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Act (HMDA) records United Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 43 | $ 9,725,000 | $ 226,162 | $ 80,857 |
| Atlanta-Sandy Springs-Roswell, GA | 28 | $ 16,180,000 | $ 577,857 | $ 103,000 |
| Chicago-Naperville, IL | 16 | $ 4,130,000 | $ 258,125 | $ 72,000 |
| Marietta, GA | 9 | $ 6,095,000 | $ 677,222 | $ 59,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 6 | $ 1,910,000 | $ 318,333 | $ 89,000 |
| El Paso, TX | 5 | $ 1,305,000 | $ 261,000 | $ 395,000 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 1,335,000 | $ 267,000 | $ 92,000 |
| Jacksonville, FL | 5 | $ 1,475,000 | $ 295,000 | $ 81,000 |
| Akron, OH | 4 | $ 970,000 | $ 242,500 | $ 98,000 |
| Knoxville, TN | 4 | $ 1,220,000 | $ 305,000 | $ 93,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 1,380,000 | $ 345,000 | $ 100,750 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 1,260,000 | $ 315,000 | $ 95,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 3,250,000 | $ 812,500 | $ 61,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 1,860,000 | $ 465,000 | $ 119,000 |
| Altoona, PA | 3 | $ 845,000 | $ 281,666 | $ 99,000 |
| Des Moines-West Des Moines, IA | 3 | $ 1,035,000 | $ 345,000 | $ 139,000 |
| Lake County-Porter County-Jasper County, IN | 3 | $ 1,145,000 | $ 381,666 | $ 59,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 1,145,000 | $ 381,666 | $ 83,000 |
| Richmond, VA | 3 | $ 615,000 | $ 205,000 | $ 97,000 |
| Salt Lake City, UT | 3 | $ 1,475,000 | $ 491,666 | $ 138,000 |
| St. Louis, MO-IL | 3 | $ 685,000 | $ 228,333 | $ 97,333 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 1,160,000 | $ 580,000 | $ 218,000 |
| Arlington-Alexandria-Reston, VA-WV | 2 | $ 970,000 | $ 485,000 | $ 206,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 580,000 | $ 290,000 | $ 51,000 |
| Birmingham-Hoover, AL | 2 | $ 410,000 | $ 205,000 | $ 52,000 |
| Canton-Massillon, OH | 2 | $ 860,000 | $ 430,000 | $ 325,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 400,000 | $ 200,000 | $ 42,000 |
| Cleveland, OH | 2 | $ 380,000 | $ 190,000 | $ 59,000 |
| Columbus, OH | 2 | $ 620,000 | $ 310,000 | $ 143,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 510,000 | $ 255,000 | $ 84,000 |
| Dover, DE | 2 | $ 670,000 | $ 335,000 | $ 73,000 |
| Durham-Chapel Hill, NC | 2 | $ 600,000 | $ 300,000 | $ 170,000 |
| Fayetteville, NC | 2 | $ 340,000 | $ 170,000 | $ 77,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 550,000 | $ 275,000 | $ 61,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 580,000 | $ 290,000 | $ 93,000 |
| Gainesville, GA | 2 | $ 460,000 | $ 230,000 | $ 17,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 350,000 | $ 175,000 | $ 37,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 580,000 | $ 290,000 | $ 61,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 610,000 | $ 305,000 | $ 76,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 510,000 | $ 255,000 | $ 61,000 |
| Ogden-Clearfield, UT | 2 | $ 910,000 | $ 455,000 | $ 113,000 |
| Oklahoma City, OK | 2 | $ 620,000 | $ 310,000 | $ 97,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 380,000 | $ 190,000 | $ 38,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 450,000 | $ 225,000 | $ 86,000 |
| Philadelphia, PA | 2 | $ 340,000 | $ 170,000 | $ 59,000 |
| Pittsburgh, PA | 2 | $ 560,000 | $ 280,000 | $ 118,000 |
| Providence-Warwick, RI-MA | 2 | $ 780,000 | $ 390,000 | $ 225,000 |
| Pueblo, CO | 2 | $ 630,000 | $ 315,000 | $ 124,000 |
| Springfield, MO | 2 | $ 400,000 | $ 200,000 | $ 43,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 510,000 | $ 255,000 | $ 99,000 |
| Tacoma-Lakewood, WA | 2 | $ 890,000 | $ 445,000 | $ 122,000 |
| Tucson, AZ | 2 | $ 790,000 | $ 395,000 | $ 111,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 670,000 | $ 335,000 | $ 85,000 |
| Wilmington, NC | 2 | $ 750,000 | $ 375,000 | $ 14,000 |
| Anchorage, AK | 1 | $ 345,000 | $ 345,000 | $ 426,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 205,000 | $ 205,000 | $ 97,000 |
