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Act (HMDA) records United Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 231 | $ 50,685,000 | $ 219,415 | $ 80,740 |
| Atlanta-Sandy Springs-Roswell, GA | 92 | $ 56,370,000 | $ 612,717 | $ 254,000 |
| Marietta, GA | 26 | $ 12,700,000 | $ 488,461 | $ 201,000 |
| Altoona, PA | 21 | $ 4,005,000 | $ 190,714 | $ 78,000 |
| Chicago-Naperville, IL | 21 | $ 5,945,000 | $ 283,095 | $ 132,000 |
| El Paso, TX | 21 | $ 3,515,000 | $ 167,380 | $ 89,000 |
| St. Louis, MO-IL | 20 | $ 4,580,000 | $ 229,000 | $ 86,500 |
| Indianapolis-Carmel-Anderson, IN | 19 | $ 4,075,000 | $ 214,473 | $ 71,000 |
| Montgomery County-Bucks County-Chester County, PA | 19 | $ 5,945,000 | $ 312,894 | $ 129,000 |
| Cleveland, OH | 17 | $ 3,935,000 | $ 231,470 | $ 88,000 |
| Memphis, TN-MS-AR | 14 | $ 2,840,000 | $ 202,857 | $ 72,500 |
| Phoenix-Mesa-Scottsdale, AZ | 13 | $ 5,065,000 | $ 389,615 | $ 100,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 13 | $ 4,805,000 | $ 369,615 | $ 122,000 |
| Cincinnati, OH-KY-IN | 12 | $ 3,590,000 | $ 299,166 | $ 104,333 |
| Canton-Massillon, OH | 11 | $ 2,175,000 | $ 197,727 | $ 97,000 |
| Charlotte-Concord-Gastonia, NC-SC | 11 | $ 3,105,000 | $ 282,272 | $ 85,000 |
| Oklahoma City, OK | 11 | $ 2,735,000 | $ 248,636 | $ 103,000 |
| Kansas City, MO-KS | 10 | $ 2,340,000 | $ 234,000 | $ 87,000 |
| Las Vegas-Henderson-Paradise, NV | 10 | $ 4,080,000 | $ 408,000 | $ 112,000 |
| Little Rock-North Little Rock-Conway, AR | 10 | $ 2,660,000 | $ 266,000 | $ 77,000 |
| Louisville/Jefferson County, KY-IN | 10 | $ 2,400,000 | $ 240,000 | $ 74,400 |
| Pensacola-Ferry Pass-Brent, FL | 10 | $ 3,600,000 | $ 360,000 | $ 103,000 |
| Pittsburgh, PA | 10 | $ 2,130,000 | $ 213,000 | $ 81,000 |
| Arlington-Alexandria-Reston, VA-WV | 9 | $ 3,625,000 | $ 402,777 | $ 88,000 |
| Columbus, OH | 9 | $ 2,495,000 | $ 277,222 | $ 93,000 |
| Knoxville, TN | 9 | $ 2,095,000 | $ 232,777 | $ 66,000 |
| Palm Bay-Melbourne-Titusville, FL | 9 | $ 3,175,000 | $ 352,777 | $ 102,000 |
| Tampa, FL | 9 | $ 2,845,000 | $ 316,111 | $ 69,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 8 | $ 2,130,000 | $ 266,250 | $ 86,000 |
| Fayetteville, NC | 8 | $ 1,840,000 | $ 230,000 | $ 68,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 8 | $ 3,150,000 | $ 393,750 | $ 105,000 |
| Orlando-Kissimmee-Sanford, FL | 8 | $ 2,660,000 | $ 332,500 | $ 81,000 |
| Prescott Valley-Prescott, AZ | 8 | $ 2,240,000 | $ 280,000 | $ 105,000 |
| Toledo, OH | 8 | $ 1,690,000 | $ 211,250 | $ 80,000 |
| Winston-Salem, NC | 8 | $ 1,970,000 | $ 246,250 | $ 96,000 |
| Chattanooga, TN-GA | 7 | $ 1,675,000 | $ 239,285 | $ 77,285 |
| Jacksonville, FL | 7 | $ 2,105,000 | $ 300,714 | $ 87,000 |
