Lender profile · HMDA 2023–2025
United Trust Bank mortgage approval rates & lending data
United Trust Bank decided 1,150 mortgage applications and funded 964 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 244 / 257 | 98% | $285K | 240 |
| Cash-out refinance | 81% | 553 / 681 | 99% | $245K | 545 |
| Refinance | 85% | 162 / 191 | 100% | $285K | 162 |
United Trust Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 93% | $595K | 150 | 137 |
| Ohio | 91% | $195K | 127 | 115 |
| Florida | 72% | $325K | 107 | 77 |
| Pennsylvania | 84% | $195K | 96 | 81 |
| Illinois | 85% | $215K | 62 | 52 |
| North Carolina | 84% | $225K | 58 | 48 |
| Tennessee | 90% | $265K | 41 | 37 |
| Indiana | 92% | $215K | 38 | 34 |
| Arizona | 81% | $295K | 37 | 30 |
| Virginia | 86% | $405K | 29 | 25 |
| New York | 93% | $245K | 28 | 25 |
| Texas | 75% | $205K | 28 | 20 |
| Alabama | 88% | $215K | 24 | 21 |
| Michigan | 96% | $175K | 24 | 23 |
| Missouri | 91% | $235K | 23 | 21 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.