| Bangor, ME | 1 | $ 305,000 | $ 305,000 | $ 73,000 |
| Baton Rouge, LA | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
| Battle Creek, MI | 1 | $ 185,000 | $ 185,000 | $ 126,000 |
| Boulder, CO | 1 | $ 305,000 | $ 305,000 | $ 18,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 145,000 | $ 145,000 | $ 45,000 |
| Cape Girardeau, MO-IL | 1 | $ 225,000 | $ 225,000 | $ 75,000 |
| Columbus, GA-AL | 1 | $ 185,000 | $ 185,000 | $ 88,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 415,000 | $ 415,000 | $ 191,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 335,000 | $ 335,000 | $ 56,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 285,000 | $ 285,000 | $ 54,000 |
| Dothan, AL | 1 | $ 175,000 | $ 175,000 | $ 38,000 |
| Eau Claire, WI | 1 | $ 215,000 | $ 215,000 | $ 61,000 |
| Erie, PA | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Fargo, ND-MN | 1 | $ 265,000 | $ 265,000 | $ 70,000 |
| Florence, SC | 1 | $ 335,000 | $ 335,000 | $ 77,000 |
| Fort Smith, AR-OK | 1 | $ 375,000 | $ 375,000 | $ 125,000 |
| Fort Wayne, IN | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
| Greensboro-High Point, NC | 1 | $ 285,000 | $ 285,000 | $ 47,000 |
| Hammond, LA | 1 | $ 245,000 | $ 245,000 | $ 42,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 215,000 | $ 215,000 | $ 100,000 |
| Homosassa Springs, FL | 1 | $ 255,000 | $ 255,000 | $ 68,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 245,000 | $ 245,000 | $ 88,000 |
| Jackson, MS | 1 | $ 145,000 | $ 145,000 | $ 118,000 |
| Janesville-Beloit, WI | 1 | $ 335,000 | $ 335,000 | $ 63,000 |
| Johnstown, PA | 1 | $ 185,000 | $ 185,000 | $ 82,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 1 | $ 255,000 | $ 255,000 | $ 79,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 275,000 | $ 275,000 | $ 66,000 |
| Lakeland-Winter Haven, FL | 1 | $ 335,000 | $ 335,000 | $ 99,000 |
| Lebanon, PA | 1 | $ 195,000 | $ 195,000 | $ 93,000 |
| Mansfield, OH | 1 | $ 145,000 | $ 145,000 | $ 76,000 |
| Memphis, TN-MS-AR | 1 | $ 245,000 | $ 245,000 | $ 98,000 |
| Michigan City-La Porte, IN | 1 | $ 125,000 | $ 125,000 | $ 39,000 |
| Modesto, CA | 1 | $ 405,000 | $ 405,000 | $ 107,000 |
| Olympia-Tumwater, WA | 1 | $ 335,000 | $ 335,000 | $ 71,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 655,000 | $ 655,000 | $ 188,000 |
| Oshkosh-Neenah, WI | 1 | $ 245,000 | $ 245,000 | $ 84,000 |
| Panama City, FL | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
| Peoria, IL | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Portland-South Portland, ME | 1 | $ 505,000 | $ 505,000 | $ 95,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 225,000 | $ 225,000 | $ 55,000 |
| Racine, WI | 1 | $ 355,000 | $ 355,000 | $ 62,000 |
| Raleigh, NC | 1 | $ 365,000 | $ 365,000 | $ 63,000 |
| Reading, PA | 1 | $ 295,000 | $ 295,000 | $ 85,000 |
| Reno, NV | 1 | $ 505,000 | $ 505,000 | $ 83,000 |
| Rockford, IL | 1 | $ 225,000 | $ 225,000 | $ 74,000 |
| Rockingham County-Strafford County, NH | 1 | $ 365,000 | $ 365,000 | $ 152,000 |
| Salem, OR | 1 | $ 465,000 | $ 465,000 | $ 150,000 |
| San Diego-Carlsbad, CA | 1 | $ 905,000 | $ 905,000 | $ 166,000 |
| Savannah, GA | 1 | $ 285,000 | $ 285,000 | $ 59,000 |
| Slidell-Mandeville-Covington, LA | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| St. George, UT | 1 | $ 465,000 | $ 465,000 | $ 96,000 |
| Tampa, FL | 1 | $ 305,000 | $ 305,000 | $ 171,000 |
| Tulsa, OK | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Utica-Rome, NY | 1 | $ 195,000 | $ 195,000 | $ 111,000 |
| Valdosta, GA | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Washington, DC-MD | 1 | $ 325,000 | $ 325,000 | $ 92,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 355,000 | $ 355,000 | $ 93,000 |
| Wilmington, DE-MD-NJ | 1 | $ 425,000 | $ 425,000 | $ 62,000 |
| Winston-Salem, NC | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Worcester, MA-CT | 1 | $ 395,000 | $ 395,000 | $ 172,000 |
| Yuma, AZ | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
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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