| Kingsport-Bristol-Bristol, TN-VA | 7 | $ 1,385,000 | $ 197,857 | $ 54,714 |
| Providence-Warwick, RI-MA | 7 | $ 2,555,000 | $ 365,000 | $ 79,571 |
| Baltimore-Columbia-Towson, MD | 6 | $ 1,640,000 | $ 273,333 | $ 124,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 2,570,000 | $ 428,333 | $ 125,000 |
| Harrisburg-Carlisle, PA | 6 | $ 1,100,000 | $ 183,333 | $ 80,000 |
| Hartford-West Hartford-East Hartford, CT | 6 | $ 2,030,000 | $ 338,333 | $ 116,000 |
| Lake County-Kenosha County, IL-WI | 6 | $ 1,480,000 | $ 246,666 | $ 98,000 |
| Springfield, MA | 6 | $ 1,430,000 | $ 238,333 | $ 62,000 |
| Washington, DC-MD | 6 | $ 3,620,000 | $ 603,333 | $ 149,000 |
| Clarksville, TN-KY | 5 | $ 1,605,000 | $ 321,000 | $ 94,000 |
| Dayton-Springfield-Kettering, OH | 5 | $ 975,000 | $ 195,000 | $ 73,000 |
| Des Moines-West Des Moines, IA | 5 | $ 1,165,000 | $ 233,000 | $ 90,000 |
| Duluth, MN-WI | 5 | $ 2,035,000 | $ 407,000 | $ 107,600 |
| Flint, MI | 5 | $ 955,000 | $ 191,000 | $ 64,000 |
| Grand Rapids-Wyoming, MI | 5 | $ 845,000 | $ 169,000 | $ 70,000 |
| Greensboro-High Point, NC | 5 | $ 1,155,000 | $ 231,000 | $ 41,000 |
| Lake County-Porter County-Jasper County, IN | 5 | $ 1,085,000 | $ 217,000 | $ 50,000 |
| Lake Havasu City-Kingman, AZ | 5 | $ 1,285,000 | $ 257,000 | $ 63,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 1,685,000 | $ 337,000 | $ 94,600 |
| Mobile, AL | 5 | $ 1,055,000 | $ 211,000 | $ 72,000 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 1,815,000 | $ 363,000 | $ 250,000 |
| Ocala, FL | 5 | $ 1,325,000 | $ 265,000 | $ 96,000 |
| Philadelphia, PA | 5 | $ 1,075,000 | $ 215,000 | $ 66,000 |
| Richmond, VA | 5 | $ 1,575,000 | $ 315,000 | $ 93,000 |
| Salt Lake City, UT | 5 | $ 2,345,000 | $ 469,000 | $ 78,000 |
| Springfield, MO | 5 | $ 1,095,000 | $ 219,000 | $ 76,000 |
| Wilmington, DE-MD-NJ | 5 | $ 1,805,000 | $ 361,000 | $ 85,000 |
| Akron, OH | 4 | $ 860,000 | $ 215,000 | $ 73,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 1,040,000 | $ 260,000 | $ 81,500 |
| Athens-Clarke County, GA | 4 | $ 1,520,000 | $ 380,000 | $ 93,000 |
| Camden, NJ | 4 | $ 1,330,000 | $ 332,500 | $ 337,000 |
| Cape Girardeau, MO-IL | 4 | $ 1,280,000 | $ 320,000 | $ 110,000 |
| Colorado Springs, CO | 4 | $ 1,660,000 | $ 415,000 | $ 101,000 |
| Durham-Chapel Hill, NC | 4 | $ 1,320,000 | $ 330,000 | $ 97,000 |
| Evansville, IN-KY | 4 | $ 890,000 | $ 222,500 | $ 101,000 |
| Gulfport-Biloxi-Pascagoula, MS | 4 | $ 1,160,000 | $ 290,000 | $ 103,000 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 810,000 | $ 202,500 | $ 52,250 |
| New Orleans-Metairie, LA | 4 | $ 790,000 | $ 197,500 | $ 82,000 |
