United Trust Bank mortgage approval rate & lending review
United Trust Bank decided 1,150 mortgage applications and funded 964 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions United Trust Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
United Trust Bank at a glance
Approval is 10.7 points above the 74.2% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where United Trust Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Wayne County, OH | Mortgage lenders | 96% | 52 | 49 |
| Blair County, PA | Mortgage lenders | 91% | 22 | 20 |
The county markets where United Trust Bank made the most loans. Each link opens that market with every lender ranked.
Questions about United Trust Bank
What is United Trust Bank's mortgage approval rate?
United Trust Bank approved 84.9% of the 1,150 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.7 points above the 74.2% national rate for the same mix of loan types.
How often do borrowers take the loan United Trust Bank offers?
Borrowers accepted 99% of the loans United Trust Bank approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does United Trust Bank make?
The typical cash-out refinance loan United Trust Bank made was $245K; across all loan types its typical loan ran from $245K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does United Trust Bank lend?
United Trust Bank decided applications in 44 of the states Fat Boy Data covers, most of them in Georgia, Ohio and Florida.
Can I apply to United Trust Bank directly?
Yes. United Trust Bank is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show United Trust Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how United Trust Bank treats applications, then get a rate quote from the lender.