UTB

We are America’s
Community Lender

Providing customized mortgage solutions with exceptional service and value.

The very first person you talk to will be a professional, licensed loan officer who will be with you every step of the way until your loan closes – you will not be shuffled around to different departments. We pride ourselves on outstanding customer service!

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You could cut your
monthly bills in half!

See how much you qualify for
– no commitment needed!

VA 100 Loan Program

As a veteran or active service member, you have earned the right to borrow up to 100% of your home's value. With financing up to 100% of your home's value, your opportunities are limitless!

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VA Streamline

The VA created the Interest Rate Reduction Refinance Loan, also known as the IRRRL. This program allows veterans the ability to lower the rate on their current VA loan.

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Conventional

This Debt Consolidation / Cash Out program is for ALL homeowners who qualify – Regardless of where you are in life, use your home to consolidate high interest credit card debt, build your savings account or pay for whatever you need or want.

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FHA Cash Out / Streamline

FHA mortgages are for ALL homeowners. If you are just starting out or have less than perfect credit, an FHA Cash Out or Streamline refinance may be right for you. Qualifying credit requirements are usually lower than a conventional loan and the interest rates usually are too!

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Buy a Home

Whether you're a first-time homebuyer, moving to a new home or buying a vacation property, we have the right mortgage options to meet your needs.

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A Veterans Administration Approved Lender

United Trust Bank is an FDIC insured and nationally chartered bank and a VA Approved Lender, with a mission to provide home loans and deposit accounts to our communities. We are fully committed to exceptional service and value. We specialize in assisting veterans and homeowners across the country pay off their debt, lower their interest rates and payments, and secure the money needed to support their families.

What really sets UTB apart is our ability to lend up to 100% of your home’s value at some of the lowest VA rates in the country. We can also close your loan in as little as 30 days!

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Here's What Our Customers Are Saying

Easy to understand and answered all my questions very quickly.

-Adam S

Patty was so helpful and kept us continually up to date on what was happening with our loan.

-Adry

I found a reliable Loan Officer by the name of David Collier. David really did a fantastic job getting my VA loan refinanced. David called me every day to coordinate with me.

He sure knows the business. His experience guided me from beginning to end. David is a good asset to United Trust Bank.

-Alan G

The whole process went flawlessly, in my opinion. The agent working with me had great communication and responded to my questions effectively and thoroughly. If you're a veteran and are wanting to consolidate, or refinance then look into United Trust Bank. For me, it was worth it.

-Alan J

Mr. Marc Mendoza was my loan officer from United Trust Bank which worked with VA programs. From the beginning Mr. Mendoza was a very professional person who knows his work very well. I recommend Mr. Marc Mendoza for your VA needs refinance or other services. The process for the closing time it was less than three weeks.

-Alberto C

Best decision I made to call UTB. David Collier was honest and fair everything he said was spot on.

-Alfonzo M

John Woodgate was the best loan officer anyone could ask for. He was there with you from start to finish. United Trust Bank #1 for helping veterans with loans or whatever your needs are. I would rate this bank 10 for overall great service and management of loan affairs.

-Allen G

Mr. J. Woodgate made my refinance extremely easy and painless. He was very attentive to details , knowledge about the process and most importantly answered and addressed any questions or concerns I had in a timely manner. I would definitely recommend Mr. Woodgate to anyone, especially my fellow veterans looking to purchase a home or refinance an existing mortgage.

-Alonzo C

We applied with united Trust for a cash out refi. We worked with Ryan Wolverton who was excellent! He is a consummate professional, very knowledgeable and worked with us to find the best option for our situation. We contacted other companies, but Ryan actually delivered the best service and options. He was prompt, had excellent follow up and was very transparent. We would highly recommend United Trust Bank and would use them for any future needs.

-Angela S

Danny Iannarelli was absolutely amazing to work with! He was professional, personable and always quick to respond to questions, and help my husband and I navigate our cash-out refinance. He even showed us how we could pay off our loan years in advance! I trust his advice and guidance.

-Angela W

Thank you Ryan for your help on helping the Watsons. You have a lower our interest rate than the one we started with, we truly appreciate that you were very helpful and very kind and hoping in the future if we ever need any help we will contact you again thanks again and have a blessed year.

-Angela W

Ryan is very polite professional and always kept me up to date on my refinance. He made the refinance an quick and easy process.

-Annette T

Ryan walked me through the closing process and made it painless. Great job.

-Anthony H

I recently refinanced my VA Loan with United Trust Bank and Brandon Eberhart was my Loan Officer. I can honestly say it was the best customer service experience I have ever had. Brandon guided me through the process and responded to all my concerns without delay. Brandon thanks again for your outstanding commitment to getting me through the process.