| New York-Jersey City-White Plains, NY-NJ | 4 | $ 2,160,000 | $ 540,000 | $ 127,000 |
| Ogden-Clearfield, UT | 4 | $ 1,550,000 | $ 387,500 | $ 119,000 |
| Panama City, FL | 4 | $ 1,300,000 | $ 325,000 | $ 130,000 |
| Pueblo, CO | 4 | $ 820,000 | $ 205,000 | $ 58,000 |
| Rochester, NY | 4 | $ 850,000 | $ 212,500 | $ 48,000 |
| Shreveport-Bossier City, LA | 4 | $ 940,000 | $ 235,000 | $ 74,000 |
| South Bend-Mishawaka, IN-MI | 4 | $ 870,000 | $ 217,500 | $ 53,250 |
| Tacoma-Lakewood, WA | 4 | $ 2,230,000 | $ 557,500 | $ 134,000 |
| Terre Haute, IN | 4 | $ 680,000 | $ 170,000 | $ 79,000 |
| Tucson, AZ | 4 | $ 1,250,000 | $ 312,500 | $ 128,000 |
| Tulsa, OK | 4 | $ 1,180,000 | $ 295,000 | $ 116,000 |
| Tuscaloosa, AL | 4 | $ 930,000 | $ 232,500 | $ 52,000 |
| Warner Robins, GA | 4 | $ 1,090,000 | $ 272,500 | $ 95,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 1,280,000 | $ 320,000 | $ 76,000 |
| Waterbury-Shelton, CT | 4 | $ 760,000 | $ 190,000 | $ 64,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 750,000 | $ 187,500 | $ 79,000 |
| Anchorage, AK | 3 | $ 845,000 | $ 281,666 | $ 83,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 945,000 | $ 315,000 | $ 108,000 |
| Burlington, NC | 3 | $ 605,000 | $ 201,666 | $ 51,000 |
| Cedar Rapids, IA | 3 | $ 645,000 | $ 215,000 | $ 75,000 |
| Champaign-Urbana, IL | 3 | $ 895,000 | $ 298,333 | $ 94,000 |
| Columbus, GA-AL | 3 | $ 515,000 | $ 171,666 | $ 91,000 |
| Columbus, IN | 3 | $ 485,000 | $ 161,666 | $ 52,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 995,000 | $ 331,666 | $ 61,000 |
| Dover, DE | 3 | $ 805,000 | $ 268,333 | $ 64,000 |
| Gainesville, FL | 3 | $ 675,000 | $ 225,000 | $ 67,000 |
| Green Bay, WI | 3 | $ 745,000 | $ 248,333 | $ 62,000 |
| Greenville, NC | 3 | $ 1,025,000 | $ 341,666 | $ 118,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 795,000 | $ 265,000 | $ 64,000 |
| Johnstown, PA | 3 | $ 555,000 | $ 185,000 | $ 92,000 |
| Lake Charles, LA | 3 | $ 905,000 | $ 301,666 | $ 81,000 |
| Lakeland-Winter Haven, FL | 3 | $ 955,000 | $ 318,333 | $ 77,000 |
| Macon-Bibb County, GA | 3 | $ 625,000 | $ 208,333 | $ 133,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 685,000 | $ 228,333 | $ 70,000 |
| Montgomery, AL | 3 | $ 905,000 | $ 301,666 | $ 90,000 |
| Morristown, TN | 3 | $ 845,000 | $ 281,666 | $ 84,000 |
| Portland-South Portland, ME | 3 | $ 855,000 | $ 285,000 | $ 115,000 |
| Raleigh, NC | 3 | $ 895,000 | $ 298,333 | $ 85,000 |
| Salisbury, MD-DE | 3 | $ 625,000 | $ 208,333 | $ 56,000 |
| Savannah, GA | 3 | $ 855,000 | $ 285,000 | $ 69,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 3 | $ 745,000 | $ 248,333 | $ 83,000 |
| Sheboygan, WI | 3 | $ 565,000 | $ 188,333 | $ 120,000 |
