Applications / Mortgage Analytics / Lenders / Illinois / United Trust Bank
Palos Heights, IL · Savings institution · OCC · $171 million assets · 998 loans in 2025
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998
loans originated, 2025
1,261
applications, 2025
45
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Trust Bank is a small Illinois savings institution lending in 45 states, mostly government-backed refinance loans, and its originations rose 314% to 998 in 2025.
VA loans (guaranteed by the Department of Veterans Affairs) were 59.4% of its loans and FHA loans (insured by the Federal Housing Administration) 20.6%; only 19.9% were conventional, against 99.7% at similar lenders (savings institutions making between half and twice as many loans). Refinance was 78.9% of its loans and home purchase 21.1%. That makes it a government-backed refinance lender rather than a typical savings institution.
Its originations rose 314% from 241 in 2024, against 4% for similar lenders and 10% for the whole market, faster than all of them. It lent in 45 states, 222 metros and 478 counties, with its largest market in Atlanta-Sandy Springs-Alpharetta, where it ranks 179 of 892. It first reported in 2002; it filed no report for 2018 to 2023, a gap in the record rather than years without lending.
Low- and moderate-income (LMI) borrowers took 45.3% of its loans, against 24.8%, the highest among similar lenders. Its shares in LMI areas (19.4%) and majority-minority areas (19.6%) are higher than about four in five. Its government-backed refinance focus and national reach are possible reasons.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. United Trust Bank took 1,261 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 78.9% · Purchase 21.1%
VA 59.4% · FHA 20.6% · Conventional 19.9% · of 998 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 124 | 12.4% |
| Ohio | 116 | 11.6% |
| Pennsylvania | 74 | 7.4% |
| Florida | 61 | 6.1% |
| Indiana | 50 | 5.0% |
| Tennessee | 49 | 4.9% |
| North Carolina | 48 | 4.8% |
| Illinois | 42 | 4.2% |
| Virginia | 37 | 3.7% |
| Michigan | 32 | 3.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 70 |
| Marietta | 21 |
| Altoona | 19 |
| St. Louis | 18 |
| Chicago-Naperville-Schaumburg | 15 |
| Indianapolis-Carmel-Greenwood | 15 |
| Montgomery County-Bucks County-Chester County | 15 |
| Cleveland | 13 |
| El Paso | 13 |
| Memphis | 12 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 984500CD6F0743B8F530 | 2024–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2949970 | 2004–2013 |
| Respondent ID (the HMDA filer code before 2018) | 416310 | 2002–2006 |
| Respondent ID (the HMDA filer code before 2018) | 1716310 | 2011–2013 |
Established 24 November 2000. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: United Trust Bank's data.
United Trust Bank's data
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