-Anthony H

David Collier of United Trust Bank did a great job. He contacted me everyday while undergoing the refinance process. David was very professional and knowledgeable about the VA refinancing. Thank you so much David.

-Anthony L

Would like to thank David for helping with our loan. If you need someone who is there for you through the complete process and explains every step of the way. He answers questions very well.

-April Z

This was a pleasant experience, and everything went smoothly. David demonstrated superior performance and paid attention to detail at every step. He was also very efficient and prompt in his delivery of documents and materials. Lastly, his consistent communication during the entire process was second to none and unparalleled. My overall experience is excellent! "Bravo Zulu" for a job well done!

-Arthur W

Taylor was a great help and very friendly. He kept us up to date on the status of our loan each step of the way. Thank you Taylor.

-Audrey V

Danny Iannarelli assisted us with our home refinance. Not only was he thorough, he was quick. His communication has always been courteous, professional, and timely. I appreciate someone who values our time. If I had to refinance in the future, he would be the one we would call! He was able to make this happen in a fraction of what it would normally take. Thank you for your help with everything. Getting to pay off my truck has been such a huge worry for me. And now I feel relief. Thank you, thank you, thank you!

-Autumn M

David was absolutely outstanding. He went over and beyond at every angle with my VA refi. I had a MVR lien on my home. He worked so hard to help me have the lien removed in time for my closing. He continued working well into the night handling paperwork, phone calls and emails until the job was done!! He is amazing at what he does and truly made sure I knew what was going on at all times. I can’t express enough how much I appreciate him with all of his expertise, dedication and kindness! I really lucked out on having him as my loan officer. Thank you so very much for everything!!!!!

-Barry N

Salvatore is great, great assistance with Veterans. Thanks so much Sal we appreciate you. Fantastic customer service and knowledge.

-Bill A

This was my second experience with United Trust Bank. I got a cash out refinance done about a year ago and then recently was able to complete an IRRRL. Mr. Ryan Mook is the loan officer that assisted me with the IRRRL. When I initially was able to apply for the IRRRL my credit score was not high enough. I was instructed for the next couple moths in things to do to help increase my score and stayed in frequent contact with Mr. Mook. As soon as my credit score was high enough to move forward Mr. Mook got things moving on his end and we were able to close within two weeks. Amazing experience, would recommend United Trust Bank to anyone asking and can't wait to continue doing business with them in the future.

-Brandon T

David was extremely helpful. He always just a phone call away . Our closing was fast and easy . He did everything to accommodate us . Will definitely use him again.

-Brian Sj

Fast, quick and very knowledgeable of getting me refinance in a timely manner.

-Calvin F

My wife and I are so thankful to have Ryan Wolverton helping with this loan process. Ryan was extremely knowledgeable, professional, prompt, courteous and kind. It will be a pleasure to recommend Ryan and United Trust Bank to anyone who is interested in a loan. Thanks again

-Carlton M

Our loan officer was Taylor Corrigan. This young man was professional, friendly, and extremely patient with me. I had never been through a refinance before and honestly I was completely lost. Taylor walked me through every step, he answered every question I had no matter how ridiculous it may have been. I can't imagine working with anyone other than Taylor and United Trust Bank. They have helped remove so much stress from my life. I highly recommend this company for your refinancing needs.

-Carol B

Very satisfied working with Mr David Collier. I received a call from him every day. He helped me with all the forms and made it easy for me. Explained things to me I didn't know. I will contact him if I need his held. He explained things to me so I understood. Thank you again..

-Carolyn J

This was the most pleasant experience a person could have refinancing!! Rob Humann made this possible!! He made me feel very relaxed during the whole process. Not what I was expecting at all. Rob kept in touch the entire time even when he wasn't working. I look forward to doing more business with him in the future. Not to mention his good personality very easy to talk to. Thanks Rob!!

-Carolyn T

Jeff was very helpful with getting me this loan. I couldn't believe it after my husband passed away unexpectedly. Thanks Jeff

-Catherine H

A truly easy and quick this process was. I received. David was kind stayed on task and made me stay on task. He called and text everyday. There was no break in the process and things moved along quickly. From Application to closing was about 2 weeks. Union Trust Bank and David Collier did an amazing job. 10’s across the board. Thank You David for being so kind and so helpful.

-Cembra T

David really made this whole thing simple and kept me up to date on the whole process.

-Cesar A

I can't think of anything Robert Humann could do better!

-Charles Q

For Mr David, Thank you very much for all your patience. You guided me and my husband through the entire process, We do appreciate your help, unwavering support, kindness, and compassion. It was a huge factor to seal the final deal. Keep up the good traits and hope you help more homeowners.

-Cheska R

United Trust Bank is the only one I would recommend. Danny Iannarelli helped us refinance our home. I would recommend him and UTB to our friends and family. Thanks to him we are on the right track.