| Slidell-Mandeville-Covington, LA | 3 | $ 595,000 | $ 198,333 | $ 112,000 |
| St. George, UT | 3 | $ 1,215,000 | $ 405,000 | $ 72,000 |
| Washington-Baltimore-Arlington, DC | 3 | $ 1,065,000 | $ 355,000 | $ 88,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 1,205,000 | $ 401,666 | $ 104,000 |
| York-Hanover, PA | 3 | $ 965,000 | $ 321,666 | $ 108,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 670,000 | $ 335,000 | $ 96,000 |
| Albuquerque, NM | 2 | $ 380,000 | $ 190,000 | $ 43,000 |
| Ann Arbor, MI | 2 | $ 600,000 | $ 300,000 | $ 67,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 440,000 | $ 220,000 | $ 67,000 |
| Baton Rouge, LA | 2 | $ 480,000 | $ 240,000 | $ 72,000 |
| Birmingham-Hoover, AL | 2 | $ 710,000 | $ 355,000 | $ 79,000 |
| Boston, MA | 2 | $ 820,000 | $ 410,000 | $ 126,000 |
| Casper, WY | 2 | $ 590,000 | $ 295,000 | $ 77,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 810,000 | $ 405,000 | $ 87,000 |
| Dallas-Plano-Irving, TX | 2 | $ 1,530,000 | $ 765,000 | $ 227,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 270,000 | $ 135,000 | $ 67,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 650,000 | $ 325,000 | $ 34,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 460,000 | $ 230,000 | $ 60,000 |
| Elizabethtown-Fort Knox, KY | 2 | $ 470,000 | $ 235,000 | $ 67,000 |
| Elkhart-Goshen, IN | 2 | $ 430,000 | $ 215,000 | $ 62,000 |
| Eugene, OR | 2 | $ 580,000 | $ 290,000 | $ 45,000 |
| Fort Smith, AR-OK | 2 | $ 410,000 | $ 205,000 | $ 82,000 |
| Gainesville, GA | 2 | $ 940,000 | $ 470,000 | $ 154,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 280,000 | $ 140,000 | $ 21,000 |
| Huntsville, AL | 2 | $ 580,000 | $ 290,000 | $ 169,000 |
| Jackson, MS | 2 | $ 460,000 | $ 230,000 | $ 98,000 |
| Janesville-Beloit, WI | 2 | $ 660,000 | $ 330,000 | $ 100,000 |
| Jefferson City, MO | 2 | $ 330,000 | $ 165,000 | $ 55,000 |
| Johnson City, TN | 2 | $ 610,000 | $ 305,000 | $ 106,000 |
| Kalamazoo-Portage, MI | 2 | $ 320,000 | $ 160,000 | $ 49,000 |
| Lakewood-New Brunswick, NJ | 2 | $ 600,000 | $ 300,000 | $ 92,000 |
| Lansing-East Lansing, MI | 2 | $ 460,000 | $ 230,000 | $ 87,000 |
| Lima, OH | 2 | $ 610,000 | $ 305,000 | $ 138,000 |
| Manchester-Nashua, NH | 2 | $ 610,000 | $ 305,000 | $ 94,000 |
| Mansfield, OH | 2 | $ 260,000 | $ 130,000 | $ 37,000 |
| Norwich-New London, CT | 2 | $ 540,000 | $ 270,000 | $ 78,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 280,000 | $ 140,000 | $ 40,000 |
| Oshkosh-Neenah, WI | 2 | $ 440,000 | $ 220,000 | $ 52,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,640,000 | $ 820,000 | $ 169,000 |
| Pittsfield, MA | 2 | $ 380,000 | $ 190,000 | $ 66,000 |
