ 264,000
Palo Alto, Iowa 1 $ 135,000 $ 135,000 $ 52,000
Polk, Iowa 1 $ 315,000 $ 315,000 $ 70,000
Warren, Iowa 1 $ 215,000 $ 215,000 $ 85,000
Montgomery, Kentucky 1 $ 245,000 $ 245,000 $ 61,000
St. Tammany, Louisiana 1 $ 145,000 $ 145,000 $ 64,000
Tangipahoa, Louisiana 1 $ 245,000 $ 245,000 $ 42,000
West Baton Rouge, Louisiana 1 $ 155,000 $ 155,000 $ 68,000
Penobscot, Maine 1 $ 305,000 $ 305,000 $ 73,000
York, Maine 1 $ 505,000 $ 505,000 $ 95,000
Prince George's, Maryland 1 $ 325,000 $ 325,000 $ 92,000
Franklin, Massachusetts 1 $ 295,000 $ 295,000 $ 97,000
Worcester, Massachusetts 1 $ 395,000 $ 395,000 $ 172,000
Calhoun, Michigan 1 $ 185,000 $ 185,000 $ 126,000
Kent, Michigan 1 $ 205,000 $ 205,000 $ 40,000
Macomb, Michigan 1 $ 425,000 $ 425,000 $ 102,000
Montcalm, Michigan 1 $ 145,000 $ 145,000 $ 34,000
Oakland, Michigan 1 $ 245,000 $ 245,000 $ 69,000
Anoka, Minnesota 1 $ 275,000 $ 275,000 $ 53,000
Dakota, Minnesota 1 $ 315,000 $ 315,000 $ 108,000
Wright, Minnesota 1 $ 305,000 $ 305,000 $ 87,000
Harrison, Mississippi 1 $ 335,000 $ 335,000 $ 39,000
Jackson, Mississippi 1 $ 245,000 $ 245,000 $ 84,000
Scott, Mississippi 1 $ 145,000 $ 145,000 $ 118,000
Adair, Missouri 1 $ 295,000 $ 295,000 $ 49,000
Cape Girardeau, Missouri 1 $ 225,000 $ 225,000 $ 75,000
Christian, Missouri 1 $ 205,000 $ 205,000 $ 36,000
Greene, Missouri 1 $ 195,000 $ 195,000 $ 50,000
St. Louis, Missouri 1 $ 215,000 $ 215,000 $ 62,000
Sanders, Montana 1 $ 565,000 $ 565,000 $ 111,000
Washoe, Nevada 1 $ 505,000 $ 505,000 $ 83,000
Strafford, New Hampshire 1 $ 365,000 $ 365,000 $ 152,000
Chautauqua, New York 1 $ 175,000 $ 175,000 $ 48,000
Erie, New York 1 $ 145,000 $ 145,000 $ 45,000
Franklin, New York 1 $ 155,000 $ 155,000 $ 122,000
Herkimer, New York 1 $ 195,000 $ 195,000 $ 111,000
Orange, New York 1 $ 255,000 $ 255,000 $ 79,000
Catawba, North Carolina 1 $ 215,000 $ 215,000 $ 100,000
Davidson, North Carolina 1 $ 145,000 $ 145,000 $ 47,000
Durham, North Carolina 1 $ 285,000 $ 285,000 $ 0
Gaston, North Carolina 1 $ 195,000 $ 195,000 $ 0
Harnett, North Carolina 1 $ 235,000 $ 235,000 $ 70,000
Iredell, North Carolina 1 $ 205,000 $ 205,000 $ 42,000
Person, North Carolina 1 $ 315,000 $ 315,000 $ 170,000
Randolph, North Carolina 1 $ 285,000 $ 285,000 $ 47,000
Transylvania, North Carolina 1 $ 255,000 $ 255,000 $ 123,000
Wake, North Carolina 1 $ 365,000 $ 365,000 $ 63,000
Cass, North Dakota 1 $ 265,000 $ 265,000 $ 70,000
Ashtabula, Ohio 1 $ 185,000 $ 185,000 $ 80,000
Carroll, Ohio 1 $ 495,000 $ 495,000 $ 501,000
Franklin, Ohio 1 $ 225,000 $ 225,000 $ 59,000
Guernsey, Ohio 1 $ 145,000 $ 145,000 $ 64,000
Holmes, Ohio 1 $ 355,000 $ 355,000 $ 83,000
Jackson, Ohio 1 $ 185,000 $ 185,000 $ 58,000
Licking, Ohio 1 $ 395,000 $ 395,000 $ 228,000
Medina, Ohio 1 $ 195,000 $ 195,000 $ 39,000
Muskingum, Ohio 1 $ 235,000 $ 235,000 $ 110,000
Richland, Ohio 1 $ 145,000 $ 145,000 $ 76,000
Stark, Ohio 1 $ 365,000 $ 365,000 $ 150,000
Tuscarawas, Ohio 1 $ 115,000 $ 115,000 $ 93,000
Creek, Oklahoma 1 $ 165,000 $ 165,000 $ 65,000
McClain, Oklahoma 1 $ 435,000 $ 435,000 $ 113,000
Murray, Oklahoma 1 $ 165,000 $ 165,000 $ 58,000
Muskogee, Oklahoma 1 $ 195,000 $ 195,000 $ 0
Oklahoma, Oklahoma 1 $ 185,000 $ 185,000 $ 81,000
Sequoyah, Oklahoma 1 $ 375,000 $ 375,000 $ 125,000
Polk, Oregon 1 $ 465,000 $ 465,000 $ 150,000
Yamhill, Oregon 1 $ 225,000 $ 225,000 $ 55,000
Berks, Pennsylvania 1 $ 295,000 $ 295,000 $ 85,000
Butler, Pennsylvania 1 $ 355,000 $ 355,000 $ 189,000
Cambria, Pennsylvania 1 $ 185,000 $ 185,000 $ 82,000
Erie, Pennsylvania 1 $ 115,000 $ 115,000 $ 61,000