-Chris B

Marc M. was my loan officer. He is amazing!!! He answered all of my questions right away. He always got back to me quickly with any concerns. The entire process went very smoothly. I would recommend him to everyone. This was a wonderful experience with very little stress. I couldn't be any happier with my decision. Thank you so very much!!

-Chris C

Wow, what a great experience with United Trust Bank! Everything was great! But, the real Super Star is Ms. Gonzalez……I can’t say enough good things about her. She made this process quick and I’d like to think we had this deal started and closed in record time with minimum to zero set backs! United Trust Bank had a customer for life. A++++++ all away around!

-Christopher H

This was the best refinance experience I have ever had. I have owned three houses and have refinanced multiple times. All of them through VA programs. Rob made the process very easy. All our questions were answered. There were no surprises. Definitely will do business with them again. Thank you so much for helping our family.

-Christopher J

My wife and I wish to acknowledge our loan officer, Jonathan Gomez for providing us with truly outstanding service. Jonathan is not only extremely personable and knowledgeable, but also a good listener who communicated regularly with us throughout the entire loan process. Jonathan made what could have been a stressful experience in refinancing our home as smooth and seamless as one could imagine. He was always good to his word, and the depth of his character was never in question. Thank you again Jonathan for your truly outstanding service.

-Christopher K

Ryan made the experience super fast and super easy. I didn't even have to take time off work! He made life easy.

-Christopher L

John Woodgate was the best to work with during our refinancing - he kept us informed from start to finish, and he was always available to answer any questions we had. Thanks to United Trust Bank and John Woodgate for all your help. Really appreciate you being there for us.

-Connie S

Ryan was most helpful through the whole process, was highly professional.

-Curtis N

Our loan officer Patricia (Patty) was wonderful through our whole process. Very patient, took her time to answer each and one of our concerns at any time of the day. Was very dedicated and polite. Could go on and on with my overall experience with her. And all I can say is she’s wonderful at what she does. And that she went above and beyond to make this happen for us very happy and pleased thank you PATTY! Highly recommend of course!

-Daniela M

Robert Humann is the best financial mortgage advisor that I have worked with, he worked with us on every step of our loan gave us good advice and I would recommend him to anyone that is looking to get a loan refinance.

-David H

Our loan officer, John Woodgate went above and beyond for my husband and I in the refinancing of our home. He was a good listener and met our every need. We would be happy to recommend him and United Trust Bank to our family and friends.

-Dawn M

John Woodgate is the best of the best. He helped me so much, I’m so relieved to get down to one affordable payment many thanks to John!!

-Deborah K

-Dennis H

Refinanced with Salvatore Ross and he was great to work with very knowledgeable friendly and easy to work with helped with every step of the process.

-Derek N

Brandon Eberhart was very helpful and a pleasure to work with . I will use him again for our future endeavors. And I would recommend him to my family and friends as a go to man. Thanks Brandon for everything .

-Derek R

John Woodgate, representative of United trust Bank, went above and beyond being the best we’ve ever had, refinancing our house. We absolutely would recommend him as he was not only kind and efficient, but was a pleasure dealing and doing business with!

-Diana A

David was professional and knowledgeable with excellent customer service. He was always available to answer questions. Both my husband and I are extremely satisfied with David and will be recommending him to others.

-Diana M

I have had nothing but a good experience with United Trust Bank. Everything was made simple and easy for our process. My agent Ryan did an excellent job and always kept us informed and updated. I would recommend using this company for your required needs.

-Dirk C

Patty went far above what I expected out of a loan officer. She listened to me and delivered despite numerous pitfalls. She kept in contact with me, was kind and honest as well. I felt like I was more than a client.

-Dora R

Marc Mendoza was awesome to work with. He was always on top of any hiccups or changes. I was completely satisfied with United Trust Bank. Everything went smoothly and all of my questions were answered in a timely manner. There was no pressure just competent people helping me along my journey. I will look forward to working with Marc Mendoza again!

-Douglas M

Amazing to work with! Fast outcomes and would recommend him. He’s absolutely amazing and friendly.

-Edward C

Amazing to work with fast outcomes would recommend him he’s absolutely amazing and friendly.

-Edward C

He was very informative and made sure we got a great rate. His knowledge and decisiveness was excellent. He cared about our mortgage rate being low. When he tells you he is going to do something, he does it. Everyone should get him to refinance their home.

-Edward C

Ryan Mook was very helpful. He was very knowledgeable and he promptly returned all my calls.

-Erron J

The loan officer I had did a fantastic job with my refinancing, he walked me through the whole process & stayed in touch with me & explained everything I needed to know & answered all my questions, he was amazing & I got all my debt down to one monthly payment & even had some cash& I am so thankful, I recommend this company to anyone looking to refinance they are great.