| Port St. Lucie, FL | 2 | $ 910,000 | $ 455,000 | $ 99,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 1,010,000 | $ 505,000 | $ 115,500 |
| Punta Gorda, FL | 2 | $ 880,000 | $ 440,000 | $ 105,000 |
| Reading, PA | 2 | $ 390,000 | $ 195,000 | $ 67,000 |
| Rochester, MN | 2 | $ 370,000 | $ 185,000 | $ 73,000 |
| Rockford, IL | 2 | $ 600,000 | $ 300,000 | $ 93,000 |
| Rocky Mount, NC | 2 | $ 520,000 | $ 260,000 | $ 60,000 |
| San Diego-Carlsbad, CA | 2 | $ 1,130,000 | $ 565,000 | $ 91,000 |
| Sandusky, OH | 2 | $ 590,000 | $ 295,000 | $ 103,000 |
| Spokane-Spokane Valley, WA | 2 | $ 360,000 | $ 180,000 | $ 43,000 |
| Syracuse, NY | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Tallahassee, FL | 2 | $ 310,000 | $ 155,000 | $ 74,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 420,000 | $ 210,000 | $ 67,000 |
| Wildwood-The Villages, FL | 2 | $ 1,000,000 | $ 500,000 | $ 146,000 |
| Wilmington, NC | 2 | $ 620,000 | $ 310,000 | $ 83,000 |
| Albany, GA | 1 | $ 95,000 | $ 95,000 | $ 87,000 |
| Albany, OR | 1 | $ 395,000 | $ 395,000 | $ 72,000 |
| Amherst Town-Northampton, MA | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Appleton, WI | 1 | $ 305,000 | $ 305,000 | $ 104,000 |
| Battle Creek, MI | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Binghamton, NY | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
| Bloomington, IL | 1 | $ 215,000 | $ 215,000 | $ 73,000 |
| Boise City, ID | 1 | $ 775,000 | $ 775,000 | $ 179,000 |
| Boulder, CO | 1 | $ 555,000 | $ 555,000 | $ 104,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 555,000 | $ 555,000 | $ 147,000 |
| Brunswick, GA | 1 | $ 305,000 | $ 305,000 | $ 210,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 845,000 | $ 845,000 | $ 331,000 |
| Carson City, NV | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Charleston, WV | 1 | $ 155,000 | $ 155,000 | $ 36,000 |
| Charleston-North Charleston, SC | 1 | $ 305,000 | $ 305,000 | $ 83,000 |
| Cheyenne, WY | 1 | $ 535,000 | $ 535,000 | $ 251,000 |
| Cleveland, TN | 1 | $ 405,000 | $ 405,000 | $ 91,000 |
| Coeur D'Alene, ID | 1 | $ 395,000 | $ 395,000 | $ 104,000 |
| Decatur, AL | 1 | $ 215,000 | $ 215,000 | $ 160,000 |
| Dothan, AL | 1 | $ 215,000 | $ 215,000 | $ 56,000 |
| Elgin, IL | 1 | $ 455,000 | $ 455,000 | $ 202,000 |
| Erie, PA | 1 | $ 155,000 | $ 155,000 | $ 90,000 |
| Florence-Muscle Shoals, AL | 1 | $ 295,000 | $ 295,000 | $ 58,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 515,000 | $ 515,000 | $ 98,000 |
| Fort Wayne, IN | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| Grand Island, NE | 1 | $ 225,000 | $ 225,000 | $ 67,000 |
| Grand Junction, CO | 1 | $ 485,000 | $ 485,000 | $ 64,000 |
| Hattiesburg, MS | 1 | $ 235,000 | $ 235,000 | $ 74,000 |