Lawrence, Pennsylvania 1 $ 205,000 $ 205,000 $ 47,000
Lebanon, Pennsylvania 1 $ 195,000 $ 195,000 $ 93,000
Monroe, Pennsylvania 1 $ 325,000 $ 325,000 $ 117,000
Florence, South Carolina 1 $ 335,000 $ 335,000 $ 77,000
Davidson, Tennessee 1 $ 905,000 $ 905,000 $ 33,000
Greene, Tennessee 1 $ 155,000 $ 155,000 $ 89,000
Maury, Tennessee 1 $ 1,805,000 $ 1,805,000 $ 105,000
Tipton, Tennessee 1 $ 245,000 $ 245,000 $ 98,000
Williamson, Tennessee 1 $ 305,000 $ 305,000 $ 59,000
Wilson, Tennessee 1 $ 235,000 $ 235,000 $ 48,000
Fort Bend, Texas 1 $ 245,000 $ 245,000 $ 88,000
Washington, Utah 1 $ 465,000 $ 465,000 $ 96,000
Chesapeake, Virginia 1 $ 235,000 $ 235,000 $ 50,000
Colonial Heights, Virginia 1 $ 305,000 $ 305,000 $ 159,000
Gloucester, Virginia 1 $ 445,000 $ 445,000 $ 136,000
Lee, Virginia 1 $ 185,000 $ 185,000 $ 59,000
Newport News, Virginia 1 $ 365,000 $ 365,000 $ 138,000
Norfolk, Virginia 1 $ 185,000 $ 185,000 $ 43,000
Thurston, Washington 1 $ 335,000 $ 335,000 $ 71,000
Eau Claire, Wisconsin 1 $ 215,000 $ 215,000 $ 61,000
Racine, Wisconsin 1 $ 355,000 $ 355,000 $ 62,000
Rock, Wisconsin 1 $ 335,000 $ 335,000 $ 63,000
St. Croix, Wisconsin 1 $ 485,000 $ 485,000 $ 157,000
Winnebago, Wisconsin 1 $ 245,000 $ 245,000 $ 84,000
Wood, Wisconsin 1 $ 405,000 $ 405,000 $ 148,000

Mortgage Loan Application Detail Totals for United Trust Bank in 2024

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
Refinancing 203 $58,745,000 $289,000 $905,000 $93,000 $426,000
Home Purchase 76 $35,150,000 $462,000 $1,805,000 $109,000 $1,743,000
Cash-out Refinancing 11 $2,575,000 $234,000 $445,000 $68,000 $136,000
Home Improvement 1 $505,000 $505,000 $505,000 $0 $0
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 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 188 $64,500,000 $343,000 $1,805,000 $89,000 $501,000
Black or African American 47 $13,265,000 $282,000 $655,000 $77,000 $188,000
Hispanic 26 $9,350,000 $359,000 $995,000 $186,000 $1,743,000
Not Provided 20 $5,890,000 $294,000 $565,000 $81,000 $199,000
Asian 5 $2,435,000 $487,000 $875,000 $124,000 $426,000
American Indian or Alaskan Native 3 $625,000 $208,000 $235,000 $57,000 $70,000
Not applicable 2 $910,000 $455,000 $505,000 $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) 169 $50,765,000 $300,000 $905,000 $92,000 $426,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 90 $37,850,000 $420,000 $1,805,000 $109,000 $1,743,000
FHA-insured (Federal Housing Administration) 32 $8,360,000 $261,000 $465,000 $86,000 $252,000
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 243 $81,435,000 $335,000 $1,805,000 $100,000 $1,743,000
Application Denied By Financial Institution 38 $11,180,000 $294,000 $565,000 $80,000 $148,000
Application Withdrawn By Applicant 9 $3,925,000 $436,000 $1,505,000 $50,000 $117,000
Application Approved But Not Accepted 1 $435,000 $435,000 $435,000 $113,000 $113,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 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 253 $85,795,000 $339,000 $1,805,000 $99,000 $1,743,000
Collateral 20 $6,000,000 $300,000 $505,000 $79,000 $136,000
Credit Application Incomplete 10 $2,850,000 $285,000 $565,000 $70,000 $128,000
Debt-To-Income Ratio 6 $1,990,000 $331,000 $555,000 $100,000 $148,000
Other 2 $340,000 $170,000 $275,000 $107,000 $107,000
Unverifiable Information 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into United Trust Bank's 2024 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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