-Freda G

Mr. Ryan Mook was truly a pleasure to work with. He is very knowledgeable, professional and courteous. He always returned my calls in a timely manner if I did not initially reach him. Thank you Mr. Ryan for a job well done!

-Gary C

Working with Danny Iannarelli was a real pleasure. Danny was available at all times to answer our questions and guide us through the process. Highly professional and customer oriented. I would highly recommend using Danny and the United Trust Bank.

-George B

To Danny Iannarelli (my loan officer). I deeply appreciate all you’ve done in getting my loan closed in less than 30 days from application. Based on my prior experiences with two different lenders, I was doubtful this could get done, even when you assured me it would. The debts have been paid…checks have cleared the bank, and I have refunds coming. I am debt free except for my mortgage. Once again, thanks for always responding to me in a timely manner (that’s rare these days). You did what you said you would do, when you said you would do it. I would highly recommend United Trust Bank to anyone interested in refinancing. GREAT JOB!!

-George S

So far everything has gone smooth with this process. Our Loan Officer Johnathan Woodgate has helped us out with every step of the way. And goes above and beyond to make sure everything is squared away. With the amount of people he has to deal with on a daily basis, he has been on point and very informative and up front about everything. Would definitely recommend him for anyone needing this service. Thanks for everything.

-Greg S

Very happy with performance and service from Danny Ianerelli during the entire process!!

-Gregory S

We really appreciated our Loan officer David Collier. He walked us through every process along with explaining everything we needed to know. He was also available for additional questions we had. This is a great company to do business with. I will recommend them to my friends & colleagues. If you are looking to refinance this is the company. The benefits we received were great!

-Haywood A

Daniel Iannarelli did an outstanding job of getting everything squared away for a VA loan. Don't know if I could have done this without him.

-James B

I had great experience with United Trust Bank! Clay Comer, my loan officer was very professional and efficient. He completed my loan in a timely manner and dealt with any road blocks that occurred quickly. I would feel comfortable recommending Mr. Comer to family and friends.

-James D

I really appreciate working with David. He explained everything clearly very patient and professional.

-James J

Marc Mendoza, did an awesome job in handling our refinancing. He always was ready to help out with any questions or concerns that my wife and I had with the whole process. Marc Mendoza was very professional at all times. Thank you very much.

-James J

Amazing people to work with. Helped me out a lot Thank you.

-James K

Ryan Mook was outstanding! He was knowledgeable, respectful, and very quick to respond when messaged.

-James M

Brandon Eberhart was very professional. Brandon answered his phone 95% of the time. He returned the call within an hour for the other 5%. Brandon was also available in the evening when we had questions. He helped us refinance our home to pay off some bills. We can not thank him enough.

-James N

Dave was absolutely great. I didn't have to do nothing. Really kept me informed, stayed with me every step. A real team player.

-James T

John was great. Made the process quick and easy while keeping me informed through every step!!

-Jared D

Our loan officer was wonderful! She was very helpful and answered all questions. Even repeating the same answers multiple times, since there were three of us refinancing our home.

-Jennifer M

The was a good company to work with. Loan officer did a great job and did very well at job.

-Jerry R

Boris was an amazing agent to work with, handled everything I needed with my busy schedule and went above and beyond to make sure all my needs where met... 15/10 rating.

-Jesse C

Robert Humann was a pleasure to work with. Refinance process was straightforward and simple. Robert knew exactly what he was doing especially when it came to handling matters with our household that consists of two Army Veterans. Everything he said was going to happen did, and there was no haggling or hidden messages. Robert went out of his way to provide me thorough updates anytime something changed. Never once did I have to seek him out for information, he always beat me to it. I would highly recommend Robert Humann to anyone looking to refinance ESPECIALLY Veterans.

-Jesse M

Ryan was great throughout the whole process. He was timely in his communication and professional. We are very grateful to him for making our loan process so easy and simplified

-Jessica K

If there is one professional who is most deserving of a trophy it is Mr. Daniel Iannarelli! When I became interested in a re-fi, Daniel stepped up right away. Throughout the process, I had a few bumps which I had been maintaining but seeing slow results. Daniel talked with me at length about how beneficial this re-fi will be. I know there must have been a lot of behind-the-scenes talks about how to make this project happen. At every step, he assured me we can make this happen. He did exactly that! The communication from UTB is outstanding. Always on-hand to address concerns from customers, pleasant and extremely easy to talk with. Daniel is on our Christmas Card list indeed. Many thanks and know my relief is beyond belief.

-JK C

Danny was amazing and took the time to explain every step as we went through the process together! Being a young disabled veteran and widower with grown children, I was excited to have the opportunity to work with Danny and United Trust Bank. Danny is a consummate professional and advocates extremely well when faced with an obstacle throughout the entire process and up to and post closing! He’s there ASAP when needed and I’m now educated on the entire refinance process! Thanks Danny! You are a blessing!