| Hinesville, GA | 1 | $ 275,000 | $ 275,000 | $ 83,000 |
| Homosassa Springs, FL | 1 | $ 425,000 | $ 425,000 | $ 72,000 |
| Houma-Thibodaux, LA | 1 | $ 725,000 | $ 725,000 | $ 226,000 |
| Jackson, MI | 1 | $ 155,000 | $ 155,000 | $ 37,000 |
| Jacksonville, NC | 1 | $ 95,000 | $ 95,000 | $ 43,000 |
| Kankakee, IL | 1 | $ 255,000 | $ 255,000 | $ 74,000 |
| Kennewick-Richland, WA | 1 | $ 435,000 | $ 435,000 | $ 91,000 |
| Kingston, NY | 1 | $ 445,000 | $ 445,000 | $ 118,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 1 | $ 455,000 | $ 455,000 | $ 125,000 |
| Lafayette-West Lafayette, IN | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Lawton, OK | 1 | $ 375,000 | $ 375,000 | $ 81,000 |
| Lebanon, PA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Logan, UT-ID | 1 | $ 525,000 | $ 525,000 | $ 99,000 |
| Longview, TX | 1 | $ 75,000 | $ 75,000 | $ 27,000 |
| Longview, WA | 1 | $ 365,000 | $ 365,000 | $ 73,000 |
| Lynchburg, VA | 1 | $ 175,000 | $ 175,000 | $ 69,000 |
| Madison, WI | 1 | $ 155,000 | $ 155,000 | $ 104,000 |
| Medford, OR | 1 | $ 1,025,000 | $ 1,025,000 | $ 197,000 |
| Monroe, LA | 1 | $ 305,000 | $ 305,000 | $ 58,000 |
| Nassau County-Suffolk County, NY | 1 | $ 585,000 | $ 585,000 | $ 117,000 |
| Owensboro, KY | 1 | $ 745,000 | $ 745,000 | $ 423,000 |
| Peoria, IL | 1 | $ 205,000 | $ 205,000 | $ 143,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 225,000 | $ 225,000 | $ 49,000 |
| Provo-Orem, UT | 1 | $ 445,000 | $ 445,000 | $ 72,000 |
| Racine, WI | 1 | $ 205,000 | $ 205,000 | $ 39,000 |
| Reno, NV | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 475,000 | $ 475,000 | $ 110,000 |
| Roanoke, VA | 1 | $ 255,000 | $ 255,000 | $ 140,000 |
| Rockingham County-Strafford County, NH | 1 | $ 565,000 | $ 565,000 | $ 165,000 |
| Sebastian-Vero Beach, FL | 1 | $ 275,000 | $ 275,000 | $ 48,000 |
| Sebring, FL | 1 | $ 185,000 | $ 185,000 | $ 42,000 |
| Springfield, IL | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| St. Joseph, MO-KS | 1 | $ 215,000 | $ 215,000 | $ 118,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| State College, PA | 1 | $ 285,000 | $ 285,000 | $ 104,000 |
| Trenton, NJ | 1 | $ 345,000 | $ 345,000 | $ 116,000 |
| Utica-Rome, NY | 1 | $ 345,000 | $ 345,000 | $ 60,000 |
| Valdosta, GA | 1 | $ 245,000 | $ 245,000 | $ 62,000 |
| Wausau, WI | 1 | $ 195,000 | $ 195,000 | $ 41,000 |
| Winchester, VA-WV | 1 | $ 475,000 | $ 475,000 | $ 157,000 |
| Worcester, MA-CT | 1 | $ 765,000 | $ 765,000 | $ 165,000 |
| Yakima, WA | 1 | $ 285,000 | $ 285,000 | $ 146,000 |
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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
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