United Trust Bank
United Trust Bank received 1,261 applications in 2025 and made 998 mortgages, in 549 counties across 45 states. The median rate its borrowers got was 6.500% on a median loan of $245,000. Of 1,214 decisions, 198 were denials — 16.3%, most often for collateral.
| Legal Entity Identifier | 984500CD6F0743B8F530 |
|---|---|
| Applications received | 1,261 |
| Mortgages made | 998 |
| Denied | 198 |
| Approved, not taken up | 18 |
| Withdrawn or incomplete | 47 |
| Loans bought from other lenders | 3 |
| Median rate spread over the prime offer rate | 0.467 points |
| FDIC-insured bank | Yes: United Trust Bank, 1 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 211 | 6.625% | $275,000 | 7.3% |
| Refinancing | 41 | 5.875% | $285,000 | 10.6% |
| Cash-out refinancing | 746 | 6.500% | $235,000 | 18.8% |
Where United Trust Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wayne County, OH | 38 | 6.813% | 4.9% |
| Fulton County, GA | 33 | 6.490% | 5.6% |
| DeKalb County, GA | 19 | 6.375% | 0.0% |
| Blair County, PA | 19 | 6.750% | 9.5% |
| Cobb County, GA | 17 | 6.250% | 10.5% |
| El Paso County, TX | 13 | 6.625% | 30.0% |
| Cook County, IL | 12 | 6.688% | 25.0% |
| Stark County, OH | 11 | 6.990% | 0.0% |
| Marion County, IN | 10 | 6.688% | 15.4% |
| Clark County, NV | 9 | Under 10 loans | 10.0% |
| Montgomery County, PA | 9 | Under 10 loans | 18.2% |
| Maricopa County, AZ | 8 | Under 10 loans | 20.0% |
| Jackson County, MO | 8 | Under 10 loans | 11.1% |
| Erie County, NY | 8 | Under 10 loans | 0.0% |
| Ashland County, OH | 8 | Under 10 loans | 0.0% |
| Yavapai County, AZ | 6 | Under 10 loans | 14.3% |
| Gwinnett County, GA | 6 | Under 10 loans | 0.0% |
| Lake County, IL | 6 | Under 10 loans | 0.0% |
| Cumberland County, NC | 6 | Under 10 loans | 14.3% |
| Lorain County, OH | 6 | Under 10 loans | 14.3% |
| Bucks County, PA | 6 | Under 10 loans | 14.3% |
| Mobile County, AL | 5 | Under 10 loans | 0.0% |
| Clay County, FL | 5 | Under 10 loans | 0.0% |
| St. Clair County, IL | 5 | Under 10 loans | 16.7% |
| Hampden County, MA | 5 | Under 10 loans | 16.7% |
| Genesee County, MI | 5 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 5 | Under 10 loans | 0.0% |
| Shelby County, TN | 5 | Under 10 loans | 0.0% |
| Virginia Beach city, VA | 5 | Under 10 loans | 16.7% |
| Mohave County, AZ | 4 | Under 10 loans | 20.0% |
| Pima County, AZ | 4 | Under 10 loans | 0.0% |
| Lonoke County, AR | 4 | Under 10 loans | 0.0% |
| El Paso County, CO | 4 | Under 10 loans | 0.0% |
| Pueblo County, CO | 4 | Under 10 loans | 0.0% |
| Capitol Planning Region, CT | 4 | Under 10 loans | 20.0% |
| Lake County, FL | 4 | Under 10 loans | 0.0% |
| Santa Rosa County, FL | 4 | Under 10 loans | 20.0% |
| Volusia County, FL | 4 | Under 10 loans | 20.0% |
| Greene County, MO | 4 | Under 10 loans | 20.0% |
| St. Louis County, MO | 4 | Under 10 loans | 0.0% |
| Monroe County, NY | 4 | Under 10 loans | 0.0% |
| Forsyth County, NC | 4 | Under 10 loans | 0.0% |
| Franklin County, OH | 4 | Under 10 loans | 20.0% |
| Lucas County, OH | 4 | Under 10 loans | 33.3% |
| Trumbull County, OH | 4 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 4 | Under 10 loans | 0.0% |
| Washington County, PA | 4 | Under 10 loans | 0.0% |
| Kent County, RI | 4 | Under 10 loans | 0.0% |
| Knox County, TN | 4 | Under 10 loans | 20.0% |
| Montgomery County, TN | 4 | Under 10 loans | 20.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.