-Joe B

John was amazing throughout the whole process! The hardest part was getting all the paperwork! If you are a veteran, this is the company you want to work with for your refinance.

-Johanna M

Helped me a lot was very concise and made everything easy to understand.

-John A

Jason Scott was really good telling me every step of the way when I refinanced my place. He was knowledgeable and knew what he was doing. I appreciate his help though everything.

-John B

We were so impressed with our loan officer, Ryan Mook. He was a professional in his field , yet down to earth. He simplified the process with answering our many questions about the refinance. We feel blessed in coming in contact with Ryan in this transaction.

-John C

I had the good fortune to have David Collier to take care of my application and I’ve never had anyone better at keeping me informed as to where my loan process was at he was kind ,patient and well informed he is truly a professional and I was so lucky to have him helping me.

-John C

My loan officer Boris Volkov made the process easy and smooth. Boris was excellent, respectful and helpful.

-John L

John Woodgate was awesome to deal with through the whole process! He helped make the process go smooth and save me hundreds per month!

-Jonathon R

Mr. Danny Iannarelli did an outstanding job helping us from start to finish. Everything was a piece of cake for him and he was always prompt. Very well done!

-Joselito C

Ryan Mook was awesome to work with. He was prompt, professional, and kept me informed every step of the way. I highly recommend him as he makes the process quick and seamless. I look forward to working with him in the future.

-Joseph C

Your representative Dave Collier is an asset to your company.

-Joseph L

I received a paper in the mail from United trust bank and I called the number they sent me to a loan officer and he helped me through my refinance. John Woodgate was great to get a hold of responded within minutes every time I needed to talk to him about something, even late at night working with my work schedule I will refer him to all my friends and family that are going to refinance. Thank you. Appreciate your time and patience.

-Joshua R

We are so grateful to have had Marc Mendoza as our loan officer, Marc Mendoza is very professional, efficient and kind. Which made our interactions with him even more pleasurable. I will highly recommend him to anyone who is looking to refinance their home. He works diligently and patiently with you, he stays with you every step of the way. My husband and I are very satisfied with the entire experience, thanks Marc for everything.

-Karen D

Thank you for all the time you spent helping me and Rick get on better ground. Words and money help, but I've always found it's through people like you that really help it run. God bless you and I only wish you all the best!

-Kathleen G

Our loan officer was very helpful and answered questions to the refinancing of our house.

-Kathy C

I called to inquire about a refinance and David Collier was the one who returned my call on my refinance. He explained everything to be with each step I had to complete. He called me daily to check to see if needed anything or if I had any questions. My closing was last week (May 14,2024), just over a month!! Wow!! A fast and easy closing. The notary came to my house at 6:00pm, when it was convenient for my wife and myself. Dave made this process the simplest by being there with any question that I had regardless of the time or day and explaining everything in detail. Thank you, I would highly recommend him to others.

-Kenneth C

The young man that helped us through all of this was outstanding . He spoke with us every day to keep us updated on everything. He was also very professional and friendly. If anyone wants a great guy to work with try your best to ask for David C. He will be there for you in everyway. We sure do appreciate you David C.

-Kenneth P

David Collier was very professional and answered questions I had and solved them. Keep him around, he's good.

-Larry M

I had been looking for a refinance when I get a letter in the mail from United. best experience I've had. David Collier was my loan officer and he checked in every day to make sure the process went flawlessly; He answered all my questions and concerns and got me exactly what I needed. I will definitely recommend him and united to anyone looking for a loan.

-Lauren B

I'm happy to say I worked with UTB doing a VA refinance I'm happy with the way they conduct business well pleased with how he keeps me informed everything went as planned, Thank you UTB

-Lester S

David Collier, always Provides excellent Customer Service!!! He is always willing to go the extra mile for his customers!!

-Lisa A

I didn’t know about this bank. I happened to receive a letter in the mail. I called them, spoke to a loan officer. That was one of the best things to happen to me. He was very knowledgeable, very patient, always ready to help me. I will definitely recommend him to my family and friends.

-Lissa C

Marc Mendoza handled my refinance with professionalism and gave me a sense of security throughout the process. He was quick to respond to every question and kept me informed through every step. I appreciate how much effort he put into not just securing the loan but I felt he was able to get me the best terms possible. I will definitely refer him to friends and family.

-Lucinda A

It was a pleasure working with Phil Paci who represented our mutual clients in the purchase of their home. He has exceptional knowledge in VA loans and that became critical to make this transaction a reality. Equally critical is the communication a lender provides to his clients and the real estate agent. He was always accessible and provided updates every step of the transaction. He is a true professional!

-Maria L

Marc Mendoza was incredible! Patient, kind , an all around great human! I truly enjoyed working with him. Would recommend to anyone looking to buy a home or refinance their current home. 10 stars!!

-Mariam M

Marc Mendoza is an excellent loan agent and I would highly recommend him and UTB to others. He was very professional and handled all transactions completing our refinance in a timely manner. Marc is a very kind, concerned and professional agent.

-Mary K

David Collier was very helpful and Knowledgeable, and answered all my questions in a timely manner. Very professional.

-Matthew R

All the questions I needed was right on time I can’t complain. He always checked on me to make sure everything was lined up right and when I had to sign my documents. I would recommend him if someone else was looking forward to do the VA loan.

-Melissa S

Johnathan Woodgate did an excellent job with everything. Very easy to communicate with through the whole process .

-Michael H

Mr. Robert Humann was an excellent person to work with during our process of refinancing our loan. The process was handled fast and efficiently. As a veteran I was pleased with his service. I would recommend veteran friends to utilize his services. Mr. Humann is a true representative of United Trust Bank. The company should be proud of the services you do, because we greatly appreciate everything. Great job and services.

-Michael M

David did an excellent job in securing a refinance loan for me on my property. He was creative and thorough throughout the process. Many Thanks to him , his dedication, and hard work. He is a true professional and well versed in his field of expertise.

-Michael Z

Brandon Eberhart was the best! He explained everything so we understood what was happening and what was coming at us. So friendly and understanding. At no time was I uncomfortable with the process. We did close a week later than planned but at no fault of UTB but my previous mortgage company. Thanks Brandon and thanks UTB!

-Michele E

Ryan M was great to work with! He was professional, knowledgeable and friendly! United Trust Bank makes refinancing quick, easy and stress free from start to finish! I just sent the docs needed and he handled everything else! I recommend Ryan and United Trust Bank!

-Miranda G

First and foremost, Ms Gonzalez was the epitome of professionalism and great customer service. Always one step ahead of the necessary requirements; her mannerism and knowledge is a welcome attraction in this world of hostilities and mean-spiritedness. Thank you Ms. Gonzalez!!! You have reinstilled the humanistic approach toward customers and it's very appreciated!!!!

-Morris R

Our loan officer, Patricia Gonzalez, was excellent in helping us get our house refinanced. And she was very quick and efficient. Thanks Patty

-Nancy C

Ryan made this the easiest refinance. Very smart individual, knows what he is doing by helping others like me. If I ever need to refinance again I know where I am going. Thanks Ryan. Peace

-Nick S

I had a great experience working with David Collier on my refinance. He was knowledgeable, responsive, and made the entire process smooth and stress-free. David took the time to explain everything clearly and kept me updated every step of the way. I truly appreciated his professionalism and dedication. Highly recommend!

-Ortis T

We’ve received many calls about refinancing our home, while all others aggressively pushed, Rob was kind and very knowledgeable. He made sure that I understood every detail making the entire process easy. I can’t thank him enough for all his efforts. I would recommend him and United Trust to anyone thinking about refinancing.

-Pamela W

Very very good person. Helped me every step of the way. Will go through him again. He did an amazing job.

-Patricia M

David was very help full through the whole loan process. He made it easy to understand what we needed to do and called every day to keep us posted on the progress. Also so easy to be able to call him direct with questions.

-Paul and Donna B

My VA refinance went smoothly and with no surprises thanks to Danny Iannarelli. Danny is a credit to his bank and profession. I was always in the loop and kept well informed of the entire process. What separates Danny and his Bank was the concern for my best interest. Veterans first at United Trust bank. Thank you Danny and UTB!

-Paul B

David was very helpful. He stayed in contact with me throughout this process. He always returned my calls and texts in timely manner. He kept me informed on what was happening when it was happening. He was great answering all of the questions we had. He explained everything so that we understood and was patient with the few glitches we had. I would definitely recommend David.

-Paul C

Thank you John and United trust bank. From the start to the end you guys worked hard to make this refinance easy, quick and painless. I am grateful to actually picking up the phone and calling and not throwing the letter away. Life changing for myself and my family.

-Pedro S

Ryan has been very helpful of my needs and answered every question I had that pertained to my loan process. He had also returned my calls in a timely manner. Thanks Ryan!

-Ralph B

Daniel Iannarelli was extremally helpful in obtaining a VA loan to lower my monthly payment and consolidate some other bills. He worked tirelessly to assist me with this while I was on cruise in the Caribbean. Daniel went above and beyond to resolved some of the paper and I was able to close the loan Monday two days after my return. Amazing. I would highly recommend him, and the type of service he provides to any of my family and friends.

-Ralph Q

Ryan Mook has always exceeded my expectations and I know he will. An extremely excellent worker for his company. His quality of work should impact others around him. Very truthful individual and helpful individual

-Raymond C

Wow! My experience with John Mahnken has been a wonderful and expeditious process. I spoke with John on the last week of September and the last week of October my loan was approved. My credit was cleared up and improved and received everything that I was promised. I am so pleased with United Trust Bank and their team. Thank you UTB, you are awesome.

-Reginald W

David Collier at UTB helped us refinance our home with a VA loan, and we couldn't be happier with the experience. His extensive knowledge and dedication made him an invaluable asset to the banking industry and his profession. David was always available and quick to respond, ensuring that our best interests were at the core of every decision. He made the refinancing process easy and understandable by offering various options until he found the one that best suited our needs. His hard work and proactive approach were truly impressive, and we highly recommend David for anyone in need of a reliable and knowledgeable loan officer. Will definitely do business with him again in the future if the need arises. Thank you for a wonderful experience, David.

-Renee B

Mr David Collier was spot on through the whole process. He called everyday checking in and keeping me updated on the whole deal. I really appreciate his attentiveness and making everything simple.

-Richard A

David was very good in getting me through this. He was more helpful than anyone in my past. He stayed by me all the way. Even when I didn't understand he helped me to get through it. THANKS.

-Richard C

Worked with UTB on a refi. Salvatore Ross was so very helpful. He explained everything step by step and even followed up. I can’t thank him enough for his kindness and support. Highly recommend.

-Richard Heaton

Clay Comer is the best loan officer we've ever worked with! Being self employed means a ton more paperwork and definitely a much longer process. He was patient with us, explained anything we didn't understand, and really made the whole process as stress free as possible. We highly recommend him to anyone looking to buy a home or refinance.

-Rick O

Kept me informed, and was very efficient! Enjoyed working with Dave.

-Rita R

John at United Trust Bank is the most helpful person I’ve ever dealt with in my financial life. He made everything so much simpler.

-Robert F

I've never been so happy to work with a man like David Collier until now. Thank you for your support. Great job for all that you have done.

-Robert R

I enjoyed working with the mortgage team. They are very professional and helpful. Patricia Gonzalez was patient and willing to work to get my affairs in order to close.

-Robert W

I went into this in a bind, my bills were a lot higher than I could handle. I contacted Trust online and my loan officer Ryan Wolverton reached out to me right away.. over the next month he kept in contact with me about every step of the loan, assisted me wherever I needed help. I would recommend Trust and Ryan for help in refinancing a mortgage.

-Robert W

Taylor Corrigan was over the top in helping me refinance my home. He was always available to answer questions and get thing on track. I would definitely use him again and I highly recommend him for any Refinance . Thank you Taylor for a great job.

-Roberta Dean

Sal Ross was a big help and like to meet him someday. Thanks Rodger & Rose.

-Rodger J

I would like to state that United Bank and Trust through Daniel Iannarelli have treated this veteran with respect and professionalism, to the refinance of my home. And I thank them very much.

-Rudolph V

I had such a unique experience dealing with Robert Humann and the Bank United Trust Bank. Robert explained what my rights as a consumer were and how to obtain monies that was and is mine. It should also be noted that some other lenders didn’t offer the same services that I am entitled to. United Trust Bank , Robert and God have changed my life for the better.

-Russell R

David was very helpful with the whole process of refinancing our loan. Highly recommended for other customers. This was the fastest refinance we ever did and we thank you very much.

-Sam Peck

John helped me to do a refinance on my farm and was absolutely excellent. He gave me clear guidance, answered all of my questions, and made the process as easy and smooth as it could be. He kept me up to date on the status of everything and answered my messages around the clock. Truly a wonderful experience. Highly recommend. Thank you again John for everything!!!

-Sarah S

We just refinanced with UTB. Our representative was Patricia and she made the process so smooth and painless. We got some equity out and paid off debt and got some cash out. We were blown away by the ease of the process. We even had the mortgage put into our trust. No problem! Best decision. Thank you Patricia!

-Shannan D

David Collier did a great top of explaining everything I needed to do. He took the time to walk me through every step and made sure I had no questions.

-Shaun O

Boris was a pleasure to work with and made the process smooth. He was always quick to respond and answer any questions I had.

-Sheila J

Danny Iannarelli is a pleasure to work with! He was extremely responsive to us throughout the process and made the refinancing of our home a breeze. I highly recommend this company!!

-Shelley K

I had the opportunity to work with Brandon Eberhart for a cash out re fi. Brandon was not only knowledgeable he was very helpful. Brandon kept me updated throughout the entire process. He made the whole process very easy. Highly recommend UTB and Brandon Eberhart!

-Shelly C

Loved working with this company. They are extremely comprehensive in making sure you understand each step in the process. David Collier is the best and made sure we did not have any unanswered questions. They actually give advice and offer assistance and guidance every step of the way. I would 100% recommend them.

-Stacey R

Pleasantly happy with the way that Brandon Eberhart took the time to explain each step in the refinancing and debt consolidation process, home inspection, etc. He took the time to explain what was expected of us to keep the process moving quickly. We could not be more happy with the experience. Thank you so much again!

-Staci B

Jeff at United Trust is like an old friend looking out for his friends not just clients. He guided us thru the process with experience and advice. If we go thru it again He and United Trust are my picks.

-Steve K

Marc Mendoza is amazing. He took the ball and ran with it. He cared about our situation and did not judge us. Any time we reached out to him, he was right there to guide us. We really, really appreciate you, Marc. You went above and beyond!!! In our history of refinancing, Marc steps up above his competition.

-Steve K

David Collier did an excellent job in all aspects and very professional.

-Steven R

Johnathan Woodgate was our contact and he was the BEST person we ever worked with. He always answered our questions in a very timely manner. I feel like he has become a trusted friend. Please thank him for us.

-Susan Allwood

David Collier walked me through the process in a very professional manner. He was very informative and patient with me when I kept pushing my appraisal until everything was up to my standards. I really appreciated getting updates up to my closing. Mr. Collier had an emergency during my process, and he had his boss step in and kept the process going. United Trust is the only Mortgage company I will work with after this encounter. I will definitely refer anyone I know to this company,

-Susan P

Our experience with the whole refinance procedure was a pleasure. Our loan officer, Marc Mendoza, made the whole process very easy. He made sure we got exactly what was perfect for our family. We will highly recommend him to everyone we know. We would definitely contact him again to do business with. He was very honest and trustworthy.

-Tabitha D

I can not say enough good things about United trust bank and my loan officer Taylor C. From start to finish Taylor made this a straight forward and stress free process for my home refinance. Taylor was very helpful answered all question and was quick to respond. If you are thinking of financing your home United Trust Bank and Taylor C is the one to go to.

-Ted T

Absolutely outstanding. There's really not much more to add. As a former military person, Outstanding is the best you can give. So to Ryan M that's all I can say, Outstanding!!!!

-Terence S

I want to express my sincere appreciation and gratitude for the outstanding service provided by Daniel Iannarelli during our VA refinance process. From start to finish, Daniel was professional, knowledgeable, and extremely responsive. He took the time to explain each step clearly, ensuring we fully understood our options and the process. Daniel’s attention to detail, patience in answering all of our questions, and genuine care for our best interests made the entire experience smooth and stress-free. His expertise in loans was evident, and we felt confident and supported every step of the way. Thanks to Daniel’s hard work and dedication, we were able to close quickly and with terms that exceeded our expectations. I would highly recommend him to anyone looking for a loan officer who truly goes above and beyond.

-Thomas W

Excellent experience working to refi with David. We’ve worked together in the past and like before David remained in contact several times a day to ensure a smooth transition thru each step of the process. As a result of his transparency, we were able to close in 3 weeks. I highly recommend David as a refinance partner.

-Tina B

Danny Iannarelli was very attentive to my financial needs and was always available to answer my questions.

-Tonette B

David was great. He walked us through every step of the process and everything went very well. He was available to us whenever we needed him and we recommend him to others. Thank you David and United Trust Bank!

-Tonya O

We had the pleasure of working with Daniel Iannarelli who was very professional and easy to work with. He was always available to provide information and answer all our questions. He was very good at keeping us updated throughout the refinancing process. We highly recommend Daniel Iannarelli and United Trust Bank.

-Will H

It was a pleasure to work with Danny Iannarelli. The refi process went smoothly and in a timely manner. Very satisfied with this experience.

-William G

I answered an advertisement in the mail from United Trust Bank and it was the best move I could make. When I called David Collier a Loan Officer answered the call. I explained my situation and how Bank of America made me wait 25 days and disapproved my refinancing. David immediately and patiently took all my information he was informative and answered all my questions. During the call he remained positive and said we can work it out. In less than 24 hours David managed to get my refinance approved and I closed two weeks later. David is without a doubt the most professional and helpful loan officer that I have ever worked with. If I had a question or a gray area he would take my calls, text or emails anytime. David Collier is a definite asset to the United Trust Bank.

-William Hardy

Just closed on a VA Refi with UTB. Had the pleasure of working with Daniel Iannarelli. Highly knowledgeable and made sure I understood every step of the process. He made the whole experience smooth and quick. Highly recommend him.

-William K

Taylor Corrigan was great helping me through this whole process. Taylor was very attentive and professional. In a sense he held my hand through the process and made sure I understood everything. Thank you Taylor for you did. You're the best.

-Willie W

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The very first person you talk to will be a professional, licensed loan officer who will be with you every step of the way until your loan closes – you will not be shuffled around to different departments. We pride ourselves on outstanding customer service!

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